Segment Information

The Company has two reportable segments: Life Insurance and Home Service Insurance. The Life Insurance and Home Service portions of the Company constitute separate businesses. In addition to the Life Insurance and Home Service business, the Company also operates other non-insurance ("Other Non-Insurance Enterprises") portions of the Company, which primarily include the Company's IT and Corporate-support functions, which are included in the tables presented below to properly reconcile the segment information with the consolidated financial statements of the Company.

The accounting policies of the segments and other non-insurance enterprises are in accordance with U.S. GAAP and are the same as those used in the preparation of the consolidated financial statements. The Company evaluates profit and loss performance based on U.S. GAAP income before federal income taxes for its two reportable segments.

The Company's Other Non-Insurance enterprises are the only reportable difference between segments and consolidated operations.



	Three Months Ended
	June 30, 2018
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	34,393		11,737		—		46,130
Net investment income	10,139			3,316		356		13,811
Realized investment losses, net	(24		)	(151	)	(3	)	(178	)
Other income	79			—		—		79
Total revenue	44,587			14,902		353		59,842
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	15,019			5,598		—		20,617
Increase in future policy benefit reserves	15,383			1,172		—		16,555
Policyholders' dividends	1,605			9		—		1,614
Total insurance benefits paid or provided	32,007			6,779		—		38,786
Commissions	4,777			3,892		—		8,669
Other general expenses	6,908			5,392		2,166		14,466
Capitalization of deferred policy acquisition costs	(4,150		)	(1,490	)	—		(5,640	)
Amortization of deferred policy acquisition costs	6,240			960		—		7,200
Amortization of cost of customer relationships acquired	132			340		—		472
Total benefits and expenses	45,914			15,873		2,166		63,953
Loss before income tax expense	$	(1,327	)	(971	)	(1,813	)	(4,111	)



	Six Months Ended
	June 30, 2018
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	66,753		23,406		—		90,159
Net investment income	20,269			6,618		695		27,582
Realized investment losses, net	(209		)	(503	)	(41	)	(753	)
Other income (loss)	288			(1	)	—		287
Total revenue	87,101			29,520		654		117,275
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	30,310			11,458		—		41,768
Increase in future policy benefit reserves	28,965			2,198		—		31,163
Policyholders' dividends	2,902			19		—		2,921
Total insurance benefits paid or provided	62,177			13,675		—		75,852
Commissions	10,005			7,623		—		17,628
Other general expenses	6,024			10,936		4,013		20,973
Capitalization of deferred policy acquisition costs	(8,790		)	(2,813	)	—		(11,603	)
Amortization of deferred policy acquisition costs	12,780			2,026		—		14,806
Amortization of cost of customer relationships acquired	284			867		—		1,151
Total benefits and expenses	82,480			32,314		4,013		118,807
Income (loss) before income tax expense	$	4,621		(2,794	)	(3,359	)	(1,532	)



	Three Months Ended
	June 30, 2017
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	35,960		11,779		—		47,739
Net investment income	9,496			3,250		327		13,073
Realized investment gains (losses), net	(141		)	24		—		(117	)
Other income (loss)	177			3		(23	)	157
Total revenue	45,492			15,056		304		60,852
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	13,842			5,110		—		18,952
Increase in future policy benefit reserves	16,513			1,307		—		17,820
Policyholders' dividends	1,490			11		—		1,501
Total insurance benefits paid or provided	31,845			6,428		—		38,273
Commissions	5,866			4,028		—		9,894
Other general expenses	4,327			4,299		729		9,355
Capitalization of deferred policy acquisition costs	(5,223		)	(1,660	)	—		(6,883	)
Amortization of deferred policy acquisition costs	6,613			1,029		—		7,642
Amortization of cost of customer relationships acquired	144			331		—		475
Total benefits and expenses	43,572			14,455		729		58,756
Income (loss) before income tax expense	$	1,920		601		(425	)	2,096



	Six Months Ended
	June 30, 2017
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	69,523		23,597		—		93,120
Net investment income	18,627			6,509		676		25,812
Realized investment gains (losses), net	(64		)	1,210		—		1,146
Other income	295			2		58		355
Total revenue	88,381			31,318		734		120,433
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	29,518			11,158		—		40,676
Increase in future policy benefit reserves	29,773			2,583		—		32,356
Policyholders' dividends	2,785			20		—		2,805
Total insurance benefits paid or provided	62,076			13,761		—		75,837
Commissions	11,873			7,946		—		19,819
Other general expenses	8,199			9,157		2,155		19,511
Capitalization of deferred policy acquisition costs	(10,601		)	(3,183	)	—		(13,784	)
Amortization of deferred policy acquisition costs	12,919			2,098		—		15,017
Amortization of cost of customer relationships acquired	316			678		—		994
Total benefits and expenses	84,782			30,457		2,155		117,394
Income (loss) before income tax expense	$	3,599		861		(1,421	)	3,039