0001410578-15-000167.txt : 20150424 0001410578-15-000167.hdr.sgml : 20150424 20150424172056 ACCESSION NUMBER: 0001410578-15-000167 CONFORMED SUBMISSION TYPE: POS AM PUBLIC DOCUMENT COUNT: 10 FILED AS OF DATE: 20150424 DATE AS OF CHANGE: 20150424 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MONY LIFE INSURANCE CO OF AMERICA CENTRAL INDEX KEY: 0000835357 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 000000000 STATE OF INCORPORATION: AZ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: POS AM SEC ACT: 1933 Act SEC FILE NUMBER: 333-186795 FILM NUMBER: 15792656 BUSINESS ADDRESS: STREET 1: 1290 AVENUE OF THE AMERICAS STREET 2: MAIL STOP 11-18 CITY: NEW YORK STATE: NY ZIP: 10104 BUSINESS PHONE: 2125541234 MAIL ADDRESS: STREET 1: 1290 AVENUE OF THE AMERICAS STREET 2: MAIL STOP 11-18 CITY: NEW YORK STATE: NY ZIP: 10104 FORMER COMPANY: FORMER CONFORMED NAME: MONY LIFE INSURANCE COMPANY OF AMERICA DATE OF NAME CHANGE: 19981002 POS AM 1 a15-2021_1posam.txt AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON APRIL 24, 2015. REGISTRATION NO. 333-186795 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-1 POST-EFFECTIVE AMENDMENT NO. 2 TO REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 MONY LIFE INSURANCE COMPANY OF AMERICA (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) ARIZONA (STATE OR OTHER JURISDICTION OF INCORPORATION OR ORGANIZATION) 6311 (PRIMARY STANDARD INDUSTRIAL CLASSIFICATION CODE NUMBER) 86-0222062 (I. R. S. EMPLOYER IDENTIFICATION NUMBER) 525 WASHINGTON BOULEVARD JERSEY CITY, NEW JERSEY 07310 (ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER, INCLUDING AREA CODE, OF REGISTRAT'S PRINCIPAL EXECUTIVE OFFICES) --------------------- SHANE DALY VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL MONY LIFE INSURANCE COMPANY OF AMERICA 525 WASHINGTON BOULEVARD JERSEY CITY, NEW JERSEY 07310 (212) 314-3912 (NAME, ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER, INCLUDING AREA CODE, OF AGENT FOR SERVICE) PLEASE SEND COPIES OF ALL COMMUNICATIONS TO: DODIE C. KENT, ESQ. SUTHERLAND, ASBILL & BRENNAN LLP 1114 AVENUE OF THE AMERICAS NEW YORK, NEW YORK 10036-7703 --------------------- If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box: [x] If this Form is filed to register additional securities for an offering pursuant to Rule 462 (b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [ ] If this Form is a post-effective amendment filed pursuant to Rule 462 (c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [ ] If this Form is a post-effective amendment filed pursuant to Rule 462 (d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [ ] Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. Large accelerated filer [ ] Accelerated filer [ ] Non-accelerated filer [x] Smaller reporting company [ ] (Do not check if a smaller reporting company) The Registration hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine. ================================================================================ PROSPECTUS ISSUED BY DATED MAY 1, 2015 MONY LIFE INSURANCE COMPANY OF AMERICA INDIVIDUAL FLEXIBLE PAYMENT VARIABLE ANNUITY WITH VARIABLE INVESTMENT OPTIONS UNDER MONY CONTRACT AMERICA'S MONY AMERICA VARIABLE ACCOUNT A OPERATIONS CENTER 5788 WIDEWATERS PARKWAY SYRACUSE, NY 13214
PLEASE READ AND KEEP THIS PROSPECTUS FOR FUTURE REFERENCE. IT CONTAINS IMPORTANT INFORMATION THAT YOU SHOULD KNOW BEFORE PURCHASING, OR TAKING ANY OTHER ACTION UNDER YOUR CONTRACT. ALSO, YOU SHOULD READ THE PROSPECTUSES FOR EACH TRUST, WHICH CONTAIN IMPORTANT INFORMATION ABOUT THEIR PORTFOLIOS. MONY Life Insurance Company of America (the "Company") issues the flexible payment variable annuity contract described in this prospectus. This prospectus is a disclosure document and describes all of the contract's material features, benefits, rights and obligations, as well as other information. The description of the contract's material provisions in this prospectus is current as of the date of this prospectus. If certain material provisions under the contract are changed after the date of this prospectus in accordance with the contract, those changes will be described in a supplement to this prospectus. You should carefully read this prospectus in conjunction with any applicable supplements. This Contract is no longer being sold. This prospectus is used with current contract owners only. We will continue to accept Purchase Payments under existing Contracts. You should note that your Contract features and charges, and your investment options, may vary depending on your state and/or the date on which you purchased your Contract. For more information about the particular features, charges and options applicable to you, please contact your financial professional and/or refer to your Contract. You can tell us what to do with your Purchase Payments. You can also tell us what to do with the Fund Value your Contract may create for you resulting from those Purchase Payments. You may allocate some or all of your Purchase Payments into the subaccounts. Each subaccount is a subaccount of Separate Account MONY America Variable Account A. Both the value of your Contract before annuitization and the amount of income afterward will depend on the investment performance of the portfolios you select. You bear the investment risk of investing in the portfolios. The subaccounts invest in shares of the following portfolios of AXA Premier VIP Trust, Dreyfus Stock Index Fund, Inc., EQ Advisors Trust, Fidelity Variable Insurance Products (VIP), Franklin Templeton Variable Insurance Products Trust, Janus Aspen Series, Oppenheimer Variable Account Funds, PIMCO Variable Insurance Trust and ProFunds VP (the "Portfolios").
SUBACCOUNTS - All Asset Growth-Alt 20 - EQ/MFS International Growth - AXA Aggressive Allocation(1)(2) - EQ/Mid Cap Index - AXA Conservative Allocation(1)(2) - EQ/Money Market - AXA Conservative-Plus Allocation(1)(2) - EQ/Morgan Stanley Mid Cap Growth - AXA Large Cap Growth Managed Volatility((2)) - EQ/PIMCO Ultra Short Bond - AXA/Loomis Sayles Growth(1) - EQ/Quality Bond PLUS - AXA Mid Cap Value Managed Volatility((2)) - EQ/T. Rowe Price Growth Stock - AXA Moderate Allocation(1)(2) - EQ/UBS Growth and Income - AXA Moderate-Plus Allocation(1)(2) - Fidelity VIP Contrafund(R) - Charter(SM) Small Cap Growth - Franklin Income VIP - Dreyfus Stock Index - Franklin Rising Dividends VIP - EQ/BlackRock Basic Value Equity - Janus Aspen Balanced - EQ/Boston Advisors Equity Income - Janus Aspen Enterprise - EQ/Calvert Socially Responsible - Janus Aspen Forty - EQ/Capital Guardian Research - Janus Aspen Global Research - EQ/Core Bond Index - Oppenheimer Global Fund/VA - EQ/GAMCO Mergers and Acquisitions - PIMCO Global Bond (Unhedged) - EQ/GAMCO Small Company Value - ProFund VP Bear - EQ/Intermediate Government Bond - ProFund VP Rising Rates Opportunity - EQ Large Cap Value Index - ProFund VP UltraBull
NOT ALL OF THESE PORTFOLIOS MAY BE AVAILABLE IN ALL STATES OR ALL MARKETS. (1) The "AXA Allocation" portfolios. (2) This Portfolio utilizes a volatility management strategy as part of its investment objective and/or principal investment strategy. See "The Portfolios" for information on how volatility management strategies may impact your Fund Value and any enhanced death benefit. You may also allocate some or all of your Purchase Payments and Fund Value into our Guaranteed Interest Account with Market Value Adjustment, which is discussed later in this prospectus. A Statement of Additional Information dated May 1, 2015 containing additional information about the contract is incorporated herein by reference. It has been filed with the Securities and Exchange Commission and is available from the Company without charge upon written request. You may request one by writing to our Operations Center located at MONY Life Insurance Company of America, Operations Center, 5788 Widewaters Parkway, Syracuse, New York 13214, or by telephoning 1-800-487-6669 or by accessing the SEC's website at www.sec.gov. The table of contents of the Statement of Additional Information can be found in the back of this prospectus. THE SEC HAS NOT APPROVED OR DISAPPROVED THESE SECURITIES OR DETERMINED IF THIS PROSPECTUS IS ACCURATE OR COMPLETE. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE. THE CONTRACTS ARE NOT INSURED BY THE FDIC OR ANY OTHER AGENCY. THEY ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF ANY BANK AND ARE NOT BANK GUARANTEED. THEY ARE SUBJECT TO INVESTMENT RISKS AND POSSIBLE LOSS OF PRINCIPAL. MLA-CM 05.15 CONTENTS OF THIS PROSPECTUS 1. SUMMARY OF THE CONTRACT.......................................... 3 Definitions...................................................... 3 Purpose of the Contract.......................................... 3 Purchase Payments and fund value................................. 3 Minimum Purchase Payments........................................ 3 MONY America Variable Account A.................................. 4 Guaranteed Interest Account with Market Value Adjustment......... 4 The Market Value Adjustment...................................... 4 Transfer of Fund Value........................................... 4 Contract loans................................................... 5 Surrender........................................................ 5 Charges and deductions........................................... 5 Right to return contract provision............................... 5 Death benefit.................................................... 5 Fee tables....................................................... 6 Example.......................................................... 7 Other contracts.................................................. 8 Condensed financial information.................................. 8 2. WHO IS MONY LIFE INSURANCE COMPANY OF AMERICA?................... 8 MONY Life Insurance Company of America........................... 8 How to reach us.................................................. 8 MONY America Variable Account A.................................. 9 3. THE PORTFOLIOS................................................... 10 Purchase of portfolio shares by MONY America Variable Account A.................................................... 17 4. DETAILED INFORMATION ABOUT THE CONTRACT.......................... 17 Payment and allocation of Purchase Payments...................... 17 Telephone/fax transactions....................................... 22 Disruptive transfer activity..................................... 23 Termination of the Contract...................................... 24 5. SURRENDERS....................................................... 24 6. LOANS............................................................ 25 7. DEATH BENEFIT.................................................... 26 Death benefit provided by the Contract........................... 26 Enhanced death benefit options................................... 27 Election and effective date of election.......................... 27 Payment of death benefit......................................... 28 8. CHARGES AND DEDUCTIONS........................................... 28 Deductions from Purchase Payments................................ 29 Charges against Fund Value....................................... 29 Deductions from Fund Value....................................... 29 9. ANNUITY PROVISIONS............................................... 32 Annuity payments................................................. 32 Election and change of settlement option......................... 32 Settlement options............................................... 33 Frequency of annuity payments.................................... 33 Additional provisions............................................ 34 10. OTHER PROVISIONS................................................. 34 Ownership........................................................ 34 Provision required by Section 72(s) of the Code.................. 34 Provision required by Section 401(a)(9) of the Code.............. 35 Secondary annuitant.............................................. 36 Assignment....................................................... 36 Change of beneficiary............................................ 36 Substitution of securities....................................... 37 Changes to Contracts............................................. 37 Change in operation of MONY America Variable Account A........... 37 11. VOTING RIGHTS.................................................... 37 12. DISTRIBUTION OF THE CONTRACTS.................................... 37 13. FEDERAL TAX STATUS............................................... 41 Introduction..................................................... 41 Spousal status................................................... Taxation of annuities in general................................. 41 Retirement plans................................................. 45 Tax treatment of the Company..................................... 47 14. LEGAL PROCEEDINGS................................................ 48 15. CYBERSECURITY.................................................... 48 16. FINANCIAL STATEMENTS............................................. 48 About the general account........................................ 49 Appendix I -- Condensed financial information.................... I-1 STATEMENT OF ADDITIONAL INFORMATION Table of Contents
2 1. SUMMARY OF THE CONTRACT This summary provides you with a brief overview of the more important aspects of your Contract. It is not intended to be complete. More detailed information is contained in this prospectus on the pages following this summary and in your Contract. This summary and the entire prospectus will describe the part of the Contract involving MONY America Variable Account A. The prospectus also briefly will describe the Guaranteed Interest Account with Market Value Adjustment and the portfolios offered by AXA Premier VIP Trust, Dreyfus Stock Index Fund, Inc. EQ Advisors Trust, Fidelity Variable Insurance Products (VIP), Franklin Templeton Variable Insurance Products Trust, Janus Aspen Series, Oppenheimer Variable Account Funds, PIMCO Variable Insurance Trust and ProFunds VP. More detailed information about the Guaranteed Interest Account with Market Value Adjustment is contained in the prospectus attached to this prospectus and in your Contract. See applicable Fund prospectuses for more detailed information about the portfolios offered by the Funds. DEFINITIONS -------------------------------------------------------------------------------- SPECIALIZED TERMS WILL BE DEFINED ON THE PAGE WHERE THEY FIRST APPEAR ENCLOSED IN A BOX. -------------------------------------------------------------------------------- PURPOSE OF THE CONTRACT The Contract is an Individual Flexible Payment Variable Annuity Contract (the "Contract" or "Contracts"). As of January 31, 2005, we no longer offer this Contract. We will continue to accept Purchase Payments under existing Contracts. The Contract is designed to allow an owner to make Purchase Payments to the Company under the Contract. Those Purchase Payments are allocated at the owner's choice among the subaccounts of MONY America Variable Account A and the Guaranteed Interest Account with Market Value Adjustment. Those Purchase Payments can accumulate for a period of time and create Fund Value for the owner. The owner can choose the length of time that such Purchase Payments may accumulate. The owner may choose at some point in the future to receive annuity benefits based upon that accumulated Fund Value. An owner may use the Contract's design to accumulate Fund Value for various purposes including retirement or to supplement other retirement programs. Some of these retirement programs (the "Qualified Plans") may qualify for federal income tax advantages available under certain Sections of the Internal Revenue Code (the "Code"), Sections 401, 403 (other than Section 403(b)), 408, 408A and 457, for example. -------------------------------------------------------------------------------- QUALIFIED PLANS -- RETIREMENT PLANS THAT MAY RECEIVE FAVORABLE TAX TREATMENT UNDER CERTAIN SECTIONS OF THE INTERNAL REVENUE CODE. QUALIFIED CONTRACTS -- CONTRACTS ISSUED UNDER QUALIFIED PLANS. NON-QUALIFIED CONTRACTS -- Contracts not issued under Qualified Plans. FUND VALUE -- THE AGGREGATE DOLLAR VALUE AS OF ANY BUSINESS DAY OF ALL AMOUNTS ACCUMULATED UNDER EACH OF THE SUBACCOUNTS, THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT, AND THE LOAN ACCOUNT OF THE CONTRACT. -------------------------------------------------------------------------------- The Contract is also designed to allow the owner to request payments of part or all of the accumulated Fund Value before the owner begins to receive annuity benefits. This payment may result in the imposition of a surrender charge and a market value adjustment. The market value adjustment will not apply to Contracts issued in certain states. It may also be subject to income and other taxes. PURCHASE PAYMENTS AND FUND VALUE You may allocate your Purchase Payments to one or more of the subaccounts of MONY America Variable Account A that are available under the Contract and/or to the Guaranteed Interest Account with Market Value Adjustment. The Purchase Payments you allocate among the various subaccounts of MONY America Variable Account A may increase or decrease in value on any day depending on the investment experience of the subaccounts you select. There is no guarantee that the value of the Purchase Payments you allocate to any of the subaccounts of MONY America Variable Account A will increase or that the Purchase Payments you make will not lose value. MINIMUM PURCHASE PAYMENTS The minimum Purchase Payment for individuals varies depending upon the purchaser of the Contract and the method of paying the Purchase Payments. See "Payment and allocation of Purchase Payments." 3 Additional Purchase Payments may be made at any time. However, for certain automatic payment plans, the smallest additional payment is $50. (See "Issuance of the Contract.") The Company may change this requirement in the future. MONY AMERICA VARIABLE ACCOUNT A MONY America Variable Account A is a separate investment account of MONY Life Insurance Company of America (the "Company"). MONY America Variable Account A's assets are owned by the Company, but are not chargeable with liabilities arising from any other business the Company conducts. The subaccounts of MONY America Variable Account A invest in shares of the Portfolios at their net asset value. (See "The Portfolios.") Owners bear the entire investment risk for all amounts allocated to MONY America Variable Account A subaccounts. -------------------------------------------------------------------------------- PORTFOLIO -- ANY OPEN-END MANAGEMENT INVESTMENT COMPANY OR UNIT INVESTMENT TRUST IN WHICH A SUBACCOUNT INVESTS. OWNER -- THE PERSON SO DESIGNATED IN THE APPLICATION TO WHOM ALL RIGHTS, BENEFITS, OPTIONS AND PRIVILEGES APPLY WHILE THE ANNUITANT IS LIVING. IF A CONTRACT HAS BEEN ABSOLUTELY ASSIGNED, THE ASSIGNEE BECOMES THE OWNER. PURCHASE PAYMENT -- AN AMOUNT PAID TO THE COMPANY BY THE OWNER OR ON THE OWNER'S BEHALF. NET PURCHASE PAYMENT -- PURCHASE PAYMENT LESS ANY APPLICABLE TAX CHARGES. CURRENTLY, THE COMPANY DOES NOT REDUCE THE PURCHASE PAYMENT BY ANY AMOUNTS FOR TAX. -------------------------------------------------------------------------------- GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT The Guaranteed Interest Account with Market Value Adjustment, or MVA, is part of the Company's General Account. It consists of all the Company's assets other than assets allocated to segregated investment accounts of the Company. Net Purchase Payments allocated to the Guaranteed Interest Account with Market Value Adjustment will be credited with interest at rates guaranteed by the Company for specified periods. (See the prospectus for the Guaranteed Interest Account with Market Value Adjustment which accompanies this prospectus for further details) THE MARKET VALUE ADJUSTMENT Amounts that are surrendered or transferred (including transfers for the purpose of obtaining a Loan) from an Accumulation Period more than 30 days before the Maturity Date will be subject to an MVA. An MVA will not apply upon payment of a death benefit upon the death of the annuitant. The MVA is determined through the use of a factor, which is known as the MVA Factor. This factor is discussed in detail in the section entitled "The Market Value Adjustment." The MVA could cause an increase or decrease or no change at all in the amount of the distribution from an Accumulation Period. A market value adjustment will be imposed on transfers or surrenders (partial or full) from the Guaranteed Interest Account with Market Value Adjustment in most states. A MARKET VALUE ADJUSTMENT WILL NOT BE IMPOSED ON CONTRACTS ISSUED IN THE STATES OF MARYLAND, THE COMMONWEALTH OF MASSACHUSETTS, NEW JERSEY, OKLAHOMA, OREGON, THE COMMONWEALTH OF PENNSYLVANIA, SOUTH CAROLINA, TEXAS AND WASHINGTON; HOWEVER, RESTRICTIONS ON TRANSFERS APPLY IN THESE STATES. The adjustment can be either a positive or negative adjustment. No adjustment is made for the amount withdrawn or transferred within 30 days before the end of the accumulation period. -------------------------------------------------------------------------------- BUSINESS DAY -- OUR "BUSINESS DAY" IS GENERALLY ANY DAY THE NEW YORK STOCK EXCHANGE IS OPEN FOR REGULAR TRADING AND GENERALLY ENDS AT 4:00 P.M. EASTERN TIME (OR AS OF AN EARLIER CLOSE OF REGULAR TRADING). A BUSINESS DAY DOES NOT INCLUDE A DAY ON WHICH WE ARE NOT OPEN DUE TO EMERGENCY CONDITIONS DETERMINED BY THE SECURITIES AND EXCHANGE COMMISSION. WE MAY ALSO CLOSE EARLY DUE TO SUCH EMERGENCY CONDITIONS. -------------------------------------------------------------------------------- TRANSFER OF FUND VALUE You may transfer Fund Value among the subaccounts and to or from the Guaranteed Interest Account with Market Value Adjustment. Transfers from the Guaranteed Interest Account with Market Value Adjustment may be subject to a Market Value Adjustment for contracts issued in certain states. Transfers may be made by telephone or fax if the proper form has been completed, signed, and received by the Company at its Operations Center. See the cover page for how to contact the Operations Center. (See "Transfers.") 4 CONTRACT LOANS Under certain qualified contracts, you may borrow up to the dollar amount specified in the Code, not to exceed 50% of your Contract's Fund Value from the Company. Your Contract will be the only security required for the loan. Contracts issued to 401(k) plans are generally the only Contracts which permit loans. An amount equal to the amount of the loan is transferred to the loan account as security for the loan. The loan account is part of the Company's General Account. We will charge you interest on the amount borrowed. If you do not pay the interest when due, the amount due will be borrowed from the Contract's Fund Value. SURRENDER You may surrender all or part of the Contract at any time and receive its cash value while the Annuitant is alive prior to the Annuity Starting Date. We may impose a surrender charge and market value adjustment (if applicable). The amounts you receive upon surrender may be subject to income taxes and a 10% penalty tax if you are younger than 59 1/2 at the time of surrender. (See "Federal tax status.") CHARGES AND DEDUCTIONS The Contract provides for the deduction of various charges and expenses from the Fund Value of the Contract. RIGHT TO RETURN CONTRACT PROVISION This information is no longer applicable, as these contracts are no longer available to new purchasers. You have the right to examine the Contract when you receive it. You may return the Contract for any reason during the "right to return contract period" (usually within ten days from the day you receive it. You will receive a refund of the Purchase Payments received by the Company, less any partial surrender you made. During the right to return contract period, Purchase Payments will be retained in the Company's General Account and will earn interest at a rate not less than 3.50% per year. If you have not returned the Contract at the end of the right to return contract period, we transfer the Net Purchase Payments with interest to the subaccounts and/or the Guaranteed Interest Account. DEATH BENEFIT If the Annuitant (and the Secondary Annuitant, if any) dies before the Annuity Starting Date, a death benefit will be payable to the Beneficiary. Under certain circumstances, an enhanced death benefit may be payable. If the Annuitant dies after the Annuity Starting Date, no death benefit is payable except as may be payable under the settlement option selected. (See "Death benefit" and "Enhanced death benefit.") -------------------------------------------------------------------------------- ANNUITANT -- THE PERSON UPON WHOSE CONTINUATION OF LIFE ANY ANNUITY PAYMENT DEPENDS. SECONDARY ANNUITANT -- THE PARTY DESIGNATED BY THE OWNER TO BECOME THE ANNUITANT, SUBJECT TO CERTAIN CONDITIONS, ON THE DEATH OF THE ANNUITANT. BENEFICIARY -- THE PARTY ENTITLED TO RECEIVE BENEFITS PAYABLE AT THE DEATH OF THE ANNUITANT OR (IF APPLICABLE) THE SECONDARY ANNUITANT. ANNUITY STARTING DATE -- ATTAINMENT OF AGE 95, OR AT THE DISCRETION OF THE OWNER OF THE CONTRACT, A DATE THAT IS AT LEAST TEN YEARS FROM THE EFFECTIVE DATE OF THE CONTRACT. -------------------------------------------------------------------------------- 5 FEE TABLES The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering the Contract. The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender the Contract, transfer Fund Value between investment options, or for Contracts funding 401(k) plans only, take a loan. A charge for taxes may also be deducted. OWNER TRANSACTION EXPENSES: Maximum deferred sales load (surrender charge) (as a percentage of Purchase Payments surrendered).................................................. 7.00%(1) Loan interest spread (effective annual rate)........................................................ 2.50%(2) Maximum transfer charge............................................................................. $25(3) The next table describes the fees and expense that you will pay periodically during the time that you own the Contract, not including Fund portfolio company fees and expenses. Maximum annual contract charge...................................................................... $50(4)
SEPARATE ACCOUNT ANNUAL EXPENSES (AS A PERCENTAGE OF AVERAGE ANNUAL FUND VALUE IN MONY AMERICA VARIABLE ACCOUNT A): Maximum mortality and expense risk fees...................................................... 1.35%(5) Total separate account annual expenses....................................................... 1.35%(5)
(1) THE SURRENDER CHARGE PERCENTAGE, WHICH REDUCES TO ZERO, IS DETERMINED UNDER A SURRENDER CHARGE SCHEDULE. (SEE "DEDUCTIONS FROM FUND VALUE -- AMOUNT OF SURRENDER CHARGE.") THE SURRENDER CHARGE MAY BE REDUCED UNDER CERTAIN CIRCUMSTANCES WHICH INCLUDE REDUCTION IN ORDER TO GUARANTEE THAT CERTAIN AMOUNTS MAY BE RECEIVED FREE OF SURRENDER CHARGE. (SEE "CHARGES AGAINST FUND VALUE -- FREE PARTIAL SURRENDER AMOUNT.") (2) THE LOAN INTEREST SPREAD IS THE DIFFERENCE BETWEEN THE AMOUNT OF INTEREST WE CHARGE ON LOANS AND THE AMOUNT OF INTEREST WE CREDIT TO AMOUNTS HELD IN THE LOAN ACCOUNT TO SECURE LOANS. (3) THE TRANSFER CHARGE CURRENTLY IS $0. HOWEVER, THE COMPANY HAS RESERVED THE RIGHT TO IMPOSE A CHARGE FOR EACH TRANSFER, WHICH WILL NOT EXCEED $25 (EXCEPT FOR CONTRACTS ISSUED IN THE STATES OF SOUTH CAROLINA AND TEXAS WHERE IT WILL NOT EXCEED $10). (SEE "CHARGES AGAINST FUND VALUE -- TRANSFER CHARGE.") (4) THE ANNUAL CONTRACT CHARGE IS CURRENTLY $0. HOWEVER, THE COMPANY MAY IN THE FUTURE CHANGE THE AMOUNT OF THE CHARGE TO AN AMOUNT NOT EXCEEDING $50 PER CONTRACT YEAR (EXCEPT FOR CONTRACTS ISSUED IN THE STATES OF MARYLAND, MASSACHUSETTS, NEW JERSEY, OKLAHOMA, OREGON, COMMONWEALTH OF PENNSYLVANIA, SOUTH CAROLINA, TEXAS AND WASHINGTON WHERE THE CHARGE MAY NOT EXCEED $30). (SEE "CHARGES AGAINST FUND VALUE -- ANNUAL CONTRACT CHARGE.") (5) THE MORTALITY AND EXPENSE RISK CHARGE IS DEDUCTED DAILY EQUIVALENT TO A CURRENT ANNUAL RATE OF 1.35% (AND IS GUARANTEED NOT TO EXCEED A DAILY RATE EQUIVALENT TO AN ANNUAL RATE OF 1.35%) FROM THE VALUE OF THE NET ASSETS OF MONY AMERICA VARIABLE ACCOUNT A. The next item shows the minimum and maximum total operating expenses charged by the Portfolios for the year ended December 31, 2014. You may pay Portfolio operating expenses periodically during the time that you own the Contract. Certain Portfolios invest in shares of other portfolios of the Trusts and/or shares of unaffiliated portfolios ("underlying portfolios"). More detail concerning each Portfolio's fees and expenses is contained in the prospectus for the Portfolio. 6 TOTAL ANNUAL PORTFOLIO OPERATING EXPENSES
LOWEST HIGHEST ------- -------- Total Annual Portfolio Operating Expenses for 2014................. 0.27% 1.78% (expenses that are deducted from portfolio assets including management fees, 12b-1 fees, service fees, and/or other Lowest Highest expenses)(1)
(1) "TOTAL ANNUAL PORTFOLIO OPERATING EXPENSES" ARE BASED, IN PART, ON ESTIMATED AMOUNTS FOR OPTIONS ADDED DURING THE FISCAL YEAR 2014, IF APPLICABLE, AND FOR THE UNDERLYING PORTFOLIOS. IN ADDITION, THE "LOWEST" REPRESENTS THE TOTAL ANNUAL OPERATING EXPENSES OF THE DREYFUS STOCK INDEX PORTFOLIO -- INITIAL SHARES. THE "HIGHEST" REPRESENTS THE TOTAL ANNUAL OPERATING EXPENSES OF THE PROFUND VP ULTRABULL PORTFOLIO. EXAMPLE This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include Owner transaction expenses, contract fees, separate account annual expenses, and Portfolio fees and expenses for the year ended December 31, 2014. The example assumes that you invest $10,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year. The example assumes the maximum contract charges and annual expenses of any of the Portfolios (before expense limitations) set forth in the previous charts. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1. a. If you surrender your Contract at the end of the applicable time period (assuming maximum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS -------- -------- --------- --------- $1,004 $1,675 $2,361 $3,889
b. If you surrender your Contract at the end of the applicable time period (assuming minimum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS ------- -------- --------- --------- $863 $1,254 $1,659 $2,452
2. a. If you do not surrender your Contract (assuming maximum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS ------- -------- --------- --------- $365 $1,112 $1,878 $3,889
b. If you do not surrender your Contract (assuming minimum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS ------- ------- --------- --------- $215 $664 $1,139 $2,452
3. a. If you annuitize your Contract and the proceeds are settled under Settlement Options 3 or 3A (life income with annuity options) (assuming maximum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS -------- -------- --------- --------- $1,004 $1,112 $1,878 $3,889
b. If you annuitize your Contract and the proceeds are settled under Settlement Options 3 or 3A (life income with annuity options) (assuming minimum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS ------- ------- --------- --------- $863 $664 $1,139 $2,452
4. a. If you annuitize your Contract and the proceeds are settled under Settlement Options 1, 2 or 4 (annuity income without life contingencies) (assuming maximum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS -------- -------- --------- --------- $1,004 $1,675 $2,361 $3,889
7 b. If you annuitize your Contract and the proceeds are settled under Settlement Options 1, 2 or 4 (annuity income without life contingencies) (assuming minimum fees and expenses of any of the Portfolios):
1 YEAR 3 YEARS 5 YEARS 10 YEARS ------- -------- --------- --------- $863 $1,254 $1,659 $2,452
For the purposes of the Fee Tables and the Example, we assume that the Contract is owned during the accumulation period. (See "Charges and Deductions.") On and after the Annuity Starting Date, different fees and charges will apply. OTHER CONTRACTS We offer a variety of fixed and variable annuity Contracts. They may offer features, including investment options, fees and/or charges that are different from those in the Contracts offered by this prospectus. Not every Contract is offered through the same distributor. Upon request, your registered representative can show you information regarding other annuity Contracts that he or she distributes. You can also contact us to find out more about any of MONY Life Insurance Company of America annuity Contracts. CONDENSED FINANCIAL INFORMATION Please see Appendix I at the end of this prospectus for the unit values and the number of units outstanding as of the end of the period shown for each of the variable investment options available as of December 31, 2014. 2. WHO IS MONY LIFE INSURANCE COMPANY OF AMERICA? MONY LIFE INSURANCE COMPANY OF AMERICA We are MONY Life Insurance Company of America (the "Company"), an Arizona stock life insurance corporation organized in 1969. MONY Life Insurance Company of America is an indirect wholly owned subsidiary of AXA Financial, Inc., which is an indirect wholly owned subsidiary of AXA S.A. ("AXA"), a French holding company for an international group of insurance and related financial services companies. As the ultimate sole shareholder of the Company, AXA exercises significant influence over the operations and capital structure of the Company. No company other than the Company, however, has any legal responsibility to pay amounts that the Company owes under the Contracts. AXA Equitable is solely responsible for paying all amounts owed to you under your Contract. AXA Financial, Inc. and its consolidated subsidiaries managed approximately $577.7 billion in assets as of December 31, 2014. The Company is licensed to sell life insurance and annuities in forty-nine states (not including New York), the District of Columbia, the U.S. Virgin Islands and Puerto Rico. Our main administrative office is located at 525 Washington Blvd., Jersey City, NJ 07310. On October 1, 2013, the Company entered into a reinsurance transaction with Protective Life Insurance Company ("Protective"), whereby Protective agreed to reinsure a substantial portion of the Company's life insurance and annuity business (the "Reinsured Business"). This policy is included in the Reinsured Business. Protective reinsures all of the insurance risks of the Reinsured Business and is responsible for customer service and administration for all contracts comprising the Reinsured Business. However, the Company remains the insurer of the policy and the terms, features, and benefits of the policy have NOT changed as a result of the transaction. HOW TO REACH US To obtain (1) any forms you need for communicating with us, (2) unit values and other values under your policy, and (3) any other information or materials that we provide in connection with your Contract or the Portfolios, you may communicate with our Operations Center as listed below for the purposes described or register to view your Contract online at www.service@protective. Please refer to "Telephone/fax transactions" for effective dates for processing telephone and fax requests, later in this prospectus. Certain methods of contacting us, such as by telephone or electronically may be unavailable or delayed (for example our fax service may not be available at all times and/or we may be unavailable due to emergency closing). In addition, the level and type of service available may be restricted based on criteria established by us. In order to avoid delays in processing, please send your correspondence and check to the appropriate location, as follows: FOR CORRESPONDENCE WITH CHECKS: FOR SUBSEQUENT CONTRIBUTIONS SENT BY REGULAR MAIL: MONY Life Insurance Company of America P.O. Box 5064 New York, NY 10087-5064 8 FOR SUBSEQUENT CONTRIBUTIONS SENT BY EXPRESS DELIVERY: JPMorgan Chase - Lockbox Processing Lockbox - MONY Life Insurance Company of America - LBX 5064 4 Chase Metrotech Center 7th Floor East Brooklyn, NY 11245 FOR CORRESPONDENCE WITHOUT CHECKS: FOR ALL OTHER COMMUNICATIONS (E.G., REQUESTS FOR TRANSFERS, WITHDRAWALS, OR REQUIRED NOTICES) SENT BY MAIL: MONY Life Insurance Company of America PO Box 4830 Syracuse, New York 13221 Your correspondence will be picked up at the mailing address noted above and delivered to our Operations Center. Your correspondence, however, is not considered received by us until it is received at our Operations Center. Where this prospectus refers to the day when we receive a contribution, request, election, notice, transfer or any other transaction request from you, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in complete and proper form at our Operations Center or via the appropriate telephone or fax number if the item is a type we accept by those means. There are two main exceptions: if the item arrives (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day. Our Operations Center is: 5788 Widewaters Parkway, Syracuse, New York 13214. BY TOLL-FREE PHONE: Customer service representatives are available weekdays from 8:00 AM to 7:00 PM, Eastern Time, Monday - Thursday, and 8:00 AM to 5:00 PM, Eastern Time, on Friday at 1-800-487-6669. You can also change your allocation percentages, transfer among investment options, request a loan, and/or change your address (1) by toll-free phone and assisted service or (2) by writing our Operations Center. For more information about the transaction requests you can make by phone or fax, see "Telephone/fax transactions" later in this prospectus. BY INTERNET: You may register for online account access at www.service@protective. Our website provides access to account information and customer service. After registering, you can view account details, print customer service forms and find answers to common questions. MONY AMERICA VARIABLE ACCOUNT A MONY America Variable Account A is a separate investment account of the Company. Presently, only Purchase Payments for individual flexible payment variable annuity contracts are permitted to be allocated to MONY America Variable Account A. The assets in MONY America Variable Account A are kept separate from the General Account assets and other separate accounts of the Company. The Company owns the assets in MONY America Variable Account A. The Company is required to keep assets in MONY America Variable Account A that equal the total market value of the contract liabilities funded by MONY America Variable Account A. Realized or unrealized income gains or losses of MONY America Variable Account A are credited or charged against MONY America Variable Account A assets without regard to the other income, gains or losses of the Company. Reserves and other liabilities under the contracts are assets of MONY America Variable Account A. MONY America Variable Account A assets are not chargeable with liabilities of the Company's other businesses. The assets of MONY America Variable Account A are, however, available to cover the liabilities of the Company's General Account to the extent that the assets of MONY America Variable Account A exceed the liabilities of the Contracts supported by it. The amount of some of our obligations under the Contracts is based on the assets in MONY America Variable Account A. However, the obligations themselves are obligations of the Company. MONY America Variable Account A was authorized by the Board of Directors of the Company and established under Arizona law on March 27, 1987. MONY America Variable Account A is registered under the Investment Company Act of 1940 (the "1940 Act") and is registered and classified under that act as a "unit investment trust". The SEC, however, does not manage or supervise the Company or MONY America Variable Account A. Although MONY America 9 Variable Account A is registered, the Securities and Exchange Commission (the "SEC") does not monitor the activity of MONY America Variable Account A on a daily basis. The Company is not required to register, and is not registered, as an investment company under the "1940 Act". A unit investment trust is a type of investment company. For state law purposes, MONY America Variable Account A is treated as a part or division of the Company. MONY America Variable Account A is divided into subdivisions called subaccounts. Each subaccount invests only in shares of a designated Portfolio. For example, the EQ/Core Bond Index Subaccount invests solely in shares of the EQ/Core Bond Index Portfolio of the EQ Advisors Trust. These Portfolios serve only as the underlying investment for variable annuity and variable life insurance contracts issued through separate accounts of the Company or other life insurance companies. The Portfolios may also be available to certain pension accounts. The Portfolios are not available directly to individual investors. In the future, we reserve the right, in compliance with the laws that apply, to establish additional subaccounts; eliminate subaccounts; combine any two or more subaccounts; transfer the assets we determine to be the shares of the class of contracts to which the contracts belong from any subaccount to another subaccount; restrict or eliminate any voting rights as to the MONY America Variable Account A; and cause one or more subaccounts to invest some or all of their assets in one or more other trusts or investment companies of MONY America Variable Account A if marketing needs, tax conditions, or investment conditions warrant. Future subaccounts may invest in other Portfolios or in other securities, as permitted by applicable law. Any new subaccounts may be made available to existing contracts on a basis to be determined by us. If any of these changes are made, we may, by appropriate endorsement, change the Contract to reflect the change. 3. THE PORTFOLIOS We offer both affiliated and unaffiliated Trusts, which in turn offer one or more Portfolios. AXA Equitable Funds Management Group, LLC, ("AXA FMG") a wholly owned subsidiary of AXA Equitable, serves as the investment manager of the Portfolios AXA Premier VIP Trust and EQ Advisors Trust. For some Portfolios, AXA has entered into sub-advisory agreements with one or more investment advisers (the "sub-advisers") to carry out the day-to-day investment decisions for the Portfolios. As such, among other responsibilities, AXA FMG oversees the activities of the sub-advisers with respect to the Trusts and is responsible for retaining or discontinuing the services of those sub-advisers. The chart below indicates the sub-adviser(s) for each Portfolio, if any. The chart below also shows the currently available Portfolios and their investment objectives. You should be aware that AXA Advisors, LLC and AXA Distributors, LLC (together, the "Distributors") directly or indirectly receive 12b-1 fees from affiliated Portfolios for providing certain distribution and/or shareholder support services. These fees will not exceed 0.25% of the Portfolios' average daily net assets. The Portfolios' sub-advisers and/or their affiliates may also contribute to the cost of expenses for sales meetings or seminar sponsorships that may relate to the contracts and/or the sub-advisers' respective Portfolios. It may be more profitable for us to offer affiliated Portfolios than to offer unaffiliated Portfolios. AXA Equitable or the Distributors may directly or indirectly receive 12b-1 fees and additional payments from certain unaffiliated Portfolios, their advisers, sub-advisers, distributors or affiliates, for providing certain administrative, marketing, distribution and/or shareholder support services. These fees and payments range from 0% to 0.60% of the unaffiliated Portfolios' average daily net assets. The Distributors may also receive payments from the advisers or sub-advisers of the unaffiliated Portfolios or their affiliates for certain distribution services, including expenses for sales meetings or seminar sponsorships that may relate to the Contracts and/or the advisers' respective Portfolios. As a contract owner, you may bear the costs of some or all of these fees and payments through your indirect investment in the Portfolios. (See the Portfolios' prospectuses for more information.) These fees and payments, as well as the Portfolios' investment management fees and administrative expenses, will reduce the underlying Portfolios' investment returns. AXA Equitable may profit from these fees and payments. AXA Equitable considers the availability of these fees and payment arrangements during the selection process for the underlying Portfolios. These fees and payment arrangements may create an incentive for us to select Portfolios (and classes of shares of Portfolios) that pay us higher amounts. The AXA Allocation Portfolios and the All Asset Growth-Alt 20 Portfolio invest in other affiliated Portfolios (the "AXA Fund of Fund Portfolios"). The AXA Fund of Fund Portfolios offer contract owners a convenient opportunity to invest in other Portfolios that are managed and have been selected for inclusion in the AXA Fund of Fund Portfolios by AXA FMG. AXA Advisors, LLC, an affiliated broker-dealer of AXA Equitable, may promote the benefits of such Portfolios to contract owners and/or suggest that contract owners consider whether allocating some or all of their Fund Values to such Portfolios is consistent with their desired investment objectives. In doing so, AXA Equitable, and/or its affiliates, may be subject to conflicts of interest insofar as AXA Equitable may derive greater revenues from the AXA Fund of Fund Portfolios than certain other Portfolios available to you under your contract. Please see "Detailed information about the Contract" later in this Prospectus for more information about your role in managing your allocations. 10 As described in more detail in the Portfolio prospectuses, certain affiliated Portfolios (the "AXA Managed Volatility Portfolios") utilize a proprietary volatility management strategy developed by AXA FMG (the "AXA volatility management strategy"), and, in addition, certain AXA Fund of Fund Portfolios may invest in affiliated Portfolios that utilize this strategy. The AXA volatility management strategy uses futures and options, such as exchange-traded futures and options contracts on securities indices, to reduce the Portfolio's equity exposure during periods when certain market indicators indicate that market volatility is above specific thresholds set for the Portfolio. When market volatility is increasing above the specific thresholds set for a Portfolio utilizing the AXA volatility management strategy, the manager of the Portfolio may reduce equity exposure. Although this strategy is intended to reduce the overall risk of investing in the Portfolio, it may not effectively protect the Portfolio from market declines and may increase its losses. Further, during such times, the Portfolio's exposure to equity securities may be less than that of a traditional equity portfolio. This may limit the Portfolio's participation in market gains and result in periods of underperformance, including those periods when the specified benchmark index is appreciating, but market volatility is high. The AXA Managed Volatility Portfolios and the AXA Fund of Fund Portfolios that include the AXA volatility management strategy as part of their investment objective and/or principal investment strategy are identified below in the chart by a "[x]" under the column entitled "Volatility Management." Portfolios that utilize the AXA volatility management strategy (or, in the case of certain AXA Fund of Fund Portfolios, invest in other Portfolios that use the AXA volatility management strategy) are designed to reduce the overall volatility of your Fund Value and provide you with risk-adjusted returns over time. During rising markets, the AXA volatility management strategy, however, could result in your Fund Value rising less than would have been the case had you been invested in a Portfolio that does not utilize the AXA volatility management strategy. Conversely, investing in investment options that feature a managed-volatility strategy may be helpful in a declining market when high market volatility triggers a reduction in the investment option's equity exposure because during these periods of high volatility, the risk of losses from investing in equity securities may increase. In these instances, your Fund Value may decline less than would have been the case had you not been invested in investment options that feature a volatility management strategy. The success of the volatility management strategy depends, in part, on the investment adviser's ability to effectively and efficiently implement its risk forecasts and to manage the strategy for the Portfolio's benefit. In addition, the cost of implementing a volatility management strategy may negatively impact performance. There is no guarantee that a volatility management strategy can achieve or maintain a Portfolio's optimal risk targets, and the Portfolio may not perform as expected. Please see the underlying Portfolio prospectuses for more information in general, as well as more information about the AXA volatility management strategy. Please further note that certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques that differ from the AXA volatility management strategy. Any such Portfolio is not identified under "Volatility Management" below in the chart. Such techniques could also impact your account value in the same manner described above. Please see the Portfolio prospectuses for more information about the Portfolios' objective and strategies. In addition, the All Asset Growth-Alt 20 Portfolio invests in positions that emphasize alternative investment strategies and/or nontraditional asset classes. Alternative investment strategies may be riskier than traditional investment strategies and may involve leverage or use various complex hedging techniques, like options and derivatives. These alternative investments create a mix of strategies that offers potential diversification benefits beyond traditional investment strategies. Please see the underlying Portfolio prospectus for more information about alternative investment strategies and nontraditional asset classes. INVESTMENTS IN PORTFOLIOS THAT ARE ALSO OFFERED IN POLICIES/CONTRACTS WITH AN ASSET TRANSFER PROGRAM Some of the Portfolios are offered in other AXA variable annuity contracts that have guaranteed benefit riders. Owners of these riders may be required to participate in AXA's Asset Transfer Program ("ATP"), which is designed to reduce the overall volatility of the owner's account value and therefore help AXA manage the risks associated with providing guaranteed benefits during times of high volatility in the equity market. The ATP uses predetermined mathematical formulas to move account value between the AXA Ultra Conservative Strategy Portfolio (an investment option utilized solely by the ATP) and the other Portfolios offered under those contracts. You should be aware that operation of the predetermined mathematical formulas underpinning the ATP has the potential to adversely impact the Portfolios, including their performance, risk profile and expenses. This means that Portfolio investments in policies/contracts with or without an ATP feature could be adversely impacted. Particularly during times of high market 11 volatility, if the ATP triggers substantial asset flows into and out of a Portfolio, it could have the following effects on all policy/contract owners invested in that Portfolio: (a) By requiring a Portfolio sub-adviser to buy and sell large amounts of securities at inopportune times, a Portfolio's investment performance and the ability of the sub-adviser to fully implement the Portfolio's investment strategy could be negatively affected; and (b) By generating higher turnover in its securities or other assets than it would have experienced without being impacted by the ATP, a Portfolio could incur higher operating expense ratios and transaction costs than comparable funds. In addition, even Portfolios structured as funds-of-funds that are not available for investment by policy/contract owners who are subject to the ATP could also be impacted by the ATP if those Portfolios invest in underlying funds that are themselves subject to significant asset turnover caused by the ATP. If the ATP causes significant transfers of account value out of a Portfolio, any resulting negative effect on the performance of that Portfolio will be experienced to a greater extent by a policy/contract owner who remains invested in that Portfolio because his or her account value was not subject to the transfer.
