Insurance claims comprise:

2017
£m

2016
£m

2015
£m

Life insurance and participating investment contracts

Claims and surrenders

(8,898

)

(8,617

)

(7,983

)

Change in insurance and participating investment contracts (note 31)

(9,067

)

(14,160

)

2,898

Change in non-participating investment contracts

2,836

679

(438

)

(15,129

)

(22,098

)

(5,523

)

Reinsurers’ share

35

106

101

(15,094

)

(21,992

)

(5,422

)

Change in unallocated surplus

(147

)

14

63

Total life insurance and participating investment contracts

(15,241

)

(21,978

)

(5,359

)

Non-life insurance

Total non-life insurance claims, net of reinsurance

(337

)

(366

)

(370

)

Total insurance claims

(15,578

)

(22,344

)

(5,729

)

Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows:

Deaths

(675

)

(635

)

(631

)

Maturities

(1,280

)

(1,347

)

(1,348

)

Surrenders

(5,674

)

(5,444

)

(4,811

)

Annuities

(985

)

(949

)

(902

)

Other

(284

)

(242

)

(291

)

Total life insurance gross claims and surrenders

(8,898

)

(8,617

)

(7,983

)