The change in AOCI includes changes in unrealized gains and losses on investments and pension obligations as follows:

	Years ended December 31,
	2011									2010									2009
	Before			Income						Before			Income						Before			Income
(In millions)	tax			tax			Net			tax			tax			Net			tax			tax			Net
Accumulated unrealized gains on investments available for sale and other at January 1	$	1,232		$	422		$	810		$	1,012		$	345		$	667		$	570		$	189		$	381

Increase in unrealized gains		309			108			201			387			136			251			936			330			606
Cumulative effect of change in accounting for other-than-temporary impairments		0			0			0			0			0			0			(163	)		(57	)		(106	)
Reclassification adjustment for (gains) losses included in net income		(70	)		(25	)		(45	)		(159	)		(56	)		(103	)		(336	)		(119	)		(217	)
Adjustment to deferred acquisition costs and life policy reserves and other		(11	)		(3	)		(8	)		(8	)		(3	)		(5	)		5			2			3
Effect on other comprehensive income		228			80			148			220			77			143			442			156			286
Accumulated unrealized gains on investments available for sale and other at December 31	$	1,460		$	502		$	958		$	1,232		$	422		$	810		$	1,012		$	345		$	667

Accumulated unrealized losses for pension obligations at January 1	$	(63	)	$	(22	)	$	(41	)	$	(66	)	$	(23	)	$	(43	)	$	(52	)	$	(18	)	$	(34	)
Change in pension obligations		(25	)		(9	)		(16	)		3			1			2			(14	)		(5	)		(9	)
Accumulated unrealized losses for pension obligations at December 31	$	(88	)	$	(31	)	$	(57	)	$	(63	)	$	(22	)	$	(41	)	$	(66	)	$	(23	)	$	(43	)

Accumulated other comprehensive income at January 1	$	1,169		$	400		$	769		$	946		$	322		$	624		$	518		$	171		$	347
Unrealized investment gains and losses and other adjustments		228			80			148			220			77			143			442			156			286
Change in pension obligations		(25	)		(9	)		(16	)		3			1			2			(14	)		(5	)		(9	)
Accumulated other comprehensive income at December 31	$	1,372		$	471		$	901		$	1,169		$	400		$	769		$	946		$	322		$	624