INVESTMENT MANAGER AXA PREMIER VIP TRUST (OR SUB-ADVISER(S), VOLATILITY PORTFOLIO NAME SHARE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT ----------------------- ------------------- ---------------------------------- ---------------------------------- ------------ AXA AGGRESSIVE Class B Seeks to achieve long-term - AXA Equitable Funds [x] ALLOCATION(1) capital appreciation. Management Group, LLC AXA CONSERVATIVE Class B Seeks to achieve a high level - AXA Equitable Funds [x] ALLOCATION(1) of current income. Management Group, LLC AXA CONSERVATIVE- Class B Seeks to achieve current - AXA Equitable Funds [x] PLUS ALLOCATION(1) income and growth of capital, Management Group, LLC with a greater emphasis on current income. AXA MODERATE Class B Seeks to achieve long-term - AXA Equitable Funds [x] ALLOCATION(1) capital appreciation and Management Group, LLC current income. AXA MODERATE- Class B Seeks to achieve long-term - AXA Equitable Funds [x] PLUS ALLOCATION(1) capital appreciation and Management Group, LLC current income, with a greater emphasis on capital appreciation. CHARTER(SM) SMALL Class B Seeks to achieve long-term - AXA Equitable Funds - CAP GROWTH growth of capital. Management Group, LLC ALL ASSET GROWTH- Class IB Seeks long-term capital - AXA Equitable Funds - ALT 20 appreciation and current Management Group, LLC income. AXA LARGE CAP Class IB Seeks to provide long-term - AXA Equitable Funds [x] GROWTH MANAGED capital growth with an Management Group, LLC VOLATILITY emphasis on risk-adjusted - BlackRock Investment returns and managing volatility Management, Inc in the Portfolio. - Marsico Capital Management, LLC - T. Rowe Price Associates, Inc. - Wells Capital Management, Inc.
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INVESTMENT MANAGER EQ ADVISORS TRUST (OR SUB-ADVISER(S), VOLATILITY PORTFOLIO NAME SHARE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT --------------------- -------------------- ----------------------------------- ----------------------------------- ------------- AXA/LOOMIS Class IB Seeks to achieve capital - Loomis, Sayles & - SAYLES GROWTH(1) appreciation. Company, L.P. AXA MID CAP Class IA Seeks to achieve long-term - AXA Equitable Funds [x] VALUE MANAGED capital appreciation with an Management Group, LLC VOLATILITY emphasis on risk adjusted - BlackRock Investment returns and managing volatility Management, LLC in the Portfolio. - Diamond Hill Capital Management, Inc. - Wellington Management Company, LLP EQ/BLACKROCK Class IB Seeks to achieve capital - BlackRock Investment - BASIC VALUE EQUITY appreciation and secondarily, Management, LLC income. EQ/BOSTON Class IB Seeks a combination of - Boston Advisors, LLC - ADVISORS EQUITY growth and income to achieve INCOME an above-average and consistent total return. EQ/CALVERT Class IA Seeks to achieve long-term - Calvert Investment - SOCIALLY capital appreciation. Management, Inc. RESPONSIBLE EQ/CAPITAL Class IA Seeks to achieve long-term - Capital Guardian Trust - GUARDIAN growth of capital. Company RESEARCH EQ/CORE BOND Class IA Seeks to achieve a total return - SSgA Funds Management, - INDEX before expenses that Inc. approximates the total return performance of the Barclays Intermediate U.S. Government/Credit Index, including reinvestment of dividends, at a risk level consistent with that of the Barclays Intermediate U.S. Government/Credit Index. EQ/GAMCO Class IB Seeks to achieve capital - GAMCO Asset - MERGERS AND appreciation. Management, Inc. ACQUISITIONS EQ/GAMCO SMALL Class IB Seeks to maximize capital - GAMCO Asset - COMPANY VALUE appreciation. Management, Inc.
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INVESTMENT MANAGER EQ ADVISORS TRUST (OR SUB-ADVISER(S), VOLATILITY PORTFOLIO NAME SHARE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT --------------------- -------------------- ----------------------------------- ----------------------------------- ------------- EQ/INTERMEDIATE Class IA Seeks to achieve a total return - AXA Equitable Funds - GOVERNMENT BOND before expenses that Management Group, LLC approximates the total return - SSgA Funds Management, performance of the Barclays Inc. Intermediate U.S. Government Bond Index, including reinvestment of dividends, at a risk level consistent with that of the Barclays Intermediate U.S. Government Bond Index. EQ/LARGE CAP Class IA Seeks to achieve a total return - SSgA Funds Management, - VALUE INDEX before expenses that Inc. approximates the total return performance of the Russell 1000(R) Value Index, including reinvestment of dividends, at a risk level consistent with that of the Russell 1000(R) Value Index. EQ/MFS Class IB Seeks to achieve capital - Massachusetts Financial - INTERNATIONAL appreciation. Services Company d/b/a GROWTH MFS Investment Management EQ/MID CAP INDEX Class IA Seeks to achieve a total return - SSgA Funds Management, - before expenses that Inc. approximates the total return performance of the Standard & Poor's Mid Cap 400 Index, including reinvestment of dividends, at a risk level consistent with that of the Standard & Poor's Mid Cap 400 Index. EQ/MONEY MARKET Class IA Seeks to obtain a high level of - The Dreyfus Corporation - current income, preserve its assets and maintain liquidity. EQ/MORGAN Class IA Seeks to achieve capital - Morgan Stanley Investment - STANLEY MID CAP growth. Management Inc. GROWTH EQ/PIMCO ULTRA Class IB Seeks to generate a return in - Pacific Investment - SHORT BOND excess of traditional money Management Company market products while LLC maintaining an emphasis on preservation of capital and liquidity.
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INVESTMENT MANAGER EQ ADVISORS TRUST (OR SUB-ADVISER(S), VOLATILITY PORTFOLIO NAME SHARE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT ---------------------- -------------------- ---------------------------------- ----------------------------------- ------------- EQ/QUALITY BOND Class IB Seeks to achieve high current - AllianceBernstein L.P. - PLUS income consistent with - AXA Equitable Funds moderate risk to capital. Management Group, LLC - Pacific Investment Management Company LLC EQ/T. ROWE PRICE Class IB Seeks to achieve long-term - T. Rowe Price Associates, - GROWTH STOCK capital appreciation and Inc. secondarily, income. EQ/UBS GROWTH Class IB Seeks to achieve total return - UBS Global Asset - AND INCOME through capital appreciation Management (Americas) with income as a secondary Inc. consideration.
INVESTMENT MANAGER DREYFUS STOCK INDEX (OR SUB-ADVISER(S), VOLATILITY FUND, INC. -- INITIAL SHARES OBJECTIVE AS APPLICABLE) MANAGEMENT ------------------------------------ ------------------------------------ ----------------------------------------- ------------- DREYFUS STOCK INDEX The fund seeks to match the - The Dreyfus Corporation - total return of the Standard & - Index Fund Manager: Mellon Poor's(R) 500 Composite Stock Capital Management Price Index.
INVESTMENT MANAGER FIDELITY(R) VARIABLE INSURANCE (OR SUB-ADVISER(S), VOLATILITY PRODUCTS (VIP) -- SERVICE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT ------------------------------------ ------------------------------------ ----------------------------------------- ------------- FIDELITY(R) VIP CONTRAFUND(R) Seeks long-term capital - Fidelity Management and - appreciation. Research Company (FMR)
FRANKLIN TEMPLETON VARIABLE INVESTMENT MANAGER INSURANCE PRODUCTS TRUST -- CLASS 2 (OR SUB-ADVISER(S), PORTFOLIO NAME OBJECTIVE AS APPLICABLE) ------------------------------------- ------------------------------------- ----------------------------------------- FRANKLIN INCOME VIP FUND Seeks to maximize income - Franklin Advisers, Inc. while maintaining prospects for capital appreciation. FRANKLIN RISING DIVIDENDS VIP Seeks long-term capital - Franklin Advisory Services, LLC FUND appreciation, with preservation of capital as an important consideration. FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST -- CLASS 2 VOLATILITY PORTFOLIO NAME MANAGEMENT ------------------------------------- ------------- FRANKLIN INCOME VIP FUND - FRANKLIN RISING DIVIDENDS VIP - FUND
INVESTMENT MANAGER JANUS ASPEN SERIES -- (OR SUB-ADVISER(S), VOLATILITY INSTITUTIONAL SHARES OBJECTIVE AS APPLICABLE) MANAGEMENT ------------------------------------ ------------------------------------ ---------------------------------------- ------------ JANUS ASPEN BALANCED Seeks long-term capital growth, - Janus Capital Management LLC - consistent with preservation of capital and balanced by current income. JANUS ASPEN ENTERPRISE Seeks long-term growth of - Janus Capital Management LLC - capital. JANUS ASPEN FORTY((2)) Seeks long-term growth of - Janus Capital Management LLC - capital. JANUS ASPEN GLOBAL Seeks long-term growth of - Janus Capital Management LLC - RESEARCH capital.
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INVESTMENT MANAGER OPPENHEIMER VARIABLE ACCOUNT (OR SUB-ADVISER(S), VOLATILITY FUNDS -- SERVICE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT ------------------------------------ ----------------------------------- ---------------------------------------- ------------ OPPENHEIMER GLOBAL FUND/VA The fund seeks capital - OFI Global Asset Management, - appreciation. Inc. (Investment Manager)
INVESTMENT MANAGER PIMCO VARIABLE INSURANCE TRUST -- (OR SUB-ADVISER(S), VOLATILITY ADMINISTRATIVE CLASS OBJECTIVE AS APPLICABLE) MANAGEMENT ----------------------------------- ------------------------------------- ----------------------------------------- ------------- PIMCO GLOBAL BOND Seeks maximum total return, - Pacific Investment Management (UNHEDGED) consistent with preservation of Company LLC capital and prudent investment management.
INVESTMENT MANAGER (OR SUB-ADVISER(S), VOLATILITY PROFUNDS VP -- PORTFOLIO NAME OBJECTIVE AS APPLICABLE) MANAGEMENT ------------------------------------ ----------------------------------- ---------------------------------------- ------------ PROFUND VP BEAR Seeks daily investment results, - ProFund Advisors LLC - before fees and expenses, that correspond to the inverse (-1x) of the daily performance of the S&P 500(R). PROFUND VP RISING RATES Seeks daily investment results, - ProFund Advisors LLC - OPPORTUNITY before fees and expenses, that correspond to one and one- quarter times the inverse (-1.25x) of the daily price movement of the most recently issued 30-year U.S. Treasury Bond ("Long Bond"). PROFUND VP ULTRABULL Seeks daily investment results, - ProFund Advisors LLC - before fees and expenses that correspond to two times (2x) the daily performance of the S&P 500(R).
(1) The "AXA Allocation" portfolios. ((2)) Unlike the other Portfolios, the Janus Aspen Forty Portfolio is a nondiversified, open-end management investment company. A nondiversified Portfolio may hold a larger position in a smaller number of securities than a diversified Portfolio. This means that a single security's increase or decrease in value may have a greater impact on the return and net asset value of a nondiversified fund than a diversified fund. YOU SHOULD CONSIDER THE INVESTMENT OBJECTIVES, RISKS AND CHARGES AND EXPENSES OF THE PORTFOLIOS CAREFULLY BEFORE INVESTING. SHARE CLASSES, WHERE APPLICABLE, ARE DEFINED IN THE CORRESPONDING PORTFOLIO PROSPECTUS. THE PROSPECTUSES FOR THE PORTFOLIO CONTAIN THIS AND OTHER IMPORTANT INFORMATION ABOUT THE PORTFOLIOS. THE PROSPECTUSES SHOULD BE READ CAREFULLY BEFORE INVESTING. IN ORDER TO OBTAIN COPIES OF PORTFOLIO PROSPECTUSES THAT DO NOT ACCOMPANY THIS PROSPECTUS, YOU MAY CALL ONE OF OUR CUSTOMER SERVICE REPRESENTATIVES AT 1-800-487-6669. Each Owner should periodically review their allocation of Purchase Payments and Fund Value among the subaccounts and the Guaranteed Interest Account with Market Value Adjustment in light of their current objectives, the current market conditions, and the risks of investing in each of the Portfolios. A full description of the objectives, policies, restrictions, risks and expenses for each of the Portfolios can be found in the prospectus for each of the Portfolios. 16 PURCHASE OF PORTFOLIO SHARES BY MONY AMERICA VARIABLE ACCOUNT A MONY America Variable Account A will buy and redeem shares from the Portfolios at net asset value. Shares will be redeemed when needed for the Company to: - collect charges under the Contracts; - pay Cash Value on full surrenders of the Contract; - fund partial surrenders; - provide benefits under the Contracts; and - transfer assets from one subaccount to another or between one or more subaccounts of MONY America Variable Account A and the Guaranteed Interest Account with Market Value Adjustment as requested by Owners. Any dividend or capital gain distribution received from a Portfolio will be: - reinvested immediately at net asset value in shares of that Portfolio; and - kept as assets of the corresponding subaccount. -------------------------------------------------------------------------------- CASH VALUE -- THE CONTRACT'S FUND VALUE, LESS (1) ANY APPLICABLE SURRENDER CHARGE, (2) ANY OUTSTANDING DEBT, AND (3) ANY APPLICABLE MARKET VALUE ADJUSTMENT. -------------------------------------------------------------------------------- Shares of the Portfolios are not sold directly to the general public. They are sold to the Company, and may be sold to other insurance companies that issue variable annuity and variable life insurance contracts. In addition, they may be sold to retirement plans. When a Portfolio sells shares both to variable annuity and to variable life insurance company separate accounts, it engages in mixed funding. When a Portfolio sells shares in any of its portfolios to separate accounts of unaffiliated life insurance companies, it engages in shared funding. Each Portfolio may engage in mixed and shared funding. Therefore, due to differences in redemption rates or tax treatment, or other considerations, the interests of various shareholders participating in a Portfolio could conflict. The Board of Directors or Trustees of each of the Trusts monitors the respective Trust for the existence of material irreconcilable conflict between the interests of variable annuity Owners and variable life insurance Owners. The Boards shall report any such conflict to the boards of the Company and its affiliates. The Boards of Directors of the Company and its affiliates have agreed to be responsible for reporting any potential or existing mixed and shared funding conflicts to the Directors and Trustees of each of the relevant Trusts. The Boards of Directors of the Company and its affiliates will remedy any conflict at their own cost. The remedy may include establishing a new registered management investment company and segregating the assets underlying the variable annuity contracts and the variable life insurance contracts. The investment objectives and policies of certain Portfolios are similar to the investment objectives and policies of other Portfolios that may be managed by the same investment adviser or manager. The investment results of the Portfolios, however, may be higher or lower than the results of such other Portfolios. There can be no assurance, and no representation is made that the investment results of any of the Portfolios will be comparable to the investment results of any other Portfolio, even if the other Portfolio has the same investment adviser or manager, or if the other Portfolio has a similar name. 4. DETAILED INFORMATION ABOUT THE CONTRACT The Fund Value in MONY America Variable Account A and in the Guaranteed Interest Account with Market Value Adjustment provide many of the benefits of your Contract. The information in this section describes the benefits, features, charges and major provisions of the Contract and the extent to which those depend upon the Fund Value, particularly the Fund Value in MONY America Variable Account A. There may be differences in your Contract, such as differences in fees, charges and benefits because of the state where we issued your Contract. We will include any such differences in your Contract. PAYMENT AND ALLOCATION OF PURCHASE PAYMENTS ISSUANCE OF THE CONTRACT Disclosure regarding contract issuance and minimum initial Purchase Payments is for informational purposes only. This Contract is no longer available to new purchasers. 17 The Contract is between you and the Company. The Contract is not an investment advisory account, and the Company is not providing any investment advice or managing the allocations under your Contract. In the absence of a specific written arrangement to the contrary, you as the owner of the Contract, have the sole authority to make investment allocations and other decisions under the Contract. Your AXA Advisors' financial professional is acting as a broker-dealer registered representative, and is not authorized to act as an investment advisor or to manage the allocations under your Contract. If your financial professional is a registered representative with a broker-dealer other than AXA Advisors, you should speak with him/her regarding any different arrangements that may apply. Individuals who want to buy a Contract must: (1) Complete an application; (2) Personally deliver the application to; (a) a licensed agent of the Company who is also a registered representative of AXA Advisors, LLC or AXA Distributors, LLC (together, the "Distributors") who act as the principal underwriters for the Contracts, or (b) a licensed agent who is also a registered representative of a broker dealer which had been authorized by the Distributors to sell the Contract; and (3) Pay the minimum initial Purchase Payment. If we receive a completed application and all other information necessary for processing a purchase order at our Operations Center, we will apply your initial Purchase Payment no later than two Business Days after we receive the order. While attempting to finish an incomplete application, we may hold your initial Purchase Payment for no more than five Business Days. If an incomplete application cannot be completed within those five days, we will inform you of the reasons, and will return your Purchase Payment immediately (unless you specifically authorize us to keep it until the application is complete). Once you complete your application, we must apply the initial Purchase Payment within two Business Days. We will apply any additional Purchase Payments you make on the Business Day we receive them at our Operations Center. The Contract may be used with certain tax qualified plans. The Contract includes attributes such as tax deferral on accumulated earnings. Qualified retirement plans provide their own tax deferral benefit; the purchase of this Contract does not provide additional tax deferral benefits beyond those provided in the Qualified Plan. Accordingly, if you are purchasing this Contract, you should purchase it for its death benefit, annuity benefits, and other non-tax related benefits. Please consult a tax adviser for information specific to your circumstances in order to determine whether the Contract is an appropriate investment for you. The minimum initial Purchase Payment for individuals varies depending upon the use of the Contract and the method of purchase. The chart below shows the minimum initial Purchase Payment for each situation.
USE OF CONTRACT OR METHOD OF MAKING PURCHASE PAYMENT MINIMUM INITIAL PURCHASE PAYMENT ------------------------------------------------------------------------ ------------------------------------------------------ Individual retirement accounts and annuities under Section 408 of $2,000 the Code (other than Simplified Employee Pensions), including Roth IRAs under Section 408A of the Code Non-Qualified Contracts $2,000 H.R. 10 plans (self-employedindividuals' retirement plans under $600 Section 401 of the Code), certain corporate or association retirement plans, and Simplified Employee Pensions under Section 408 of the Code Annuity purchase plans sponsored by certain tax-exempt $600 organizations, governmental entities and deferred compensation plans under Section 457 of the Code Payroll deduction and automatic checking account withdrawal Annualized rate of $600 (i.e., $600 per year, $300 plans semiannually, $150 quarterly or $ 50 per month) Government Allotment Plans $50 per month
-------------------------------------------------------------------------------- GOVERNMENT ALLOTMENT PLANS -- PAYROLL DEDUCTION PLANS USED FOR FINANCIAL PRODUCTS BY GOVERNMENT EMPLOYEES. -------------------------------------------------------------------------------- 18 Additional Purchase Payments may be made at any time before the Annuity Starting Date as long as the Annuitant is living. However, for certain automatic payment plans, the smallest additional payment is $50. The Company reserves the right to revise its rules from time to time to specify different minimum Purchase Payments for such plans. In addition, the prior approval of the Company is needed before it will accept a Purchase Payment if, with that Payment, that would cause Cumulative Purchase Payments, less any partial surrenders and their surrender charges and market value adjustment, to exceed $1,500,000. The Company reserves the right to reject an application for any reason permitted by law. Net Purchase Payments received before the Effective Date will be held in the Company's General Account and will be credited with interest at not less than 3.50% per year if: (1) the Contract is issued by the Company, and (2) the Contract is delivered to the Owner. No interest will be paid if the Contract is not issued or if it is declined by the Owner. These amounts will be held in the General Account pending end of the right to return contract period. (See below.) -------------------------------------------------------------------------------- EFFECTIVE DATE -- THE DATE THE CONTRACT BEGINS AS SHOWN IN THE CONTRACT. -------------------------------------------------------------------------------- TAX-FREE "SECTION 1035" EXCHANGES This information is no longer applicable to the purchase of these Contracts as these Contracts are no longer available to new purchasers. The Owner can generally exchange one annuity contract for another in a "tax-free exchange" under Section 1035 of the Internal Revenue Code. Similar rules may apply to changing the funding vehicle in a Qualified Plan. Before making the exchange, the Owner should compare both contracts carefully. Remember that if you exchange another contract for the one described in this prospectus, you might have to pay a surrender charge on the old contract. There will be a new surrender charge period for this Contract and other charges may be higher (or lower) and the benefits may be different. If the exchange does not qualify for Section 1035 treatment, the Owner may have to pay federal income tax, and penalty taxes on the exchange. The Owner should not exchange another contract for this one unless he or she determines, after knowing all the facts, that the exchange is in the Owner's best interest and not just better for the person trying to sell the Owner this Contract (that person will generally earn a commission if the Owner buys this Contract through an exchange or otherwise). RIGHT TO RETURN CONTRACT PROVISION This information is no longer applicable, as these contracts are no longer available to new purchasers. The Owner may return the Contract during the right to return contract period (usually within 10 days of the delivery date). The Contract must be returned to the Company or any agent of the Company. When the Company receives the Contract, it will be voided as if it were never in effect. The amount to be refunded is equal to the Purchase Payments received by the Company less any partial surrender you made. During the right to return contract period, Purchase Payments will be retained in the Company's General Account and will earn interest at a rate not less than 3.50% per year. If you have not returned the Contract at the end of the right to return contract period, we transfer the Net Purchase Payments with interest to the subaccounts and/or the Guaranteed Interest Account. For contracts issued in the State of Washington, an additional 10% penalty will be added to any Purchase Payment refund due that is not paid within 30 days of return of the Contract to the Company. For contracts issued in the State of Oklahoma, if payment is delayed more than 30 days, the Company will pay interest on the proceeds at a rate required by Oklahoma law. ALLOCATION OF PURCHASE PAYMENTS AND FUND VALUE ALLOCATION OF PAYMENTS. On the application, the Owner may allocate Net Purchase Payments to any of the available subaccounts of MONY America Variable Account A or to the Guaranteed Interest Account with Market Value Adjustment. Net Purchase Payments (and any interest thereon) are held in the General Account if they are received before the end of the right to return contract period. The Net Purchase Payments will earn interest at a rate not less than 3.50% per year beginning on the later of: (1) the Effective Date of the Contract, or (2) the date the Payment is received at the Company's Operations Center. 19 Net Purchase Payments will continue to earn 3.50% annual interest until the right to return contract period expires. (See "Right to return contract provision" above.) After the right to return contract period has expired, the Contract's Fund Value will automatically be transferred to MONY America Variable Account A subaccount(s) or to the Guaranteed Interest Account with Market Value Adjustment according to the Owner's allocation instructions. After the right to return contract period ends, under a non-automatic payment plan, if the Owner does not: (1) specify the amount to be allocated among subaccounts, or (2) specify the percentage to be allocated among subaccounts, or (3) the amount or percentage specified is incorrect or incomplete, the Net Purchase Payments will be allocated under the Owner's most recent instructions on record with the Company. The percentage specified must not be less than 10% of the Net Purchase Payment. For automatic payment plans, Net Purchase Payments will be allocated according to the Owner's most recent instructions on record. The Owner may change the specified allocation formula for future Net Purchase Payments at any time without charge by sending written notification to the Company at the Operations Center. Prior allocation instructions may also be changed by telephone or fax subject to the rules of the Company and its right to terminate or modify telephone or fax allocation. The Company reserves the right to deny any telephone or fax allocation request. (See "Telephone/fax transactions.") Any such change, whether made in writing or by telephone or fax, will be effective within 7 days of the date we receive notice of the change. Net Purchase Payments may be allocated in whole percentages to any of the available subaccounts and to the Guaranteed Interest Account. Allocations must be in whole percentages, and no allocation may be for less than 10% of a Net Purchase Payment. Allocation percentages must total 100%. Contracts issued in the states of Maryland, New Jersey, Oklahoma, Oregon, South Carolina, Texas and Washington and the Commonwealths of Massachusetts and Pennsylvania must maintain a minimum Fund Value balance of $2,500 in the Guaranteed Interest Account when an allocation to said account is chosen. CALCULATING UNIT VALUES FOR EACH SUBACCOUNT When allocated Purchase Payments are received they are credited to subaccounts of MONY America Variable Account A in the form of units. The number of units is determined by dividing the dollar amount allocated to a particular subaccount by the unit value for that subaccount for the Business Day on which the Purchase Payment is received. To determine the unit value of a subaccount on each Business Day, the Company takes the prior Business Day's unit value and multiplies it by the Net Investment Factor for the current Business Day. The Net Investment Factor is used to measure the investment performance of a subaccount from one Business Day to the next. The Net Investment Factor for each subaccount equals: (1) the net asset value per share of each Portfolio held in the subaccount at the end of the current Business Day divided by (2) the net asset value per share of each Portfolio held in the subaccount at the end of the prior Business day, minus (3) the daily mortality and expense risk charge and any other applicable charges adjusted for the number of calendar days in the period. The unit value of these subaccounts may increase, decrease or remain the same from Business Day to Business Day. The unit value depends on the investment performance of the portfolio of the Portfolio in which the subaccount invests and any expenses and charges deducted from MONY America Variable Account A. The Owner bears the entire investment risk. Owners should periodically review their allocations of payments and values in light of market conditions and overall financial planning requirements. CALCULATION OF GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT FUND VALUE Net Purchase Payments to be allocated to the Guaranteed Interest Account with Market Value Adjustment will be credited to the Accumulation Period chosen by the Owner on: (1) the date received at the Operations Center, or (2) if the day Net Purchase Payments are received is not a Business Day, then on the next Business Day. Interest will be credited daily. 20 CALCULATION OF FUND VALUE The Contract's Fund Value will reflect: - The investment performance of the selected subaccount(s) of MONY America Variable Account A; - Amounts credited (including interest) to the Guaranteed Interest Account with Market Value Adjustment; - Any amount in the loan account; - Any Net Purchase Payments; - Any transfer charges; - Any partial surrenders; and - All contract charges (including surrender charges and market value adjustments) imposed. There is no guaranteed minimum Fund Value, except to the extent Net Purchase Payments have been allocated to the Guaranteed Interest Account with Market Value Adjustment. Because a Contract's Fund Value at any future date will be dependent on a number of variables, it cannot be predetermined. The Fund Value will be computed first on the Effective Date and thereafter on each Business Day. On the Effective Date, the Contract's Fund Value will be the Net Purchase Payments received plus any interest credited on those Payments during the period when Net Purchase Payments are held in the General Account. (See "Issuance of the Contract.") After amounts allocated to the subaccounts are transferred from the General Account to MONY America Variable Account A, on each Business Day, the Contract's Fund Value will be computed as follows: (1) Determine the aggregate of the Fund Values attributable to the Contract in each of the subaccounts on that Business Day. This is done by multiplying the subaccount's unit value on that date by the number of subaccount units allocated to the Contract. The computation of the Contract's Fund Value in the subaccount is done before any other Contract transactions on that Business Day. (2) Add any amount credited to the Guaranteed Interest Account with Market Value Adjustment before that Business Day. This amount is the aggregate of all Net Purchase Payments allocated to the Guaranteed Interest Account with Market Value Adjustment and: - The addition of any interest credited. - Addition or subtraction of any amounts transferred. - Subtraction of any partial surrenders. - Subtraction of any contract charges, surrender charges, transfer charges, and any Market Value Adjustments (3) Add the value held in the loan account to secure contract loans and interest credited on that day on that amount; (4) Add any Net Purchase Payment received on that Business Day; (5) Subtract any partial surrender amount (reflecting any surrender charge and Market Value Adjustment) made on that Business Day; (6) Subtract any annual contract charge and/or transfer charge deductible on that Business Day. Regarding (1) above, for each subaccount we multiply the number of units credited to that subaccount by its unit value on that Business Day. The multiplication is done BEFORE the purchase or redemption of any units on that Business Day. If a transaction would ordinarily require that the Contract's Fund Value be computed for a day that is not a Business Day, the next following Business Day will be used. TRANSFERS. You may transfer the value of the Contract among the subaccounts after the right to return contract period has expired by sending a proper written request to the Company's Operations Center. Transfers may be made by telephone or fax if you have proper authorization. (See "Telephone/fax transactions.") Transfers from a subaccount will be executed at the net asset value next calculated by the Company if the transfer instruction is received and acknowledged by 4:00 p.m., Eastern Time on a day on which the New York Stock Exchange is open for business (or as of an earlier close of regular trading). If the New York Stock Exchange is not open for business on the day of 21 receipt, the transfer instruction will be executed at the net asset value calculated at the close of business on the first day thereafter on which the New York Stock Exchange is open for business. Such transfers are subject to the Company's rules and conditions for such privilege. Currently, there are no limitations on the number of transfers between subaccounts. Our current transfer restrictions are set forth in the "Disruptive transfer activity" section below. Transfers among, to and from subaccounts may be postponed for any period during which: (1) the New York Stock Exchange is closed other than customary weekend and holiday closings, or (2) trading on the New York Stock Exchange is restricted as determined by the Securities and Exchange Commission, or (3) an emergency exists as a result of which disposal of securities held by the Portfolio is not reasonably practicable or it is not reasonably practicable to determine the value of the net assets of the Portfolio . A transfer charge is not currently imposed on transfers. (See "Charges against Fund Value -- Transfer charge.") However, the Company reserves the right to impose a charge which will not exceed $25 per transfer (except for contracts issued in the states of South Carolina and Texas where it will not exceed $10). If imposed the charge will be deducted from the first subaccount(s) or the Guaranteed Interest Account with Market Value Adjustment Accumulation Period you designate funds to be transferred from. This charge is in addition to the amount transferred. All transfers in a single request are treated as one transfer transaction. A transfer resulting from the first reallocation of Fund Value at the end of the right to return contract period and transfers made at the end of an Accumulation Period of amounts allocated to the Guaranteed Interest Account with Market Value Adjustment (see below) will not be subject to a transfer charge. Under present law, transfers are not taxable transactions. -------------------------------------------------------------------------------- EFFECTIVE DATE -- THE DATE SHOWN AS THE EFFECTIVE DATE OF THE CONTRACT. -------------------------------------------------------------------------------- TRANSFERS INVOLVING THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT. Transfers may be made from the Guaranteed Interest Account with Market Value Adjustment at any time, but, if they are made before the end of the 3, 5, 7, or 10 year accumulation period there will be a market value adjustment for contracts issued in most states. If the transfer request is received within 30 days before the end of the Accumulation Period, no market value adjustment will apply. Contracts issued in Maryland, New Jersey, Oklahoma, South Carolina, Texas and Washington and the Commonwealths of Massachusetts and Pennsylvania, to the extent the Owner allocates investments to the Guaranteed Interest Account, must maintain a minimum Fund Value in the Guaranteed Interest Account of $2,500. Please see "Payment and allocation of Purchase Payments" earlier in this section for more information about your role in managing your allocations. PORTFOLIO REBALANCING Our portfolio rebalancing program can help prevent a well-conceived investment strategy from becoming diluted over time. Investment performance will likely cause the allocation percentages you originally selected to shift. With this program, you may instruct us to periodically reallocate values in your Contract. The program does not guarantee an investment gain or protect against an investment loss. You may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Requesting a transfer while enrolled in our rebalancing program will automatically terminate your participation in the program. This means that your account will no longer be rebalanced on a periodic basis. You must provide us with written instructions if you wish your account to be rebalanced in the future. TELEPHONE/FAX TRANSACTIONS Prior allocation instructions may be changed or transfers requested by telephone or fax subject to the Company's guidelines (which we believe to be reasonable) and the Company's right to modify or terminate the telephone/fax privilege. The Company reserves the right to deny any telephone or fax request. If all telephone lines are busy (for example, during periods of substantial market fluctuations), Owners may be unable to request telephone or fax allocation changes or transfers by telephone or fax. In such cases, an Owner would submit a written request. 22 We have adopted guidelines relating to changes of allocations and transfers by telephone or fax which, among other things, outlines procedures designed to prevent unauthorized instructions. If the Owner does not follow these procedures: (1) the Company shall not be liable for any loss as a result of following fraudulent telephone or fax instructions; and (2) the Owner will, therefore, bear the entire risk of loss due to fraudulent telephone or fax instructions. A copy of the guidelines and our form for electing telephone/fax transfer privileges is available from your financial professional or by calling us at 1-800-487-6669, Monday through Thursday, 8 AM to 7 PM, Eastern Time, and Friday, 8 a.m. to 5 p.m., Eastern Time. The telephone or fax allocation and transfer privileges may also be elected by completing the telephone or fax authorization. The Company's form or a Contract application with a completed telephone or fax authorization must be signed and received at the Company's Operations Center before telephone or fax allocation instructions will be accepted. SPECIAL NOTE ON RELIABILITY. Please note that our telephone system may not always be available. Any system, whether it is yours, your service provider's, or your registered representative's, can experience unscheduled outages or slowdowns for a variety of reasons. These outages or slowdowns may delay or prevent our processing of your request. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability under all circumstances. If you are experiencing problems, you can make your transactions by writing our Operations Center. DISRUPTIVE TRANSFER ACTIVITY You should note that the Contract is not designed for professional "market timing" organizations, or other organizations or individuals engaging in a market timing strategy. The Contract is not designed to accommodate programmed transfers, frequent transfers or transfers that are large in relation to the total assets of the underlying Portfolio. Frequent transfers, including market timing and other program trading or short-term trading strategies, may be disruptive to the underlying Portfolios in which the subaccounts invest. Disruptive transfer activity may adversely affect performance and the interests of long-term investors by requiring a Portfolio to maintain larger amounts of cash or to liquidate Portfolio holdings at a disadvantageous time or price. For example, when market timing occurs, a Portfolio may have to sell its holdings to have the cash necessary to redeem the market timer's investment. This can happen when it is not advantageous to sell any securities, so the Portfolio's performance may be hurt. When large dollar amounts are involved, market timing can also make it difficult to use long-term investment strategies because a Portfolio cannot predict how much cash it will have to invest. In addition, disruptive transfers or purchases and redemptions of Portfolio investments may impede efficient Portfolio management and impose increased transaction costs, such as brokerage costs, by requiring the Portfolio manager to effect more frequent purchases and sales of Portfolio securities. Similarly, a Portfolio may bear increased administrative costs as a result of the asset level and investment volatility that accompanies patterns of excessive or short-term trading. Portfolios that invest a significant portion of their assets in foreign securities or the securities of small- and mid-capitalization companies tend to be subject to the risks associated with market timing and short-term trading strategies to a greater extent than Portfolios that do not. Securities trading in overseas markets present time zone arbitrage opportunities when events affecting Portfolio securities values occur after the close of the overseas market but prior to the close of the U.S. markets. Securities of small- and mid-capitalization companies present arbitrage opportunities because the market for such securities may be less liquid than the market for securities of larger companies, which could result in pricing inefficiencies. Please see the prospectuses for the underlying Portfolios for more information on how Portfolio shares are priced. We currently use the procedures described below to discourage disruptive transfer activity. You should understand, however, that these procedures are subject to the following limitations: (1) they primarily rely on the policies and procedures implemented by the underlying Portfolios; (2) they do not eliminate the possibility that disruptive transfer activity, including market timing, will occur or that Portfolio performance will be affected by such activity; and (3) the design of market timing procedures involves inherently subjective judgments, which we seek to make in a fair and reasonable manner consistent with the interests of all policy and contract owners. We offer subaccounts with underlying Portfolios that are part of the AXA Premier VIP Trust and EQ Advisors Trust, as well as subaccounts with underlying Portfolios of outside trusts with which AXA Equitable has entered participation agreements (the "unaffiliated trusts" and, collectively with AXA Premier VIP Trust and EQ Advisors Trust, the "Trusts"). The Trusts have adopted policies and procedures regarding disruptive transfer activity. They discourage frequent 23 purchases and redemptions of Portfolio shares and will not make special arrangements to accommodate such transactions. They aggregate inflows and outflows for each Portfolio on a daily basis. On any day when a Portfolio's net inflows or outflows exceed an established monitoring threshold, the Trust obtains from us contract owner trading activity. The affiliated Trusts currently consider transfers into and out of (or vice versa) the same subaccount within a five business day period as potentially disruptive transfer activity. When a Contract is identified in connection with potentially disruptive transfer activity for the first time, a letter is sent to the Contract owner explaining that there is a policy against disruptive transfer activity and that if such activity continues certain transfer privileges may be eliminated. If and when the contract owner is identified a second time as engaged in potentially disruptive transfer activity under the Contract, we currently prohibit the use of voice, fax and automated transaction services. We currently apply such action for the remaining life of each affected contract. We or a trust may change the definition of potentially disruptive transfer activity, the monitoring procedures and thresholds, any notification procedures, and the procedures to restrict this activity. Any new or revised policies and procedures will apply to all contract owners uniformly. We do not permit exceptions to our policies restricting disruptive transfer activity. Each unaffiliated trust may have its own policies and procedures regarding disruptive transfer activity. If an unaffiliated trust advises us that there may be disruptive activity from one of our contract owners, we will work with the unaffiliated trust to review contract owner trading activity. Each Trust reserves the right to reject a transfer that it believes, in its sole discretion, is disruptive (or potentially disruptive) to the management of one of its Portfolios. Please see the prospectuses for the Trusts for more information. It is possible that a Trust may impose a redemption fee designed to discourage frequent or disruptive trading by Contract owners. As of the date of this prospectus, the Trusts had not implemented such a fee. If a redemption fee is implemented by a Trust, that fee, like any other trust fee, will be borne by the Contract owner. Contract owners should note that it is not always possible for us and the Trusts to identify and prevent disruptive transfer activity. In addition, because we do not monitor for all frequent trading at the separate account level, contract owners may engage in frequent trading which may not be detected, for example, due to low net inflows or outflows on the particular day(s). Therefore, no assurance can be given that we or the Trusts will successfully impose restrictions on all potentially disruptive transfers. Because there is no guarantee that disruptive trading will be stopped, some Contract owners may be treated differently than others, resulting in the risk that some Contract owners may be able to engage in frequent transfer activity while others will bear the effect of that frequent transfer activity. The potential effects of frequent transfer activity are discussed above. TERMINATION OF THE CONTRACT The Contract will remain in effect until the earlier of: (1) the date the Contract is surrendered in full, (2) the Annuity Starting Date, (3) the Contract Anniversary on which, after deduction for any annual contract charge then due, no Fund Value in the subaccounts and the Guaranteed Interest Account with Market Value Adjustment remains in the Contract, or (4) the date the death benefit is payable under the Contract. Your Contract must be annuitized or surrendered for a lump sum by no later than the Contract Anniversary following the Annuitant's 95th birthday. No death benefit will be payable except, if annuitized, as provided under the settlement option elected. 