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Reinsurance Receivables (Tables)
 9 Months Ended
Sep. 30, 2020
Reinsurance Disclosures [Abstract]  
Effects of Reinsurance
The following table presents the effect of reinsurance on premiums written and earned by our insurance business for the following periods:
Direct amountCeded to other companiesAssumed from other companiesNet amountPercentage of amount - assumed to net
For the Three Months Ended September 30, 2020
Premiums written:
Life insurance                   $19,268 $11,551 $414 $8,131 5.1 %
Accident and health insurance    32,308 21,749 748 11,307 6.6 %
Property and liability insurance 229,518 154,201 51,721 127,038 40.7 %
Total premiums written             281,094 187,501 52,883 146,476 36.1 %
Premiums earned:
Life insurance                   16,725 9,073 348 8,000 4.4 %
Accident and health insurance    28,134 18,502 2,413 12,045 20.0 %
Property and liability insurance 170,806 103,482 29,049 96,373 30.1 %
Total premiums earned$215,665 $131,057 $31,810 $116,418 27.3 %
For the Three Months Ended September 30, 2019
Premiums written:
Life insurance                   $20,714 $11,345 $423 $9,792 4.3 %
Accident and health insurance    36,884 24,350 800 13,334 6.0 %
Property and liability insurance 185,188 79,215 31,042 137,015 22.7 %
Total premiums written             242,786 114,910 32,265 160,141 20.1 %
Premiums earned:
Life insurance                   17,305 9,106 391 8,590 4.6 %
Accident and health insurance    31,153 20,914 775 11,014 7.0 %
Property and liability insurance 152,262 58,384 15,681 109,559 14.3 %
Total premiums earned$200,720 $88,404 $16,847 $129,163 13.0 %
For the Nine Months Ended September 30, 2020
Premiums written:
Life insurance$46,695 $25,905 $1,104 $21,894 5.0 %
Accident and health insurance80,466 52,449 8,989 37,006 24.3 %
Property and liability insurance584,983 361,095 96,683 320,571 30.2 %
Total premiums written712,144 439,449 106,776 379,471 28.1 %
Premiums earned:
Life insurance51,015 27,369 1,087 24,733 4.4 %
Accident and health insurance88,640 58,599 9,008 39,049 23.1 %
Property and liability insurance500,465 288,863 69,610 281,212 24.8 %
Total premiums earned$640,120 $374,831 $79,705 $344,994 23.1 %
Direct amountCeded to other companiesAssumed from other companiesNet amountPercentage of amount - assumed to net
For the Nine Months Ended September 30, 2019
Premiums written:
Life insurance$54,549 $29,401 $1,258 $26,406 4.8 %
Accident and health insurance97,044 63,430 2,366 35,980 6.6 %
Property and liability insurance514,659 208,485 66,202 372,376 17.8 %
Total premiums written666,252 301,316 69,826 434,762 16.1 %
Premiums earned:
Life insurance50,408 26,368 1,211 25,251 4.8 %
Accident and health insurance91,443 61,279 2,363 32,527 7.3 %
Property and liability insurance440,867 178,926 44,993 306,934 14.7 %
Total premiums earned$582,718 $266,573 $48,567 $364,712 13.3 %

The following table presents the components of policy and contract benefits, including the effect of reinsurance on losses and loss adjustment expenses (LAE) incurred:
Direct amountCeded to other companiesAssumed from other companiesNet amountPercentage of amount - assumed to net
For the Three Months Ended September 30, 2020
Losses Incurred
Life insurance                   $12,945 $7,505 $135 $5,575 2.4 %
Accident and health insurance    5,854 4,922 1,436 2,368 60.6 %
Property and liability insurance 78,206 56,500 13,271 34,977 37.9 %
Total losses incurred 97,005 68,927 14,842 42,920 34.6 %
Member benefit claims (1)
14,818 
Total policy and contract benefits$57,738 
For the Three Months Ended September 30, 2019
Losses Incurred
Life insurance                   $9,420 $5,445 $152 $4,127 3.7 %
Accident and health insurance    5,607 4,717 136 1,026 13.3 %
Property and liability insurance 51,993 31,479 13,679 34,193 40.0 %
Total losses incurred 67,020 41,641 13,967 39,346 35.5 %
Member benefit claims (1)
4,647 
Total policy and contract benefits$43,993 
For the Nine Months Ended September 30, 2020
Losses and LAE Incurred
Life insurance$33,600 $19,493 $416 $14,523 2.9 %
Accident and health insurance13,471 11,225 5,458 7,704 70.8 %
Property and liability insurance204,917 133,798 32,008 103,127 31.0 %
Total losses and LAE incurred 251,988 164,516 37,882 125,354 30.2 %
Member benefit claims (1)
42,407 
Total policy and contract benefits$167,761 
For the Nine Months Ended September 30, 2019
Losses and LAE Incurred
Life insurance$28,861 $16,964 $338 $12,235 2.8 %
Accident and health insurance12,538 9,991 276 2,823 9.8 %
Property and liability insurance161,552 102,232 35,085 94,405 37.2 %
Total losses and LAE incurred 202,951 129,187 35,699 109,463 32.6 %
Member benefit claims (1)
14,793 
Total policy and contract benefits$124,256 
(1)    Member benefit claims are not covered by reinsurance.
The following table presents the components of the reinsurance receivables:
As of
September 30,
2020		December 31, 2019
Prepaid reinsurance premiums:
Life (1)
$67,380 $72,675 
Accident and health (1)
60,242 66,393 
Property375,680 286,411 
Total503,302 425,479 
Ceded claim reserves:
Life3,721 3,350 
Accident and health10,987 11,065 
Property89,202 74,384 
Total ceded claim reserves recoverable103,910 88,799 
Other reinsurance settlements recoverable39,359 25,555 
Reinsurance receivables (2)
$646,571 $539,833 
(1)    Including policyholder account balances ceded.
(2)    Includes $71,337 from the acquired balance sheet of Smart AutoCare. See Note (3) Acquisitions.
Components of Reinsurance Receivable
The following table presents the aggregate amount included in reinsurance receivables that is comprised of the three largest receivable balances from non-affiliated reinsurers:
As of
September 30, 2020
Total of the three largest receivable balances from non-affiliated reinsurers$147,726