REINSURANCE (Tables)

12 Months Ended

Dec. 31, 2015

Balance and Financial Rating Related to Reinsurers

We evaluate the financial condition of these reinsurers on a regular basis. These reinsurers are well-known and well-established, as evidenced by the strong financial ratings at December 31, 2015 presented below:



Reinsurer	Total Recoverable		A.M. Best Rating at December 31, 2015
	(in millions)
Protective Life Insurance Company	$	184	A+ (superior)
Munich American Reassurance Company	155		A+ (superior
Employers Reassurance Corporation	91		A- (excellent)
General Re Life Corporation	90		A++ (superior)
All others	148		A+ to B++ (superior to good)
	$	668