We establish reserves for the company’s universal life, deferred annuity and investment contracts equal to the cumulative account balances, which include premium deposits plus credited interest less charges and withdrawals. Some of our universal life policies contain no-lapse guarantee provisions. For these policies, we establish a reserve in addition to the account balance, based on expected no-lapse guarantee benefits and expected policy assessments.

(In millions)	September 30,		December 31,
	2011		2010
Ordinary/traditional life	$	671	$	628
Universal life		474		459
Deferred annuities		819		730
Investment contracts		198		200
Other		17		17
Total gross reserves	$	2,179	$	2,034