5. SURRENDERS The Owner may elect to make a surrender of all or part of the Contract's Fund Value provided it is: - on or before the Annuity Starting Date, and - during the lifetime of the Annuitant. Any such election shall specify the amount of the surrender. The surrender will be effective on the date a proper written request is received by the Company at its Operations Center. The amount of the surrender may be equal to the Contract's Cash Value, which is its Fund Value less: (1) any applicable surrender charge, 24 (2) any applicable Market Value Adjustment, and (3) any outstanding debt. The Surrender may also be for a lesser amount (a "partial surrender"). Requested partial surrenders that would leave a Cash Value of less than $1,000 are treated and processed as a full surrender. In such case, the entire Cash Value will be paid to the Owner. For a partial surrender, any surrender charge or any applicable market value adjustment will be in addition to the amount requested by the Owner. A surrender will result in the cancellation of units of the particular subaccounts and the withdrawal of amounts credited to the Guaranteed Interest Account Accumulation Periods as chosen by the Owner. The aggregate value of the surrender will be equal to the dollar amount of the surrender plus, if applicable, any surrender charge and any applicable market value adjustment. For a partial surrender, the Company will cancel Units of the particular subaccounts and withdraw amounts from the Guaranteed Interest Account with Market Value Adjustment Accumulation Period under the allocation specified by the Owner. The unit value will be calculated as of the Business Day the surrender request is received. Allocations may be by either amount or percentage. Allocations by percentage must be in whole percentages (totaling 100%). At least 10% of the partial surrender must be allocated to any subaccount or an Accumulation Period in the Guaranteed Interest Account with Market Value Adjustment designated by the Owner. The request will not be accepted if: - there is insufficient Fund Value in the Guaranteed Interest Account with Market Value Adjustment or a subaccount to provide for the requested allocation against it, or - the request is incomplete or incorrect. Any surrender charge will be allocated against the Guaranteed Interest Account with Market Value Adjustment and each subaccount in the same proportion that each allocation bears to the total amount of the partial surrender. Contracts issued in the States of Maryland, New Jersey, Oklahoma, South Carolina, Texas and Washington and the Commonwealths of Massachusetts and Pennsylvania, to the extent the Owner allocates investments to the Guaranteed Interest Account, must maintain a minimum Fund Value in the Guaranteed Interest Account of $2,500. The amount of any surrender or transfer payable from MONY America Variable Account A will be paid in accordance with the requirements of state insurance departments and the 1940 Act. However, the Company may be permitted to postpone such payment under the 1940 Act. Postponement is currently permissible only for any period during which: (1) the New York Stock Exchange is closed other than customary weekend and holiday closings, or (2) trading on the New York Stock Exchange is restricted as determined by the Securities and Exchange Commission, or (3) an emergency exists as a result of which disposal of securities held by the Portfolio is not reasonably practicable or it is not reasonably practicable to determine the value of the net assets of the Portfolio. Any surrender involving payment from amounts credited to the Guaranteed Interest Account with Market Value Adjustment may be postponed, at the option of the Company, for up to 6 months from the date the request for a surrender is received by the Company. Surrenders involving payment from the Guaranteed Interest Account with Market Value Adjustment may in certain circumstances and in certain states also be subject to a market value adjustment, in addition to a surrender charge. The Owner may elect to have the amount of a surrender settled under one of the settlement options of the Contract. (See "Annuity provisions".) Contracts offered by this prospectus may be issued in connection with retirement plans meeting the requirements of certain sections of the Internal Revenue Code. Owners should refer to the terms of their particular retirement plan for any limitations or restrictions on cash surrenders. The tax results of a surrender should be carefully considered. (See "Federal tax status".) Please note: if mandated under applicable law, we may be required to reject a Purchase Payment. In addition, we may also be required to block an Owner's account and thereby refuse to honor any request for transfers, partial surrenders, loans, or death benefits until instructions are secured from the appropriate regulator. We may be required to provide additional information about your account to government regulators. 6. LOANS Qualified Contracts issued under an Internal Revenue Code Section 401(k) plan will have a loan provision (except in the case of contracts issued in Vermont) under which a loan can be taken using the Contract as collateral for the loan. 25 All of the following conditions apply in order for the amount to be considered a loan, rather than a (taxable) partial surrender: - The term of the loan generally must be 5 years or less. - Repayments are required at least quarterly and must be substantially level. - The loan amount is limited to certain dollar amounts as specified by the IRS. The Owner (Plan Trustee) must certify that these conditions are satisfied. Loans could have tax consequences. (See "Federal tax status.") In any event, the maximum outstanding loan on a Contract is 50% of the Fund Value in the subaccounts and/or the Guaranteed Interest Account with Market Value Adjustment. Loans are not permitted before the end of the right to return contract period. In requesting a loan, the Owner must specify the subaccounts from which Fund Value equal to the amount of the loan requested will be taken. Loans from the Guaranteed Interest Account with Market Value Adjustment are not taken until Fund Value in the subaccounts is exhausted. If Fund Value must be taken from the Guaranteed Interest Account with Market Value Adjustment in order to provide the Owner with the amount of the loan requested, the Owner must specify the Accumulation Periods from which Fund Values equal to such amount will be taken. If the Owner fails to specify subaccounts and Accumulation Periods, the request for a loan will be returned to the Owner. Values are transferred to a loan account that earns interest at an annual rate of 3.50%. The annual loan interest rate charged on outstanding loan amounts will be 6%. If interest is not repaid each year, it will be added to the principal of the loan. Loan repayments must be specifically earmarked as loan repayment and will be allocated to the subaccounts and/or the Guaranteed Interest Account with Market Value Adjustment using the most recent payment allocation on record. Otherwise, we will treat the payment as a Net Purchase Payment. -------------------------------------------------------------------------------- LOAN -- AVAILABLE UNDER A CONTRACT ISSUED UNDER SECTION 401(K) OF THE CODE; SUBJECT TO AVAILABILITY. TO BE CONSIDERED A LOAN: (1) THE TERM MUST BE NO MORE THAN FIVE YEARS, (2) REPAYMENTS MUST BE AT LEAST QUARTERLY AND SUBSTANTIALLY LEVEL, AND (3) THE AMOUNT IS LIMITED TO DOLLAR AMOUNTS SPECIFIED BY THE CODE, NOT TO EXCEED 50% OF THE FUND VALUE. LOAN ACCOUNT -- A PART OF THE GENERAL ACCOUNT WHERE FUND VALUE IS HELD AS COLLATERAL FOR A LOAN. AN OWNER MAY TRANSFER FUND VALUE IN THE SUBACCOUNTS, AND/OR GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT TO THE LOAN ACCOUNT. -------------------------------------------------------------------------------- 7. DEATH BENEFIT DEATH BENEFIT PROVIDED BY THE CONTRACT The Company will pay a death benefit to the Beneficiary if: (1) the Annuitant dies, and (2) the death occurs before the Annuity Starting Date. The amount of the death benefit will be the greater of: (1) the Fund Value less any outstanding debt on the date of the Annuitant's death; (2) the Purchase Payments paid, less any partial surrenders and their surrender charges and market value adjustment and less any outstanding debt; or (3) an enhanced death benefit. If there are funds allocated to the Guaranteed Interest Account with market value adjustment at the time of death, any applicable market value adjustment will be waived. If the death of the Annuitant occurs on or after the Annuity Starting Date, no death benefit will be payable except as may be provided under the settlement option elected. In general, on the death of any Owner amounts must be distributed from the Contract as required by Section 72(s) of the Code. (See "Provisions required by Section 72(s) of the Code" later in this prospectus.) In cases where an Owner who is not the Annuitant dies, we will impose applicable surrender charges. (See "Charges and deductions" later in this prospectus.) 26 ENHANCED DEATH BENEFIT OPTIONS Your Contract provides a choice of two enhanced death benefit options when it is issued. If the Annuitant is age 0-75, the Owner may choose either enhanced death benefit -- 5 Year or enhanced death benefit -- 1 Year described below. If the Annuitant does not choose an option when the Contract is issued, the Annuitant will automatically receive the enhanced death benefit -- 5 Year. If your Contract was issued on or before August 16, 2000, you may have elected the enhanced death benefit -- 1 Year during the period from August 16, 2000 to September 22, 2000. Owners with these Contracts not making the election will retain the enhanced death benefit -- 5 Year. ENHANCED DEATH BENEFIT -- 5 YEAR On the 5th Contract anniversary and each subsequent 5th Contract anniversary prior to the Annuitant's 71st birthday, the enhanced death benefit may be increased. If the Annuitant is age 65 or over on the date of issue, the enhanced death benefit will be recalculated once on the 5th Contract anniversary. Thereafter the enhanced death benefit remains at its last value. ENHANCED DEATH BENEFIT -- 1 YEAR On the first Contract Anniversary and each subsequent Contract Anniversary prior to the Annuitant's 80th birthday, the enhanced death benefit may be increased. After the Annuitant reaches age 80, this enhanced death benefit provision expires. This option may not be currently available in all states. AMOUNT OF THE ENHANCED DEATH BENEFIT PAYABLE ON DEATH UNDER ENHANCED DEATH BENEFIT OPTIONS The recalculated enhanced death benefit is equal to the greater of: (1) the Fund Value on the date the enhanced death benefit is to be recalculated; and (2) the current enhanced death benefit proportionately reduced by any partial surrenders including surrender charges and any applicable market value adjustments assessed since the last recalculation of the enhanced death benefit. The enhanced death benefit payable under both enhanced death benefit options is the enhanced death benefit on the date of death of the Annuitant, reduced proportionately for each partial surrender (including surrender charges and market value adjustments, if applicable) since the last recalculation date and less any outstanding debt. In no event will the enhanced death benefit payable on death exceed 200% of: - the total Purchase Payments reduced proportionately for each partial surrender (including surrender charges and applicable market value adjustments,), and LESS - any outstanding debt. The proportionate reduction for each partial surrender will be equal to: (1) the amount of that partial surrender (including any surrender charges and applicable Market Value Adjustment assessed), DIVIDED BY (2) the Fund Value immediately before that partial surrender, MULTIPLIED BY, (3) the enhanced death benefit immediately before the surrender. Once the last value is set for the enhanced death benefit, it will not be recalculated. The last value is set for the 5 Year option prior to the Annuitant's 71st birthday or on the first 5th anniversary if the Contract is purchased on or after the Annuitant's age 65. The last value is set for the 1 Year option on the Contract Anniversary prior to the Annuitant's age 80. After the Annuitant reaches age 80, this enhanced death benefit provision expires. All other basic death benefits as described in this prospectus continue to apply. The largest death benefit under any of these provisions will be paid. The cost of an enhanced death benefit option is reflected in the mortality and expense risk charge. ELECTION AND EFFECTIVE DATE OF ELECTION The Owner may elect to have the death benefit of the Contract applied under one of four settlement options to effect an annuity for the Beneficiary as payee after the death of the Annuitant. The election must take place: (1) during the lifetime of the Annuitant, and (2) before the Annuity Starting Date. 27 If no election of a settlement option for the death benefit is in effect on the date when proceeds become payable, the Beneficiary may elect: (1) to receive the death benefit in the form of a lump sum payment; or (2) to have the death benefit applied under one of the settlement options. (See "Settlement options.") If an election by the payee is not received by the Company within one month following the date proceeds become payable, the payee will be considered to have elected a lump sum payment. Either election described above may be made by filing a written election with the Company in such form as it may require. Any proper election of a method of settlement of the death benefit by the Owner will become effective on the date it is signed. However, any election will be subject to any payment made or action taken by the Company before receipt of the notice at the Company's Operations Center. Settlement option availability may be restricted by the terms of any applicable retirement plan and any applicable legislation for any limitations or restrictions on the election of a method of settlement and payment of the death benefit. PAYMENT OF DEATH BENEFIT If the death benefit is to be paid in one sum to the Beneficiary, payment will be made within seven (7) days of the date: (1) the election becomes effective, or (2) the election is considered to become effective, and (3) due proof of death of the Annuitant is received. The Company may be permitted to postpone such payment from amounts payable from MONY America Variable Account A under the 1940 Act. If the death benefit is to be paid in one sum to the Successor Beneficiary, or to the estate of the deceased Annuitant, payment will be made within seven (7) days of the date due proof of the death of the Annuitant and the Beneficiary is received by the Company. Unless another election is made, the death benefit proceeds will be transferred to an interest bearing checking account. The Beneficiary may make partial or full withdrawals from such account through a checkbook provided to the Beneficiary. 8. CHARGES AND DEDUCTIONS The following table summarizes the charges and deductions under the Contract (See "Summary of the Contract -- Fee tables" for more detailed information):
DEDUCTIONS FROM PURCHASE PAYMENTS -------------------------------------------------------------------------------------------------------------------------- TAX CHARGE RANGE FOR STATE AND LOCAL -- 0%-3.50%(1). FEDERAL -- Currently 0% (Company reserves the right to charge in the future.)
DAILY DEDUCTIONS FROM MONY AMERICA VARIABLE ACCOUNT A -------------------------------------------------------------------------------------------------------------- MORTALITY & EXPENSE RISK CHARGE Maximum daily rate -- 0.003699% Annual Rate deducted daily from average daily net assets Maximum annual rate -- 1.35%
DEDUCTIONS FROM FUND VALUE -------------------------------------------------------------------------------------------------------------------------- ANNUAL CONTRACT CHARGE Maximum of $50 ($30 in some states) on 30 days written notice Current charge is $0 -------------------------------------------------------------------------------------------------------------------------- TRANSACTION AND OTHER CHARGES Maximum of $25 Transfer charge Current charge is $0 -------------------------------------------------------------------------------------------------------------------------- SURRENDER CHARGE See grading schedule and "Charges and Grades from 7% to 0% of Fund Value surrendered based on a deductions -- Charges against fund value" for schedule. details of how it is computed. -------------------------------------------------------------------------------------------------------------------------- LOAN INTEREST SPREAD 2.50% --------------------------------------------------------------------------------------------------------------------------
(1) Company currently assumes responsibility; current charge to Owner 0%. 28 The following provides additional details of the charges and deductions under the Contract. The amount of the charge may not necessarily correspond to the costs associated with providing the services or benefits indicated by the designation of the charge. For example, the surrender charge we collect may not fully cover all of the sales and distribution expenses we actually incur. We also may realize a profit on one or more of the charges. We may use such profits for any corporate purpose, including the payment of sales expenses. DEDUCTIONS FROM PURCHASE PAYMENTS Deductions may be made from Purchase Payments for a charge for state and local premium or similar taxes prior to allocation of any Net Purchase Payment among the subaccounts. Currently, the Company makes no deduction, but may do so with respect to future Purchase Payments. If the Company is going to make deductions for such tax from future Purchase Payments, it will give 30 days notice to each affected Owner. CHARGES AGAINST FUND VALUE DAILY DEDUCTION FROM MONY AMERICA VARIABLE ACCOUNT A MORTALITY AND EXPENSE RISK CHARGE. The Company assumes mortality and expense risks. A charge for assuming such risks is deducted daily from the net assets of MONY America Variable Account A. This daily charge from MONY America Variable Account A is deducted at a current daily rate equivalent to an annual rate of 1.35% from the value of the net assets of MONY America Variable Account A. The rate is guaranteed not to exceed a daily rate equivalent to an annual rate of 1.35% from the value of the net assets of MONY America Variable Account A. The charge is deducted from MONY America Variable Account A, and therefore the subaccounts, on each Business Day. The mortality and expense risk charges will not be deducted from the Guaranteed Interest Account with Market Value Adjustment. Where the previous day (or days) was not a Business Day, the deduction currently on the next Business Day will be 0.003699% (guaranteed not to exceed 0.003699%) multiplied by the number of days since the last Business Day. The Company believes that this level of charge is within the range of industry practice for comparable individual flexible payment variable annuity contracts. The mortality risk assumed by the Company is that Annuitants may live for a longer time than projected. If that occurs, an aggregate amount of annuity benefits greater than that projected will be payable. In making this projection, the Company has used the mortality rates from the 1983 Table "a" (discrete functions without projections for future mortality), with 3.50% interest. The expense risk assumed is that expenses incurred in issuing and administering the Contracts will exceed the administrative charges provided in the Contracts. A portion of this charge is used to cover our expenses in connection with the Enhanced death benefits. If the amount of the charge exceeds the amount needed, the excess will be kept by the Company in its General Account. If the amount of the charge is inadequate, the Company will pay the difference out of its General Account. DEDUCTIONS FROM FUND VALUE ANNUAL CONTRACT CHARGE. The Company has primary responsibility for the administration of the Contract and MONY America Variable Account A. An annual contract charge helps to reimburse the Company for administrative expenses related to the maintenance of the Contract. Ordinary administrative expenses expected to be incurred include premium collection, recordkeeping, processing death benefit claims and surrenders, preparing and mailing reports, and overhead costs. In addition, the Company expects to incur certain additional administrative expenses in connection with the issuance of the Contract, including the review of applications and the establishment of Contract records. The Company intends to administer the Contract itself through an arrangement whereby it may buy some administrative services from AXA Equitable and such other sources as may be available. Currently, there is no annual contract charge. The Company may in the future impose an annual contract charge. The charge will never, however, exceed $50. The Owner will receive a written notice 30 days in advance of any change in the charge. Any applicable charge will be assessed once per year on the Contract Anniversary, starting on the first Contract Anniversary. If imposed, the annual contract charge is deducted from the Fund Value on each Contract Anniversary before the Annuity Starting Date. 29 The amount of the charge will be allocated against the Guaranteed Interest Account with Market Value Adjustment and each subaccount of MONY America Variable Account A in the same proportion that the Fund Value in those accounts bears to the Fund Value of the Contract. The Company does not expect to make any profit from the annual contract charge. TRANSFER CHARGE. Fund Value may be transferred among the subaccounts or to or from the Guaranteed Interest Account with Market Value Adjustment and one or more of the subaccounts (including transfers made by telephone, if permitted by the Company). The Company reserves the right to impose a transfer charge for each transfer instructed by the Owner in a Contract Year. The transfer charge compensates the Company for the costs of effecting the transfer. The transfer charge will not exceed $25 (except for contracts issued in the states of South Carolina and Texas where it will not exceed $10). The Company does not expect to make a profit from the transfer charge. If imposed, the transfer charge will be deducted from the Contract's Fund Value held in the subaccount(s) or from the Guaranteed Interest Account with Market Value Adjustment from which the first transfer is made. SURRENDER CHARGE. A contingent deferred sales charge (called a "surrender charge") will be imposed when a full or partial surrender is requested or at the start of annuity benefits if it is during the first eight years of the Contract. The surrender charge will never exceed 7% of total Fund Value. The surrender charge is intended to reimburse the Company for expenses incurred in distributing the Contract. To the extent such charge is insufficient to cover all distribution costs, the Company will make up the difference. The Company will use funds from its General Account, which may contain funds deducted from MONY America Variable Account A to cover mortality and expense risks borne by the Company. (See "Charges against Fund Value -- Mortality and expense risk charge.") We impose a surrender charge when a full or partial surrender is made during the first eight (8) Contract Years, except as provided below. A surrender charge will not be imposed: (1) Against Fund Value surrendered after the eighth Contract Year. (2) To the extent necessary to permit the Owner to obtain an amount equal to the free partial surrender amount (See "Free partial surrender amount"). (3) If the Contract is surrendered after the third Contract Year and the surrender proceeds are paid under either Settlement Option 3 or Settlement Option 3A (See "Settlement options"). The elimination of a Surrender Charge in this situation does not apply to contracts issued in the State of Texas. In no event will the aggregate surrender charge exceed 7% of the Fund Value. Further, in no event will the surrender charges imposed, when added to any surrender charges previously paid on the Contract, exceed 9% of aggregate Purchase Payments made to date for the Contract. The Owner may specify whether he/she wants the surrender charge to be deducted from the amount requested for surrender or the Fund Value remaining. If not specified or if the Fund Value remaining is not sufficient, then the surrender charge will be deducted from the amount requested for surrender. If it is specified that the surrender charge will come from the remaining Fund Value and it is sufficient, then the Company will determine the appropriate amount to be surrendered in order to pay the surrender charge. Any surrender charge will be allocated against the Guaranteed Interest Account with Market Value Adjustment and each subaccount of MONY America Variable Account A in the same proportion that the amount of the partial surrender allocated against those accounts bears to the total amount of the partial surrender. If any surrender from the Guaranteed Interest Account with Market Value Adjustment occurs prior to the Maturity Date for any particular Accumulation Period elected by the Owner, the amount surrendered will be subject to a Market Value Adjustment in addition to Surrender Charges. No surrender charge will be deducted from Death Benefits except as described in "Death benefit." If The MONYMaster variable annuity contract issued by MONY Life Insurance Company of America has been exchanged for this Contract, a separate effective date was assigned to this Contract by endorsement for purposes of determining the amount of any surrender charge. The surrender charge effective date of this Contract with the endorsement is the effective date of The MONYMaster variable annuity contract. Your agent can provide further details. A separate surrender charge effective date does not apply in states where the endorsement has not been approved. We reserve the right to disallow exchanges for this Contract at any time. 30 AMOUNT OF SURRENDER CHARGE. The amount of the surrender charge is equal to a varying percentage of Fund Value during the first 8 Contract Years. The percentage is determined by multiplying the surrender charge percentage for the Contract Year by the amount of Fund Value requested as follows:
SURRENDER CHARGE PERCENTAGE TABLE ---------------------------------------------- SURRENDER CHARGE (AS A PERCENTAGE OF CONTRACT YEAR FUND VALUE SURRENDERED) -------------- ----------------------- 1 7% 2 7 3 6 4 6 5 5 6 4 7 3 8 2 9 (or more) 0
The amount of the surrender charge is in addition to any applicable Market Value Adjustment that may be made if the surrender is made from Fund Value in the Guaranteed Interest Account with Market Value Adjustment. (See the prospectus for the Guaranteed Interest Account with Market Value Adjustment which accompanies this prospectus for further details.) FREE PARTIAL SURRENDER AMOUNT. The surrender charge may be reduced by using the free partial surrender amount provided for in the Contract. The surrender charge will not be deducted in the following circumstances: (1) For Qualified Contracts, (other than contracts issued for IRA and SEP-IRA), an amount each Contract Year up to the greater of: (a) $10,000 (but not more than the Contract's Fund Value), or (b) 10% of the Contract's Fund Value at the beginning of the Contract Year (except, if the surrender is requested during the first Contract Year, then 10% of the Contract's Fund Value at the time the first surrender is requested). (2) For Non-Qualified Contracts (and contracts issued for IRA and SEP-IRA), an amount up to 10% of the Fund Value at the beginning of the Contract Year (except, if the surrender is requested during the first Contract Year, then 10% of the Contract's Fund Value at the time the first surrender is requested) may be received in each Contract Year without a surrender charge. Free partial surrenders may only be made to the extent Cash Value in the subaccounts and/or Guaranteed Interest Account is available. For example, the Fund Value in MONY America Variable Account A could decrease (due to unfavorable investment experience) after part of the 10% was withdrawn. In that case it is possible that there may not be enough Cash Value to provide the remaining part of the 10% free partial surrender amount. Contract Fund Value here means the Fund Value in the subaccounts (and the Guaranteed Interest Account with Market Value Adjustment not the Loan Account). This reduction of surrender charge does not affect any applicable Market Value Adjustment that may be made if the surrender is made from Fund Value in the Guaranteed Interest Account with Market Value Adjustment. (See the prospectus for the Guaranteed Interest Account with Market Value Adjustment which accompanies this prospectus for further details.) TAXES Currently, no charge will be made against MONY America Variable Account A for federal income taxes. However, the Company may make such a charge in the future if income or gains within MONY America Variable Account A will incur any federal income tax liability. Charges for other taxes, if any, attributable to MONY America Variable Account A may also be made. (See "Federal tax status".) 31 INVESTMENT ADVISORY FEE Each portfolio in which the MONY America Variable Account A invests incurs certain fees and charges. To pay for these fees and charges, the portfolio makes deductions from its assets. Certain portfolios available under the Contract in turn invest in shares of other portfolios of AXA Premier VIP Trust and EQ Advisors Trust and/or shares of unaffiliated portfolios (collectively the "underlying portfolios"). The underlying portfolios each have their own fees and expenses, including management fees, operating expenses, and investment related expenses such as brokerage commissions. The portfolio expenses are described more fully in each Portfolio prospectus. SALES OF THE CONTRACTS We sell the Contracts through registered representatives of broker-dealers. These registered representatives are also appointed and licensed as insurance agents of the Company. We pay commissions to the broker-dealers for selling the Contracts. You do not directly pay these commissions, we do. We intend to recover commissions, marketing, administrative and other expenses and the cost of Contract benefits through the fees and charges imposed under the Contracts. (See "Distribution of the Contracts" for more information.) 9. ANNUITY PROVISIONS ANNUITY PAYMENTS Annuity payments under a Contract will begin on the date that is selected by the Owner when the Contract is applied for. No death benefit will be payable except, if annuitized, as provided under the settlement option elected. The date chosen for the start of annuity payments may be: (1) no earlier than the 10th Contract Anniversary, and (2) no later than the Contract Anniversary after the Annuitant's 95th birthday. The minimum number of years from the Effective Date to the start of annuity payments is 10. The Annuity Starting Date may be: (1) Advanced to a date that is not earlier than the 10th Contract Anniversary. (2) Deferred from time to time by the Owner by written notice to the Company. The Annuity Starting Date will be advanced or deferred if: (1) Notice of the advance or deferral is received by the Company prior to the current date for the start of annuity payments. (2) The new start date for annuity payments is a date which is not later than the Contract Anniversary after the Annuitant's 95th birthday. A particular retirement plan may contain other restrictions. When annuity payments begin, unless Settlement Option 3 or 3A is elected, the Contract's Cash Value, less any tax charge which may be imposed, will be applied to provide an annuity or any other option previously chosen by the Owner and permitted by the Company. If Settlement Option 3 or 3A is elected, the Contract's Fund Value (less any state taxes imposed when annuity payments begin) will be applied to provide an annuity. A supplementary contract will be issued when proceeds are applied to a settlement option. That contract will describe the terms of the settlement. No payments may be requested under the Contract's surrender provisions after the Annuity Starting Date. No surrender will be permitted except as may be available under the settlement option elected. For Contracts issued in connection with retirement plans, reference should be made to the terms of the particular retirement plan for any limitations or restrictions on when annuity payments start. ELECTION AND CHANGE OF SETTLEMENT OPTION During the lifetime of the Annuitant and prior to the start of annuity payments, the Owner may elect: - one or more of the settlement options described below, or - another settlement option as may be agreed to by the Company. The Owner may also change any election if written notice of the change is received by the Company at its Operation Center prior to the start of annuity payments. For contracts issued in the State of Texas, if no election is in effect on 32 the Annuity Starting Date, Settlement Option 3 with a period certain of 10 years will be considered to have been elected. Settlement options may also be elected by the Owner or the Beneficiary as provided in the "Death benefit" and "Surrenders" sections of this prospectus. (See "Death benefit" and "Surrenders"). Where applicable, reference should be made to the terms of a particular retirement plan and any applicable legislation for any limitations or restrictions on the options that may be elected. SETTLEMENT OPTIONS Proceeds settled under the settlement options listed below or otherwise currently available will not participate in the investment experience of the MONY America Variable Account A. Unless you select Settlement Option 1, the settlement option may not be changed once payments begin. SETTLEMENT OPTION 1 -- INTEREST INCOME: Interest on the proceeds at a rate (not less than 2.75% per year) set by the Company each year. The Option will continue until the earlier of the date that the payee dies or the date you elect another settlement option. Under certain contracts, this option is not available if the Annuitant is the payee. SETTLEMENT OPTION 2 -- INCOME FOR SPECIFIED PERIOD: Fixed monthly payments for a specified period of time, as elected. The payments may, at the Company's option, be increased by additional interest each year. SETTLEMENT OPTION 3 -- SINGLE LIFE INCOME: Payments for the life of the payee and for a period certain. The period certain may be (a) 0 years, 10 years, or 20 years, or (b) the period required for the total income payments to equal the proceeds (refund period certain). The amount of the income will be determined by the Company on the date the proceeds become payable. SETTLEMENT OPTION 3A -- JOINT LIFE INCOME: Payments during the joint lifetime of the payee and one other person, and during the lifetime of the survivor. The survivor's monthly income may be equal to either (a) the income payable during the joint lifetime or (b) two-thirds of that income. If a person for whom this option is chosen dies before the first monthly payment is made, the survivor will receive proceeds instead under Settlement Option 3, with 10 years certain. SETTLEMENT OPTION 4 -- INCOME OF SPECIFIED AMOUNT: Income, of an amount chosen, for as long as the proceeds and interest last. The amount chosen to be received as income in each year may not be less than 10 percent of the proceeds settled. Interest will be credited annually on the amount remaining unpaid at a rate determined annually by the Company. This rate will not be less than 2.75% per year. The Contract contains annuity payment rates for Settlement Options 3 and 3A described in this prospectus. The rates show, for each $1,000 applied, the dollar amount of the monthly fixed annuity payment, when this payment is based on minimum guaranteed interest as described in the Contract. The annuity payment rates may vary according to the Settlement Option elected and the age of the payee. The mortality table used in determining the annuity payment rates for Settlement Options 3 and 3A is the 1983 Table "a" (discrete functions, without projections for future mortality), with 3.50% interest per year. Under Settlement Option 3, if income based on the period certain elected is the same as the income provided by another available period or periods certain, the Company will consider the election to have been made of the longest period certain. In Qualified Plans, settlement options available to Owners may be restricted by the terms of the plans. FREQUENCY OF ANNUITY PAYMENTS At the time the settlement option is chosen, the payee may request that it be paid: - Quarterly: - Semiannually: or - Annually If the payee does not request a particular installment payment schedule, the payments will be made in monthly installments. However, if the net amount available to apply under any settlement option is less than $1,000, the Company has the right to pay such amount in one lump sum. In addition, if the payments provided for would be less than $25, the Company shall have the right to change the frequency of the payments to result in payments of at least $25. 33 ADDITIONAL PROVISIONS The Company may require proof of the age of the Annuitant before making any life annuity payment under the Contract. If the Annuitant's age has been misstated, the amount payable will be the amount that would have been provided under the settlement option at the correct age. Once life income payments begin, any underpayments will be made up in one sum with the next annuity payment. Overpayments will be deducted from the future annuity payments until the total is repaid. For contracts issued in the State of Washington, any underpayment by the Company will be paid in a single sum after the correction of the misstatement. The Contract may be required to be returned upon any settlement. Prior to any settlement of a death claim, proof of the Annuitant's death must be submitted to the Company. Where any benefits under the Contract are contingent upon the recipient's being alive on a given date, the Company requires proof satisfactory to it that such condition has been met. The Contracts described in this prospectus contain annuity payment rates that distinguish between men and women. On July 6, 1983, the Supreme Court held in ARIZONA GOVERNING COMMITTEE V. NORRIS that optional annuity benefits provided under an employer's deferred compensation plan could not, under Title VII of the Civil Rights Act of 1964, vary between men and women on the basis of sex. Because of this decision, the annuity payment rates that apply to Contracts purchased under an employment-related insurance or benefit program may in some cases not vary on the basis of the Annuitant's sex. Unisex rates to be provided by the Company will apply for Qualified Plans. Employers and employee organizations should consider, in consultation with legal counsel, the impact of NORRIS , and Title VII, generally and any comparable state laws that may apply, on any employment-related plan for which a Contract may be purchased. The Contract is incontestable from its date of issue. 10. OTHER PROVISIONS OWNERSHIP The Owner has all rights and may receive all benefits under the Contract. During the lifetime of the Annuitant (and Secondary Annuitant if one has been named), the Owner is the person so designated in the application, unless: (1) a change in Owner is requested, or (2) a Successor Owner becomes the Owner. The Owner may name a Successor Owner or a new Owner at any time. If the Owner dies, the Successor Owner, if living, becomes the Owner. Any request for change must be: (1) made in writing, and (2) received at the Company. The change will become effective as of the date the written request is signed. A new choice of Owner or Successor Owner will apply to any payment made or action taken by the Company after the request for the change is received. Owners should consult a competent tax adviser prior to changing Owners. -------------------------------------------------------------------------------- SUCCESSOR OWNER -- THE LIVING PERSON WHO, AT THE DEATH OF THE OWNER, BECOMES THE NEW OWNER. -------------------------------------------------------------------------------- PROVISION REQUIRED BY SECTION 72(s) OF THE CODE The entire interest under a Non-Qualified Contract must be distributed within five years of any Owner's death if any Owner dies before the Annuity Starting Date. Satisfactory proof of death must be provided to the Company. If the deceased Owner's spouse is the Successor Owner as of the date of the Owner's death, then the surviving spouse will be treated as the new Owner of the Contract and may continue the Contract. Spousal status is determined under federal law for this purpose (described below). If the surviving spouse is not the Successor Owner: (1) the Contract will be surrendered as of the date of the Owner's death, and (2) the proceeds will be paid to the Beneficiary. 34 If the Beneficiary is the Successor Owner, the surrender proceeds may be paid over the life of the Successor Owner if: (1) the Successor Owner chooses that option, and (2) payments begin no later than one year after the date of the Owner's death. This provision shall not extend the term of the Contract beyond the date when death proceeds become payable. If any Owner, Annuitant or payee dies on or after the Annuity Starting Date, any remaining portion of the proceeds will be distributed using a method that is at least as quick as the one used as of the date of the Owner's, Annuitant's or payee's death. PROVISION REQUIRED BY SECTION 401(a)(9) OF THE CODE The entire interest of a Qualified Plan participant in the Contract generally will begin to be distributed no later than the required beginning date. Distributions generally must begin not later than April 1 of the calendar year following the calendar year the Qualified Plan Participant attains age 70 1/2. The interest is distributed: (1) over the life of such Participant, or (2) the lives of such Participant and designated Beneficiary. If (i) required minimum distributions have begun, and (ii) the Participant dies before the Owner's entire interest has been distributed to him/her, the remaining distributions will be made using a method that is at least as rapid as that used as of the date of the Participant's death. The Contract generally will be surrendered as of the Participant's death if: (1) the Participant dies before the start of such distributions, and (2) there is no designated Beneficiary. The surrender proceeds generally must be distributed within 5 years after the date of death. But, the surrender proceeds may be paid over the life of any designated Beneficiary at his/her option. In such case, distributions generally will begin not later than one year after the December 31 following the Participant's death. If the Plan is an IRA under Section 408 of the Code, the surviving spouse may elect to forgo distribution and treat the IRA as his/her own plan. Although the lifetime required minimum distribution rules do not apply to Roth IRAs under Section 408A of the Code, the post-death distribution rules apply. It is the Owner's responsibility to assure that distribution rules imposed by the Code and Treasury regulations will be met. The Owner may want to consult a tax advisor concerning the potential application of these complex rules before purchasing this annuity Contract or purchasing additional features under this annuity Contract or making additional Purchase Payments under this annuity Contract. (See "Federal tax status.") CONTINUATION OF THE CONTRACT BY A SURVIVING SPOUSE As described above, in certain cases a surviving spouse may elect, in the case of Non-Qualified Contracts and Contracts that are used in connection with IRAs under Section 408 of the Code, to continue the Contract and become the new Owner. A Contract may be continued by a surviving spouse only once. This benefit will not be available to any subsequent surviving spouse under the continued Contract. The designated beneficiary of an annuity contract who is recognized as a spouse of a deceased owner for federal tax purposes is treated more favorably than a designated beneficiary who is not recognized as a spouse for federal tax purposes. Specifically, a designated beneficiary who is recognized as a spouse of the deceased owner for federal tax purposes may continue the Contract and become the new Owner as described above. In contrast, a designated beneficiary who is not recognized as a spouse of the deceased owner for federal tax purposes must surrender the Contract within 5 years of the owner's death or take distributions from the Contract over the beneficiary's life or life expectancy beginning within one year of the owner's death. The Internal Revenue Service has ruled that for federal tax purposes, the term "spouse" does not include individuals (whether of the opposite sex or the same sex) who have entered into a registered domestic partnership, civil union, or other similar formal relationship recognized under state law that is not denominated as a marriage under the laws of that state. As a result, if a beneficiary of a deceased owner and the owner were parties to such a relationship, the beneficiary will be required by federal tax law to take distributions from the Contract in the manner applicable to nonspouse beneficiaries and will not be able to continue the Contract. 35 IF YOU HAVE QUESTIONS CONCERNING YOUR STATUS AS A SPOUSE FOR FEDERAL TAX PURPOSES AND HOW THAT STATUS MIGHT AFFECT YOUR RIGHTS UNDER THE CONTRACT, YOU SHOULD CONSULT YOUR LEGAL ADVISER. SECONDARY ANNUITANT Except where the Contract is issued in connection with a Qualified Plan, a Secondary Annuitant may be designated by the Owner. Such designation may be made once before annuity payments begin, either: (1) in the application for the Contract, or (2) after the Contract is issued, by written notice to the Company at its Operations Center. The Secondary Annuitant may be deleted by written notice to the Company at its Operations Center. A designation or deletion of a Secondary Annuitant will take effect as of the date the written election was signed. The Company, however, must first accept and record the change at its Operations Center. The change will be subject to: (1) any payment made by the Company, or (2) action taken by the Company before the receipt of the notice at the Company's Operations Center. You cannot change the Secondary Annuitant, but you can delete the Secondary Annuitant. The Secondary Annuitant will be deleted from the Contract automatically by the Company as of the Contract Anniversary following the Secondary Annuitant's 95th birthday. On the death of the Annuitant, the Secondary Annuitant will become the Annuitant, under the following conditions: (1) the death of the Annuitant must have occurred before the Annuity Starting Date; (2) the Secondary Annuitant is living on the date of the Annuitant's death; (3) if the Annuitant was the Owner on the date of death, the Successor Owner must have been the Annuitant's spouse (as defined by federal law); and (4) if the Annuity Starting Date is later than the Contract Anniversary nearest the Secondary Annuitant's 95th birthday, the Annuity Starting Date will be automatically advanced to that Contract Anniversary. EFFECT OF SECONDARY ANNUITANT'S BECOMING THE ANNUITANT. If the Secondary Annuitant becomes the Annuitant, the Death Benefit proceeds will be paid to the Beneficiary only on the death of the Secondary Annuitant. If the Secondary Annuitant was the Beneficiary on the Annuitant's death, the Beneficiary will be automatically changed to the person who was the successor Beneficiary on the date of death. If there was no successor Beneficiary, then the Secondary Annuitant's executors or administrators, unless the Owner directed otherwise, will become the Beneficiary. All other rights and benefits under the Contract will continue in effect during the lifetime of the Secondary Annuitant as if the Secondary Annuitant were the Annuitant. ASSIGNMENT The Owner may assign the Contract. However, the Company will not be bound by any assignment until the assignment (or a copy) is received by the Company at its Operations Center. The Company is not responsible for determining the validity or effect of any assignment. The Company shall not be liable for any payment or other settlement made by the Company before receipt of the assignment. If the Contract is issued under certain retirement plans, then it may not be assigned, pledged or otherwise transferred except under conditions allowed under applicable law. Because an assignment may be a taxable event, a Owner should consult a competent tax adviser before assigning the Contract. CHANGE OF BENEFICIARY So long as the Contract is in effect the Owner may change the Beneficiary or successor Beneficiary. A change is made by submitting a written request to the Company at its Operations Center. The form of the request must be acceptable to the Company. The Contract need not be returned unless requested by the Company. The change will take effect as of the date the request is signed. The Company will not, however, be liable for any payment made or action taken before receipt and acknowledgement of the request at its Operations Center. 