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Reinsurance (Tables)
12 Months Ended
Dec. 31, 2014
Insurance [Abstract]  
Reinsurance activity
Other reinsurance activity is shown below.

Direct Business and Reinsurance:
For the years ended December 31,
($ in millions)
2014
 
2013
 
2012
 
 
 
 
 
 
Direct premiums
$
71.1

 
$
80.9

 
$
79.2

Premiums ceded to non-affiliate reinsurers [1]
(58.7
)
 
(67.0
)
 
(70.7
)
Premiums
$
12.4

 
$
13.9

 
$
8.5

 
 
 
 
 
 
Direct policy benefits incurred
$
210.1

 
$
258.5

 
$
281.4

Policy benefits assumed from non-affiliate reinsureds
0.2

 
0.2

 
1.0

Policy benefits ceded to:
 
 
 
 
 
Affiliate reinsurers
(8.4
)
 
(18.0
)
 
(13.7
)
Non-affiliate reinsurers
(82.9
)
 
(119.5
)
 
(114.7
)
Policy benefits ceded to reinsurers
(91.3
)
 
(137.5
)
 
(128.4
)
Premiums paid to:
 
 
 
 
 
Affiliate reinsurers
23.8

 
22.3

 
20.1

Non-affiliate reinsurers
60.4

 
47.4

 
60.3

Premiums paid to reinsurers [2]
84.2

 
69.7

 
80.4

Policy benefits [3]
$
203.2

 
$
190.9

 
$
234.4

 
 
 
 
 
 
Direct life insurance in-force
$
54,528.7

 
$
58,198.8

 
$
62,701.8

Life insurance in-force assumed from reinsureds
87.1

 
93.2

 
78.5

Life insurance in-force ceded to:
 
 
 
 
 
Affiliate reinsurers
(1,495.9
)
 
(1,622.9
)
 
(1,859.3
)
Non-affiliate reinsurers
(39,941.5
)
 
(42,957.9
)
 
(46,950.4
)
Life insurance in-force ceded to reinsurers
(41,437.4
)
 
(44,580.8
)
 
(48,809.7
)
Life insurance in-force
$
13,178.4

 
$
13,711.2

 
$
13,970.6

Percentage of amount assumed to net insurance in-force
0.7%
 
0.7%
 
0.6%
———————
[1]
Primarily represents premiums ceded to reinsurers related to term insurance policies.
[2]
For universal life and variable universal life contracts, premiums paid to reinsurers are reflected within policy benefits. See Note 3 to these financial statements for additional information regarding significant accounting policies.
[3]
Policy benefit amounts above exclude changes in reserves, interest credited to policyholders and other items, which total $194.5 million, $86.7 million and $154.9 million, net of reinsurance, for the years ended December 31, 2014, 2013 and 2012, respectively.