Insurance Liabilities (Tables)

12 Months Ended

Dec. 31, 2017

Contractholder Funds (Table)

	December 31,
	2017		2016
	(in millions)
Liabilities for investment contracts:
Liabilities for individual annuities	$	11,336.2	$	10,864.9
GICs		9,969.1		10,290.7
Funding agreements		8,106.5		8,270.3
Other investment contracts		1,751.5		1,840.0
Total liabilities for investment contracts		31,163.3		31,265.9
Universal life and other reserves		6,919.2		6,687.7
Total contractholder funds	$	38,082.5	$	37,953.6

Liability for Unpaid Claims (Table)

	For the year ended December 31,
	2017		2016		2015
	(in millions)
Balance at beginning of year	$	2,001.3	$	1,872.2	$	1,771.4
Less: reinsurance recoverable		340.3		314.1		284.6
Net balance at beginning of year		1,661.0		1,558.1		1,486.8
Incurred:
Current year		1,196.6		1,103.5		1,037.0
Prior years		18.2		24.4		(18.1	)
Total incurred		1,214.8		1,127.9		1,018.9
Payments:
Current year		767.2		701.9		646.7
Prior years		353.9		323.1		300.9
Total payments		1,121.1		1,025.0		947.6
Net balance at end of year		1,754.7		1,661.0		1,558.1
Plus: reinsurance recoverable		375.8		340.3		314.1
Balance at end of year	$	2,130.5	$	2,001.3	$	1,872.2
Amounts not included in the rollforward above:
Claim adjustment expense liabilities	$	50.7	$	49.3	$	58.9

Reconciliation of unpaid claims to liability for unpaid claims (Table)

	December 31, 2017
	LTD and Group Life Waiver			Dental, Vision, STD and Critical Illness		Group Life		Consolidated
	(in millions)
Net outstanding liabilities for unpaid claims	$	1,160.3		$	53.6	$	46.6	$	1,260.5
Reconciling items:
Reinsurance recoverable on unpaid claims		69.1			—		0.7		69.8
Impact of discounting		(226.2	)		—		—		(226.2	)
Liability for unpaid claims — short-duration contracts	$	1,003.2		$	53.6	$	47.3		1,104.1
Insurance contracts other than short-duration									1,026.4
Liability for unpaid claims								$	2,130.5

Claim Duration and Payout (Table)

	December 31, 2017 (1)
Year	LTD and Group Life Waiver			Dental, Vision, STD and Critical Illness			Group Life
1		7.2	%		91.8	%		81.8	%
2		22.8			8.0			17.3
3		13.8
4		7.9
5		5.9
6		5.2
7		4.3
8		4.1
9		3.7
10		3.0

(1)Unaudited.

Discounting (Table)

	LTD and Group Life Waiver			Dental, Vision, STD and Critical Illness			Group Life
	($ in millions)
Carrying amount of liabilities for unpaid claims
December 31, 2017	$	1,003.2		$	53.6		$	47.3
December 31, 2016		992.7			48.8			45.9
Range of discount rates
December 31, 2017		3.3 - 7.0	%		— - —	%		— - —	%
December 31, 2016		3.3 - 7.0			— - —			— - —
Aggregate amount of discount
December 31, 2017	$	226.2		$	—		$	—
December 31, 2016		234.1			—			—
Interest accretion
For the year ended:
December 31, 2017	$	35.0		$	—		$	—
December 31, 2016		36.3			—			—
December 31, 2015		37.6			—			—

Long-Term Disability/Group Life Waiver

Claims Development (Table)

	Net incurred claims (1)																				Incurred but not reported claims		Cumulative number of reported claims
	December 31,
	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		2017		2017
	($ in millions)
Incurral year
2008	$	227.7	$	222.3	$	226.3	$	225.9	$	218.5	$	209.5	$	205.5	$	201.6	$	199.8	$	199.1	$	0.1		7,730
2009				218.6		224.4		224.2		224.8		217.7		214.1		208.5		205.8		205.6		0.1		6,554
2010						184.1		176.7		176.2		172.0		162.7		155.7		154.1		153.4		0.1		5,644
2011								203.7		192.6		185.4		184.8		178.4		172.3		169.6		0.1		6,286
2012										217.9		200.0		191.1		189.5		181.8		174.8		0.1		6,441
2013												219.3		203.3		188.4		190.7		182.3		0.1		7,044
2014														242.2		231.4		214.4		218.1		1.7		7,591
2015																231.0		227.2		217.2		3.7		7,146
2016																		229.8		228.4		6.2		6,076
2017																				238.4		81.2		3,640
Total net incurred claims																			$	1,986.9

	Net cumulative paid claims (1)
	December 31,
	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
	(in millions)
Incurral year
2008	$	15.1	$	58.1	$	84.0	$	99.4	$	113.3	$	123.2	$	131.7	$	139.4	$	146.4	$	152.4
2009				13.4		55.2		82.6		101.0		113.8		124.6		133.1		141.8		149.8
2010						10.4		46.5		67.1		78.4		85.9		94.2		100.9		107.2
2011								11.2		50.0		72.5		85.7		95.4		105.2		112.6
2012										13.8		55.1		80.8		93.7		104.6		112.9
2013												12.5		55.0		81.4		97.0		106.4
2014														16.1		66.0		96.3		111.8
2015																16.9		67.0		98.0
2016																		16.2		70.6
2017																				17.8
Total net paid claims																				1,039.5
All outstanding liabilities for unpaid claims prior to 2008 net of reinsurance																				212.9
Total outstanding liabilities for unpaid claims net of reinsurance																			$	1,160.3

(1)2008 - 2016 unaudited.

Dental/Vision/Short-Term Disability/Critical Illness

Claims Development (Table)

	Net incurred claims (1)				Incurred but not reported claims		Cumulative number of reported claims
	December 31,
	2016		2017		2017		2017
	($ in millions)
Incurral year
2016	$	544.2	$	540.5	$	0.1		2,563,426
2017				595.8		32.1		2,648,418
Total net incurred claims			$	1,136.3

	Net cumulative paid claims (1)
	December 31,
	2016		2017
	(in millions)
Incurral year
2016	$	495.4	$	540.4
2017				542.3
Total net paid claims				1,082.7
All outstanding liabilities for unpaid claims prior to 2016 net of reinsurance				—
Total outstanding liabilities for unpaid claims net of reinsurance			$	53.6

  (1) 2016 unaudited.

Group Life

Claims Development (Table)

	Net incurred claims (1)				Incurred but not reported claims		Cumulative number of reported claims
	December 31,
	2016		2017		2017		2017
	($ in millions)
Incurral year
2016	$	222.6	$	220.4	$	0.4		5,155
2017				239.8		21.1		5,123
Total net incurred claims			$	460.2

	Net cumulative paid claims (1)
	December 31,
	2016		2017
	(in millions)
Incurral year
2016	$	179.0	$	219.3
2017				195.2
Total net paid claims				414.5
All outstanding liabilities for unpaid claims prior to 2016 net of reinsurance				0.9
Total outstanding liabilities for unpaid claims net of reinsurance			$	46.6

  (1) 2016 unaudited.