36 SUBSTITUTION OF SECURITIES The Company may substitute shares of another mutual fund for shares of the Portfolios already purchased or to be purchased in the future by Contract Purchase Payments if: (1) the shares of any Portfolio are no longer available for investment by MONY America Variable Account A, or (2) in the judgment of the Company's Board of Directors, further investment in shares of one or more of the Portfolios is inappropriate based on the purposes of the Contract. The new portfolios may have higher fees and charges than the ones they replaced, and not all portfolios may be available to all classes of contracts. We will notify you before we substitute securities in any subaccount, and, to the extent required by law, we will obtain prior approval from the Securities and Exchange Commission and the Arizona Insurance Department. We also will obtain any other required approvals (See "Who is MONY Life Insurance Company of America -- MONY America Variable Account A" for more information about changes we may make to the subaccounts). CHANGES TO CONTRACTS The Company reserves the right, subject to compliance with laws that apply, to unilaterally change your Contract in order to comply with any applicable laws and regulations, including but not limited to changes in the Internal Revenue Code, Treasury regulations, published rulings of the Internal Revenue Service, ERISA, and Department of Labor regulations. Any change in the Contract must be in writing and made by our authorized officer. We will provide notice of any contract change. CHANGE IN OPERATION OF MONY AMERICA VARIABLE ACCOUNT A MONY America Variable Account A may be operated as a management company under the 1940 Act or it may be deregistered under the 1940 Act in the event the registration is no longer required, or MONY America Variable Account A may be combined with any of other subaccounts. Deregistration of MONY America Variable Account A requires an order by the Securities and Exchange Commission. If there is a change in the operation of MONY America Variable Account A under this provision, the Company may make appropriate endorsement to the Contract to reflect the change and take such other action as may be necessary and appropriate to effect the change. 11. VOTING RIGHTS All of the assets held in the subaccounts of MONY America Variable Account A will be invested in shares of the designated Portfolios. The Company is the legal holder of these shares. To the extent required by law, the Company will vote the shares of each of the Portfolios held in MONY America Variable Account A (whether or not attributable to contract owners). We will determine the number of votes which you have the right to cast by applying your percentage interest in a subaccount to the total number of votes attributable to that subaccount. In determining the number of votes, we will recognize fractional shares. We will vote Portfolio shares of a class held in a subaccount for which we received no timely instructions in proportion to the voting instructions which we received for all contracts participating in that subaccount. We will apply voting instructions to abstain on any item to be voted on a pro rata basis to reduce the number of votes eligible to be cast. Whenever a Portfolio calls a shareholder's meeting, each person having a voting interest in a subaccount will receive proxy voting material, reports, and other materials relating to the Portfolio. Since each Portfolio may engage in shared funding, other persons or entities besides the Company may vote Portfolio shares. 12. DISTRIBUTION OF THE CONTRACTS The Contracts are distributed by both AXA Advisors, LLC ("AXA Advisors") and AXA Distributors, LLC ("AXA Distributors") (together, the "Distributors"). The Distributors serve as principal underwriters of MONY America Variable Account A. The offering of the Contracts is intended to be continuous. 37 AXA Advisors is an affiliate of the Company, and AXA Distributors is an indirect wholly owned subsidiary of the Company. The Distributors are under the common control of AXA Financial, Inc. Their principal business address is 525 Washington Boulevard, Jersey City, New Jersey 07310. The Distributors are registered with the SEC as broker-dealers and are members of the Financial Industry Regulatory Authority, Inc. ("FINRA"). Both broker-dealers also act as distributors for the Company's life and annuity products. The Contracts are sold by financial professionals of AXA Advisors and its affiliates. The Contracts are also sold by financial professionals of unaffiliated broker-dealers that have entered into selling agreements with the Distributors ("Selling broker-dealers"). The Company pays compensation to both Distributors based on Contracts sold. The Company may also make additional payments to the Distributors, and the Distributors may, in turn, make additional payments to certain Selling broker-dealers. All payments will be in compliance with all applicable FINRA rules and other laws and regulations. Although the Company takes into account all of its distribution and other costs in establishing the level of fees and charges under its Contracts, none of the compensation paid to the Distributors or the Selling broker-dealers discussed in this section of the prospectus are imposed as separate fees or charges under your Contract. The Company, however, intends to recoup amounts it pays for distribution and other services through the fees and charges of the Contract and payments it receives for providing administrative, distribution and other services to the Portfolios. For information about the fees and charges under the Contract, see "Summary of the Contract" and "Charges and deductions" earlier in this prospectus. COMPENSATION PAID TO THE DISTRIBUTORS. The Company pays compensation to the Distributors based on Purchase Payments made on the Contracts sold through the Distributors ("contribution-based compensation"). The contribution-based compensation will generally not exceed 6.50% of the total Purchase Payments made under the Contracts, plus, starting in the second Contract Year, up to 0.25% of the Fund Value of the Contracts ("asset-based compensation"). The Distributors, in turn, may pay a portion of the compensation received from the Company to the Distributors financial professional and/or the Selling broker-dealer making the sale. The compensation paid by the Distributors varies among financial professionals and among Selling broker-dealers. The Distributors also pay a portion of the compensation it receives to its managerial personnel. When a Contract is sold by a Selling broker-dealer, the Selling broker-dealer, not the Distributors, determines the amount and type of compensation paid to the Selling broker-dealer's financial professional for the sale of the Contract. Therefore, you should contact your financial professional for information about the compensation he or she receives and any related incentives, as described below. AXA Advisors may receive compensation, and, in turn, pay its financial professionals a portion of such fee, from third party investment advisors to whom its financial professionals refer customers for professional management of the assets within their contract. AXA Advisors also pays its financial professionals and managerial personnel other types of compensation including service fees, expense allowance payments and health and retirement benefits. AXA Advisors also pays its financial professionals, managerial personnel and Selling broker-dealers sales bonuses (based on selling certain products during specified periods) and persistency bonuses. AXA Advisors may offer sales incentive programs to financial professionals and Selling broker-dealers who meet specified production levels for the sales of both the Company Contracts and Contracts offered by other companies. These incentives provide non-cash compensation such as stock options awards and/or stock appreciation rights, expense-paid trips, expense-paid education seminars and merchandise. The Company also pays AXA Distributors compensation to cover its operating expenses and marketing services under the terms of the Company's distribution agreements with AXA Distributors. DIFFERENTIAL COMPENSATION PAID BY AXA ADVISORS. In an effort to promote the sale of the Company's products, AXA Advisors may pay its financial professionals and managerial personnel a greater percentage of contribution-based compensation and/or asset-based compensation for the sale of the Company's Contract than it pays for the sale of a Contract or other financial product issued by a company other than the Company. AXA Advisors may pay higher compensation on certain products in a class than others based on a group or sponsored arrangement, or between older and newer versions or series of the same contract. This practice is known as providing "differential compensation." Differential compensation may involve other forms of compensation to AXA Advisors personnel. Certain components of the compensation paid to managerial personnel are based on whether the sales involve the Company's Contracts. Managers earn higher compensation (and credits toward awards and bonuses) if the financial professionals they manage sell a higher percentage of the Company's Contracts than products issued by other companies. Other forms of compensation provided to its financial professionals include health and retirement benefits, expense reimbursements, marketing allowances and contribution-based payments, known as "overrides." For 38 tax reasons, AXA Advisors financial professionals qualify for health and retirement benefits based solely on their sales of the Company's Contracts and products sponsored by affiliates. The fact that AXA Advisors financial professionals receive differential compensation and additional payments may provide an incentive for those financial professionals to recommend the Company's Contract over a Contract or other financial product issued by a company not affiliated with the Company. However, under applicable rules of FINRA, AXA Advisors financial professionals may only recommend to you products that they reasonably believe are suitable for you based on the facts that you have disclosed as to your other security holdings, financial situation and needs. In making any recommendation, financial professionals of AXA Advisors may nonetheless face conflicts of interest because of the differences in compensation from one product category to another, and because of differences in compensation among products in the same category. For more information, contact your financial professional. ADDITIONAL PAYMENTS BY AXA DISTRIBUTORS TO SELLING BROKER-DEALERS. AXA Distributors may pay, out of its assets, certain Selling broker-dealers and other financial intermediaries additional compensation in recognition of services provided or expenses incurred. AXA Distributors may also pay certain Selling broker-dealers or other financial intermediaries additional compensation for enhanced marketing opportunities and other services (commonly referred to as "marketing allowances"). Services for which such payments are made may include, but are not limited to, the preferred placement of the Company products on a company and/or product list; sales personnel training; product training; business reporting; technological support; due diligence and related costs; advertising, marketing and related services; conference; and/or other support services, including some that may benefit the Contract owner. Payments may be based on ongoing sales, on the aggregate account value attributable to Contracts sold through a Selling broker-dealer or such payments may be a fixed amount. For certain selling broker-dealers, AXA Distributors increases the marketing allowance as certain sales thresholds are met. AXA Distributors may also make fixed payments to Selling broker-dealers, for example in connection with the initiation of a new relationship or the introduction of a new product. Additionally, as an incentive for the financial professionals of Selling broker-dealers to promote the sale of the Company products, AXA Distributors may increase the sales compensation paid to the Selling broker-dealer for a period of time (commonly referred to as "compensation enhancements"). AXA Distributors also has entered into agreements with certain selling broker-dealers in which the selling broker-dealer agrees to sell certain AXA Equitable contracts exclusively. These additional payments may serve as an incentive for Selling broker-dealers to promote the sale of the Company Contracts over Contracts and other products issued by other companies. Not all Selling broker-dealers receive additional payments, and the payments vary among Selling broker-dealers. The list below includes the names of Selling broker-dealers that we are aware (as of December 31, 2014) received additional payments. These additional payments ranged from $40.15 to $4,874,706.21. The Company and its affiliates may also have other business relationships with Selling broker-dealers, which may provide an incentive for the Selling broker-dealers to promote the sale of the Company's contracts over contracts and other products issued by other companies. The list below includes any such Selling broker-dealer. For more information, ask your financial professional. 1st Global Capital Corporation Allstate Financial Services, LLC American Portfolios Financial Services Ameriprise Financial Services BBVA Compass Investment Solutions, Inc. Cambridge Investment Research Capital Investment Group CCO Investment Services Corporation Centaurus Financial, Inc. Cetera Advisors, LLC Cetera Advisors Networks, LLC Cetera Financial Specialists, LLC Cetera Investment Services, LLC CFD Investments, Inc. Citigroup Global Markets, Inc. Commonwealth Financial Network CUNA Brokerage Services Cuso Financial Services, L.P. Essex National Securities, Inc. Farmer's Financial Solution 39 First Allied Securities Inc. First Citizens Investor Services, Inc. First Southeast Investor Services First Tennessee Brokerage Inc. Founders Financial Securities FSC Securities Corporation Geneos Wealth Management Inc. GWN Securities, Inc. H.D. Vest Investment Securities, Inc. Harbour Investments ICA/First Dakota, Inc. IFC Holdings, Inc. Independent Financial Group, LLC ING Financial Partners Investacorp, Inc. Investment Professionals, Inc. Investors Capital Corporation James T. Borello & Company Janney Montgomery Scott LLC JP Turner & Company, LLC Key Investment Services LLC Kovack Securities Legend Equities Lincoln Financial Advisors Corp. Lincoln Financial Services Corp. LPL Financial Corporation Lucia Securities, LLC Mercap Securities, LLC Merrill Lynch Life Agency, Inc. MetLife Securities, Inc. Morgan Stanley Smith Barney Mutual Service Corporation National Planning Corporation Navy Federal Brokerage Services New England Securities, Inc. Next Financial Group, Inc. NFP Securities Inc. PNC Investments Prime Capital Services Primerica Financial Services Questar Capital Corporation Raymond James & Associates Raymond James Insurance Group RBC Capital Markets Corporation Robert W Baird & Company Royal Alliance Associates, Inc. Sage Point Financial, Inc. Santander Securities Corporation Securities America Inc. Signator Financial Services Signator Investors, Inc. Sll Investments Sorrento Pacific Financial LLC Southwest Securities, Inc. Summit Brokerage Services, Inc. SunTrust Investments SWS Financial Services Tavenner Group Tower Squares Securities 40 TransAmerica Financial Advisors Triad Advisors U.S Bancorp Investments, Inc. UBS Financial Services, Inc. UVEST Financial Services Group Valmark Securities, Inc. Walnut Street Services Waterstone Financial Group Wells Fargo Advisors Financial Network, LLC Wells Fargo Advisors, LLC Wells Fargo Investments, LLC Wesom Financial Services, LLC Woodbury Financial Services, Inc. 13. FEDERAL TAX STATUS INTRODUCTION The following discussion of the federal income tax treatment of the Contract is not exhaustive, does not purport to cover all situations, and is not intended as tax advice. The federal income tax treatment of the Contract is unclear in certain circumstances, and you should always consult a qualified tax adviser regarding the application of law to individual circumstances. This discussion is based on the Code, Treasury Department regulations, and interpretations existing on the date of this Prospectus. These authorities, however, are subject to change by Congress, the Treasury Department, and judicial decisions. This discussion does not address state or local tax consequences associated with the purchase of the Contract. In addition, THE COMPANY MAKES NO GUARANTEE REGARDING ANY TAX TREATMENT -- FEDERAL, STATE OR LOCAL -- OF ANY CONTRACT OR OF ANY TRANSACTION INVOLVING A CONTRACT. THE COMPANY'S TAX STATUS The Company is taxed as a life insurance company under the Code. Since the operations of MONY America Variable Account A are a part of, and are taxed with, the operations of the Company, the MONY America Variable Account A is not separately taxed as a "regulated investment company" under the Code. Under existing federal income tax laws, investment income and capital gains of the MONY America Variable Account A are not taxed to the extent they are applied under a Contract. The Company does not anticipate that it will incur any federal income tax liability attributable to such income and gains of the MONY America Variable Account A, and therefore does not intend to make provision for any such taxes. If the Company is taxed on investment income or capital gains of the MONY America Variable Account A, then the Company may impose a charge against the Variable Account in order to make provision for such taxes. TAXATION OF ANNUITIES IN GENERAL TAX DEFERRAL DURING ACCUMULATION PERIOD Under existing provisions of the Code, except as described below, any increase in an Owner's Fund Value is generally not taxable to the Owner until received, either in the form of annuity payments as contemplated by the Contracts, or in some other form of distribution. However, this rule applies only if: (1) the investments of the MONY America Variable Account A are "adequately diversified" in accordance with Treasury Department regulations; (2) the Company, rather than the Owner, is considered the owner of the assets of the MONY America Variable Account A for federal income tax purposes; and (3) the Owner is an individual (or an individual is treated as the Owner for tax purposes). DIVERSIFICATION REQUIREMENTS. The Code and Treasury Department regulations prescribe the manner in which the investments of a segregated asset account, such as the MONY America Variable Account A, are to be "adequately diversified." If the MONY America Variable Account A fails to comply with these diversification standards, the Contract will not be treated as an annuity contract for federal income tax purposes and the Owner would generally be taxable currently on the excess of the Fund Value over the premiums paid for the Contract. The Company expects that the 41 MONY America Variable Account A, through the Portfolios, will comply with the diversification requirements prescribed by the Code and Treasury Department regulations. OWNERSHIP TREATMENT. In certain circumstances, variable annuity contract owners may be considered the owners, for federal income tax purposes, of the assets of a segregated asset account, such as the MONY America Variable Account A, used to support their contracts. In those circumstances, income and gains from the segregated asset account would be currently includable in the contract owners' gross income. The Internal Revenue Service (the "IRS") has stated in published rulings that a variable contract owner will be considered the owner of the assets of a segregated asset account if the owner possesses incidents of ownership in those assets, such as the ability to exercise investment control over the assets. The ownership rights under the Contract are similar to, but differ in certain respects from, the ownership rights described in certain IRS rulings where it was determined that contract owners were not owners of the assets of a segregated asset account (and thus not currently taxable on the income and gains). For example, the Owner of this Contract has the choice of more investment options to which to allocate purchase payments and Mony America Variable Account A values than were addressed in such rulings. These differences could result in the Owner being treated as the owner of the assets of the Mony America Variable Account A and thus subject to current taxation on the income and gains from those assets. In addition, the Company does not know what standards will be set forth in any further regulations or rulings which the Treasury Department or IRS may issue. The Company therefore reserves the right to modify the Contract as necessary to attempt to prevent Contract Owners from being considered the owners of the assets of the Mony America Variable Account A. However, there is no assurance such efforts would be successful. NONNATURAL OWNER. As a general rule, Contracts held by "nonnatural persons" such as a corporation, trust or other similar entity, as opposed to a natural person, are not treated as annuity contracts for federal tax purposes. The income on such Contracts (as defined in the tax law) is taxed as ordinary income that is received or accrued by the Owner of the Contract during the taxable year. There are several exceptions to this general rule for nonnatural Owners. First, Contracts will generally be treated as held by a natural person if the nominal owner is a trust or other entity which holds the Contract as an agent for a natural person. Thus, if a group Contract is held by a trust or other entity as an agent for certificate owners who are individuals, those individuals should be treated as owning an annuity for federal income tax purposes. However, this special exception will not apply in the case of any employer who is the nominal owner of a Contract under a non-qualified deferred compensation arrangement for its employees. In addition, exceptions to the general rule for nonnatural Owners will apply with respect to: (1) Contracts acquired by an estate of a decedent by reason of the death of the decedent; (2) certain Qualified Contracts; (3) Contracts purchased by employers upon the termination of certain Qualified Plans; (4) certain Contracts used in connection with structured settlement agreements; and (5) Contracts purchased with a single purchase payment when the Annuity Starting Date is no later than a year from purchase of the Contract and substantially equal periodic payments are made, not less frequently than annually, during the annuity period. DELAYED ANNUITY PAYMENT DATES If the Annuity Starting Date under the Contract occurs (or is scheduled to occur) at a time when the Annuitant has reached an advanced age (E.G., past age 95), it is possible that the Contract would not be treated as an annuity for federal income tax purposes. In that event, the income and gains under the Contract could be currently includable in the Owner's income. The remainder of this discussion assumes that the Contract will be treated as an annuity contract for federal income tax purposes. TAXATION OF SURRENDERS AND PARTIAL SURRENDERS In the case of a partial surrender, amounts you receive are generally includable in income to the extent your "cash surrender value" before the partial surrender exceeds your "investment in the contract" (defined below). All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. Amounts received under an automatic withdrawal plan are treated for tax purposes as partial surrenders, not annuity payments. In the case of a surrender, 42 amounts received are includable in income to the extent they exceed the "investment in the contract." For these purposes, the "investment in the contract" at any time equals the total of the Purchase Payments made under the Contract to that time (to the extent such payments were neither deductible when made nor excludable from income as, for example, in the case of certain contributions to Qualified Contracts) less any amounts previously received from the Contract which were not includable in income. As described elsewhere in this Prospectus, the cost of the enhanced death benefit option is reflected in the mortality and expense risk charge. It is possible that the portion of the mortality and expense risk charge that represents the cost of the enhanced death benefit option could be treated for federal tax purposes as a partial surrender from the Contract. If the Contract has additional riders, charges (or some portion thereof) for such riders could be treated for federal tax purposes as partial surrenders from the Contract. There is some uncertainty regarding the treatment of the Market Value Adjustment for purposes of determining the amount includible in income as a result of any partial surrender, surrender, assignment, pledge, or transfer without adequate consideration. Congress has given the IRS regulatory authority to address this uncertainty. However, as of the date of this Prospectus, the IRS has not issued any regulations addressing these determinations. Surrenders and partial surrenders may be subject to a 10% penalty tax. (See "Penalty Tax on Premature Distributions.") Surrenders and partial surrenders may also be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") TAXATION OF ANNUITY PAYMENTS Normally, the portion of each annuity income payment taxable as ordinary income equals the excess of the payment over the exclusion amount. The exclusion amount is determined by multiplying (1) the payment by (2) the ratio of the "investment in the contract" (defined above) you allocate to the settlement option, adjusted for any period certain or refund feature, to the total expected amount of annuity income payments for the term of the Contract (determined under Treasury Department regulations). Once the total amount of the investment in the contract is excluded using the above formula, annuity income payments will be fully taxable. If annuity income payments cease because of the death of the Annuitant and before the total amount of the investment in the contract is recovered, the unrecovered amount generally will be allowed as a deduction. There may be special income tax issues present in situations where the Owner and the Annuitant are not the same person and are not married to one another within the meaning of federal law. You should consult a tax advisor in those situations. Annuity income payments may be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") TAXATION OF PROCEEDS PAYABLE UPON DEATH Prior to the Annuity Starting Date, we may distribute amounts from a Contract because of the death of an Owner or, in certain circumstances, the death of the Annuitant. Such proceeds are includable in income as follows: (1) if distributed in a lump sum or under Settlement Option 1 (described above), they are taxed in the same manner as a surrender, as described above; or (2) if distributed under Settlement Options 2, 3, 3A, or 4 (described above), they are taxed in the same manner as annuity income payments, as described above. After the Annuity Starting Date, if a guaranteed period exists under a life income settlement option and the payee dies before the end of that period, payments we make to the Beneficiary for the remainder of that period are includable in income as follows: (1) if received in a lump sum, they are included in income to the extent that they exceed the unrecovered investment in the contract at that time; or (2) if distributed in accordance with the existing settlement option selected, they are fully excluded from income until the remaining investment in the contract is deemed to be recovered, and all annuity income payments thereafter are fully includable in income. Proceeds payable on death may be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") 43 The Company may be liable for payment of the generation skipping transfer tax under certain circumstances. In the event that the Company determines that such liability exists, an amount necessary to pay the generation skipping transfer tax may be subtracted from the proceeds. ASSIGNMENTS, PLEDGES, AND GRATUITOUS TRANSFERS Other than in the case of Qualified Contracts (which generally cannot be assigned or pledged), any assignment or pledge of (or agreement to assign or pledge) any portion of the Fund Value is treated for federal income tax purposes as a surrender of such amount or portion. The investment in the contract is increased by the amount includable as income with respect to such assignment or pledge, though it is not affected by any other aspect of the assignment or pledge (including its release). If an Owner transfers a Contract without adequate consideration to a person other than the Owner's spouse (or to a former spouse incident to divorce), the Owner will be required to include in income the difference between the "cash surrender value" and the investment in the contract at the time of transfer. In such case, the transferee's "investment in the contract" will increase to reflect the increase in the transferor's income. The exceptions for transfers to the Owner's spouse (or to a former spouse) are limited to individuals that are treated as spouses under federal law. PENALTY TAX ON PREMATURE DISTRIBUTIONS Where we have not issued the Contract in connection with a Qualified Plan, there generally is a 10% penalty tax on the amount of any payment from the Contract, E.G., surrenders, partial surrenders, annuity payments, death proceeds, assignments, pledges and gratuitous transfers, that is includable in income unless the payment is: (a) received on or after the Owner reaches age 59 1/2; (b) attributable to the Owner's becoming disabled (as defined in the tax law); (c) made on or after the death of the Owner or, if the Owner is not an individual, on or after the death of the primary annuitant (as defined in the tax law); (d) made as part of a series of substantially equal periodic payments (not less frequently than annually) for the life (or life expectancy) of the Owner or the joint lives (or joint life expectancies) of the Owner and a designated beneficiary (as defined in the tax law); or (e) made under a Contract purchased with a single Purchase Payment when the Annuity Starting Date is no later than a year from purchase of the Contract and substantially equal periodic payments are made, not less frequently than annually, during the annuity period. Certain other exceptions to the 10% penalty tax not described herein also may apply. (Similar rules, discussed below, apply in the case of certain Qualified Contracts.) AGGREGATION OF CONTRACTS In certain circumstances, the IRS may determine the amount of an annuity income payment or a surrender from a Contract that is includable in income by combining some or all of the annuity contracts a person owns that were not issued in connection with Qualified Plans. For example, if a person purchases a Contract offered by this Prospectus and also purchases at approximately the same time an immediate annuity issued by the Company (or its affiliates), the IRS may treat the two contracts as one contract. In addition, if a person purchases two or more deferred annuity contracts from the same insurance company (or its affiliates) during any calendar year, all such contracts will be treated as one contract for purposes of determining whether any payment that was not received as an annuity (including surrenders prior to the Annuity Starting Date) is includable in income. The effects of such aggregation are not always clear; however, it could affect the amount of a surrender or an annuity payment that is taxable and the amount which might be subject to the 10% penalty tax described above. NET INVESTMENT INCOME TAX Effective for tax years beginning after December 31, 2012, a net investment income tax of 3.8% applies to some types of investment income, including all taxable distributions from nonqualified annuities. This tax only applies to taxpayers with "modified adjusted gross income" above $250,000 in the case of married couples filing jointly, $125,000 in the case of married couples filing separately, and $200,000 for all others. For more information regarding this tax and whether it may apply to you, please consult your tax advisor. 44 LOSS OF INTEREST DEDUCTION WHERE CONTRACT IS HELD BY OR FOR THE BENEFIT OF CERTAIN NONNATURAL PERSONS In the case of Contracts issued after June 8, 1997, to a nonnatural taxpayer (such as a corporation or a trust), or held for the benefit of such an entity, that entity's general interest deduction under the Code may be limited. More specifically, a portion of its otherwise deductible interest may not be deductible by the entity, regardless of whether the interest relates to debt used to purchase or carry the Contract. However, this interest deduction disallowance does not affect Contracts where the income on such Contracts is treated as ordinary income that the Owner received or accrued during the taxable year. Entities that have purchased the Contract, or entities that will be Beneficiaries under a Contract, should consult a tax adviser. QUALIFIED RETIREMENT PLANS IN GENERAL The Contracts are also designed for use in connection with certain types of retirement plans which receive favorable treatment under the Code. Numerous special tax rules apply to the participants in Qualified Plans and to Contracts used in connection with Qualified Plans. Therefore, we make no attempt in this prospectus to provide more than general information about use of the Contract with the various types of Qualified Plans. State income tax rules applicable to Qualified Plans and Qualified Contracts often differ from federal income tax rules, and this prospectus does not describe any of these differences. THOSE WHO INTEND TO USE THE CONTRACT IN CONNECTION WITH QUALIFIED PLANS SHOULD SEEK COMPETENT ADVICE. The tax rules applicable to Qualified Plans vary according to the type of plan and the terms and conditions of the plan itself. For example, for surrenders, automatic withdrawals, partial surrenders, and annuity income payments under Qualified Contracts, there may be no "investment in the contract" and the total amount received may be taxable. Both the amount of the contribution that you and/or your employer may make, and the tax deduction or exclusion that you and/or your employer may claim for such contribution, are limited under Qualified Plans. In the case of Qualified Contracts, special rules apply to the time at which distributions must commence and the form in which the distributions must be paid. For example, the length of any guarantee period may be limited in some circumstances to satisfy certain minimum distribution requirements under the Code. Due to the presence of a Market Value Adjustment there may be in some circumstances uncertainty as to the amount of required minimum distributions. Furthermore, failure to comply with minimum distribution requirements applicable to Qualified Plans will result in the imposition of an excise tax. This excise tax generally equals 50% of the amount by which a minimum required distribution exceeds the actual distribution from the Qualified Plan. In the case of Individual Retirement Accounts or Annuities (IRAs), distributions of minimum amounts (as specified in the tax law) must generally commence by April 1 of the calendar year following the calendar year in which the Owner attains age 70 1/2. In the case of certain other Qualified Plans, distributions of such minimum amounts must generally commence by the later of this date or April 1 of the calendar year following the calendar year in which the employee retires. The death benefit under your Contract and certain other benefits that the IRS may characterize as "other benefits" for purposes of the regulations under Code Section 401(a)(9), may increase the amount of the minimum required distribution that must be taken from your Contract. As described earlier in this prospectus, certain Qualified Contracts issued under a Code Section 401(k) plan will have a loan provision under which a loan can be taken using the Contract as collateral for the loan. In general, loans from Qualified Contracts are taxable distributions unless certain requirements are satisfied. For example, the loan, by its terms, generally must be repaid within 5 years, repayments are required at least quarterly and must be substantially level, and the loan amount is limited to certain dollar amounts specified by the IRS. These dollar limits take into account other recent loans you have had under the plan. If these requirements are not satisfied when the loan is received or while the loan is outstanding, it could result in a taxable distribution from the Qualified Contract. The plan may also require the loan to be repaid upon severance from employment. PLEASE CONSULT YOUR PLAN ADMINISTRATOR AND/OR TAX ADVISER REGARDING THE TREATMENT OF LOANS IN THESE CIRCUMSTANCES. There may be a 10% penalty tax on the taxable amount of payments from certain Qualified Contracts. There are exceptions to this penalty tax which vary depending on the type of Qualified Plan. In the case of an IRA, exceptions provide that the penalty tax does not apply to a payment: (a) received on or after the date the Owner reaches age 59 1/2; (b) received on or after the Owner's death or because of the Owner's disability (as defined in the tax law); or 45 (c) made as part of a series of substantially equal periodic payments (not less frequently than annually) for the life (or life expectancy) of the Owner or for the joint lives (or joint life expectancies) of the Owner and his designated beneficiary (as defined in the tax law). These exceptions generally apply to taxable distributions from other Qualified Plans (although, in the case of plans qualified under section 401, exception "c" above for substantially equal periodic payments applies only if the Owner has separated from service). In addition, the penalty tax does not apply to certain distributions from IRAs which are used for qualified first time home purchases or for higher education expenses. You must meet special conditions to be eligible for these two exceptions to the penalty tax. Those wishing to take a distribution from an IRA for these purposes should consult their tax advisor. Certain other exceptions to the 10% penalty tax not described herein also may apply. Owners, Annuitants, and Beneficiaries are cautioned that the rights of any person to any benefits under Qualified Plans may be subject to the terms and conditions of the plans themselves, regardless of the terms and conditions of the Contract. In addition, the Company shall not be bound by terms and conditions of Qualified Plans to the extent such terms and conditions contradict the Contract, unless the Company consents. Following are brief descriptions of various types of Qualified Plans in connection with which the Company may issue a Contract. INDIVIDUAL RETIREMENT ACCOUNTS AND ANNUITIES Section 408 of the Code permits eligible individuals to contribute to an individual retirement program known as an IRA. If you use this Contract in connection with an IRA, the Owner and Annuitant generally must be the same individual and generally may not be changed. IRAs are subject to limits on the amounts that may be contributed and deducted, on the persons who may be eligible, and on the time when distributions must commence. Also, subject to the direct rollover and mandatory withholding requirements (discussed below), you may "roll over" distributions from certain Qualified Plans on a tax-deferred basis into an IRA. Contracts may also be issued in connection with a "Simplified Employee Pension" or "SEP IRA" under Section 408(i) of the Code. However, you may not use the Contract in connection with a "Coverdell Education Savings Account" (formerly known as an "Education IRA") under Section 530 of the Code, or a "Simple IRA" under Section 408(p) of the Code. ROTH IRAS Section 408A of the Code permits eligible individuals to contribute to a type of IRA known as a "Roth IRA." Roth IRAs are generally subject to the same rules as non-Roth IRAs, but differ in several respects. Among the differences is that, although contributions to a Roth IRA are not deductible, "qualified distributions" from a Roth IRA will be excludable from income. A qualified distribution is a distribution that satisfies two requirements. First, the distribution must be made in a taxable year that is at least five years after the first taxable year for which a contribution to any Roth IRA established for the Owner was made. Second, the distribution must be either (1) made after the Owner attains the age of 59 1/2; (2) made after the Owner's death; (3) attributable to the Owner being disabled; or (4) a qualified first-time homebuyer distribution within the meaning of Section 72(t)(2)(F) of the Code. In addition, distributions from Roth IRAs need not commence when the Owner attains age 70 1/2. A Roth IRA may accept a "qualified rollover contribution" from (1) a non-Roth IRA, (2) a "designated Roth account" maintained under a Qualified Plan, and (3) certain Qualified Plans of eligible individuals. Special rules apply to rollovers to Roth IRAs from Qualified Plans and from designated Roth accounts under Qualified Plans. You should seek competent advice before making such a rollover. IRA TO IRA ROLLOVERS AND TRANSFERS A rollover contribution is a tax-free movement of amounts from one IRA to another within 60 days after you receive the distribution. In particular, a distribution from a non-Roth IRA generally may be rolled over tax-free within 60 days to another non-Roth IRA, and a distribution from a Roth IRA generally may be rolled over tax-free within 60 days to another Roth IRA. A distribution from a Roth IRA may not be rolled over (or transferred) tax-free to a non-Roth IRA. A rollover from any one of your IRAs (including IRAs you have with another company) to another IRA is allowed only once within a one-year period. This limitation applies on an aggregate basis and applies to all types of your IRAs, meaning that you cannot make an IRA to IRA rollover if you have made such a rollover involving any of your IRAs in the preceding one-year period. For example, a rollover between your Roth IRAs would preclude a separate rollover within the one-year period between your non-Roth IRAs, and vice versa. The one-year period begins on the date that you receive the IRA distribution, not the date it is rolled over into another IRA. 46 If the IRA distribution does not satisfy the rollover rules, it may be (1) taxable in the year distributed, (2) subject to a 10% tax on early distributions, and (3) treated as a regular contribution to the recipient IRA, which could result in an excess contribution subject to an additional tax. If you inherit an IRA from your spouse, you generally can roll it over into an IRA established for you, or you can choose to make the inherited IRA your own. If you inherited an IRA from someone other than your spouse, you cannot roll it over, make it your own, or allow it to receive rollover contributions. A rollover from one IRA to another is different from a direct trustee-to-trustee transfer of your IRA assets from one IRA trustee to another IRA trustee. A "trustee-to-trustee" transfer is not considered a rollover and is not subject to the 60-day rollover requirement or the one rollover per year rule. In addition, a rollover between IRAs is different from direct rollovers from certain Qualified Plans to non-Roth IRAs and "qualified rollover contributions" to Roth IRAs, both of which are subject to special rules. PENSION AND PROFIT-SHARING PLANS Section 401(a) of the Code permits employers to establish various types of tax-favored retirement plans for employees. The Self-Employed Individuals' Tax Retirement Act of 1962, as amended, commonly referred to as "H.R. 10" or "Keogh," permits self-employed individuals also to establish such tax-favored retirement plans for themselves and their employees. Such retirement plans may permit the purchase of the Contract in order to provide benefits under the plans. These types of plans may be subject to rules under Sections 401(a)(11) and 417 of the Code that provide rights to a spouse or former spouse of a participant. In such a case, the participant may need the consent of the spouse or former spouse to change settlement options, to elect an automatic withdrawal option, or to make a partial or full surrender of the Contract. TAX-SHELTERED ANNUITIES Section 403(b) of the Code permits employers of public school employees and employees of certain types of charitable organizations specified in Section 501(c)(3) of the Code and certain educational organizations to purchase annuity contracts on behalf of their employees and, subject to certain contribution limitations, exclude the amount of Purchase Payments from gross income for tax purposes. However, such Purchase Payments may be subject to Social Security (FICA) taxes. These annuity contracts are commonly referred to as "Tax-Sheltered Annuities." Effective January 1, 1989, the Contracts have been withdrawn from sale to Qualified Plans which intend to qualify for federal income tax advantages under Section 403(b). DIRECT ROLLOVERS If your Contract is used in connection with a pension or profit-sharing plan qualified under Section 401(a) of the Code, or is used with an eligible deferred compensation plan that has a government sponsor and that is qualified under Section 457(b) of the Code, any "eligible rollover distribution" from the Contract will be subject to direct rollover and mandatory withholding requirements. An eligible rollover distribution generally is any taxable distribution from a qualified pension plan under Section 401(a) of the Code or an eligible Section 457(b) deferred compensation plan that has a government sponsor, excluding certain amounts (such as minimum distributions required under Section 401(a)(9) of the Code, distributions which are part of a "series of substantially equal periodic payments" made for life or a specified period of 10 years or more, or hardship distributions as defined in the tax law). Under these requirements, federal income tax equal to 20% of the eligible rollover distribution will be withheld from the amount of the distribution. Unlike withholding on certain other amounts distributed from the Contract, discussed below, you cannot elect out of withholding with respect to an eligible rollover distribution. However, this 20% withholding will not apply if, instead of receiving the eligible rollover distribution, you elect to have it directly transferred to certain eligible retirement plans (such as an IRA). Prior to receiving an eligible rollover distribution, you will receive a notice (from the plan administrator or the Company) explaining generally the direct rollover and mandatory withholding requirements and how to avoid the 20% withholding by electing a direct transfer. FEDERAL INCOME TAX WITHHOLDING IN GENERAL The Company will withhold and remit to the federal government a part of the taxable portion of each distribution made under a Contract unless the distributee notifies the Company at or before the time of the distribution that he or she elects not to have any amounts withheld. In certain circumstances, the Company may be required to withhold tax. The withholding rates applicable to the taxable portion of periodic annuity payments (other than eligible rollover 47 distributions) are the same as the withholding rates generally applicable to payments of wages. A 10% withholding rate applies to the taxable portion of non-periodic payments (including surrenders prior to the Annuity Starting Date) and conversions of, or rollovers from, non-Roth IRAs and Qualified Plans to Roth IRAs. Regardless of whether you elect not to have federal income tax withheld, you are still liable for payment of federal income tax on the taxable portion of the payment. As discussed above, the withholding rate applicable to eligible rollover distributions is 20%. NONRESIDENT ALIENS AND FOREIGN CORPORATIONS The discussion above provides general information regarding federal withholding tax consequences to annuity contract owners or beneficiaries that are U.S. citizens or residents. Owners or beneficiaries that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. Owners or beneficiaries that are not U.S. citizens or residents are advised to consult with a tax advisor regarding federal tax withholding with respect to the distributions from a Contract. FATCA WITHHOLDING If the payee of a distribution from the Contract is a foreign financial institution ("FFI") or a non-financial foreign entity ("NFFE") within the meaning of the Code as amended by the Foreign Account Tax Compliance Act ("FATCA"), the distribution could be subject to U.S. federal withholding tax on the taxable amount of the distribution at a 30% rate irrespective of the status of any beneficial owner of the Contract or the distribution. The rules relating to FATCA are complex, and a tax advisor should be consulted if an FFI or NFFE is or may be designated as a payee with respect to the Contract. 14. LEGAL PROCEEDINGS MONY Life Insurance Company of America and its affiliates are parties to various legal proceedings. In our view, none of these proceedings would be considered material with respect to a Contract owner's interest in MONY America Variable Account A, nor would any of these proceedings be likely to have a material adverse effect upon MONY America Variable Account A, our ability to meet our obligations under the contracts, or the distribution of the contracts. 15. CYBERSECURITY Our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, so that our business is potentially susceptible to operational and information security risks resulting from a cyber-attack. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service attacks on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, Protective, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Fund Value. For instance, cyber-attacks may interfere with our processing of Contract transactions, including the processing orders from our website or with the Portfolios, impact our ability to calculate Fund Values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Contract due to cyber-attacks or information security breaches in the future. 16. FINANCIAL STATEMENTS The audited financial statements of MONY America Variable Account A and the Company are set forth in the Statement of Additional Information. These financial statements have been audited by PricewaterhouseCoopers LLP, an independent registered public accounting firm. The financial statements of the Company should be considered only as bearing upon the ability of the Company to meet its obligations under the Contracts. You should not consider the financial statements of the Company as affecting investment performance of assets in the Variable Account. PricewaterhouseCoopers LLP also provides independent audit services and certain other non-audit services to the Company as permitted by the applicable SEC independence rules. PricewaterhouseCoopers LLP's offices are located at 569 Brookwood Village, Suite 851, Birmingham, Alabama 35209 and 300 Madison Avenue, New York, New York 10017. 48 ABOUT THE GENERAL ACCOUNT This Contract was offered to customers through various financial institutions, brokerage firms and their affiliate insurance agencies. No financial institution, brokerage firm or insurance agency has any liability with respect to a Contract's account value or any guaranteed benefits with which the Contract was issued. The Company is solely responsible to the Contract owner for the Contract's account value and such guaranteed benefits. The general obligations and any guaranteed benefits under the contract are supported by the Company's general account and are subject to the Company's claims paying ability. An owner should look to the financial strength of the Company for its claims-paying ability. Assets in the general account are not segregated for the exclusive benefit of any particular Contract or obligation. General account assets are also available to the insurer's general creditors and the conduct of its routine business activities, such as the payment of salaries, rent and other ordinary business expenses. For more information about the Company's financial strength, you may review its financial statements and/or check its current rating with one or more of the independent sources that rate insurance companies for their financial strength and stability. Such ratings are subject to change and have no bearing on the performance of the variable investment options. You may also speak with your financial representative. The general account is subject to regulation and supervision by the Insurance Department of the State of Arizona and to the insurance laws and regulations of all jurisdictions where we are authorized to do business. Interests under the contracts in the general account have not been registered and are not required to be registered under the Securities Act of 1933 because of exemptions and exclusionary provisions that apply. The general account is not required to register as an investment company under the Investment Company Act of 1940 and it is not registered as an investment company under the Investment Company Act of 1940. The contract is a "covered security" under the federal securities laws. We have been advised that the staff of the SEC has not reviewed the portions of this prospectus that relate to the general account. The disclosure with regard to the general account, however, may be subject to certain provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. 49 APPENDIX I: CONDENSED FINANCIAL INFORMATION MONY LIFE INSURANCE COMPANY OF AMERICA MONY AMERICA VARIABLE ACCOUNT A ACCUMULATION UNIT VALUES
