Reinsurance (Tables)

12 Months Ended

Dec. 31, 2012

Reinsurance

Effect of reinsurance on premiums

	Years Ended December 31,
	2012			2011			2010
	(in millions)
Direct premiums	$	1,445		$	1,421		$	1,382
Reinsurance ceded		(222	)		(201	)		(203	)
Net premiums	$	1,223		$	1,220		$	1,179