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
	September 30, 2018
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	35,784		11,645		—		47,429
Net investment income	10,062			3,276		249		13,587
Realized investment gains (losses), net	(475		)	(32	)	9		(498	)
Other income	643			—		—		643
Total revenue	46,014			14,889		258		61,161
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	19,212			5,864		—		25,076
Increase in future policy benefit reserves	544			1,109		—		1,653
Policyholders' dividends	1,581			14		—		1,595
Total insurance benefits paid or provided	21,337			6,987		—		28,324
Commissions	4,712			3,944		—		8,656
Other general expenses	6,583			4,502		1,317		12,402
Capitalization of deferred policy acquisition costs	(3,873		)	(1,688	)	—		(5,561	)
Amortization of deferred policy acquisition costs	10,132			1,280		—		11,412
Amortization of cost of customer relationships acquired	150			216		—		366
Total benefits and expenses	39,041			15,241		1,317		55,599
Income (loss) before income tax expense	$	6,973		(352	)	(1,059	)	5,562



	Nine Months Ended
	September 30, 2018
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	102,537		35,051		—		137,588
Net investment income	30,331			9,894		944		41,169
Realized investment losses, net	(684		)	(535	)	(32	)	(1,251	)
Other income (loss)	931			(1	)	—		930
Total revenue	133,115			44,409		912		178,436
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	49,522			17,322		—		66,844
Increase in future policy benefit reserves	29,509			3,307		—		32,816
Policyholders' dividends	4,483			33		—		4,516
Total insurance benefits paid or provided	83,514			20,662		—		104,176
Commissions	14,717			11,567		—		26,284
Other general expenses	12,607			15,438		5,330		33,375
Capitalization of deferred policy acquisition costs	(12,663		)	(4,501	)	—		(17,164	)
Amortization of deferred policy acquisition costs	22,912			3,306		—		26,218
Amortization of cost of customer relationships acquired	434			1,083		—		1,517
Total benefits and expenses	121,521			47,555		5,330		174,406
Income (loss) before income tax expense	$	11,594		(3,146	)	(4,418	)	4,030



	Three Months Ended
	September 30, 2017
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	38,472		11,775		—		50,247
Net investment income	10,051			3,355		422		13,828
Realized investment losses, net	(355		)	(49	)	—		(404	)
Other income	561			—		99		660
Total revenue	48,729			15,081		521		64,331
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	15,700			5,754		—		21,454
Increase in future policy benefit reserves	18,045			1,552		—		19,597
Policyholders' dividends	1,602			11		—		1,613
Total insurance benefits paid or provided	35,347			7,317		—		42,664
Commissions	6,892			3,909		—		10,801
Other general expenses	2,200			4,025		1,029		7,254
Capitalization of deferred policy acquisition costs	(6,242		)	(1,514	)	—		(7,756	)
Amortization of deferred policy acquisition costs	6,431			1,192		—		7,623
Amortization of cost of customer relationships acquired	118			517		—		635
Total benefits and expenses	44,746			15,446		1,029		61,221
Income (loss) before income tax expense	$	3,983		(365	)	(508	)	3,110



	Nine Months Ended
	September 30, 2017
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	107,995		35,372		—		143,367
Net investment income	28,678			9,864		1,098		39,640
Realized investment gains (losses), net	(419		)	1,161		—		742
Other income	856			2		157		1,015
Total revenue	137,110			46,399		1,255		184,764
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	45,218			16,912		—		62,130
Increase in future policy benefit reserves	47,818			4,135		—		51,953
Policyholders' dividends	4,387			31		—		4,418
Total insurance benefits paid or provided	97,423			21,078		—		118,501
Commissions	18,765			11,855		—		30,620
Other general expenses	10,399			13,182		3,184		26,765
Capitalization of deferred policy acquisition costs	(16,843		)	(4,697	)	—		(21,540	)
Amortization of deferred policy acquisition costs	19,350			3,290		—		22,640
Amortization of cost of customer relationships acquired	434			1,195		—		1,629
Total benefits and expenses	129,528			45,903		3,184		178,615
Income (loss) before income tax expense	$	7,582		496		(1,929	)	6,149