UNIT VALUE --------------------------------------------------------------------------------------------- DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, SUBACCOUNT 2014 2013 2012 2011 2010 2009 2008 2007 --------------------------------------- ---------- --------- --------- --------- ---------- ---------- ---------- --------- All Asset Growth-Alt 20................ $12.65 $12.52 $11.12 $10.06 $10.57 $9.32 $7.49 $10.90 AXA Aggressive Allocation.............. 11.14 10.79 8.65 7.68 8.41 7.54 6.00 10.01 AXA Conservative Allocation............ 11.25 11.12 10.80 10.47 10.41 9.84 9.08 10.34 AXA Conservative-Plus Allocation....... 11.32 11.12 10.23 9.66 9.86 9.16 8.11 10.21 AXA Large Cap Growth Managed Volatility.......................... 16.07 14.80 11.32 10.04 10.85 9.54 7.57 12.85 AXA/Loomis Sayles Growth............... 16.40 15.42 12.28 11.05 10.89 10.20 7.97 12.04 AXA Mid Cap Value Managed Volatility.......................... 20.46 18.71 14.25 12.18 13.58 11.23 -- -- AXA Moderate Allocation................ 11.16 10.98 9.84 9.17 9.52 8.78 7.60 10.20 AXA Moderate-Plus Allocation........... 11.27 11.01 9.32 8.47 9.03 8.20 6.82 10.13 Charter(SM) Small Cap Growth........... 23.22 24.16 16.57 15.08 18.13 14.40 10.85 18.99 Dreyfus Stock Index Fund, Inc.......... 15.68 14.02 10.76 9.42 9.38 8.27 6.64 10.69 EQ/BlackRock Basic Value Equity........ 17.12 15.82 11.64 10.38 10.86 9.81 7.63 12.19 EQ/Boston Advisors Equity Income....... 19.82 18.48 14.22 12.24 12.46 10.92 9.92 14.85 EQ/Calvert Socially Responsible........ 11.46 10.23 7.72 6.70 6.76 6.07 4.69 8.66 EQ/Capital Guardian Research........... 14.54 13.34 10.26 8.86 8.61 7.52 5.78 9.69 EQ/Core Bond Index..................... 13.19 13.06 13.45 13.21 12.75 12.18 12.00 13.32 EQ/GAMCO Mergers and Acquisitions........................ 15.92 15.87 14.50 13.96 13.96 12.91 11.22 13.20 EQ/GAMCO Small Company Value........... 49.43 48.61 35.42 30.46 32.00 24.45 17.52 25.61 EQ/Intermediate Government Bond........ 13.71 13.69 14.11 14.16 13.60 13.19 -- -- EQ/Large Cap Value Index............... 19.15 17.23 13.27 11.54 -- -- -- -- EQ/MFS International Growth............ 14.39 15.35 13.69 11.60 13.16 11.61 8.57 14.55 EQ/Mid Cap Index....................... 22.11 20.56 15.72 13.61 14.10 11.34 8.41 16.77 EQ/Money Market........................ 10.07 10.21 10.35 10.49 10.63 10.77 10.88 10.77 EQ/Morgan Stanley Mid Cap Growth.............................. 25.30 25.83 18.89 17.61 19.29 14.74 9.49 18.21 EQ/PIMCO Ultra Short Bond.............. 11.80 11.97 12.13 12.11 12.30 12.36 11.60 12.26 EQ/Quality Bond PLUS................... 15.61 15.38 15.95 15.75 15.77 15.05 -- -- EQ/T. Rowe Price Growth Stock.......... 15.74 14.69 10.79 9.20 9.51 8.28 5.88 10.32 EQ/UBS Growth and Income............... 18.12 16.05 12.00 10.78 11.24 10.08 7.71 13.04 Fidelity(R) VIP Contrafund(R) Portfolio 22.82 20.69 15.99 13.93 14.51 12.56 9.38 16.57 Franklin Income VIP Fund............... 21.71 21.04 18.71 16.84 16.67 14.99 11.21 16.15 Franklin Rising Dividends VIP Fund..... 23.39 21.81 17.04 15.43 14.76 12.40 10.71 14.89 Janus Aspen Series Balanced Portfolio........................... 22.15 20.69 17.45 15.57 15.53 14.52 11.69 14.08 Janus Aspen Series Enterprise Portfolio........................... 17.63 15.88 12.16 10.51 10.80 8.70 6.09 10.97 Janus Aspen Series Forty Portfolio..... 19.74 18.41 14.22 11.61 12.61 11.97 8.29 15.05 Janus Aspen Series Global Research Portfolio........................... 12.43 11.73 9.26 7.81 9.18 8.03 5.91 10.83 Oppenheimer Global Fund/VA............. 27.56 27.37 21.85 18.31 20.29 17.77 12.93 21.96 PIMCO Global Bond Portfolio (Unhedged).......................... 18.48 18.31 20.28 19.22 18.11 16.44 14.26 14.57 ProFund VP Bear........................ 2.28 2.69 3.72 4.52 5.03 6.20 8.71 6.31 ProFund VP Rising Rates Opportunity......................... 2.34 3.40 2.96 3.23 5.23 6.32 4.84 7.92 ProFund VP UltraBull................... 26.29 21.62 13.04 10.25 10.92 9.06 6.35 19.74 UNIT VALUE --------------------------------------------------------------------------------------------- DEC. 31, DEC. 31, SUBACCOUNT 2006 2005 --------------------------------------- --------- ---------- All Asset Growth-Alt 20................ $10.57 $9.73 AXA Aggressive Allocation.............. -- -- AXA Conservative Allocation............ -- -- AXA Conservative-Plus Allocation....... -- -- AXA Large Cap Growth Managed Volatility.......................... 11.42 10.58 AXA/Loomis Sayles Growth............... 10.10 9.49 AXA Mid Cap Value Managed Volatility.......................... -- -- AXA Moderate Allocation................ -- -- AXA Moderate-Plus Allocation........... -- -- Charter(SM) Small Cap Growth........... 18.57 17.07 Dreyfus Stock Index Fund, Inc.......... 10.30 9.04 EQ/BlackRock Basic Value Equity........ 12.21 10.24 EQ/Boston Advisors Equity Income....... 14.51 12.68 EQ/Calvert Socially Responsible........ 7.80 -- EQ/Capital Guardian Research........... -- -- EQ/Core Bond Index..................... 13.06 -- EQ/GAMCO Mergers and Acquisitions........................ 12.93 11.69 EQ/GAMCO Small Company Value........... 23.75 20.26 EQ/Intermediate Government Bond........ -- -- EQ/Large Cap Value Index............... -- -- EQ/MFS International Growth............ 12.69 10.24 EQ/Mid Cap Index....................... -- -- EQ/Money Market........................ 10.40 10.07 EQ/Morgan Stanley Mid Cap Growth.............................. -- -- EQ/PIMCO Ultra Short Bond.............. 11.14 11.25 EQ/Quality Bond PLUS................... -- -- EQ/T. Rowe Price Growth Stock.......... 9.75 10.30 EQ/UBS Growth and Income............... 13.06 11.60 Fidelity(R) VIP Contrafund(R) Portfolio 14.29 12.98 Franklin Income VIP Fund............... 15.78 13.53 Franklin Rising Dividends VIP Fund..... 15.51 13.42 Janus Aspen Series Balanced Portfolio........................... 12.91 11.82 Janus Aspen Series Enterprise Portfolio........................... 9.11 8.13 Janus Aspen Series Forty Portfolio..... 11.14 10.32 Janus Aspen Series Global Research Portfolio........................... 10.02 8.59 Oppenheimer Global Fund/VA............. 20.98 18.12 PIMCO Global Bond Portfolio (Unhedged).......................... 13.46 13.04 ProFund VP Bear........................ 6.36 6.97 ProFund VP Rising Rates Opportunity......................... 8.46 7.79 ProFund VP UltraBull................... 19.84 16.34
I-1
UNITS OUTSTANDING --------------------------------------------------------------------------------------------- DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, DEC. 31, SUBACCOUNT 2014 2013 2012 2011 2010 2009 2008 2007 --------------------------------------- --------- ---------- ---------- --------- --------- ---------- ---------- ---------- All Asset Growth-Alt 20................ 1,445,649 1,663,560 1,922,201 2,249,246 2,681,015 3,190,836 3,976,044 5,513,287 AXA Aggressive Allocation.............. 82,101 96,772 111,649 131,557 125,972 109,441 57,982 23,678 AXA Conservative Allocation............ 120,086 119,074 182,536 170,983 221,943 178,106 171,180 25,364 AXA Conservative-Plus Allocation....... 62,394 79,837 85,402 112,840 155,794 158,842 191,867 84,997 AXA Large Cap Growth Managed Volatility.......................... 444,489 511,851 581,025 672,128 814,368 1,015,952 1,340,581 2,049,590 AXA/Loomis Sayles Growth............... 2,278,143 2,602,937 2,928,876 3,408,649 4,022,399 5,040,656 6,247,168 8,542,516 AXA Mid Cap Value Managed Volatility.......................... 297,696 340,596 394,593 486,345 647,302 822,335 -- -- AXA Moderate Allocation................ 234,653 248,206 317,251 358,670 371,177 476,016 592,487 235,127 AXA Moderate-Plus Allocation........... 144,952 171,273 179,305 175,273 269,294 293,026 202,158 44,505 Charter(SM) Small Cap Growth........... 328,485 363,981 411,235 507,768 599,656 773,448 997,235 1,431,540 Dreyfus Stock Index Fund, Inc.......... 1,015,604 1,120,346 1,265,037 1,488,411 1,831,626 2,258,134 3,003,891 4,131,405 EQ/BlackRock Basic Value Equity........ 105,949 120,336 132,606 148,549 181,943 245,928 378,596 588,447 EQ/Boston Advisors Equity Income....... 385,777 421,966 476,308 544,646 661,133 866,996 1,228,517 1,872,979 EQ/Calvert Socially Responsible........ 117,759 130,251 146,303 169,267 204,371 264,142 305,886 392,763 EQ/Capital Guardian Research........... 141,189 156,684 189,628 222,032 277,556 346,955 464,204 704,758 EQ/Core Bond Index..................... 754,099 873,081 1,038,202 1,223,634 1,617,336 2,064,117 770,250 1,462,548 EQ/GAMCO Mergers and Acquisitions........................ 68,861 76,178 89,008 124,211 145,562 181,250 228,727 307,858 EQ/GAMCO Small Company Value........... 799,742 915,072 1,050,951 1,240,734 1,525,805 1,863,329 2,470,253 3,497,734 EQ/Intermediate Government Bond........ 373,457 440,760 529,083 616,021 725,776 946,198 -- -- EQ/Large Cap Value Index............... 182,802 191,422 226,296 262,505 -- -- -- -- EQ/MFS International Growth............ 325,186 356,534 407,540 464,762 566,604 733,386 951,223 1,314,677 EQ/Mid Cap Index....................... 44,747 46,164 47,235 67,501 63,808 72,187 126,854 166,194 EQ/Money Market........................ 651,154 726,367 1,009,821 1,016,824 1,476,653 1,814,818 2,886,956 3,268,106 EQ/Morgan Stanley Mid Cap Growth.............................. 125,229 148,445 181,900 236,450 284,685 314,142 373,739 616,094 EQ/PIMCO Ultra Short Bond.............. 123,962 155,927 200,733 241,075 303,672 462,400 453,559 444,115 EQ/Quality Bond PLUS................... 262,561 305,390 402,636 496,868 678,561 868,263 -- -- EQ/T. Rowe Price Growth Stock.......... 859,762 962,019 1,080,159 1,271,301 1,517,985 1,837,732 2,322,411 3,097,303 EQ/UBS Growth and Income............... 1,019,732 1,147,685 1,288,206 1,545,593 1,877,719 2,301,746 2,986,644 4,058,934 Fidelity(R) VIP Contrafund(R) Portfolio 942,455 1,099,666 1,249,805 1,496,304 1,814,712 2,228,837 2,979,630 4,309,960 Franklin Income VIP Fund............... 226,346 242,047 252,307 307,638 407,327 491,997 711,395 1,026,999 Franklin Rising Dividends VIP Fund..... 119,156 135,596 138,568 165,260 163,952 173,655 246,117 358,103 Janus Aspen Series Balanced Portfolio........................... 670,358 754,473 853,186 1,012,978 1,184,523 1,470,007 1,954,684 2,761,884 Janus Aspen Series Enterprise Portfolio........................... 655,577 726,031 822,747 940,015 1,131,580 1,419,916 1,722,276 2,242,169 Janus Aspen Series Forty Portfolio..... 536,468 619,070 710,450 812,913 1,010,518 1,289,315 1,547,604 1,997,448 Janus Aspen Series Global Research Portfolio........................... 617,406 733,779 827,150 981,953 1,206,618 1,502,931 1,795,688 2,357,570 Oppenheimer Global Fund/VA............. 140,958 146,830 170,316 194,493 240,081 329,171 528,621 879,138 PIMCO Global Bond Portfolio (Unhedged).......................... 98,134 113,409 131,524 144,199 165,708 224,099 311,052 444,312 ProFund VP Bear........................ 40,791 42,169 50,931 43,007 54,582 46,231 117,167 38,052 ProFund VP Rising Rates Opportunity......................... 108,253 86,370 32,762 39,800 45,613 71,161 54,450 96,834 ProFund VP UltraBull................... 37,342 37,644 18,290 50,540 75,957 120,086 67,276 74,392 UNITS OUTSTANDING --------------------------------------------------------------------------------------------- DEC. 31, DEC. 31, SUBACCOUNT 2006 2005 --------------------------------------- ---------- ---------- All Asset Growth-Alt 20................ 7,300,951 9,232,209 AXA Aggressive Allocation.............. -- -- AXA Conservative Allocation............ -- -- AXA Conservative-Plus Allocation....... -- -- AXA Large Cap Growth Managed Volatility.......................... 2,697,953 3,382,866 AXA/Loomis Sayles Growth............... 12,014,014 16,339,010 AXA Mid Cap Value Managed Volatility.......................... -- -- AXA Moderate Allocation................ -- -- AXA Moderate-Plus Allocation........... -- -- Charter(SM) Small Cap Growth........... 2,003,547 2,557,971 Dreyfus Stock Index Fund, Inc.......... 5,268,532 6,734,123 EQ/BlackRock Basic Value Equity........ 162,707 138,603 EQ/Boston Advisors Equity Income....... 2,493,147 3,121,754 EQ/Calvert Socially Responsible........ 491,154 -- EQ/Capital Guardian Research........... -- -- EQ/Core Bond Index..................... 1,907,446 -- EQ/GAMCO Mergers and Acquisitions........................ 355,264 281,983 EQ/GAMCO Small Company Value........... 4,619,713 6,024,921 EQ/Intermediate Government Bond........ -- -- EQ/Large Cap Value Index............... -- -- EQ/MFS International Growth............ 1,619,060 1,680,543 EQ/Mid Cap Index....................... -- -- EQ/Money Market........................ 3,783,141 4,407,396 EQ/Morgan Stanley Mid Cap Growth.............................. -- -- EQ/PIMCO Ultra Short Bond.............. 607,070 800,622 EQ/Quality Bond PLUS................... -- -- EQ/T. Rowe Price Growth Stock.......... 4,266,241 5,964,804 EQ/UBS Growth and Income............... 5,288,888 6,768,008 Fidelity(R) VIP Contrafund(R) Portfolio 4,132,884 4,769,384 Franklin Income VIP Fund............... 1,032,610 924,609 Franklin Rising Dividends VIP Fund..... 418,715 347,075 Janus Aspen Series Balanced Portfolio........................... 3,539,301 4,375,862 Janus Aspen Series Enterprise Portfolio........................... 2,826,266 3,502,925 Janus Aspen Series Forty Portfolio..... 2,485,058 3,187,808 Janus Aspen Series Global Research Portfolio........................... 2,964,196 3,890,586 Oppenheimer Global Fund/VA............. 1,058,049 995,554 PIMCO Global Bond Portfolio (Unhedged).......................... 568,823 672,896 ProFund VP Bear........................ 37,753 32,469 ProFund VP Rising Rates Opportunity......................... 195,027 263,771 ProFund VP UltraBull................... 93,443 123,690
I-2 STATEMENT OF ADDITIONAL INFORMATION TABLE OF CONTENTS MAY 1, 2015 Additional information about the Company....................................................................... 2 About our independent registered public accounting firm........................................................ 2 Sale of the contracts.......................................................................................... 2 Financial statements........................................................................................... 3
If you would like to receive a copy of the MONY America Variable Account A Statement of Additional Information, please return this request to: MONY Life Insurance Company of America Operations Center 5788 Widewaters Parkway Syracuse, New York 13214 1-800-487-6669 www.axa.com. ================================================================================ Please send me a copy of the MONY America Variable Account A Statement of Additional Information. -------------------------------------------------------------------------------- Name -------------------------------------------------------------------------------- Address City State Zip
MLA-CM Guaranteed Interest Account with Market Value Adjustment under Flexible Payment Variable Annuity Contracts PROSPECTUS ISSUED BY DATED MAY 1, 2015 MONY LIFE INSURANCE COMPANY OF AMERICA OPERATIONS CENTER 5788 WIDEWATERS PARKWAY SYRACUSE, NY 13214
MONY Life Insurance Company of America (the "Company") issues the Guaranteed Interest Account with Market Value Adjustment described in this prospectus. The Guaranteed Interest Account with Market Value Adjustment is available only under certain variable annuity contracts that we offer. This Contract is no longer being sold. This prospectus is used with current contract owners only. We will continue to accept Purchase Payments under existing Contracts. You should note that your contract features and charges, and your investment options, may vary depending on your state and/or the date on which you purchased your Contract. For more information about the particular options, features and charges applicable to you, please contact your financial professional and/or refer to your contract. Among the many terms of the Guaranteed Interest Account with Market Value Adjustment are: - Guaranteed interest to be credited for specific periods (referred to as "Accumulation Periods"). - Three (3), five (5), seven (7), and ten (10) year Accumulation Periods are available. - Interest will be credited for the entire Accumulation Period on a daily basis. Different rates apply to each Accumulation Period and are determined by the Company from time to time at its sole discretion. - A market value adjustment may be charged if part or all of the Guaranteed Interest Account with Market Value Adjustment is surrendered or transferred before the end of the Accumulation Period. - Potential purchasers should carefully consider the factors described in "Risk Factors" as well as the other information contained in this prospectus before allocating Purchase Payments or Fund Values to the Guaranteed Interest Account with Market Value Adjustment offered herein. -------------------------------------------------------------------------------- THESE ARE ONLY SOME OF THE TERMS OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT. PLEASE READ THIS PROSPECTUS AND THE PROSPECTUS FOR THE VARIABLE ANNUITY CONTRACT CAREFULLY FOR MORE COMPLETE DETAILS OF THE CONTRACT. -------------------------------------------------------------------------------- THE SECURITIES AND EXCHANGE COMMISSION HAS NOT APPROVED OR DISAPPROVED OF THESE SECURITIES OR DETERMINED IF THIS PROSPECTUS IS ACCURATE OR COMPLETE. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE. THE CONTRACTS ARE NOT INSURED BY THE FDIC OR ANY OTHER AGENCY. THEY ARE NOT DEPOSITS OR OTHER OBLIGATIONS OF ANY BANK AND ARE NOT BANK GUARANTEED. THEY ARE SUBJECT TO INVESTMENT RISKS AND POSSIBLE LOSS OF PRINCIPAL. MLA-GIAMVA 05.15 TABLE OF CONTENTS 1. DEFINITIONS.................................................................................................... 3 2. SUMMARY........................................................................................................ 4 Purpose of the Guaranteed Interest Account with Market Value Adjustment........................................ 4 Purchase Payments.............................................................................................. 4 The Accumulation Periods....................................................................................... 4 Crediting of interest.......................................................................................... 4 The Market Value Adjustment.................................................................................... 5 Transfers, Surrenders and Loans................................................................................ 5 Death Benefit.................................................................................................. 7 Other provisions of the contract............................................................................... 7 3. RISK FACTORS................................................................................................... 7 4. DESCRIPTION OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT.................................... 7 General........................................................................................................ 7 Allocations to the Guaranteed Interest Account with Market Value Adjustment.................................... 8 Specified interest rates and the accumulation periods.......................................................... 8 End of accumulation periods.................................................................................... 9 The Market Value Adjustment.................................................................................... 10 Contract charges............................................................................................... 11 Guaranteed Interest Account at annuitization................................................................... 11 5. FEDERAL TAX STATUS............................................................................................. 11 Introduction................................................................................................... 11 Taxation of annuities in general............................................................................... 11 Retirement plans............................................................................................... Tax treatment of the Company................................................................................... 6. INVESTMENTS.................................................................................................... 17 7. CONTRACTS AND THE DISTRIBUTION OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT................. 18 8. MONY LIFE INSURANCE COMPANY OF AMERICA......................................................................... 21 9. LEGAL PROCEEDINGS.............................................................................................. 22 10. ADDITIONAL INFORMATION......................................................................................... 22 APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA
2 1. DEFINITIONS ACCUMULATION PERIOD -- Currently 3, 5, 7 and 10 years. The Accumulation Period starts on the Business Day and falls on, or next follows the date the Purchase Payment is transferred into the Guaranteed Interest Account with Market Value Adjustment and ends on the monthly Contract Anniversary immediately prior to the last day of that Accumulation Period. ANNUITANT -- The person upon whose continuation of any life annuity payment depends. ANNUITY STARTING DATE -- Attainment of age 95, or at the discretion of the Owner of the Contract, a date that is at least ten years from the Effective Date of the Contract. BUSINESS DAY -- Our "business day" is generally any day the New York Stock Exchange is open for regular trading and generally ends at 4.00 p.m. Eastern Time (or as of an earlier close of regular trading). A business day does not include a day on which we are not open due to emergency conditions determined by the Securities and Exchange Commission. We may also close early due to such emergency conditions. CASH VALUE -- The Contract's Fund Value, less (1) any applicable Surrender Charge, (2) any outstanding debt, and (3) any applicable market value adjustment. CODE -- The Internal Revenue Code of 1986, as amended. COMPANY -- MONY Life Insurance Company of America, the issuer of the Contract. CONTRACT -- Individual Flexible Payment Variable Annuity Contract. CONTRACT ANNIVERSARY -- An anniversary of the Effective Date of the Contract. CONTRACT YEAR -- Any period of twelve (12) months commencing with the Effective Date and each Contract Anniversary hereafter. EFFECTIVE DATE -- The date the contract begins as shown in the Contract. FUND VALUE -- The aggregate dollar value as of any Business Day of all amounts accumulated under each of the Subaccounts, the Guaranteed Interest Account, and the Loan Account of the Contract. GENERAL ACCOUNT -- The General Account of the Company which consists of all of the Company's assets other than those assets allocated to the Company's separate accounts. GUARANTEED INTEREST ACCOUNT -- An account which is part of the General Account. LOAN -- Available under a Contract issued under Section 401(k) of the Code; subject to availability. To be considered a Loan: (1) the term must be no more than five years, (2) repayments must be at least quarterly and substantially level, and (3) the amount is limited to dollar amounts specified by the Code, not to exceed 50% of the Fund Value. LOAN ACCOUNT -- A part of the General Account where Fund Value is held as collateral for a loan. An Owner may transfer Fund Value in the Subaccounts, and/or Guaranteed Interest Account with Market Value Adjustment to the Loan Account. MARKET VALUE ADJUSTMENT -- An amount added to or deducted from the amount surrendered or transferred from the Guaranteed Interest Account with Market Value Adjustment for contracts issued in certain states. MONTHLY CONTRACT ANNIVERSARY -- The date of each month corresponding to the Effective Date of the Contract. For example, for a Contract with a June 15 Effective Date, the Monthly Contract Anniversary is the 15th of each month. If a Contract's Effective Date falls on the 29th, 30th or 31st day of a month, the Monthly Contract Anniversary will be the earlier of that day or the last day of the particular month in question. OWNER -- The person so designated in the application to whom all rights, benefits, options, and privileges apply while the Annuitant is living. If a Contract has been absolutely assigned, the assignee becomes the Owner. PURCHASE PAYMENT -- An amount paid to the Company by the Owner or on the Owner's behalf as consideration for the benefits provided by the Contract. SUBACCOUNT -- A division of MONY America Variable Account A. SURRENDER CHARGE -- A deferred sales load, expressed as a percentage of Fund Value surrendered. 3 2. SUMMARY This summary provides you with a brief overview of the more important aspects of the Contract's Guaranteed Interest Account with market value adjustment. It is not intended to be complete. More detailed information is contained in this prospectus on the pages following this summary and in the Contract. This summary and the entire prospectus will describe only the Guaranteed Interest Account with market value adjustment. Other parts of the Contract are described in the Contract and in the prospectus for that contract. Before allocating your purchase payments to the Guaranteed Interest Account with market value adjustment, We urge you to read both prospectuses carefully. PURPOSE OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT The Guaranteed Interest Account with Market Value Adjustment is designed to provide you with an opportunity to receive a guaranteed fixed rate of interest. You can choose the period of time over which the guaranteed fixed rate of interest will be paid. That period of time is known as the Accumulation Period. The Guaranteed Interest Account with Market Value Adjustment is also designed to provide you with the opportunity to transfer part or all of the Guaranteed Interest Account with Market Value Adjustment to the Subaccounts available to you under the Contract. It is also designed to provide you with the opportunity to surrender part or all of the Guaranteed Interest Account with Market Value Adjustment before the end of the Accumulation Period. If you ask us to transfer or surrender part or all of the Guaranteed Interest Account, we may apply a market value adjustment ("MVA"). This adjustment may be positive, negative, or zero. PURCHASE PAYMENTS The Purchase Payments you make for the Contract are received by the Company. Currently earnings on those Purchase Payments are not subject to taxes imposed by the U.S. Government or any state or local government. You may allocate all or part of your Purchase Payments to the Guaranteed Interest Account with Market Value Adjustment. THE ACCUMULATION PERIODS There are 4 different Accumulation Periods currently available: a 3-year Accumulation Period, a 5-year Accumulation Period, a 7-year Accumulation Period, and a 10-year Accumulation Period. You may allocate initial or additional Purchase Payments made under the Contract to one or more Accumulation Periods. You may also ask us to transfer Fund Values from the Subaccounts available under the Contract to one or more of the Accumulation Periods subject to any applicable MVA. There is no minimum amount required for allocation or transfer to an Accumulation Period. (See "Allocations to the Guaranteed Interest Account with Market Value Adjustment.") Each Accumulation Period starts on the Business Day that falls on, or next follows, the date on which allocations are made and Purchase Payments are received or Fund Values are transferred. Each Accumulation Period ends on the Monthly Contract Anniversary immediately prior to the 3, 5, 7 or 10 year anniversary of the start of the Accumulation Period (the "Maturity Date"). This means that the Accumulation Period for a 3, 5, 7 or 10 year Accumulation Period may be up to 31 days shorter than 3, 5, 7 or 10 years, respectively. (See "Specified interest rates and the accumulation periods.") CREDITING OF INTEREST The Company will credit amounts allocated to an Accumulation Period with interest at an annual rate not less than 3.50%. This interest rate is referred to as the Specified Interest Rate. It will be credited for the duration of the Accumulation Period. Specified Interest Rates for each Accumulation Period are declared periodically at the sole discretion of the Company. (See "Specified interest rates and the accumulation periods.") At least 15 days and at most 45 days prior to the Maturity Date of an Accumulation Period, Owners having Fund Values allocated to such Accumulation Periods will be notified of the impending Maturity Date. Owners will then have the option of directing the surrender or transfer (including transfers for the purpose of obtaining a Loan) of the Fund Value within 30 days before the end of the Accumulation Period without application of any MVA. The Specified Interest Rate will be credited to amounts allocated to an Accumulation Period, so long as such allocations are neither surrendered nor transferred prior to the Maturity Date for the Allocation Period. The Specified Interest Rate is credited daily, providing an annual effective yield. (See "Specified interest rates and the accumulation periods.") 4 THE MARKET VALUE ADJUSTMENT Amounts that are surrendered or transferred (including transfers for the purpose of obtaining a Loan) from an Accumulation Period more than 30 days before the Maturity Date will be subject to an MVA. An MVA will not apply upon annuitization or upon payment of a death benefit. The MVA is determined through the use of a factor, which is known as the MVA Factor. This factor is discussed in detail in the section entitled "The Market Value Adjustment." The MVA could cause an increase or decrease or no change at all in the amount of the distribution from an Accumulation Period. TRANSFERS, SURRENDERS AND LOANS When you as Owner request that Contract Fund Value from the Guaranteed Interest Account with Market Value Adjustment be transferred to MONY America Variable Account A, surrendered, loaned to you, or used to pay any charge imposed in accordance with the Contract, you should tell the Company the source by interest rate Accumulation Period of amounts you request be transferred, surrendered, loaned, or used to pay charges. We will not process the surrender unless you tell us the source by interest rate Accumulation Period to use. If you do not specify an Accumulation Period, your transaction will be processed using the Accumulation Periods in the order in which money was most recently allocated. TRANSFERS Transfers may be made from the Guaranteed Interest Account with Market Value Adjustment at any time, but, if they are made before the end of the 3, 5, 7, or 10 year accumulation period there will be a market value adjustment for contracts issued in most states. If the transfer request is received within 30 days before the end of the Accumulation Period, no market value adjustment will apply. If multiple Accumulation Periods are in effect, your transfer request must specify from which Accumulation Period(s) we are to make the transfer. Contracts issued in Maryland, Massachusetts, New Jersey, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas and Washington with Fund Value must maintain a minimum Fund Value in the Guaranteed Interest Account with Market Value Adjustment of $2,500. SURRENDERS The Owner may elect to make a surrender of all or part of the Contract's Fund Value provided it is: - on or before the annuity payments start, and - during the lifetime of the Annuitant. Any such election shall specify the amount of the surrender. The surrender will be effective on the date a proper written request is received by the Company at its Operations Center. The amount of the surrender may be equal to the Contract's Cash Value, which is its Fund Value less: (1) any applicable surrender charge, and (2) any applicable Market Value Adjustment. The surrender may also be for a lesser amount (a "partial surrender"). Requested partial surrenders that would leave a Cash Value of less than $1,000 are treated and processed as a full surrender. In such case, the entire Cash Value will be paid to the Owner. For a partial surrender, any surrender charge or any applicable Market Value Adjustment will be in addition to the amount requested by the Owner. A partial surrender may reduce your death benefit proportionately by the same percentage that the surrender (including any surrender charge and any market value adjustment, if applicable) reduced Fund Value. A surrender will result in the cancellation of units of the particular subaccounts and the withdrawal of amounts credited to the Guaranteed Interest Account with Market Value Adjustment Accumulation Periods as chosen by the Owner. The aggregate value of the surrender will be equal to the dollar amount of the surrender plus, if applicable, any surrender charge and any applicable Market Value Adjustment. For a partial surrender, the Company will cancel units of the particular subaccounts and withdraw amounts from the Guaranteed Interest Account with Market Value Adjustment Accumulation Period under the allocation specified by the Owner. The unit value will be calculated as of the end of the Business Day the surrender request is received. The Owner can specify partial surrender allocations by either amount or percentage. Allocations by percentage must be in whole percentages (totaling 100%). The 5 minimum percentage of allocation for a partial surrender is 10% of any subaccount or Guaranteed Interest Account with Market Value Adjustment designated by the Owner. The request will not be accepted if: - there is insufficient Fund Value in the Guaranteed Interest Account with Market Value Adjustment or a subaccount to provide for the requested allocation against it, or - the request is incomplete or incorrect. Any surrender charge will be allocated against the Guaranteed Interest Account with Market Value Adjustment and each subaccount in the same proportion that each allocation bears to the total amount of the partial surrender. Contracts issued in Maryland, the Commonwealth of Massachusetts, New Jersey, Oklahoma, Oregon, the Commonwealth of Pennsylvania, South Carolina, Texas and Washington must maintain a minimum Fund Value in the Guaranteed Interest Account with Market Value Adjustment of $2,500. The amount of any surrender, death benefit, or transfer payable from MONY America Variable Account A amount will be paid in accordance with the requirements of the 1940 Act. However, the Company may be permitted to postpone such payment under the 1940 Act. Postponement is currently permissible only for any period during which: (1) the New York Stock Exchange is closed other than customary weekend and holiday closings, or (2) trading on the New York Stock Exchange is restricted as determined by the Securities and Exchange Commission, or (3) an emergency exists as a result of which disposal of securities held by the Fund is not reasonably practicable or it is not reasonably practicable to determine the value of the net assets of the Fund. Any surrender involving payment from amounts credited to the Guaranteed Interest Account with Market Value Adjustment may be postponed, at the option of the Company, for up to 6 months from the date the request for a surrender is received by the company. Surrenders involving payment from the Guaranteed Interest Account with Market Value Adjustment may in certain circumstances and in certain states also be subject to a Market Value Adjustment, in addition to a surrender charge. The tax results of a surrender should be carefully considered. (See "Federal tax status.") Please note: If mandated under applicable law, we may be required to reject a Purchase Payment. In addition, we may also be required to block an Owner's account and thereby refuse to honor any request for transfers, partial surrenders, loans or death benefits until instructions are secured from the appropriate regulator. We may also be required to provide additional information about your account to government regulators. LOANS Qualified Contracts issued under an Internal Revenue Code Section 401(k) plan will have a loan provision (except in the case of Contracts issued in Vermont) under which a loan can be taken using the Contract as collateral for the loan. All of the following conditions apply in order for the amount to be considered a loan, rather than a (taxable) partial surrender: - The term of the loan generally must be 5 years or less. - Repayments are required at least quarterly and must be substantially level. - The loan amount is limited to certain dollar amounts as specified by the IRS. The Owner (Plan Trustee) must certify that these conditions are satisfied. Loans could have tax consequences. (See "Federal tax status.") In any event, the maximum outstanding loan on a Contract is 50% of the Fund Value in the subaccounts and/or the Guaranteed Interest Account with Market Value Adjustment. Loans are not permitted before the end of the right to return contract period. In requesting a loan, the Owner must specify the subaccounts from which Fund Value equal to the amount of the loan requested will be taken. Loans from the Guaranteed Interest Account with Market Value Adjustment are not taken until Fund Value in the subaccounts is exhausted. If in order to provide the Owner with the amount of the loan requested, and Fund Values must be taken from the Guaranteed Interest Account with Market Value Adjustment, then the Owner must specify the Accumulation Periods from which Fund Values equal to such amount will be taken. If the Owner fails to specify subaccounts and Accumulation Periods, the request for a loan will be returned to the Owner. 6 Values are transferred to a loan account that earns interest at an annual rate of 3.50%. The annual loan interest rate charged on outstanding loans will be 6% in arrears. Any interest not paid when due will be added to the loan and bear interest at the 6% annual rate. Loan repayments must be specifically earmarked as loan repayment and will be allocated to the subaccounts and/or the Guaranteed Interest Account with Market Value Adjustment using the most recent payment allocation on record. Otherwise, we will treat the payment as a Net Purchase Payment. DEATH BENEFIT Upon payment of a death benefit, if there are funds allocated to the Guaranteed Interest Account with Market Value Adjustment at the time of death, any applicable market value adjustment will be waived. OTHER PROVISIONS OF THE CONTRACT This summary and this prospectus do not describe the other provisions of the Contract. Please refer to the prospectus for MONY America Variable Account A and to the Contract for the details of these provisions. 3. RISK FACTORS Potential purchasers should carefully consider the factors described in this section as well as the other information contained in this prospectus before allocating Purchase Payments or Fund Values to the Guaranteed Interest Account with Market Value Adjustment offered herein. Such Risk factors include: (i) the risk of losses on real estate and commercial mortgage loans, (ii) other risks relating to the Company's investment portfolio that could affect the profitability of the Company, (iii) the risk that interest rate changes could make certain of the Company's products less profitable to the Company or less attractive to customers, (iv) risks with respect to certain sales practice litigation that could result in substantial judgments against the Company, (v) the risk of increased surrenders of certain annuities as the Surrender Charges with respect to such annuities expire that could eliminate sources of revenues (charges under the annuities) and/or exhaust the Company's liquid assets and force the Company to liquidate other assets, perhaps on unfavorable terms, (vi) risks associated with certain economic and market factors, (vii) the risk of variations in claims experience that could be different than the assumptions management used in pricing the Company's products, (viii) risks related to certain insurance regulatory matters -- i.e., that certain issues raised during examinations of the Company could have a material impact on the Company, (ix) risks of competition, (x) risks with respect to claims paying ability ratings and financial strength ratings that could adversely affect the Company's ability to compete, and (xi) risks of potential adoption of new Federal income tax legislation that could adversely affect the Company and its ability to compete with non-insurance products and the demand for certain insurance products. 4. DESCRIPTION OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT GENERAL The Guaranteed Interest Account with Market Value Adjustment is an allocation option available under certain variable annuity contracts issued by the Company. Not all of the variable annuity contracts issued by the Company offer the Guaranteed Interest Account with Market Value Adjustment, nor is the Guaranteed Interest Account with Market Value Adjustment available in every state jurisdiction. The variable annuity contract that offers the Guaranteed Interest Account with Market Value Adjustment clearly discloses whether the Guaranteed Interest Account with Market Value Adjustment is available as an allocation choice to the Owner. If the Guaranteed Interest Account with Market Value Adjustment is available under a variable annuity issued by the Company, the prospectus for the variable annuity contract and this prospectus must be read carefully together in the same manner that prospectuses for underlying mutual funds must be read with the prospectus for the contracts. 