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Receivables

Receivables of insurance and other businesses are comprised of the following (in millions).


	December 31,
	2015			2014
Insurance premiums receivable	$	8,843		$	7,914
Reinsurance recoverable on unpaid losses		3,307			3,116
Trade and other receivables		11,521			11,133
Allowances for uncollectible accounts		(368	)		(311	)

	$	23,303		$	21,852

Loans and finance receivables of finance and financial products businesses are summarized as follows (in millions).


	December 31,
	2015			2014
Loans and finance receivables before allowances and discounts	$	13,186		$	13,150
Allowances for uncollectible loans		(182	)		(303	)
Unamortized acquisition discounts		(232	)		(281	)

	$	12,772		$	12,566

Loans and finance receivables are predominantly installment loans originated or acquired by our manufactured housing business. Provisions for loan losses for 2015 and 2014 were $148 million and $173 million, respectively. Loan charge-offs, net of recoveries, were $177 million in 2015 and $214 million in 2014. In 2015, we reclassified $93 million of allowances for uncollectable loans and related installment loan receivables that were in-substance foreclosures or repossessions to other assets. The reclassifications had no impact on earnings or cash flows. At December 31, 2015, approximately 98% of the loan balances were evaluated collectively for impairment. As a part of the evaluation process, credit quality indicators are reviewed and loans are designated as performing or non-performing. At December 31, 2015, approximately 99% of the loan balances were determined to be performing and approximately 95% of the loan balances were current as to payment status.