POLICY LIABILITIES (Tables)

12 Months Ended

Dec. 31, 2014

Policy liabilities [Abstract]

Liability for Future Policy Benefits by Product Segment

The liability for future policy benefits as of December 31 consisted of the following:

		Liability Amounts				Interest Rates
(In millions)	Policy Issue Year	2014		2013		Year of Issue		In 20 Years
Health insurance:
Japan:	2002 - 2014	$	3,900	$	3,370	1.25 - 2.5	%	1.25 - 2.5	%
	1974 - 2013	3,449		3,889		2.7 - 2.75		2.25 - 2.75
	1998 - 2014	10,641		11,763		3.0		3.0
	1997 - 1999	2,461		2,842		3.5		3.5
	1994 - 1996	3,023		3,483		4.0 - 4.5		4.0 - 4.5
	1987 - 1994	14,394		16,727		5.5		5.5
	1985 - 1991	1,923		2,262		5.25 - 6.75		5.25 - 5.5
	1978 - 1984	2,260		2,699		6.5		5.5
U.S.:	2012 - 2014	588		345		3.0 - 3.75		3.0 - 3.75
	2011	276		243		4.75		4.75
	2005 - 2010	2,951		2,897		5.5		5.5
	1988 - 2004	706		725		8.0		6.0
	1986 - 2004	1,293		1,301		6.0		6.0
	1981 - 1986	183		190		6.5 - 7.0		5.5 - 6.5
	1998 - 2004	1,260		1,237		7.0		7.0
	Other	21		22
Life insurance:
Japan:	2013 - 2014	312		59		1.5 - 1.75		1.5 - 1.75
	2001 - 2013	3,674		3,009		1.65 - 1.85		1.65 - 1.85
	2011 - 2014	2,298		1,584		2.0		2.0
	2009 - 2011	1,890		1,648		2.25		2.25
	2005 - 2011	1,214		1,211		2.5		2.5
	1985 - 2006	2,006		2,303		2.7		2.25
	2007 - 2011	1,010		1,025		2.75		2.75
	1999 - 2011	1,944		2,164		3.0		3.0
	1996 - 2009	633		721		3.5		3.5
	1994 - 1996	884		1,021		4.0 - 4.5		4.0 - 4.5
U.S.:	1956 - 2014	452		396		3.5 - 6.0		3.5 - 6.0
Total		$	65,646	$	69,136

Schedule of Liability for Unpaid Claims Adjustment Expense

Changes in the liability for unpaid policy claims were as follows for the years ended December 31:

(In millions)	2014				2013				2012
Unpaid supplemental health claims, beginning of year		$	3,537			$	3,781			$	3,749
Less reinsurance recoverables		9				10				0
Net balance, beginning of year		3,528				3,771				3,749
Add claims incurred during the year related to:
Current year		6,866				7,215				8,013
Prior years		(301		)		(236		)		(173		)
Total incurred		6,565				6,979				7,840
Less claims paid during the year on claims incurred during:
Current year		4,532				4,834				5,453
Prior years		1,873				1,931				2,082
Total paid		6,405				6,765				7,535
Effect of foreign exchange rate changes on unpaid claims		(283		)		(457		)		(283		)
Net balance, end of year		3,405				3,528				3,771
Add reinsurance recoverables		7				9				10
Unpaid supplemental health claims, end of year		3,412				3,537				3,781
Unpaid life claims, end of year		218				226				253
Total liability for unpaid policy claims		$	3,630			$	3,763			$	4,034