7 The guarantees associated with the Guaranteed Interest Account with Market Value Adjustment are borne exclusively by the Company. The guarantees associated with the Guaranteed Interest Account with Market Value Adjustment are legal obligations of the Company. Fund Values allocated to the Guaranteed Interest Account with Market Value Adjustment are held in the General Account of the Company. Amounts allocated to the General Account of the Company are subject to the liabilities arising from the business the Company conducts. The Company has sole investment discretion over the investment of the assets of its General Account. Owners having allocated amounts to a particular Accumulation Period of the Guaranteed Interest Account with Market Value Adjustment, however, will have no claim against any particular assets of the Company. The Guaranteed Interest Account with Market Value Adjustment provides for a Specified Interest Rate, which is a guaranteed interest rate that will be credited as long as any amount allocated to the Guaranteed Interest Account with Market Value Adjustment is not distributed for any reason prior to the Maturity Date of the particular Accumulation Period chosen by the Owner. Generally, a 3-year Accumulation Period offers guaranteed interest at a Specified Interest Rate over three years, a 5-year Accumulation Period offers guaranteed interest at a Specified Interest Rate over five years, and so on. Because the Maturity Date is the Monthly Contract Anniversary immediately prior to the 3, 5, 7 or 10 year anniversary of the start of the Accumulation Period, the Accumulation Period may be up to 31 days shorter than the 3, 5, 7 or 10 years, respectively. Although the Specified Interest Rate will continue to be credited as long as Fund Value remains in an Accumulation Period of the Guaranteed Interest Account with Market Value Adjustment prior to the Maturity Date of that Accumulation Period, surrenders or transfers (including transfers to the Loan Account as a result of a request by the Owner for a Loan) will be subject to a Market Value Adjustment, as described below. Market Value Adjustments do not apply upon annuitization or upon payment of a death benefit. ALLOCATIONS TO THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT There are three sources from which allocations to the Guaranteed Interest Account with Market Value Adjustment may be made: (1) an initial Purchase Payment made under a Contract may be wholly or partially allocated to the Guaranteed Interest Account with Market Value Adjustment; (2) a subsequent or additional Purchase Payment made under a Contract may be partially or wholly allocated to the Guaranteed Interest Account with Market Value Adjustment; and (3) amounts transferred from Subaccounts available under the Contract may be wholly or partially allocated to the Guaranteed Interest Account with Market Value Adjustment. There is no minimum amount of any allocation of either Purchase Payments or transfers of Fund Value to the Guaranteed Interest Account with Market Value Adjustment. The Contract provides that the prior approval of the Company is required before it will accept a Purchase Payment where, with that Purchase Payment, cumulative Purchase Payments made under the Contract held by the Owner, less the amount of any prior partial surrenders and their Surrender Charges, the MVA, and any debt, exceed $1,500,000. This limit applies to the aggregate of Fund Values in the Guaranteed Interest Account with Market Value Adjustment, the Subaccounts and the Loan Account of the Contract. SPECIFIED INTEREST RATES AND THE ACCUMULATION PERIODS SPECIFIED INTEREST RATES The Specified Interest Rate, at any given time, is the rate of interest guaranteed by the Company to be credited to allocations made to the Accumulation Period for the Guaranteed Interest Account with Market Value Adjustment chosen by the Owner, so long as no portion of the allocation is distributed for any reason prior to the Maturity Date of the Accumulation Period. Different Specified Interest Rates may be established for the four different Accumulation Periods which are currently available (3, 5, 7 and 10 years). The Company declares Specified Interest Rates for each of the available Accumulation Periods from time to time. Normally, new Specified Interest Rates will be declared monthly; however, depending on interest rate fluctuations, declarations of new Specified Interest Rates may occur more or less frequently. The Company observes no specific method in the establishment of the Specified Interest Rates, but generally will attempt to declare Specified Interest Rates which are related to interest rates associated with fixed-income investments available at the time and having durations and cash flow attributes compatible with the Accumulation Periods then available for the Guaranteed Interest Account with Market Value Adjustment. In addition, the establishment of Specified Interest Rates may be influenced by other factors, including competitive considerations, administrative costs and general economic trends. The Company has no way of predicting what Specified Interest Rates may be declared in the future and there is no 8 guarantee that the Specified Interest Rate for any of the Accumulation Periods will exceed the guaranteed minimum effective annual interest rate of 3.50%. OWNERS BEAR THE RISK THAT THE SPECIFIED INTEREST RATE WILL NOT EXCEED THE GUARANTEED MINIMUM RATE. The period of time during which a particular Specified Interest Rate is in effect for new allocations to the then available Accumulation Periods is referred to as the Investment Period. All allocations made to an Accumulation Period during an Investment Period are credited with the Specified Interest Rate in effect. An Investment Period ends only when a new Specified Interest Rate relative to the Accumulation Period in question is declared. Subsequent declarations of new Specified Interest Rates have no effect on allocations made to Accumulation Periods during prior Investment Periods. All such prior allocations will be credited with the Specified Interest Rate in effect when the allocation was made for the duration of the Accumulation Period selected. Information concerning the Specified Interest Rates in effect for the various Accumulation Periods can be obtained by contacting an agent of the Company who is also a registered representative of AXA Advisors, LLC or by calling the following toll free telephone number: (800) 487-6669. The Specified Interest Rate is credited on a daily basis to allocations made to an Accumulation Period elected by the Owner, resulting in an annual effective yield which is guaranteed by the Company, unless amounts are surrendered, transferred or paid out on death of Annuitant from that Accumulation Period for any reason prior to the Maturity Date for that Accumulation Period. The Specified Interest Rate will be credited for the entire Accumulation Period. If amounts are surrendered or transferred from the Accumulation Period for any reason prior to the Maturity Date, a Market Value Adjustment will be applied to the amount surrendered or transferred. ACCUMULATION PERIODS For each Accumulation Period, the Specified Interest Rate in effect at the time of the allocation to that Accumulation Period is guaranteed. An Accumulation Period always ends on a Maturity Date, which is the Monthly Contract Anniversary immediately prior to the 3, 5, 7 or 10 year anniversary of the start of the Accumulation Period. Therefore, the Specified Interest Rate may be credited for up to 31 days less than the full 3, 5, 7 or 10 years. For example, if the Effective Date of a Contract is August 10, 2000 and an allocation is made to a 10 year Accumulation Period on August 15, 2000 and the funds for a new Purchase Payment are received on that day, the Accumulation Period will begin on August 15, 2000 and end on August 10, 2010, during which period the Specified Interest Rate will be credited. All Accumulation Periods for the 3, 5, 7, and 10 year Accumulation Periods, respectively, will be determined in a manner consistent with the foregoing example. END OF ACCUMULATION PERIODS At least fifteen days and at most forty-five days prior to the end of an Accumulation Period, the Company will send notice to the Owner of the impending Maturity Date. The notice will include the projected Fund Value held in the Accumulation Period on the Maturity Date and will specify the various options Owners may exercise with respect to the Accumulation Period: (1) During the thirty-day period before the Maturity Date, the Owner may wholly or partially surrender the Fund Value held in that Accumulation Period without a Market Value Adjustment; however, Surrender Charges under the Contract, if applicable, will be assessed. (2) During the thirty-day period before the Maturity Date, the Owner may wholly or partially transfer the Fund Value held in that Accumulation Period, without a Market Value Adjustment, to any Subaccount then available under the Contract or may elect that the Fund Value held in that Accumulation Period be held for an additional Accumulation Period of the same number of years or for another Accumulation Period of a different number of years which may at the time be available. A confirmation of any such transfer or election will be sent immediately after the transfer or election is processed. (3) If the Owner does not make an election within thirty days following the Maturity Date, the entire Fund Value held in the maturing Accumulation Period will be transferred to an Accumulation Period of the same number of years as the Accumulation Period which matured. The start of the new Accumulation Period is the ending date of the previous Accumulation Period. However, if that period would extend beyond the Annuity Starting Date of the Contract or if that period is not then made available by the Company, the Fund Value held in the maturing Accumulation Period will be automatically transferred to the Money Market Subaccount at the end of the Maturity Period. A confirmation will be sent immediately after the automatic transfer is executed. 9 During the thirty-day period following the Maturity Date, and prior to any of the transactions set forth in (1), (2), or (3) above, the Specified Value held in the maturing Accumulation Period will continue to be credited with the Specified Interest Rate in effect before the Maturity Date. THE MARKET VALUE ADJUSTMENT GENERAL INFORMATION REGARDING THE MVA A surrender or transfer (including a transfer to the Loan Account as a result of a request by the Owner for a Loan) from the Guaranteed Interest Account with Market Value Adjustment prior to the Maturity Date of that particular Accumulation Period, will be subject to a Market Value Adjustment. A Market Value Adjustment will not apply upon annuitization or upon payment of a death benefit. The Market Value Adjustment is determined by the multiplication of an MVA Factor by the Specified Value, or the portion of the Specified Value being surrendered or transferred (including transfers for the purpose of obtaining a Loan). The Specified Value is the amount of the allocation of Purchase Payments and transfers of Fund Value to an Accumulation Period of the Guaranteed Interest Account with Market Value Adjustment, plus interest accrued at the Specified Interest Rate minus prior distributions. The Market Value Adjustment may either increase or decrease the amount of the distribution. It will not apply to requests for transfer or full or partial surrenders received at our Operations Center within 30 days before the end of the applicable Accumulation Period. The Market Value Adjustment is intended to approximate, without duplicating, the experience of the Company when it liquidates assets in order to satisfy contractual obligations. Such obligations arise when Owners request surrenders or transfers (including transfers for the purpose of obtaining a Loan). When liquidating assets, the Company may realize either a gain or a loss. If prevailing interest rates are higher at the time of a surrender or transfer (including transfers for the purpose of obtaining a Loan) than the Specified Interest Rate in effect at the time the Accumulation Period commences, the Company will realize a loss when it liquidates assets in order to process a surrender or transfer (including transfers for the purpose of obtaining a Loan); therefore, application of the Market Value Adjustment under such circumstances will decrease the amount of the surrender or transfer (including transfers for the purpose of obtaining a Loan). Generally, if prevailing interest rates are lower than the Specified Interest Rate in effect at the time the Accumulation Period commences, the Company will realize a gain when it liquidates assets in order to process a surrender or transfer (including transfers for the purpose of obtaining a Loan); therefore, application of the MVA under such circumstances will generally increase the amount of the surrender or transfer (including transfers for the purpose of obtaining a Loan). The Company measures the relationship between prevailing interest rates and the Specified Interest Rates it declares through the MVA Factor. The MVA Factor is described more fully below. THE MVA FACTOR The formula for determining the MVA Factor is: [(1+a)/(1+b)]/((n-t)/12)/-1 Where: a = the Specified Interest Rate for the Accumulation Period from which the surrender, transfer or loan is to be taken; b = the Specified Interest Rate declared at the time a surrender or transfer is requested for an Accumulation Period equal to the time remaining in the Accumulation Period from which the surrender or transfer (including transfer to the Loan Account as a result of a request by the Owner for a Loan) is requested, plus 0.25%; n = the Accumulation Period from which the surrender or transfer occurs in months; and t = the number of elapsed months (or portion thereof) in the Accumulation Period from which the surrender or transfer occurs.
If an Accumulation Period equal to the time remaining is not issued by the Company, the rate will be an interpolation between two available Accumulation Periods. If two such Accumulation Periods are not available, we will use the rate for the next closest available Accumulation Period. 10 If the Company is no longer declaring rates on new payments, we will use Treasury yields adjusted for investment risk as the basis for the Market Value Adjustment. The MVA Factor shown above also accounts for some of the administrative and processing expenses incurred when fixed-interest investments are liquidated. This is represented in the addition of 0.25% in the MVA Factor. The MVA Factor will be multiplied by that portion of the Fund Value being surrendered, transferred, or distributed for any other reason. If the result is greater than 0, a gain will be realized by the Owner; if less than 0, a loss will be realized. If the MVA Factor is exactly 0, no gain or loss will be realized by the Owner. CONTRACT CHARGES The Contracts under which the Guaranteed Interest Account with Market Value Adjustment are made available have various fees and charges, some of which may be assessed against allocations made to the Guaranteed Interest Account with Market Value Adjustment. Surrender Charges, if applicable, will be assessed against full or partial surrenders from the Guaranteed Interest Account with Market Value Adjustment. If any such surrender occurs prior to the Maturity Date for any particular Accumulation Period elected by the Owner, the amount surrendered will be subject to a Market Value Adjustment in addition to Surrender Charges. The variable annuity prospectus fully describes the Surrender Charges. Please refer to the variable annuity prospectus for complete details regarding the Surrender Charges under the Contracts. Mortality and expense risk charges which may be assessed under Contracts will not be assessed against any allocation to the Guaranteed Interest Account with Market Value Adjustment. Such charges apply only to the Fund Value allocated to the Subaccounts. GUARANTEED INTEREST ACCOUNT AT ANNUITIZATION On the Annuity Starting Date, the Contract's Cash Value, including the Specified Value of all Accumulation Periods of the Guaranteed Interest Account with Market Value Adjustment, will be applied to provide an annuity or any other option previously chosen by the Owner and permitted by the Company. Because the Annuity Starting Date will always coincide with or follow the Maturity Date of any Guaranteed Interest Account with Market Value Adjustment, no Market Value Adjustment will apply at annuitization. For more information about annuitization and annuity options, please refer to the prospectus for MONY America Variable Account A and to the Contract. 5. FEDERAL TAX STATUS INTRODUCTION The following discussion of the federal income tax treatment of the Contract is not exhaustive, does not purport to cover all situations, and is not intended as tax advice. The federal income tax treatment of the Contract is unclear in certain circumstances, and you should always consult a qualified tax adviser regarding the application of law to individual circumstances. This discussion is based on the Code, Treasury Department regulations, and interpretations existing on the date of this Prospectus. These authorities, however, are subject to change by Congress, the Treasury Department, and judicial decisions. This discussion does not address state or local tax consequences associated with the purchase of the Contract. In addition, THE COMPANY MAKES NO GUARANTEE REGARDING ANY TAX TREATMENT -- FEDERAL, STATE OR LOCAL -- OF ANY CONTRACT OR OF ANY TRANSACTION INVOLVING A CONTRACT. THE COMPANY'S TAX STATUS The Company is taxed as a life insurance company under the Code. The assets underlying the Guaranteed Interest Account with Market Value Adjustment are owned by the Company, and the income derived from such assets will be includible in the Company's income for federal income tax purposes. TAXATION OF ANNUITIES IN GENERAL TAX DEFERRAL DURING ACCUMULATION PERIOD Under existing provisions of the Code, except as described below, any increase in an Owner's Fund Value is generally not taxable to the Owner until received, either in the form of annuity payments as contemplated by the Contracts, or in some other form of distribution. 11 NONNATURAL OWNER As a general rule, Contracts held by "nonnatural persons" such as a corporation, trust or other similar entity, as opposed to a natural person, are not treated as annuity contracts for federal tax purposes. The income on such Contracts (as defined in the tax law) is taxed as ordinary income that is received or accrued by the Owner of the Contract during the taxable year. There are several exceptions to this general rule for nonnatural Owners. First, Contracts will generally be treated as held by a natural person if the nominal owner is a trust or other entity which holds the Contract as an agent for a natural person. Thus, if a group Contract is held by a trust or other entity as an agent for certificate owners who are individuals, those individuals should be treated as owning an annuity for federal income tax purposes. However, this special exception will not apply in the case of any employer who is the nominal owner of a Contract under a non-qualified deferred compensation arrangement for its employees. In addition, exceptions to the general rule for nonnatural Owners will apply with respect to: (1) Contracts acquired by an estate of a decedent by reason of the death of the decedent; (2) certain Qualified Contracts; (3) Contracts purchased by employers upon the termination of certain Qualified Plans; (4) certain Contracts used in connection with structured settlement agreements; and (5) Contracts purchased with a single purchase payment when the annuity starting date is no later than a year from purchase of the Contract and substantially equal periodic payments are made, not less frequently than annually, during the annuity period. DELAYED ANNUITY PAYMENT DATES If the date annuity payments start under the Contract occurs (or is scheduled to occur) at a time when the Annuitant has reached an advanced age (E.G., past age 95), it is possible that the Contract would not be treated as an annuity for federal income tax purposes. In that event, the income and gains under the Contract could be currently includable in the Owner's income. The remainder of this discussion assumes that the Contract will be treated as an annuity contract for federal income tax purposes. TAXATION OF SURRENDERS AND PARTIAL SURRENDERS In the case of a partial surrender, amounts you receive are generally includable in income to the extent your "cash surrender value" before the partial surrender exceeds your "investment in the contract" (defined below). All amounts includable in income with respect to the Contract are taxed as ordinary income; no amounts are taxed at the special lower rates applicable to long term capital gains and corporate dividends. Amounts received under an automatic withdrawal plan are treated for tax purposes as partial surrenders, not annuity payments. In the case of a surrender, amounts received are includable in income to the extent they exceed the "investment in the contract." For these purposes, the "investment in the contract" at any time equals the total of the Purchase Payments made under the Contract to that time (to the extent such payments were neither deductible when made nor excludable from income as, for example, in the case of certain contributions to Qualified Contracts) less any amounts previously received from the Contract which were not includable in income. As described elsewhere in this Prospectus, the cost of the enhanced death benefit option is reflected in the mortality and expense risk charge. It is possible that the portion of the mortality and expense risk charge that represents the cost of the enhanced death benefit option could be treated for federal tax purposes as a partial surrender from the Contract. If the Contract has additional riders, charges (or some portion thereof) for such riders could be treated for federal tax purposes as partial surrenders from the Contract. There is some uncertainty regarding the treatment of the Market Value Adjustment for purposes of determining the amount includible in income as a result of any partial surrender, surrender, assignment, pledge, or transfer without adequate consideration. Congress has given the IRS regulatory authority to address this uncertainty. However, as of the date of this Prospectus, the IRS has not issued any regulations addressing these determinations. Similarly, if the Contract is issued with a Guaranteed Minimum Income Benefit Rider, the Guaranteed Annuitization Value might be used by the IRS for purposes of determining the amount includible in income as a result of any partial surrender, surrender, assignment, pledge, or transfer without adequate consideration. In that event, the amount treated as income could be higher. 12 Surrenders and partial surrenders may be subject to a 10% penalty tax. (See "Penalty Tax on Premature Distributions.") Surrenders and partial surrenders may also be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") TAXATION OF ANNUITY PAYMENTS Normally, the portion of each annuity income payment taxable as ordinary income equals the excess of the payment over the exclusion amount. The exclusion amount is determined by multiplying (1) the payment by (2) the ratio of the "investment in the contract" (defined above) you allocate to the settlement option, adjusted for any period certain or refund feature, to the total expected amount of annuity income payments for the term of the Contract (determined under Treasury Department regulations). Once the total amount of the investment in the contract is excluded using the above formula, annuity income payments will be fully taxable. If annuity income payments cease because of the death of the Annuitant and before the total amount of the investment in the contract is recovered, the unrecovered amount generally will be allowed as a deduction. There may be special income tax issues present in situations where the Owner and the Annuitant are not the same person and are not married to one another within the meaning of federal law. You should consult a tax advisor in those situations. Annuity income payments may be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") TAXATION OF PROCEEDS PAYABLE UPON DEATH Prior to the date annuity payments start, we may distribute amounts from a Contract because of the death of an Owner or, in certain circumstances, the death of the Annuitant. Such proceeds are includable in income as follows: (1) if distributed in a lump sum or under Settlement Option 1 (described above), they are taxed in the same manner as a surrender, as described above; or (2) if distributed under Settlement Options 2, 3, 3A, or 4 (described above), they are taxed in the same manner as annuity income payments, as described above. After the date annuity payments start, if a guaranteed period exists under a life income settlement option and the payee dies before the end of that period, payments we make to the Beneficiary for the remainder of that period are includable in income as follows: (1) if received in a lump sum, they are included in income to the extent that they exceed the unrecovered investment in the contract at that time; or (2) if distributed in accordance with the existing settlement option selected, they are fully excluded from income until the remaining investment in the contract is deemed to be recovered, and all annuity income payments thereafter are fully includable in income. Proceeds payable on death may be subject to federal income tax withholding requirements. (See "Federal Income Tax Withholding.") The Company may be liable for payment of the generation skipping transfer tax under certain circumstances. In the event that the Company determines that such liability exists, an amount necessary to pay the generation skipping transfer tax may be subtracted from the proceeds. ASSIGNMENTS, PLEDGES, AND GRATUITOUS TRANSFERS Other than in the case of Qualified Contracts (which generally cannot be assigned or pledged), any assignment or pledge of (or agreement to assign or pledge) any portion of the Fund Value is treated for federal income tax purposes as a surrender of such amount or portion. The investment in the contract is increased by the amount includable as income with respect to such assignment or pledge, though it is not affected by any other aspect of the assignment or pledge (including its release). If an Owner transfers a Contract without adequate consideration to a person other than the Owner's spouse (or to a former spouse incident to divorce), the Owner will be required to include in income the difference between the "cash surrender value" and the investment in the contract at the time of transfer. In such case, the transferee's "investment in the contract" will increase to reflect the increase in the transferor's income. The exceptions for transfers to the Owner's spouse (or to a former spouse) are limited to individuals that are treated as spouses under federal law. 13 PENALTY TAX ON PREMATURE DISTRIBUTIONS Where we have not issued the Contract in connection with a Qualified Plan, there generally is a 10% penalty tax on the amount of any payment from the Contract, E.G., surrenders, partial surrenders, annuity payments, death proceeds, assignments, pledges and gratuitous transfers, that is includable in income unless the payment is: (a) received on or after the Owner reaches age 59 1/2; (b) attributable to the Owner's becoming disabled (as defined in the tax law); (c) made on or after the death of the Owner or, if the Owner is not an individual, on or after the death of the primary annuitant (as defined in the tax law); (d) made as part of a series of substantially equal periodic payments (not less frequently than annually) for the life (or life expectancy) of the Owner or the joint lives (or joint life expectancies) of the Owner and a designated beneficiary (as defined in the tax law); or (e) made under a Contract purchased with a single Purchase Payment when the annuity starting date is no later than a year from purchase of the Contract and substantially equal periodic payments are made, not less frequently than annually, during the annuity period. Certain other exceptions to the 10% penalty tax not described herein also may apply. (Similar rules, discussed below, apply in the case of certain Qualified Contracts.) AGGREGATION OF CONTRACTS In certain circumstances, the IRS may determine the amount of an annuity income payment or a surrender from a Contract that is includable in income by combining some or all of the annuity contracts a person owns that were not issued in connection with Qualified Plans. For example, if a person purchases a Contract offered by this Prospectus and also purchases at approximately the same time an immediate annuity issued by the Company (or its affiliates), the IRS may treat the two contracts as one contract. In addition, if a person purchases two or more deferred annuity contracts from the same insurance company (or its affiliates) during any calendar year, all such contracts will be treated as one contract for purposes of determining whether any payment that was not received as an annuity (including surrenders prior to the date annuity payments start) is includable in income. The effects of such aggregation are not always clear; however, it could affect the amount of a surrender or an annuity payment that is taxable and the amount which might be subject to the 10% penalty tax described above. NET INVESTMENT INCOME TAX. Effective for tax years beginning after December 31, 2012, a net investment income tax of 3.8% applies to some types of investment income including all taxable distributions from non-qualified annuities. This tax only applies to taxpayers with "modified adjusted gross income" above $250,000 in the case of married couples filing jointly, $125,000 in the case of married couples filing separately, and $200,000 for all others. For more information regarding this tax and whether it may apply to you, please consult your tax advisor. LOSS OF INTEREST DEDUCTION WHERE CONTRACT IS HELD BY OR FOR THE BENEFIT OF CERTAIN NONNATURAL PERSONS In the case of Contracts issued after June 8, 1997, to a nonnatural taxpayer (such as a corporation or a trust), or held for the benefit of such an entity, that entity's general interest deduction under the Code may be limited. More specifically, a portion of its otherwise deductible interest may not be deductible by the entity, regardless of whether the interest relates to debt used to purchase or carry the Contract. However, this interest deduction disallowance does not affect Contracts where the income on such Contracts is treated as ordinary income that the Owner received or accrued during the taxable year. Entities that have purchased the Contract, or entities that will be Beneficiaries under a Contract, should consult a tax adviser. QUALIFIED RETIREMENT PLANS IN GENERAL The Contracts are also designed for use in connection with certain types of retirement plans which receive favorable treatment under the Code. Numerous special tax rules apply to the participants in Qualified Plans and to Contracts used in connection with Qualified Plans. Therefore, we make no attempt in this prospectus to provide more than general information about use of the Contract with the various types of Qualified Plans. State income tax rules applicable to Qualified Plans and Qualified Contracts often differ from federal income tax rules, and this prospectus does not describe any of these differences. THOSE WHO INTEND TO USE THE CONTRACT IN CONNECTION WITH QUALIFIED PLANS SHOULD SEEK COMPETENT ADVICE. 14 The tax rules applicable to Qualified Plans vary according to the type of plan and the terms and conditions of the plan itself. For example, for surrenders, automatic withdrawals, partial surrenders, and annuity income payments under Qualified Contracts, there may be no "investment in the contract" and the total amount received may be taxable. Both the amount of the contribution that you and/or your employer may make, and the tax deduction or exclusion that you and/or your employer may claim for such contribution, are limited under Qualified Plans. In the case of Qualified Contracts, special rules apply to the time at which distributions must commence and the form in which the distributions must be paid. For example, the length of any guarantee period may be limited in some circumstances to satisfy certain minimum distribution requirements under the Code. Due to the presence of a Market Value Adjustment there may be in some circumstances uncertainty as to the amount of required minimum distributions. Furthermore, failure to comply with minimum distribution requirements applicable to Qualified Plans will result in the imposition of an excise tax. This excise tax generally equals 50% of the amount by which a minimum required distribution exceeds the actual distribution from the Qualified Plan. In the case of Individual Retirement Accounts or Annuities (IRAs), distributions of minimum amounts (as specified in the tax law) must generally commence by April 1 of the calendar year following the calendar year in which the Owner attains age 70 1/2. In the case of certain other Qualified Plans, distributions of such minimum amounts must generally commence by the later of this date or April 1 of the calendar year following the calendar year in which the employee retires. The death benefit and the Guaranteed Minimum Income Benefit Rider under your Contract and certain other benefits that the IRS may characterize as "other benefits" for purposes of the regulations under Code Section 401(a)(9), may increase the amount of the minimum required distribution that must be taken from your Contract. As described earlier in this prospectus, certain Qualified Contracts issued under a Code Section 401(k) plan will have a loan provision under which a loan can be taken using the Contract as collateral for the loan. In general, loans from Qualified Contracts are taxable distributions unless certain requirements are satisfied. For example, the loan, by its terms, generally must be repaid within 5 years, repayments are required at least quarterly and must be substantially level, and the loan amount is limited to certain dollar amounts specified by the IRS. These dollar limits take into account other recent loans you have had under the plan. If these requirements are not satisfied when the loan is received or while the loan is outstanding, it could result in a taxable distribution from the Qualified Contract. The plan may also require the loan to be repaid upon severance from employment. PLEASE CONSULT YOUR PLAN ADMINISTRATOR AND/OR TAX ADVISER REGARDING THE TREATMENT OF LOANS IN THESE CIRCUMSTANCES. There may be a 10% penalty tax on the taxable amount of payments from certain Qualified Contracts. There are exceptions to this penalty tax which vary depending on the type of Qualified Plan. In the case of an IRA, exceptions provide that the penalty tax does not apply to a payment: (a) received on or after the date the Owner reaches age 59 1/2; (b) received on or after the Owner's death or because of the Owner's disability (as defined in the tax law); or (c) made as part of a series of substantially equal periodic payments (not less frequently than annually) for the life (or life expectancy) of the Owner or for the joint lives (or joint life expectancies) of the Owner and his designated beneficiary (as defined in the tax law). These exceptions generally apply to taxable distributions from other Qualified Plans (although, in the case of plans qualified under section 401, exception "c" above for substantially equal periodic payments applies only if the Owner has separated from service). In addition, the penalty tax does not apply to certain distributions from IRAs which are used for qualified first time home purchases or for higher education expenses. You must meet special conditions to be eligible for these two exceptions to the penalty tax. Those wishing to take a distribution from an IRA for these purposes should consult their tax advisor. Certain other exceptions to the 10% penalty tax not described herein also may apply. Owners, Annuitants, and Beneficiaries are cautioned that the rights of any person to any benefits under Qualified Plans may be subject to the terms and conditions of the plans themselves, regardless of the terms and conditions of the Contract. In addition, the Company shall not be bound by terms and conditions of Qualified Plans to the extent such terms and conditions contradict the Contract, unless the Company consents. Following are brief descriptions of various types of Qualified Plans in connection with which the Company may issue a Contract. 15 INDIVIDUAL RETIREMENT ACCOUNTS AND ANNUITIES Section 408 of the Code permits eligible individuals to contribute to an individual retirement program known as an IRA. If you use this Contract in connection with an IRA, the Owner and Annuitant generally must be the same individual and generally may not be changed. IRAs are subject to limits on the amounts that may be contributed and deducted, on the persons who may be eligible, and on the time when distributions must commence. Also, subject to the direct rollover and mandatory withholding requirements (discussed below), you may "roll over" distributions from certain Qualified Plans on a tax-deferred basis into an IRA. Contracts may also be issued in connection with a "Simplified Employee Pension" or "SEP IRA" under Section 408(i) of the Code. However, you may not use the Contract in connection with a "Coverdell Education Savings Account" (formerly known as an "Education IRA") under Section 530 of the Code, or a "Simple IRA" under Section 408(p) of the Code. ROTH IRAS Section 408A of the Code permits eligible individuals to contribute to a type of IRA known as a "Roth IRA." Roth IRAs are generally subject to the same rules as non-Roth IRAs, but differ in several respects. Among the differences is that, although contributions to a Roth IRA are not deductible, "qualified distributions" from a Roth IRA will be excludable from income. A qualified distribution is a distribution that satisfies two requirements. First, the distribution must be made in a taxable year that is at least five years after the first taxable year for which a contribution to any Roth IRA established for the Owner was made. Second, the distribution must be either (1) made after the Owner attains the age of 59 1/2; (2) made after the Owner's death; (3) attributable to the Owner being disabled; or (4) a qualified first-time homebuyer distribution within the meaning of Section 72(t)(2)(F) of the Code. In addition, distributions from Roth IRAs need not commence when the Owner attains age 70 1/2. A Roth IRA may accept a "qualified rollover contribution" from (1) a non-Roth IRA, (2) a "designated Roth account" maintained under a Qualified Plan, and (3) certain Qualified Plans of eligible individuals. Special rules apply to rollovers to Roth IRAs from Qualified Plans and from designated Roth accounts under Qualified Plans. You should seek competent advice before making such a rollover. IRA TO IRA ROLLOVERS AND TRANSFERS A rollover contribution is a tax-free movement of amounts from one IRA to another within 60 days after you receive the distribution. In particular, a distribution from a non-Roth IRA generally may be rolled over tax-free within 60 days to another non-Roth IRA, and a distribution from a Roth IRA generally may be rolled over tax-free within 60 days to another Roth IRA. A distribution from a Roth IRA may not be rolled over (or transferred) tax-free to a non-Roth IRA. A rollover from any one of your IRAs (including IRAs you have with another company) to another IRA is allowed only once within a one-year period. This limitation applies on an aggregate basis and applies to all types of your IRAs, meaning that you cannot make an IRA to IRA rollover if you have made such a rollover involving any of your IRAs in the preceding one-year period. For example, a rollover between your Roth IRAs would preclude a separate rollover within the one-year period between your non-Roth IRAs, and vice versa. The one-year period begins on the date that you receive the IRA distribution, not the date it is rolled over into another IRA. If the IRA distribution does not satisfy the rollover rules, it may be (1) taxable in the year distributed, (2) subject to a 10% tax on early distributions, and (3) treated as a regular contribution to the recipient IRA, which could result in an excess contribution subject to an additional tax. If you inherit an IRA from your spouse, you generally can roll it over into an IRA established for you, or you can choose to make the inherited IRA your own. If you inherited an IRA from someone other than your spouse, you cannot roll it over, make it your own, or allow it to receive rollover contributions. A rollover from one IRA to another is different from a direct trustee-to-trustee transfer of your IRA assets from one IRA trustee to another IRA trustee. A "trustee-to-trustee" transfer is not considered a rollover and is not subject to the 60-day rollover requirement or the one rollover per year rule. In addition, a rollover between IRAs is different from direct rollovers from certain Qualified Plans to non-Roth IRAs and "qualified rollover contributions" to Roth IRAs, both of which are subject to special rules. PENSION AND PROFIT-SHARING PLANS Section 401(a) of the Code permits employers to establish various types of tax-favored retirement plans for employees. The Self-Employed Individuals' Tax Retirement Act of 1962, as amended, commonly referred to as "H.R. 10" or "Keogh," permits self-employed individuals also to establish such tax-favored retirement plans for 16 themselves and their employees. Such retirement plans may permit the purchase of the Contract in order to provide benefits under the plans. These types of plans may be subject to rules under Sections 401(a)(11) and 417 of the Code that provide rights to a spouse or former spouse of a participant. In such a case, the participant may need the consent of the spouse or former spouse to change settlement options, to elect an automatic withdrawal option, or to make a partial or full surrender of the Contract. DIRECT ROLLOVERS If your Contract is used in connection with a pension or profit-sharing plan qualified under Section 401(a) of the Code, or is used with an eligible deferred compensation plan that has a government sponsor and that is qualified under Section 457(b) of the Code, any "eligible rollover distribution" from the Contract will be subject to direct rollover and mandatory withholding requirements. An eligible rollover distribution generally is any taxable distribution from a qualified pension plan under Section 401(a) of the Code or an eligible Section 457(b) deferred compensation plan that has a government sponsor, excluding certain amounts (such as minimum distributions required under Section 401(a)(9) of the Code, distributions which are part of a "series of substantially equal periodic payments" made for life or a specified period of 10 years or more, or hardship distributions as defined in the tax law). Under these requirements, federal income tax equal to 20% of the eligible rollover distribution will be withheld from the amount of the distribution. Unlike withholding on certain other amounts distributed from the Contract, discussed below, you cannot elect out of withholding with respect to an eligible rollover distribution. However, this 20% withholding will not apply if, instead of receiving the eligible rollover distribution, you elect to have it directly transferred to certain eligible retirement plans (such as an IRA). Prior to receiving an eligible rollover distribution, you will receive a notice (from the plan administrator or the Company) explaining generally the direct rollover and mandatory withholding requirements and how to avoid the 20% withholding by electing a direct transfer. FEDERAL INCOME TAX WITHHOLDING IN GENERAL The Company will withhold and remit to the federal government a part of the taxable portion of each distribution made under a Contract unless the distributee notifies the Company at or before the time of the distribution that he or she elects not to have any amounts withheld. In certain circumstances, the Company may be required to withhold tax. The withholding rates applicable to the taxable portion of periodic annuity payments (other than eligible rollover distributions) are the same as the withholding rates generally applicable to payments of wages. A 10% withholding rate applies to the taxable portion of non-periodic payments (including surrenders prior to the date annuity payments start) and conversions of, or rollovers from, non-Roth IRAs and Qualified Plans to Roth IRAs. Regardless of whether you elect not to have federal income tax withheld, you are still liable for payment of federal income tax on the taxable portion of the payment. As discussed above, the withholding rate applicable to eligible rollover distributions is 20%. NONRESIDENT ALIENS AND FOREIGN CORPORATIONS The discussion above provides general information regarding federal withholding tax consequences to annuity contract owners or beneficiaries that are U.S. citizens or residents. Owners or beneficiaries that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. Owners or beneficiaries that are not U.S. citizens or residents are advised to consult with a tax advisor regarding federal tax withholding with respect to the distributions from a Contract. FATCA WITHHOLDING If the payee of a distribution from the Contract is a foreign financial institution ("FFI") or a non-financial foreign entity ("NFFE") within the meaning of the Code as amended by the Foreign Account Tax Compliance Act ("FATCA"), the distribution could be subject to U.S. federal withholding tax on the taxable amount of the distribution at a 30% rate irrespective of the status of any beneficial owner of the Contract or the distribution. The rules relating to FATCA are complex, and a tax advisor should be consulted if an FFI or NFFE is or may be designated as a payee with respect to the Contract. 6. INVESTMENTS Amounts allocated to the Guaranteed Interest Account with Market Value Adjustment are transferred to the General Account of the Company. Amounts allocated to the General Account of the Company are subject to the liabilities arising from the business the Company conducts. This is unlike amounts allocated to the Subaccounts of the Variable Account A, which are not subject to the liabilities arising from the business the Company conducts. 17 The Company has sole investment discretion over the investment of the assets of the General Account. We will invest these amounts primarily in investment-grade fixed income securities including: securities issued by the U.S. Government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. Government; debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by Moody's Investor Services, Inc., Standard & Poor's Corporation, or any other nationally recognized rating service; mortgage-backed securities collateralized by real estate mortgage loans or securities collateralized by other assets, that are insured or guaranteed by the Federal Home Loan Mortgage Association, the Federal National Home Mortgage Association, or the Government National Mortgage Association, or that have an investment grade at the time of purchase within the four highest grades described above; commercial and agricultural mortgage loans; other debt instruments; commercial paper; cash or cash equivalents. Variable Annuity Owners having allocated amounts to a particular Accumulation Period of the Guaranteed Interest Account with Market Value Adjustment will not have a direct or indirect interest in these investments, nor will they have a claim against any particular assets of the Company. The overall investment performance of the General Account will not increase or decrease their claim against the Company. There is no specific formula for establishing Specified Interest Rates. The Specified Interest Rates declared by the Company for the various Accumulation Periods will not necessarily correspond to the performance of any group of assets of the General Account. We will consider certain factors in determining these rates, such as regulatory and tax environment, sales commissions, administrative expenses borne by us, and competitive factors. The Company's management will make the final determination of these rates. However, the Specified Interest Rate will never be less than 3.50%. 