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Insurance Reserves for Losses and Claims | 9 Months Ended
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Sep. 30, 2025
Insurance Reserves for Losses and Claims [Abstract] |
Insurance Reserves for Losses and Claims |
Note 7. | Insurance Reserves for Losses and Claims
The roll-forward of insurance reserves for losses and claims for the nine months ended September 30, 2025 and 2024 is as follows:
|  | Nine Months Ended September 30, |
|  | 2025 |  |  | 2024 |
Beginning insurance reserves for losses and claims, gross |  | $ | 93,707 |  |  | $ | 87,478 |
Less: Reinsurance recoverable on unpaid losses |  |  | (17,390 | ) |  |  | (14,678 | )
Beginning insurance reserves for losses and claims, net |  |  | 76,317 |  |  |  | 72,800 |
Incurred related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 94,705 |  |  |  | 85,132 |
Prior accident year development |  |  | (378) | (1) |  |  | 3,404 | (2)
Total incurred |  |  | 94,327 |  |  |  | 88,536 |
Paid related to: |  |  |  |  |  |  |  |
Current accident year |  |  | 44,487 |  |  |  | 40,786 |
Prior accident years |  |  | 35,604 |  |  |  | 45,465 |
Total paid |  |  | 80,091 |  |  |  | 86,251 |
Ending insurance reserves for losses and claims, net |  |  | 90,553 |  |  |  | 75,085 |
Plus: Reinsurance recoverable on unpaid losses |  |  | 17,160 |  |  |  | 16,779 |
Ending insurance reserves for losses and claims, gross |  | $ | 107,713 |  |  | $ | 91,864 |
(1) | Prior years’ development was primarily the result of favorable development in the Medicare supplement line of business in the life and health operations, partially offset by unfavorable development in the property and casualty operations predominately in the automobile liability line of business.
(2) | Prior years’ development was primarily the result of unfavorable development in the property and casualty operations predominately in the automobile liability line of business due to inflationary factors.
Following is a reconciliation of total losses incurred to total insurance benefits and losses incurred:
|  | Nine Months Ended September 30, |
|  | 2025 |  |  | 2024 |
Total losses incurred |  | $ | 94,327 |  |  | $ | 88,536 |
Cash surrender value and matured endowments |  |  | 1,640 |  |  |  | 898 |
Benefit reserve changes |  |  | 5,064 |  |  |  | 5,058 |
Total insurance benefits and losses incurred |  | $ | 101,031 |  |  | $ | 94,492 |

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