7. CONTRACTS AND THE DISTRIBUTION OF THE GUARANTEED INTEREST ACCOUNT WITH MARKET VALUE ADJUSTMENT Interests in the Guaranteed Interest Account with Market Value Adjustment are only available through certain Contracts issued by the Company. The appropriate variable annuity prospectus and statement of additional information also contain information regarding the distribution of the Contracts. The Contracts are distributed by both AXA Advisors, LLC ("AXA Advisors") and AXA Distributors, LLC ("AXA Distributors") (together, the "Distributors"). The Distributors serve as principal underwriters of MONY America Variable Account A. The offering of the Contracts is intended to be continuous. AXA Advisors is an affiliate of the Company, and AXA Distributors is an indirect wholly owned subsidiary of the Company. The Distributors are under the common control of AXA Financial, Inc. Their principal business address is 525 Washington Boulevard, Jersey City, New Jersey 07310. The Distributors are registered with the SEC as broker-dealers and are members of the Financial Industry Regulatory Authority, Inc. ("FINRA"). Both broker-dealers also act as distributors for the Company's life and annuity products. The Contracts are sold by financial professionals of AXA Advisors and its affiliates. The Contracts are also sold by financial professionals of unaffiliated broker-dealers that have entered into selling agreements with the Distributors ("Selling broker-dealers"). The Company pays compensation to both Distributors based on contracts sold. The Company may also make additional payments to the Distributors, and the Distributors may, in turn, make additional payments to certain Selling broker-dealers. All payments will be in compliance with all applicable FINRA rules and other laws and regulations. Although the Company takes into account all of its distribution and other costs in establishing the level of fees and charges under its Contracts, none of the compensation paid to the Distributors or the Selling broker-dealers discussed in this section of the prospectus are imposed as separate fees or charges under your Contract. The Company, however, intends to recoup amounts it pays for distribution and other services through the fees and charges of the Contract and payments it receives for providing administrative, distribution and other services to the Portfolios. For information about the fees and charges under the Contract, see "Summary of the Contract" and "Charges and deductions" earlier in this prospectus. COMPENSATION PAID TO THE DISTRIBUTORS The Company pays compensation to the Distributors based on Purchase Payments made on the Contracts sold through the Distributors ("contribution-based compensation"). The contribution-based compensation will generally not exceed 6.50% of total Purchase Payments made under the Contracts, plus, starting in the second Contract Year, up to 0.25% of the cash value of the Contracts ("asset-based compensation"). The Distributors, in turn, may pay a portion of the compensation received from the Company to the Distributors financial professional and/or the Selling broker-dealer making the sale. The compensation paid by the Distributors varies among financial professionals and among Selling broker-dealers. The Distributors also pay a portion of the compensation it receives to its managerial personnel. When a Contract is sold by a Selling broker-dealer, the 18 Selling broker-dealer, not the Distributors, determines the amount and type of compensation paid to the Selling broker-dealer's financial professional for the sale of the Contract. Therefore, you should contact your financial professional for information about the compensation he or she receives and any related incentives, as described below. AXA Advisors may receive compensation, and, in turn, pay its financial professionals a portion of such fee, from third party investment advisors to whom its financial professionals refer customers for professional management of the assets within their contract. AXA Advisors also pays its financial professionals and managerial personnel other types of compensation including service fees, expense allowance payments and health and retirement benefits. AXA Advisors also pays its financial professionals, managerial personnel and Selling broker-dealers sales bonuses (based on selling certain products during specified periods) and persistency bonuses. AXA Advisors may offer sales incentive programs to financial professionals and Selling broker-dealers who meet specified production levels for the sales of both the Company's Contracts and Contracts offered by other companies. These incentives provide non-cash compensation such as stock options awards and/or stock appreciation rights, expense-paid trips, expense-paid education seminars and merchandise. The Company also pays AXA Distributors compensation to cover its operating expenses and marketing services under the terms of the Company's distribution agreements with AXA Distributors. DIFFERENTIAL COMPENSATION PAID BY AXA ADVISORS. In an effort to promote the sale of the Company's products, AXA Advisors may pay its financial professionals and managerial personnel a greater percentage of contribution-based compensation and/or asset-based compensation for the sale of the Company's contract than it pays for the sale of a Contract or other financial product issued by a company other than the Company. AXA Advisors may pay higher compensation on certain products in a class than others based on a group or sponsored arrangement, or between older and newer versions or series of the same contract. This practice is known as providing "differential compensation." Differential compensation may involve other forms of compensation to AXA Advisors personnel. Certain components of the compensation paid to managerial personnel are based on whether the sales involve the Company's Contracts. Managers earn higher compensation (and credits toward awards and bonuses) if the financial professionals they manage sell a higher percentage of the Company's Contracts than products issued by other companies. Other forms of compensation provided to its financial professionals include health and retirement benefits, expense reimbursements, marketing allowances and contribution-based payments, known as "overrides." For tax reasons, AXA Advisors financial professionals qualify for health and retirement benefits based solely on their sales of the Company's Contracts and products sponsored by affiliates. The fact that AXA Advisors financial professionals receive differential compensation and additional payments may provide an incentive for those financial professionals to recommend the Company's Contract over a Contract or other financial product issued by a company not affiliated with the Company. However, under applicable rules of FINRA, AXA Advisors financial professionals may only recommend to you products that they reasonably believe are suitable for you based on the facts that you have disclosed as to your other security holdings, financial situation and needs. In making any recommendation, financial professionals of AXA Advisors may nonetheless face conflicts of interest because of the differences in compensation from one product category to another, and because of differences in compensation among products in the same category. For more information, contact your financial professional. ADDITIONAL PAYMENTS BY AXA DISTRIBUTORS TO SELLING BROKER-DEALERS. AXA Distributors may pay, out of its assets, certain Selling broker-dealers and other financial intermediaries additional compensation in recognition of services provided or expenses incurred. AXA Distributors may also pay certain Selling broker-dealers or other financial intermediaries additional compensation for enhanced marketing opportunities and other services (commonly referred to as "marketing allowances"). Services for which such payments are made may include, but are not limited to, the preferred placement of the Company's products on a company and/or product list; sales personnel training; product training; business reporting; technological support; due diligence and related costs; advertising, marketing and related services; conference; and/or other support services, including some that may benefit the contract owner. Payments may be based on ongoing sales, on the aggregate account value attributable to contracts sold through a Selling broker-dealer or such payments may be a fixed amount. For certain selling broker-dealers, AXA Distributors increases the marketing allowance as certain sales thresholds are met. AXA Distributors may also make fixed payments to Selling broker-dealers, for example in connection with the initiation of a new relationship or the introduction of a new product. Additionally, as an incentive for the financial professionals of Selling broker-dealers to promote the sale of the Company's products, AXA Distributors may increase the sales compensation paid to the Selling broker-dealer for a period of time (commonly referred to as "compensation enhancements"). AXA Distributors also has entered into agreements with certain selling broker-dealers in which the selling broker-dealer agrees to sell certain AXA Equitable contracts exclusively. 19 These additional payments may serve as an incentive for Selling broker-dealers to promote the sale of the Company contracts over contracts and other products issued by other companies. Not all Selling broker-dealers receive additional payments, and the payments vary among Selling broker-dealers. The list below includes the names of Selling broker-dealers that we are aware (as of December 31, 2014) received additional payments. These additional payments ranged from $40.15 to $4,874,706.21. The Company and its affiliates may also have other business relationships with Selling broker-dealers, which may provide an incentive for the Selling broker-dealers to promote the sale of the Company's contracts over contracts and other products issued by other companies. The list below includes any such Selling broker-dealer. For more information, ask your financial professional. 1st Global Capital Corporation Allstate Financial Services, LLC American Portfolios Financial Services Ameriprise Financial Services BBVA Compass Investment Solutions, Inc. Cambridge Investment Research Capital Investment Group CCO Investment Services Corporation Centaurus Financial, Inc. Cetera Advisors, LLC Cetera Advisors Networks, LLC Cetera Financial Specialists, LLC Cetera Investment Services, LLC CFD Investments, Inc. Citigroup Global Markets, Inc. Commonwealth Financial Network CUNA Brokerage Services Cuso Financial Services, L.P. Essex National Securities, Inc. Farmer's Financial Solution First Allied Securities Inc. First Citizens Investor Services, Inc. First Southeast Investor Services First Tennessee Brokerage Inc. Founders Financial Securities FSC Securities Corporation Geneos Wealth Management Inc. GWN Securities, Inc. H.D. Vest Investment Securities, Inc. Harbour Investments ICA/First Dakota, Inc. IFC Holdings, Inc. Independent Financial Group, LLC ING Financial Partners Investacorp, Inc. Investment Professionals, Inc. Investors Capital Corporation James T. Borello & Company Janney Montgomery Scott LLC JP Turner & Company, LLC Key Investment Services LLC Kovack Securities Legend Equities Lincoln Financial Advisors Corp. Lincoln Financial Services Corp. LPL Financial Corporation Lucia Securities, LLC Mercap Securities, LLC Merrill Lynch Life Agency, Inc. MetLife Securities, Inc. 20 Morgan Stanley Smith Barney Mutual Service Corporation National Planning Corporation Navy Federal Brokerage Services New England Securities, Inc. Next Financial Group, Inc. NFP Securities Inc. PNC Investments Prime Capital Services Primerica Financial Services Questar Capital Corporation Raymond James & Associates Raymond James Insurance Group RBC Capital Markets Corporation Robert W Baird & Company Royal Alliance Associates, Inc. Sage Point Financial, Inc. Santander Securities Corporation Securities America Inc. Signator financial Services Signator Investors, Inc. SII Investments Sorrento Pacific Financial LLC Southwest Securities, Inc. Summit Brokerage Services, Inc. SunTrust Investments SWS Financial Services Tavenner Group Tower Squares Securities TransAmerica Financial Advisors Triad Advisors U.S Bancorp Investments, Inc. UBS Financial Services, Inc. UVEST Financial Services Group Valmark Securities, Inc. Walnut Street Services Waterstone Financial Group Wells Fargo Advisors Financial Network, LLC Wells Fargo Advisors, LLC Wells Fargo Investments, LLC Wesom Financial Services, LLC Woodbury Financial Services, Inc. 8. MONY LIFE INSURANCE COMPANY OF AMERICA The Guaranteed Interest Account with Market Value Adjustment is issued by MONY Life Insurance Company of America (the "Company"), an Arizona stock life insurance corporation organized in 1969. MONY Life Insurance Company of America is an indirect wholly owned subsidiary of AXA Financial, Inc., which is an indirect wholly owned subsidiary of AXA S.A. ("AXA"), a French holding company for an international group of insurance and related financial services companies. As the ultimate sole shareholder of the Company, AXA exercises significant influence over the operations and capital structure of the Company. No company other than the Company, however, has any legal responsibility to pay amounts that the Company owes under the Contracts. AXA Equitable is solely responsible for paying all amounts owed to you under your Contract. AXA Financial, Inc. and its consolidated subsidiaries managed approximately $577.7 billion in assets as of December 31, 2014. The Company is licensed to sell life insurance and annuities in forty-nine states (not including New York), the District of Columbia, and Puerto Rico. Our main administrative office is located at 525 Washington Blvd., Jersey City, NJ 07310. 21 On October 1, 2013, the Company entered into a reinsurance transaction with Protective Life Insurance Company ("Protective"), whereby Protective agreed to reinsure a substantial portion of the Company's life insurance and annuity business (the "Reinsured Business"). This policy is included in the Reinsured Business. Protective reinsures all of the insurance risks of the Reinsured Business and is responsible for customer service and administration for all contracts comprising the Reinsured Business. However, the Company remains the insurer of the policy and the terms, features, and benefits of the policy have NOT changed as a result of the transaction. 9. LEGAL PROCEEDINGS MONY Life Insurance Company of America and its affiliates are parties to various legal proceedings. In our view, none of these proceedings would be considered material with respect to a Contract owner's interest in MONY America, nor would any of these proceedings be likely to have a material adverse effect upon MONY America, our ability to meet our obligations under the contracts, or the distribution of the contracts. 10. ADDITIONAL INFORMATION Rule 12h-7 under the Securities Exchange Act of 1934, as amended (the "Exchange Act") exempts an insurance company from filing reports under the Exchange Act when the insurance company issues certain types of insurance products that are registered under the Securities Act of 1933 and such products are regulated under state law. The units of the Guaranteed Interest Account with Market Value Adjustment described in this prospectus fall within the exemption provided under rule 12h-7. The Company relies on the exemption provided under rule 12h-7 and does not file reports under the Exchange Act. INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM The financial statements of MONY Life Insurance Company of America at December 31, 2014 and 2013 and for each of the three years in the period ended December 31, 2014 are incorporated by reference herein in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. PricewaterhouseCoopers LLP provides independent audit services and certain other non-audit services to MONY Life Insurance Company of America as permitted by the applicable SEC independence rules. PricewaterhouseCoopers LLP's office are located at 569 Brookwood Village, Suite 851, Birmingham, Alabama 35209 and 300 Madison Avenue, New York, New York 10017. 22 APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA TABLE OF CONTENTS:
PAGE Risk Factors.............................................................. 1 Description of Business................................................... 11 Description of Property................................................... 21 Legal Proceedings......................................................... 22 Financial Statements and Notes to Financial Statements.................... 23 Selected Financial Data................................................... 60 Management's Discussion and Analysis of Financial Condition and Results of Operations........................................................... 62 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure.............................................................. 85 Quantitative and Qualitative Disclosures About Market Risk................ 86 Directors, Executive Officers, Promoters and Control Persons.............. 88 Executive Compensation.................................................... 93 Security Ownership of Certain Beneficial Owners and Management............ 122 Transactions with Related Persons, Promoters and Certain Control Persons.. 124
RISK FACTORS IN THE COURSE OF CONDUCTING OUR BUSINESS OPERATIONS, WE COULD BE EXPOSED TO A VARIETY OF RISKS. THIS "RISK FACTORS" SECTION PROVIDES A SUMMARY OF SOME OF THE SIGNIFICANT RISKS THAT HAVE AFFECTED AND COULD AFFECT OUR BUSINESS, RESULTS OF OPERATIONS OR FINANCIAL CONDITION. IN THIS SECTION, THE TERMS "WE," "US" AND "OUR" REFER TO MONY LIFE INSURANCE COMPANY OF AMERICA. UNLESS OTHERWISE DEFINED HEREIN, CAPITALIZED TERMS USED IN THE "RISK FACTORS" ARE DEFINED IN THE "DESCRIPTION OF BUSINESS" THAT IMMEDIATELY FOLLOWS THIS SECTION. RISKS RELATING TO CONDITIONS IN THE CAPITAL MARKETS AND ECONOMY CONDITIONS IN THE GLOBAL CAPITAL MARKETS AND THE ECONOMY COULD ADVERSELY AFFECT OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. Our business, results of operations and financial condition are materially affected by conditions in the global capital markets and the economy generally. While financial markets in the U.S. generally continued to perform well in 2014, a wide variety of factors continue to impact economic conditions and consumer confidence. These factors include, among others, concerns over the pace of the economic recovery, continued low interest rates, the U.S. Federal Reserve's plan to raise short term interest rates, the strength of the U.S. Dollar, global economic factors including quantitative easing or similar programs by the European Central Bank, volatile energy costs, and geopolitical issues. Given our interest rate and equity market exposure, certain of these factors could have an adverse effect on us. Our revenues may decline, our profit margins could erode and we could incur significant losses. Factors such as consumer spending, business investment, government spending, the volatility and strength of the equity markets, interest rates, deflation and inflation all affect the business and economic environment and, ultimately, the amount and profitability of our business. In an economic downturn characterized by higher unemployment, lower family income, lower corporate earnings, lower business investment and lower consumer spending, the demand for insurance products could be adversely affected. In addition, the levels of surrenders and withdrawals of our variable life contracts we face may be adversely impacted. Our policyholders may choose to defer paying insurance premiums or stop paying insurance premiums altogether. Adverse changes in the economy could affect earnings negatively and could have a material adverse effect on our business, results of operations and financial condition. See "Description of Business -- Products" and "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Results of Operations." INTEREST RATE FLUCTUATIONS AND/OR PROLONGED PERIODS OF LOW INTEREST RATES MAY NEGATIVELY IMPACT OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. Some of our life insurance products and our investment returns, are sensitive to interest rate fluctuations, and changes in interest rates may adversely affect our investment returns and results of operations, including in the following respects: . changes in interest rates may reduce the spread on some of our products between the amounts that we are required to pay under the contracts and the rate of return we are able to earn on our general account investments supporting the contracts. When interest rates decline, we have to reinvest the cash income from our investments in lower yielding instruments, potentially reducing net investment income. Since many of our policies have guaranteed minimum interest or crediting rates or limit the resetting of interest rates, the spreads could decrease and potentially become negative. When interest rates rise, we may not be able to replace the assets in our general account as quickly with the higher yielding assets needed to fund the higher crediting rates necessary to keep these products and contracts competitive, which may result in higher lapse rates; . when interest rates rise, policy loans and surrenders and withdrawals of life insurance policies may increase as policyholders seek to buy products with perceived higher returns, requiring us to sell investment assets potentially resulting in realized investment losses, or requiring us to accelerate the amortization of DAC or VOBA; . a decline in interest rates accompanied by unexpected prepayments of certain investments may result in reduced investment income and a decline in our profitability. An increase in interest rates accompanied by unexpected extensions of certain lower yielding investments may result in a decline in our profitability; . changes in the relationship between long-term and short-term interest rates may adversely affect the profitability of some of our products; . changes in interest rates may adversely impact our liquidity and increase our costs of financing; . our mitigation efforts with respect to interest rate risk are primarily focused on maintaining an investment portfolio with diversified maturities that has a weighted average duration that is approximately equal to the duration of our estimated liability cash flow profile. However, our estimate of the liability cash flow profile may turn out to be inaccurate. In addition, there are practical and capital market APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 1 limitations on our ability to accomplish this matching. Due to these and other factors we may need to liquidate investments prior to maturity at a loss in order to satisfy liabilities or be forced to reinvest funds in a lower rate environment; . although we take measures, including hedging strategies utilizing derivative instruments, to manage the economic risks of investing in a changing interest rate environment, we may not be able to effectively mitigate, and we may sometimes choose based on economic considerations and other factors not to fully mitigate or to increase the interest rate risk of our assets relative to our liabilities; and . for certain of our products, a delay between the time we make changes in interest rate and other assumptions used for product pricing and the time we are able to reflect these assumptions in products available for sale may negatively impact the long-term profitability of products sold during the intervening period. Recent periods have been characterized by low interest rates. A prolonged period during which interest rates remain at levels lower than those anticipated may result in greater costs associated with certain of our product features; higher costs for derivative instruments used to hedge certain of our product risks; or shortfalls in investment income on assets supporting policy obligations as our portfolio earnings decline over time, each of which may require us to record charges to increase reserves. In addition to compressing spreads and reducing net investment income, such an environment may cause policies to remain in force for longer periods than we anticipated in our pricing, potentially resulting in greater claims costs than we expected and resulting in lower overall returns on business in force. EQUITY MARKET DECLINES AND VOLATILITY MAY ADVERSELY AFFECT OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. Declines or volatility in the equity markets can negatively impact our investment returns as well as our business and profitability. For example, equity market declines and/or volatility may, among other things: . decrease the account values of our variable life contracts which, in turn, reduces the amount of revenue we derive from fees charged on those account and asset values; . can influence policyholder behavior, which may adversely impact the levels of surrenders, withdrawals and amounts of withdrawals of our variable life contracts or cause policyholders to reallocate a portion of their account balances to more conservative investment options (which may have lower fees), which could negatively impact our future profitability and/or increase our benefit obligations particularly if they were to remain in such options during an equity market increase; . negatively impact the value of equity securities we hold for investment, including our investment in units of AllianceBernstein L.P., a Delaware limited partnership ("AB" or "AllianceBernstein), thereby reducing our statutory capital; . reduce demand for variable products relative to fixed products; and . lead to changes in estimates underlying our calculations of deferred acquisition costs ("DAC") that, in turn, could accelerate our DAC and value of business acquired ("VOBA") amortization and reduce our current earnings. RISKS RELATING TO THE NATURE OF OUR BUSINESS, THE PRODUCTS WE OFFER AND OUR STRUCTURE OUR REINSURANCE AND HEDGING PROGRAMS MAY BE INADEQUATE TO PROTECT US AGAINST THE FULL EXTENT OF THE EXPOSURE OR LOSSES WE SEEK TO MITIGATE. Certain of our products contain minimum crediting rates. Downturns in equity markets, increased equity volatility, and/or reduced interest rates could result in an increase in the valuation of liabilities associated with such products, resulting in increases in reserves and reductions in net earnings. In the normal course of business, we seek to mitigate some of these risks to which our business is subject through our reinsurance and hedging programs. However, these programs cannot eliminate all of the risks and no assurance can be given as to the extent to which such programs will be effective in reducing such risks. Reinsurance. We utilize reinsurance to mitigate a portion of the risks that we face, principally in certain of our in-force life insurance products with regard to mortality. Under our reinsurance arrangements, other insurers assume a portion of the obligation to pay claims and related expenses to which we are subject. However, we remain liable as the direct insurer on all risks we reinsure and, therefore, are subject to the risk that our reinsurer is unable or unwilling to pay or reimburse claims at the time demand is made. For example, a material amount of liabilities were reinsured to Protective Life Insurance Company ("Protective Life") in October 2013. Given our significant concentration of reinsurance with Protective Life, if Protective Life fails to perform its obligations under the reinsurance treaty, such a failure could have a material adverse impact on our results of operations and financial condition. See "Description of Business -- Reinsurance and Hedging" and Note 1 of Notes to Financial Statements. Although we evaluate periodically the financial condition (including the applicable capital requirements) of our reinsurers, the inability or unwillingness of a reinsurer to meet its obligations to us (or the inability to collect under our APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 2 reinsurance treaties for any other reason) could have a material adverse impact on our results of operations and financial condition. See "Description of Business -- Reinsurance and Hedging" and Notes 6 and 7 of Notes to Financial Statements. We are continuing to utilize reinsurance to mitigate a portion of our risk on certain new life insurance sales. Prolonged or severe adverse mortality experience could result in increased reinsurance costs, and ultimately, may reduce the availability of reinsurance for future life insurance sales. If, for new sales, we are unable to maintain our current level of reinsurance or purchase new reinsurance protection in amounts that we consider sufficient, we would either have to be willing to accept an increase in our net exposures, revise our pricing to reflect higher reinsurance premiums or limit the amount of new business written on any individual life. If this were to occur, we may be exposed to reduced profitability and cash flow strain or we may not be able to price new business at competitive rates. Hedging Programs. We hedge crediting rates to mitigate certain risks associated with our Market Stabilizer Option(R) and our indexed universal life insurance products. These products permit the contract owner to participate in the performance of an index, ETF or a commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which we will absorb up to a certain percentage loss of value in an index, ETF or commodity price, which varies by product segment. In order to support the returns associated with these features, we enter into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price, subject to caps and buffers. In certain cases, however, we may not be able to apply these techniques to effectively hedge these risks because the derivatives market(s) in question may not be of sufficient size or liquidity or there could be an operational error in the application of our hedging strategy or for other reasons. The operation of our hedging programs is based on models involving numerous estimates and assumptions, including, among others, mortality, lapse, surrender and withdrawal rates and amounts of withdrawals, election rates, fund performance, market volatility, interest rates and correlation among various market movements. There can be no assurance that ultimate actual experience will not differ materially from our assumptions, particularly (but not only) during periods of high market volatility, which could adversely impact results of operations and financial condition. If we are unable to effectively hedge these risks, we could experience economic losses which could have a material adverse impact on our results of operations and financial condition. OUR REINSURANCE ARRANGEMENTS WITH AXA ARIZONA MAY BE ADVERSELY IMPACTED BY CHANGES IN REGULATORY REQUIREMENTS REGARDING THE USE OF CAPTIVES. Recently, the National Association of Insurance Commissioners (the "NAIC") and the New York Department of Financial Services (the "NYDFS") have been scrutinizing and further regulating insurance companies' use of affiliated captive reinsurers or off-shore entities. For additional information, see "Business -- Regulation -- Insurance Regulation." If the Arizona Department of Insurance or other state insurance regulators were to restrict the use of such captive reinsurers or if we otherwise are unable to continue to use a captive reinsurer, the capital management benefits we receive under the AXA Arizona reinsurance arrangement could be adversely affected which could adversely affect our competitive position, capital and financial condition and results of operations. OUR PRODUCTS ARE SUBJECT TO EXTENSIVE REGULATION AND FAILURE TO MEET ANY OF THE COMPLEX PRODUCT REQUIREMENTS MAY REDUCE PROFITABILITY. Our products are subject to a complex and extensive array of state and federal tax, securities, insurance and employee benefit plan laws and regulations, which are administered and enforced by a number of different governmental and self-regulatory authorities, including, among others, state insurance regulators, state securities administrators, state banking authorities, the Securities and Exchange Commission (the "SEC"), the Financial Industry Regulatory Authority, Inc. ("FINRA"), the U.S. Department of Labor (the "DOL") and the Internal Revenue Service (the "IRS"). For example, U.S. federal income tax law imposes requirements relating to insurance product design, administration and investments that are conditions for beneficial tax treatment of such products under the Internal Revenue Code. Additionally, state and federal securities and insurance laws impose requirements relating to insurance product design, offering and distribution and administration. Failure to administer product features in accordance with contract provisions or applicable law, or to meet any of these complex tax, securities, or insurance requirements could subject us to administrative penalties imposed by a particular governmental or self-regulatory authority, unanticipated costs associated with remedying such failure or other claims, litigation, harm to our reputation or interruption of our operations, If this were to occur, it could adversely impact our profitability, results of operations and financial condition. THE AMOUNT OF STATUTORY CAPITAL THAT WE HAVE AND THE AMOUNT OF STATUTORY CAPITAL WE MUST HOLD TO MEET OUR STATUTORY CAPITAL REQUIREMENTS AND OUR FINANCIAL STRENGTH AND CREDIT RATINGS CAN VARY SIGNIFICANTLY FROM TIME TO TIME. Statutory accounting standards and capital and reserve requirements for MLOA are prescribed by the applicable state insurance regulators and the NAIC. State insurance regulators have established regulations that govern reserving requirements and provide minimum capitalization APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 3 requirements based on risk-based capital ("RBC") ratios for life insurance companies. This RBC formula establishes capital requirements relating to insurance, business, asset and interest rate risks. In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to the amount of statutory income or losses we generate (which itself is sensitive to equity market and credit market conditions), changes in reserves, the amount of additional capital we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio (including the value of AB units), changes in interest rates, as well as changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in how to interpret existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain. Our financial strength and credit ratings are significantly influenced by our statutory surplus amount and our RBC ratio. Moreover, rating agencies may implement changes to their internal models that have the effect of increasing or decreasing the amount of capital we must hold in order to maintain our current ratings. To the extent that our statutory capital resources are deemed to be insufficient to maintain a particular rating by one or more rating agencies, our financial strength and credit ratings might be downgraded by one or more rating agencies. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business, results of operations or financial condition. CHANGES IN STATUTORY RESERVE OR OTHER REQUIREMENTS AND/OR THE IMPACT OF ADVERSE MARKET CONDITIONS COULD RESULT IN CHANGES TO OUR PRODUCT OFFERINGS THAT COULD NEGATIVELY IMPACT OUR BUSINESS. Changes in statutory reserve or other requirements, increased costs of hedging, other risk mitigation techniques and financing and other adverse market conditions could result in certain products becoming less profitable or unprofitable. These circumstances may cause us to modify and/or eliminate certain features of various products, including our universal life products among others, and could cause the suspension or cessation of sales of certain products in the future. Any modifications to products that we may make could result in certain of our products being less attractive and/or competitive. This could adversely impact sales which could negatively impact AXA Advisors' ability to retain its sales personnel and our ability to maintain our distribution relationships. This, in turn, may negatively impact our business and results of operations and financial condition. A DOWNGRADE IN OUR FINANCIAL STRENGTH AND CLAIMS-PAYING RATINGS COULD ADVERSELY AFFECT OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. Claims paying and financial strength ratings are important factors in establishing the competitive position of insurance companies. A downgrade of our ratings or those of AXA and/or AXA Financial could adversely affect our business and results of operations by, among other things, reducing new sales of our products, increasing surrenders and withdrawals from our existing contracts, possibly requiring us to reduce prices or take other actions for many of our products and services to remain competitive, or adversely affecting our ability to obtain reinsurance or obtain reasonable pricing on reinsurance. A downgrade in our ratings may also adversely affect our cost of raising capital or limit our access to sources of capital. THE ABILITY OF FINANCIAL PROFESSIONALS ASSOCIATED WITH AXA ADVISORS AND AXA NETWORK TO SELL OUR COMPETITORS' PRODUCTS COULD RESULT IN REDUCED SALES OF OUR PRODUCTS AND REVENUES. Most of the financial professionals associated with AXA Advisors and AXA Network can sell annuity and life insurance products of competing unaffiliated insurance companies. To the extent the financial professionals sell our competitors' products rather than our products, we will experience reduced sales and revenues. THE INABILITY OF AXA ADVISORS AND AXA NETWORK TO RECRUIT, MOTIVATE AND RETAIN EXPERIENCED AND PRODUCTIVE FINANCIAL PROFESSIONALS MAY ADVERSELY AFFECT OUR BUSINESS. Financial professionals associated with AXA Advisors and AXA Network are key factors driving our sales. Intense competition exists among insurers and other financial services companies for financial professionals. Companies compete for financial professionals principally with respect to compensation policies, products and sales support. Competition is particularly intense in the hiring and retention of experienced financial professionals. Although we believe that AXA Advisors and AXA Network offer financial professionals a strong value proposition, we cannot provide assurances that AXA Advisors and AXA Network will be successful in their efforts to recruit, motivate and retain top financial professionals. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 4 RISKS RELATING TO ESTIMATES, ASSUMPTIONS AND VALUATIONS OUR RESERVES COULD BE INADEQUATE DUE TO DIFFERENCES BETWEEN OUR ACTUAL EXPERIENCE AND MANAGEMENT'S ESTIMATES AND ASSUMPTIONS. We establish and carry reserves to pay future policyholder benefits and claims. Our reserve requirements for our direct and reinsurance assumed business are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, interest rates, future equity performance, reinvestment rates, persistency, claims experience, and policyholder elections (i.e., the exercise or non-exercise of rights by policyholders under the contracts). Examples of policyholder elections include, but are not limited to, lapses and surrenders, withdrawals and amounts of withdrawals, and contributions and the allocation thereof. The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain and involve the exercise of significant judgment. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing of payment of, actual benefits and claims or whether the assets supporting the policy liabilities will grow to the level assumed prior to payment of benefits or claims. Our claim costs could increase significantly and our reserves could be inadequate if actual results differ significantly from our estimates and assumptions. If so, we will be required to increase reserves or reduce DAC, which could adversely impact our earnings and/or capital. See "Management's Discussion and Analysis of Financial Conditions and Results of Operations -- Critical Accounting Estimates." OUR PROFITABILITY MAY DECLINE IF MORTALITY RATES OR PERSISTENCY RATES DIFFER SIGNIFICANTLY FROM OUR PRICING EXPECTATIONS. We set prices for our insurance products based upon expected claims and payment patterns, using assumptions for mortality rates of our policyholders. In addition to the potential effect of natural or man-made disasters, significant changes in mortality could emerge gradually over time, due to changes in the natural environment, the health habits of the insured population, the economic environment, or other factors. Pricing of our insurance products are also based in part upon expected persistency of these products, which is the probability that a policy will remain in force from one period to the next. Persistency within our life products may be significantly impacted by, among other things, conditions in the capital markets, the changing needs of our policyholders, the manner in which a product is marketed or illustrated, and competition, including the availability of new products. The development of a secondary market for life insurance, including life settlements or "viaticals" and investor owned life insurance, and to a lesser extent third party investor strategies in the annuities market, could adversely affect the profitability of existing business and our pricing assumptions for new business. Significant deviations in actual experience from our pricing assumptions could have an adverse effect on the profitability of our products. Although some of our products permit us to increase premiums or adjust other charges and credits during the life of the policy, the adjustments permitted under the terms of the policies may not be sufficient to maintain profitability. Many of our products do not permit us to increase premiums or adjust other charges and credits or limit those adjustments during the life of the policy. OUR EARNINGS ARE IMPACTED BY DAC AND VOBA ESTIMATES THAT ARE SUBJECT TO CHANGE. Our earnings for any period depend in part on the amount of our life insurance product acquisition costs (including commissions, underwriting, agency and policy issue expenses) that can be deferred and amortized rather than expensed immediately. They also depend in part on the pattern of DAC and VOBA amortization and the recoverability of DAC and VOBA which are both based on models involving numerous estimates and subjective judgments, including those regarding investment results including, hedging costs, Separate Account performance, Separate Account fees, mortality and expense margins, expected market rates of return, lapse rates and anticipated surrender charges. These estimates and judgments are required to be revised periodically and adjusted as appropriate. Revisions to our estimates may result in a change in DAC and VOBA amortization, which could negatively impact our earnings. WE USE FINANCIAL MODELS THAT RELY ON A NUMBER OF ESTIMATES, ASSUMPTIONS AND PROJECTIONS THAT ARE INHERENTLY UNCERTAIN AND WHICH MAY CONTAIN ERRORS. We use models in our hedging programs and many other aspects of our operations, including but not limited to product development and pricing, capital management, the estimation of actuarial reserves, the amortization of DAC and the value of business acquired and the valuation of certain other assets and liabilities. These models rely on estimates, assumptions and projections that are inherently uncertain and involve the exercise of significant judgment. Due to the complexity of such models, it is possible that errors in the models could exist and our controls could fail to detect such errors. Failure to detect such errors could result in a negative impact to our results of operations and financial position. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 5 THE DETERMINATION OF THE AMOUNT OF ALLOWANCES AND IMPAIRMENTS TAKEN ON OUR INVESTMENTS IS SUBJECTIVE AND COULD MATERIALLY IMPACT OUR RESULTS OF OPERATIONS AND FINANCIAL CONDITION. The determination of the amount of allowances and impairments vary by investment type and is based upon our evaluation and assessment of known and inherent risks associated with the respective asset class. Such evaluations and assessments are revised as conditions change and new information becomes available. Management updates its evaluations regularly and reflects changes in allowances and impairments in operations as such evaluations are revised. There can be no assurance that management's judgments, as reflected in our financial statements, will ultimately prove to be an accurate estimate of the actual and eventual diminution in realized value. Furthermore, additional impairments may need to be taken or allowances provided for in the future. CREDIT AND COUNTERPARTY AND INVESTMENTS RELATED RISKS OUR REQUIREMENTS TO PLEDGE COLLATERAL OR MAKE PAYMENTS RELATED TO DECLINES IN ESTIMATED FAIR VALUE OF SPECIFIED ASSETS MAY ADVERSELY AFFECT OUR LIQUIDITY AND EXPOSE US TO COUNTERPARTY CREDIT RISK. Some of our transactions with financial and other institutions specify the circumstances under which the parties are required to pledge collateral related to any decline in the market value of the specified assets. In addition, under the terms of some of our transactions, we may be required to make payments to our counterparties related to any decline in the market value of the specified assets. The amount of collateral we may be required to pledge and the payments we may be required to make under these agreements may increase under certain circumstances, which could adversely affect our liquidity. See "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Liquidity and Capital Resources." IF THE COUNTERPARTIES TO THE DERIVATIVE INSTRUMENTS WE USE TO HEDGE THE RISKS ON CERTAIN OF OUR PRODUCTS DEFAULT OR FAIL TO PERFORM, WE MAY BE EXPOSED TO RISKS WE HAD SOUGHT TO MITIGATE, WHICH COULD MATERIALLY ADVERSELY AFFECT OUR FINANCIAL CONDITION AND RESULTS OF OPERATIONS. We hedge crediting rates to mitigate certain risks associated with our Market Stabilizer Option(R) and our indexed universal life insurance products. See "Description of Business -- Products -- Reinsurance and Hedging" and "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Derivatives." If our counterparties fail or refuse to honor their obligations under these derivative instruments, we could face significant losses to the extent collateral agreements do not fully offset our exposures. This is a more pronounced risk to us in view of the stresses suffered by financial institutions over the past several years. Such failure could have a material adverse effect on our financial condition and results of operations. LOSSES DUE TO DEFAULTS, ERRORS OR OMISSIONS BY THIRD PARTIES, INCLUDING OUTSOURCING RELATIONSHIPS, COULD MATERIALLY ADVERSELY IMPACT OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. We depend on third parties that owe us money, securities or other assets to pay or perform under their obligations. These parties include the issuers whose securities we hold in our investment portfolios, borrowers under the mortgage loans we make, customers, trading counterparties, counterparties under swap and other derivative contracts, clearing agents, exchanges, clearing houses and other financial intermediaries. These parties may default on their obligations to us due to bankruptcy, lack of liquidity, downturns in the economy or real estate values, operational failure or other reasons. We also depend on third parties in other contexts. For example, in establishing the amount of the liabilities and reserves associated with the risks assumed in connection with reinsurance pools and arrangements, we rely on the accuracy and timely delivery of data and other information from ceding companies. We also rely on third parties to whom we outsource certain technology platforms, information systems and administrative functions, including records retention. For example, we rely on Protective Life to provide all administrative services and other related services with respect to business reinsured with Protective Life. See "Description of Business -- Reinsurance and Hedging." If we do not effectively implement and manage our outsourcing strategy, third party vendor providers do not perform as anticipated, such vendors' internal controls fail or are inadequate, or we experience technological or other problems associated with outsourcing transitions, we may not realize anticipated productivity improvements or cost efficiencies and may experience operational difficulties, increased costs and reputational damage. Losses associated with defaults or other failures by these third parties and outsourcing partners upon whom we rely could materially adversely impact our business, results of operations and financial condition. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 6 SOME OF OUR INVESTMENTS ARE RELATIVELY ILLIQUID AND MAY BE DIFFICULT TO SELL, OR TO SELL IN SIGNIFICANT AMOUNTS AT ACCEPTABLE PRICES, TO GENERATE CASH TO MEET OUR NEEDS. We hold certain investments that may lack liquidity, such as privately placed fixed maturity securities, commercial mortgage backed securities. These asset classes represented approximately 20% of the carrying value of our total cash and invested assets as of December 31, 2014. Although we seek to adjust our cash and short-term investment positions to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate these investments on short notice, we may have difficulty doing so and be forced to sell them for less than we otherwise would have been able to realize. See "Management's Discussion and Analysis of Financial Condition and Results of Operations -- General Accounts Investment Portfolio." GROSS UNREALIZED LOSSES ON FIXED MATURITY SECURITIES MAY BE REALIZED OR RESULT IN FUTURE IMPAIRMENTS, RESULTING IN A REDUCTION IN OUR NET EARNINGS. Fixed maturity securities classified as available-for-sale are reported at fair value. Unrealized gains or losses on available-for-sale securities are recognized as a component of other comprehensive income (loss) and are, therefore, excluded from net earnings. Our gross unrealized losses on fixed maturity securities at December 31, 2014 were approximately $13 million. The accumulated change in estimated fair value of these available-for-sale securities is recognized in net earnings when the gain or loss is realized upon the sale of the security or in the event that the decline in estimated fair value is determined to be other-than-temporary and an impairment charge to earnings is taken. Realized losses or impairments may have a material adverse effect on our net earnings in a particular quarterly or annual period. See "Management's Discussion and Analysis of Financial Condition and Results of Operations -- General Accounts Investment Portfolio." LEGAL AND REGULATORY RISKS WE ARE HEAVILY REGULATED, AND CHANGES IN REGULATION MAY REDUCE OUR PROFITABILITY AND LIMIT OUR GROWTH. INSURANCE REGULATION: We are subject to a wide variety of insurance and other laws and regulations. See "Description of Business -- Regulation." State insurance laws regulate most aspects of our insurance business. We are domiciled in Arizona and are primarily regulated by the Director of Insurance of the Arizona Department of Insurance and by the states in which we are licensed. Our products are highly regulated and approved by the individual state regulators where such products are sold. State insurance regulators and the NAIC regularly reexamine existing laws and regulations applicable to insurance companies and their products. Changes in these laws and regulations, or in interpretations thereof, including, potentially rescinding prior product approvals, are often made for the benefit of the consumer at the expense of the insurer and, thus, could have a material adverse effect on our financial condition and results of operations. See "Description of Business -- Regulation -- Insurance Regulation" and "Description of Business -- Regulation -- NAIC." U.S. FEDERAL REGULATION AFFECTING INSURANCE: Currently, the U.S. federal government does not directly regulate the business of insurance. While the Dodd-Frank Wall Street and Consumer Protection Act (the "Dodd Frank Act") does not remove primary responsibility for the supervision and regulation of insurance from the states, Title V of the Act establishes a Federal Reserve Insurance Office (the "FIO") within the U.S. Treasury Department and reforms the regulation of the non-admitted property and casualty insurance market and the reinsurance market. Federal legislation and administrative policies can significantly and adversely affect insurance companies, including policies regarding financial services regulation, securities regulation, derivatives regulation, pension regulation, health care regulation, privacy, tort reform legislation and taxation. In addition, various forms of direct and indirect federal regulation of insurance have been proposed from time to time, including proposals for the establishment of an optional federal charter for insurance companies. Other aspects of our insurance operations could also be affected by Dodd-Frank. For example, the Dodd-Frank Act includes a new framework of regulation of the over-the-counter ("OTC") derivatives markets. See "Description of Business -- Regulation -- Dodd-Frank Wall Street Reform and Consumer Protection Act." INTERNATIONAL REGULATION: In addition, regulators and lawmakers in non-U.S. jurisdictions are engaged in addressing the causes of the financial crisis and means of avoiding such crises in the future. For example, the Financial Stability Board (the "FSB") has identified nine global systemically important insurers ("G-SIIs"), which includes AXA, our parent company. While the precise implications of being designated a G-SII are not yet clear, it could have far reaching regulatory and competitive implications for the AXA Group and adversely impact AXA's capital requirements, profitability, the fungibility of AXA's capital and ability to provide capital/financial support for AXA Group companies, including potentially, MLOA, AXA's ability to grow through future acquisitions, change the way AXA conducts its business and AXA's overall competitive position in relation to insurance groups that are not designated G-SIIs. All of these possibilities, if they occurred, could affect the way we conduct our business (including, for example, which products we offer) and manage capital, and may require us to satisfy increased capital requirements, and of which in turn could materially affect our competitive position, results of operations, financial condition and liquidity. See "Description of Business -- Regulation -- International Regulation." APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 7 GENERAL: From time to time, regulators raise issues during examinations or audits of us and regulated subsidiaries that could, if determined adversely, have a material impact on us. In addition, the interpretations of regulations by regulators may change and statutes may be enacted with retroactive impact, particularly in areas such as accounting or statutory reserve requirements. We are also subject to other regulations and may in the future become subject to additional regulations. See "Description of Business -- Regulation." Compliance with applicable laws and regulations is time consuming and personnel-intensive, and changes in these laws and regulations may materially increase our direct and indirect compliance and other expenses of doing business, thus having a material adverse effect on our results of operations and financial condition. LEGAL AND REGULATORY ACTIONS COULD HAVE A MATERIAL ADVERSE EFFECT ON OUR BUSINESS, RESULTS OF OPERATIONS AND FINANCIAL CONDITION. A number of lawsuits have been filed or commenced against life insurers in the jurisdictions in which we do business. These actions and proceedings involve, among other things, insurers' sales practices, alleged agent misconduct, failure to properly supervise agents, product design and features and accompanying disclosure, the use of captives, alleged breach of fiduciary duties, alleged mismanagement of client funds and other matters. Some of these lawsuits have resulted in the award of substantial judgments against other insurers, including material amounts of punitive damages, or in substantial settlements. In some states, juries have substantial discretion in awarding punitive damages. We, like other life insurers, are involved in such litigation and our results of operations and financial position could be affected by defense and settlement costs and any unexpected material adverse outcomes in such litigations as well as in other material litigations pending against us. The frequency of large damage awards, including large punitive damage awards that bear little or no relation to actual economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an unpredictable judgment in any given matter. In addition, examinations by Federal and state regulators and other governmental and self-regulatory agencies including, among others, the SEC, state attorneys general, insurance and securities regulators and FINRA could result in adverse publicity, sanctions, fines and other costs. We have provided and, in certain cases, continue to provide information and documents to the SEC, FINRA, state attorneys general, state insurance departments and other regulators on a wide range of issues. At this time, management cannot predict what actions the SEC, FINRA and/or other regulators may take or what the impact of such actions might be. See "Description of Business -- Regulation" and Note 12 of Notes to Financial Statements. CHANGES IN U.S. TAX LAWS AND REGULATIONS MAY ADVERSELY AFFECT SALES OF OUR PRODUCTS AND OUR PROFITABILITY. Currently, U.S. tax law provisions afford certain benefits to life insurance products. The nature and extent of competition and the markets for our life insurance products and our profitability may be materially affected by changes in tax laws and regulations, including changes relating to savings and retirement funding. Adverse changes could include, among many other things, the introduction of current taxation of increases in the account value of life insurance products, improved tax treatment of mutual funds or other investments as compared to insurance products or repeal of the Federal estate tax. Management cannot predict what proposals may be made, what legislation, if any, may be introduced or enacted or what the effect of any such legislation might be. See "Description of Business -- Regulation -- Federal Tax Legislation." CHANGES IN ACCOUNTING STANDARDS COULD HAVE A MATERIAL ADVERSE EFFECT ON OUR RESULTS OF OPERATIONS AND/OR FINANCIAL CONDITION. Our financial statements are prepared in accordance with accounting principles generally accepted in the United States of America that are revised from time to time. Accordingly, from time to time we are required to adopt new or revised accounting standards issued by recognized authoritative bodies, including the Financial Accounting Standards Board ("FASB"). In the future, new accounting pronouncements, as well as new interpretations of existing accounting pronouncements, may have material adverse effects on our results of operations and/or financial condition. See Note 2 of Notes to Financial Statements. In addition AXA, our ultimate parent company, prepares consolidated financial statements in accordance with International Financial Reporting Standards ("IFRS"). From time to time AXA may be required to adopt new or revised accounting standards issued by recognized authoritative bodies, including the International Accounting Standards Board ("IASB"). In the future, new accounting pronouncements, as well as new interpretations of existing accounting pronouncements, may have material adverse effects on AXA's consolidated results of operations and/or financial condition which could impact the way we conduct our business (including, for example, which products we offer), our competitive position and the way we manage capital. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 8 OPERATIONAL AND OTHER RISKS OUR COMPUTER SYSTEMS MAY FAIL OR THEIR SECURITY MAY BE COMPROMISED, WHICH COULD ADVERSELY IMPACT OUR BUSINESS AND CONSOLIDATED RESULTS OF OPERATIONS AND FINANCIAL CONDITION. Our business is highly dependent upon the effective operation of our computer systems. We also have arrangements in place with outside vendors and other third-party service providers through which we share and receive information. We rely on these systems throughout our business for a variety of functions, including processing claims and applications, providing information to customers and distributors, performing actuarial analyses and modelling, hedging and maintaining financial records. Despite the implementation of security and back-up measures, our computer systems and those of our outside vendors and third-party service providers may be vulnerable to physical or electronic intrusions, computer viruses or other attacks, programming errors and similar disruptive problems. The failure of these systems for any reason could cause significant interruptions to our operations, which could result in a material adverse effect on our business, financial condition or results of operations. We retain confidential information in our computer systems, and we rely on commercial technologies to maintain the security of those systems. Anyone who is able to circumvent our security measures and penetrate our computer systems could access, view, misappropriate, alter or delete any information in the systems, including personally identifiable customer information and proprietary business information. Our employees, distribution partners and other vendors may use portable computers or mobile devices which may contain similar information to that in our computer systems, and these devices have been and can be lost, stolen or damaged. In addition, an increasing number of states require that customers be notified if a security breach results in the inappropriate disclosure of personally identifiable customer information. Any compromise of the security of our computer systems that results in inappropriate disclosure of personally identifiable customer information could damage our reputation in the marketplace, deter people from purchasing our products, subject us to significant civil and criminal liability and require us to incur significant technical, legal and other expenses. OUR BUSINESS COULD BE ADVERSELY AFFECTED BY THE OCCURRENCE OF A CATASTROPHE, INCLUDING NATURAL OR MAN-MADE DISASTERS. Any catastrophic event, such as pandemic diseases, terrorist attacks, floods, severe storms or hurricanes or computer cyber-terrorism, could have an adverse effect on our business in several respects: . we could experience long-term interruptions in our service and the services provided by our significant vendors due to the effects of catastrophic events. Some of our operational systems are not fully redundant, and our disaster recovery and business continuity planning cannot account for all eventualities. Additionally, unanticipated problems with our disaster recovery systems could further impede our ability to conduct business, particularly if those problems affect our computer-based data processing, transmission, storage and retrieval systems and destroy valuable data; . the occurrence of a pandemic disease could have a material adverse effect on our liquidity and operating results due to increased mortality and, in certain cases, morbidity rates; . the occurrence of any pandemic disease, natural disaster, terrorist attacks or any other catastrophic event that results in our workforce being unable to be physically located at one of our facilities could result in lengthy interruptions in our service; and . another terrorist attack in the United States could have long-term economic impacts that may have severe negative effects on our investment portfolio and disrupt our business operations. Any continuous and heightened threat of terrorist attacks could also result in increased costs of reinsurance. OUR RISK MANAGEMENT POLICIES AND PROCEDURES MAY NOT BE ADEQUATE, WHICH MAY LEAVE US EXPOSED TO UNIDENTIFIED OR UNANTICIPATED RISKS, WHICH COULD NEGATIVELY AFFECT OUR BUSINESSES OR RESULT IN LOSSES. Our policies and procedures to identify, monitor and manage risks may not be adequate or fully effective. Many of our methods of managing risk and exposures are based upon our use of historical market behavior or statistics based on historical models. As a result, these methods may not predict future exposures, which could be significantly greater than the historical measures indicate, such as the risk of pandemics causing a large number of deaths or terrorism. Other risk management methods depend upon the evaluation of information regarding markets, clients, catastrophe occurrence or other matters that is publicly available or otherwise accessible to us, which may not always be accurate, complete, up-to-date or properly evaluated. WE MAY NOT BE ABLE TO PROTECT OUR INTELLECTUAL PROPERTY AND MAY BE SUBJECT TO INFRINGEMENT CLAIMS BY A THIRD PARTY. We rely on a combination of contractual rights, copyright, trademark, and trade secret laws to establish and protect our intellectual property. Although we use a broad range of measures to protect our intellectual property rights, third parties may infringe or misappropriate our APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 9 intellectual property. The loss of intellectual property protection or the inability to secure or enforce the protection of our intellectual property assets could have a material adverse effect on our business and our ability to compete. Third parties may have, or may eventually be issued, patents or other protections that could be infringed by our products, methods, processes or services or could limit our ability to offer certain product features. In recent years, there has been increasing intellectual property litigation in the financial services industry challenging, among other things, product designs and business processes. If a third party were to successfully assert an intellectual property infringement claim against us, or if we were otherwise precluded from offering certain features or designs, or utilizing certain processes, it could have a material adverse effect on our business, results of operations and financial condition. See "Description of Business -- Intellectual Property." WE FACE COMPETITION FROM OTHER INSURANCE COMPANIES, BANKS AND OTHER FINANCIAL INSTITUTIONS, WHICH MAY ADVERSELY IMPACT OUR MARKET SHARE AND PROFITABILITY. There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products and services we provide. Competition is intense among a broad range of financial institutions and other financial service providers for retirement and other savings dollars. This competition makes it especially difficult to provide unique insurance products since, once such products are made available to the public, they often are reproduced and offered by our competitors. Also, this competition may adversely impact our market share and profitability. Our ability to compete is dependent on numerous factors including, among others, the successful implementation of our strategy; our financial strength as evidenced, in part, by our financial and claims-paying ratings; new regulations and/or different interpretations of existing regulations; our access to diversified sources of distribution; our size and scale; our product quality, range, features/functionality and price; our ability to bring customized products to the market quickly; our ability to explain complicated products and features to our distribution channels and customers; crediting rates on our fixed products; the visibility, recognition and understanding of our brands in the marketplace; our reputation and quality of service; and, with respect to variable insurance products, investment options, flexibility and investment management performance. See "Description of Business -- Competition." CONSOLIDATION OF DISTRIBUTORS OF INSURANCE PRODUCTS MAY ADVERSELY AFFECT THE INSURANCE INDUSTRY AND THE PROFITABILITY OF OUR BUSINESS. The insurance industry distributes many of its products through other financial institutions such as banks and broker-dealers. An increase in the consolidation activity of bank and other financial services companies may create firms with even stronger competitive positions, negatively impact the industry's sales, and could increase competition for access to distributors, result in greater distribution expenses and impair our ability to market insurance products to our current customer base or expand our customer base. Consolidation of distributors and/or other industry changes may also increase the likelihood that distributors will try to renegotiate the terms of any existing selling agreements to terms less favorable to us. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 10 DESCRIPTION OF BUSINESS1 OVERVIEW MLOA, established in the state of Arizona in 1969, is a wholly owned subsidiary of AXA Financial. Our primary business is to provide life insurance products to both individuals and businesses. We are licensed to sell our products in 49 states (not including New York), the District of Columbia and Puerto Rico. AXA Financial is an indirect wholly owned subsidiary of AXA S.A. ("AXA"), a French holding company for an international group of insurance and related financial services companies. For additional information regarding AXA, see "Description of Business -- Parent Company." PRODUCTS As part of AXA Financial's ongoing efforts to efficiently manage capital amongst its insurance subsidiaries, improve the quality of the product line-up of its insurance subsidiaries and enhance the overall profitability of AXA Financial Group, most sales of indexed life insurance to policyholders located outside of New York are being issued through MLOA instead of AXA Equitable, another life insurance subsidiary of AXA Financial. We expect that AXA Financial will continue to issue newly developed life insurance products, which are issued to policyholders located outside of New York through MLOA instead of AXA Equitable. Since future decisions regarding product development depend on factors and considerations not yet known, management is unable to predict the extent to which we will offer other products in the future. We recently announced our plans to enter the group employee benefits business during the second half of 2015. We expect to offer a suite of benefit products including group life insurance, dental and vision, short- and long-term disability, gap medical and hospital indemnity and critical illness to small and medium sized businesses. Our primary life insurance product offerings include: TERM. We recently introduced a term life insurance product. Term life is a simple form of life insurance. Term life products provide a guaranteed benefit upon the death of the insured for a specific time period (the term) in return for the periodic payment of premiums. Our new product, BrightLife(R) TermOne(R), is a type of term life insurance that is non-renewable and expires after one year. UNIVERSAL LIFE. Universal life is a form of permanent life insurance that provides protection in case of death, as well as a savings or cash value component. The cash value of a universal life policy is based on the amount of premiums paid, the declared interest crediting rate and the policy charges. Unlike term life or whole life insurance, flexible premium universal life policies permit flexibility in the amount and timing of premium payments (within limits) and they generally offer the policyholder the ability to choose one of two death benefit options: level benefit equal to the policy's original face amount or a variable benefit equal to the original face amount plus any existing policy account value. We also offer an indexed universal life product. Indexed universal life insurance combines life insurance with equity-linked accumulation potential. The equity linked option(s) provide upside potential for cash value accumulation up to certain growth cap rates and downside protection through a floor for certain investment periods. This floor will limit the impact of decreases over the investment period in the values of the indices selected. VARIABLE UNIVERSAL LIFE. Variable universal life is a form of permanent life insurance that combines the premium and death benefit flexibility of universal life insurance with investment opportunity. A policyholder can invest premiums in one or more underlying portfolios offering different levels of risk and growth potential. The investment portfolios provide long-term growth potential, tax deferred earnings and the ability to make tax free transfers among the investment portfolios. A policyholder can choose one of two death benefit options: level benefit equal to the policy's original face amount or a variable benefit equal to the original face amount plus any existing policy account value. Variable universal life insurance products offered by us include single-life products, second-to-die policies (which pay death benefits following the death of both insureds) and products for the corporate-owned life insurance ("COLI") market. ----------- 1 As used herein, the terms "MLOA", "we", "our" and/or "us" refers to MONY Life Insurance Company of America, an Arizona stock life insurance company, "AXA Financial" refers to AXA Financial, Inc., a Delaware corporation incorporated in 1991, "AXA Financial Group" refers to AXA Financial and its consolidated subsidiaries, including AXA Equitable Life Insurance Company ("AXA Equitable"). The term "MONY" refers to The MONY Group Inc., a Delaware corporation acquired by AXA Financial on July 8, 2004 that merged with and into AXA Financial on July 22, 2004 (the "MONY Acquisition"), and the term "MONY Companies" means MONY Life Insurance Company, MLOA, U.S. Financial Life Insurance Company and the other subsidiaries of MONY acquired by AXA Financial in the MONY Acquisition. The term "Separate Accounts" refers to the separate account investment assets of MLOA excluding the assets held in those separate accounts on which MLOA bears the investment risk. The term "General Account Investment Assets" refers to assets held in the General Account associated with MLOA's continuing operations. Unless otherwise defined herein, capitalized terms used in the "Description of Business" are defined in the "Risk Factors" that immediately precede this section. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 11 We offer the Market Stabilizer Option(R), an investment option, on our variable universal life product. The Market Stabilizer Option(R) offers a policyholder growth potential (up to a cap) and downside protection through a buffer. Through the use of the upside caps and a downside buffer, the Market Stabilizer Option(R) helps a policyholder manage volatility in his/her variable universal life policy, which may reduce or potentially eliminate losses. For additional information, see "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Premiums and Deposits." SEPARATE ACCOUNT ASSETS Variable life products offer purchasers the opportunity to direct the investment of their account values into various Separate Account investment options. The investment options available to MLOA's variable life policyholders are comprised of the proprietary fund families of EQ Advisors Trust ("EQAT"), AXA Premier VIP Trust ("VIP Trust"), each of which are mutual funds for which our affiliate, AXA Equitable Funds Management Group, LLC, serves as the investment manager (and, in certain instances provides day-to-day portfolio management services as the investment adviser) and administrator, and various non-proprietary fund families for which third parties serve as investment manager. Depending on the investment options available under the specific contract, variable policyholders may allocate their funds among a wide variety of these investment options. EQAT is a mutual fund offering variable life policyholders a choice of single or multi-advised equity, bond and money market investment portfolios, "hybrid" portfolios whose assets are allocated among multiple sub-advisers, and thirteen asset allocation portfolios that invest in other portfolios of EQAT and/or VIP Trust and other unaffiliated investment companies or exchange traded funds. VIP Trust is a mutual fund offering variable life policyholders a choice of multi-advised equity and bond investment portfolios, as well as twenty-eight asset allocation portfolios that invest in other portfolios of EQAT and/or VIP Trust and other unaffiliated investment companies or exchange traded funds. Certain of the EQAT and VIP Trust equity portfolios employ a managed volatility strategy that seeks to reduce equity exposure during periods in which market volatility has increased to levels that are meaningfully higher than long-term historic averages. MARKETS We primarily target affluent and emerging affluent individuals such as professionals and business owners, as well as existing clients. Variable and universal life insurance is targeted at individuals for protection and estate planning purposes, and at business owners to assist in, among other things, business continuation planning and funding for executive benefits. DISTRIBUTION We distribute our products through Retail and Wholesale distribution channels. RETAIL DISTRIBUTION. Our products are offered on a retail basis in 49 states (not including New York), the District of Columbia and Puerto Rico through financial professionals associated with AXA Advisors, LLC ("AXA Advisors"), an affiliated broker-dealer, and AXA Network, LLC ("AXA Network"), an affiliated insurance agency. These financial professionals also have access to and can offer a broad array of annuity, life insurance and investment products and services from unaffiliated insurers and other financial service providers. WHOLESALE DISTRIBUTION. We also distribute our products on a wholesale basis through AXA Distributors, LLC ("AXA Distributors"), an affiliated wholesale distribution company, to third-party broker-dealers and insurance brokerage general agencies. We have entered into agreements pursuant to which we compensate AXA Advisors, AXA Network and AXA Distributors for distributing and servicing our products. The agreements provide that compensation will not exceed any limitations imposed by applicable law. For additional information on premiums and deposits by the retail and wholesale channels, see "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Premium and Deposits." REINSURANCE AND HEDGING We have in place reinsurance and hedging programs to reduce our exposure to mortality, equity market fluctuations, interest rate fluctuations and certain other product features. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 12 REINSURANCE. On October 1, 2013, we entered into a reinsurance agreement (the "Reinsurance Agreement") with Protective Life Insurance Company ("Protective Life") pursuant to which Protective Life is reinsuring on a 100% indemnity reinsurance basis an in-force book of life insurance and annuity policies, written by MLOA primarily prior to 2004. Under the terms of the Reinsurance Agreement, we transferred and ceded assets equal to approximately $1,308 million, net of ceding commission of approximately $370 million in consideration of the transfer of liabilities amounting to approximately $1,374 million. In addition to the Reinsurance Agreement, we entered into a long-term administrative services agreement with Protective Life whereby Protective Life will provide all administrative and other services with respect to the reinsured business. For additional information regarding the Reinsurance Agreement, see Notes 1, 4, 6 and 7 of Notes to Financial Statements and "Management's Discussion and Analysis of Financial Condition and Results of Operations". For business not reinsured with Protective Life, we generally reinsure our variable life, interest-sensitive life and term life insurance policies on an excess of retention basis. In 2014, we generally retained up to a maximum of $4 million of mortality risk on single-life policies and up to a maximum of $6 million of mortality risk on second-to-die policies. For amounts applied for in excess of those limits, reinsurance is ceded to AXA Equitable up to a combined maximum of $20 million of risk on single-life policies and up to a maximum of $25 million of risk on second-to-die policies. For amounts issued in excess of those limits we typically obtained reinsurance from unaffiliated third parties. The reinsurance arrangements obligate the reinsurer to pay a portion of any death claim in excess of the amount we retain in exchange for an agreed-upon premium. In addition, we have reinsured the no lapse guarantee riders contained in certain variable and interest sensitive life insurance policies through AXA RE Arizona Company ("AXA Arizona"), a captive reinsurance company established by AXA Financial in 2003. REINSURANCE ASSUMED. We do not assume reinsurance from any non-affiliated insurance company. For additional information about reinsurance strategies implemented and affiliate reinsurance assumed, see Notes 6 and 7 of Notes to Financial Statements. HEDGING. We hedge crediting rates to mitigate certain risks associated with our Market Stabilizer Option(R) and our indexed universal life insurance products. These products permit the contract owner to participate in the performance of an index, ETF or a commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which we will absorb up to a certain percentage loss of value in an index, ETF or commodity price, which varies by product segment. In order to support the returns associated with these features, we enter into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price, subject to caps and buffers. For additional information about reinsurance and hedging strategies, see "Risk Factors," "Management's Discussion and Analysis of Financial Condition and Results of Operations" and Notes 6 and 7 of Notes to Financial Statements. POLICYHOLDER LIABILITIES AND RESERVES We establish, and carry as liabilities, actuarially determined amounts that are calculated to meet our policy obligations when a policy matures or is surrendered, an insured dies or becomes disabled or upon the occurrence of other covered events. Our reserve requirements are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, interest rates, future equity performance, reinvestment rates, persistency, claims experience and policyholder elections (i.e., lapses and surrenders, withdrawals and amounts of withdrawals, contributions and the allocation thereof, etc.), which we modify to reflect our actual experience and/or refined assumptions when appropriate. Pursuant to state insurance laws, we establish statutory reserves, reported as liabilities, to meet our obligations on our policies. These statutory reserves are established in amounts sufficient to meet policy obligations, when taken together with expected future premiums and interest at assumed rates. Statutory reserves generally differ from actuarial liabilities for future policy benefits determined using U.S. GAAP. State insurance laws and regulations require that we submit to state insurance departments, with each annual report, an opinion and memorandum of a "qualified actuary" that the statutory reserves and related actuarial amounts recorded in support of specified policies, and the assets supporting such statutory reserves and related actuarial amounts, make adequate provision for its statutory liabilities with respect to these obligations. For additional information on Policyholder Liabilities, see "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Critical Accounting Policies and Estimates", "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Results of Operations" and "Risk Factors." APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 13 UNDERWRITING AND PRICING UNDERWRITING. We employ detailed underwriting policies, guidelines and procedures designed to align mortality results with the assumptions used in product pricing while providing for competitive risk selection. The risk selection process is carried out by underwriters who evaluate policy applications based on information provided by the applicant and other sources. Specific tests, such as blood analysis, are used to evaluate policy applications based on the size of the policy, the age of the applicant and other factors. The purpose of this process is to determine the type and amount of risk that we are willing to accept. In addition, we continue to utilize and further develop alternative underwriting methods that rely on predictive modeling. We have senior level oversight of the underwriting process in order to facilitate quality sales and serve the needs of our customers, while supporting our financial strength and business objectives. The application of our underwriting guidelines is periodically reviewed through internal underwriting audits in order to achieve high standards of underwriting and consistency. PRICING. Pricing for our products is designed to allow us to make an appropriate profit after paying benefits to customers, and taking account of all the risks we assume. Product pricing is calculated through the use of estimates and assumptions for mortality, withdrawal rates and amounts, expenses, persistency, policyholder elections and investment returns, as well as certain macroeconomic factors. Assumptions used are determined in light of our underwriting standards and practices. Investment-oriented products are priced based on various factors, which may include investment return, expenses, persistency and optionality. Our life insurance products are highly regulated by the individual state regulators where such products are sold. From time to time, we reevaluate the type and level of features currently being offered and may change the nature and/or pricing of such features for new sales. We continually review our underwriting and pricing guidelines with a view to maintaining competitive offerings that are consistent with maintaining our financial strength and meeting profitability goals. GENERAL ACCOUNT INVESTMENT PORTFOLIO The General Account consists of a diversified portfolio of principally fixed-income investments. The following table summarizes our General Account Investment Assets by asset category at December 31, 2014: MONY LIFE INSURANCE COMPANY OF AMERICA GENERAL ACCOUNT INVESTMENT ASSETS
AMOUNT % OF TOTAL --------- ---------- (IN MILLIONS) Fixed maturities, available for sale, at fair value...... $ 859 92.8% Policy Loans............................................. 20 2.1 Other invested assets.................................... 1 0.1 --------- --------- Total investments...................................... 880 95.0 Cash and cash equivalents................................ 46 5.0 --------- --------- Total.................................................... $ 926 100.0% ========= =========
/(1)/See "Management's Discussion and Analysis of Financial Condition and Results of Operations -- General Account Investment Portfolio -- Investment Results of General Account Investment Assets" for further information on these investment assets and their results. We have asset/liability management with separate investment objectives for specific classes of product liabilities. We establish investment strategies to manage each product class' investment return, duration and liquidity requirements, consistent with management's overall investment objectives for the General Account investment portfolio. INVESTMENT SURVEILLANCE. As part of our investment management process, management, with the assistance of its investment advisors, continuously monitors General Account investment performance. This internal review process culminates with a quarterly review of assets by our Investment Under Surveillance ("IUS") Committee. The IUS Committee, among other things, evaluates whether any investments are other than temporarily impaired and, therefore, must be written down to their fair value and whether specific investments should be put on an interest non-accrual basis. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 14 COMPETITION There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products we provide. Competition is intense among a broad range of financial institutions and other financial service providers for retirement and other savings dollars. For additional information regarding competition, see "Risk Factors." The principal competitive factors affecting our business are our financial strength as evidenced, in part, by our financial and claims-paying ratings; access to capital; access to diversified sources of distribution; size and scale; product quality, range, features/functionality and price; our ability to bring customized products to the market quickly; our ability to explain complicated products and features to our distribution channels and customers; crediting rates on fixed products; visibility, recognition and understanding of our brand in the marketplace; reputation and quality of service; and, with respect to variable insurance, investment options, flexibility and investment management performance. We and our affiliated distributors must attract and retain productive sales representatives to sell our products. Strong competition continues among financial institutions for sales representatives with demonstrated ability. We and our affiliated distribution companies compete with other financial institutions for sales representatives primarily on the basis of financial position, product breadth and features, support services and compensation policies. For additional information, see "Risk Factors." Legislative and other changes affecting the regulatory environment can affect our competitive position within the life insurance industry and within the broader financial services industry. For additional information, see "Description of Business -- Regulation" and "Risk Factors." REGULATION INSURANCE REGULATION We are licensed to transact insurance business in all states other than New York and are subject to extensive regulation and supervision by insurance regulators in these states and the District of Columbia and Puerto Rico. We are domiciled in Arizona and are primarily regulated by the Director of Insurance of the Arizona Department of Insurance. The extent of regulation by jurisdiction varies, but most jurisdictions have laws and regulations governing the financial aspects and business conduct of insurers. State laws in the U.S. grant insurance regulatory authorities broad administrative powers with respect to, among other things, sales practices, establishing statutory capital and reserve requirements and solvency standards, reinsurance and hedging, protecting privacy, regulating advertising, restricting the payment of dividends and other transactions between affiliates, permitted types and concentrations of investments, and business conduct to be maintained by insurance companies as well as agent licensing, approval of policy forms and, for certain lines of insurance, approval or filing of rates. Insurance regulators have the discretionary authority to limit or prohibit new issuances of business to policyholders within their jurisdictions when, in their judgment, such regulators determine that the issuing company is not maintaining adequate statutory surplus or capital. For additional information on Insurance Supervision, see "Risk Factors." We are required to file detailed annual financial statements, prepared on a statutory accounting basis, with supervisory agencies in each of the jurisdictions in which we do business. Such agencies may conduct regular or targeted examinations of our operations and accounts, and make requests for particular information from us. In addition to oversight by state insurance regulators, in recent years, the insurance industry has seen an increase in inquiries from state attorneys general and other state officials regarding compliance with certain state insurance, securities and other applicable laws. We have received and responded to such inquiries from time to time. HOLDING COMPANY AND SHAREHOLDER DIVIDEND REGULATION. Most states, including Arizona, regulate transactions between an insurer and its affiliates under insurance holding company acts. The insurance holding company laws and regulations vary from jurisdiction to jurisdiction, but generally require a controlled insurance company (insurers that are subsidiaries of insurance holding companies) to register with state regulatory authorities and to file with those authorities certain reports, including information concerning its capital structure, ownership, financial condition, certain intercompany transactions and general business operations. State insurance statutes also typically place restrictions and limitations on the amount of dividends or other distributions payable by insurance company subsidiaries to their parent companies, as well as on transactions between an insurer and its affiliates. For additional information on shareholder dividends, see "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Liquidity and Capital Resources." NAIC. The National Association of Insurance Commissioner (the "NAIC") is an organization, the mandate of which is to benefit state insurance regulatory authorities and consumers by promulgating model insurance laws and regulations for adoption by the states. The NAIC provides standardized insurance industry accounting and reporting guidance through its Accounting Practices and Procedures Manual (the "Manual"). APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 15 However, statutory accounting principles continue to be established by individual state laws, regulations and permitted practices. Changes to the Manual or modifications by the various state insurance departments may impact the statutory capital and surplus of our U.S. insurance companies. The NAIC currently has in place its "Solvency Modernization Initiative," which is designed to review the U.S. financial regulatory system and all aspects of financial regulation affecting insurance companies. Though broad in scope, the NAIC has stated that the Solvency Modernization Initiative will focus on: (1) capital requirements; (2) governance and risk management; (3) group supervision; (4) statutory accounting and financial reporting; and (5) reinsurance. In furtherance of this initiative, the NAIC adopted the Corporate Governance Annual Filing Model Act and Regulation at its August 2014 meeting. The new model, which requires insurers to make an annual confidential filing regarding their corporate governance policies, is expected to become effective in 2016. In addition, in September 2012, the NAIC adopted the Risk Management and Own Risk and Solvency Assessment Model Act ("ORSA"), which has not yet been enacted by the Arizona Department of Insurance. ORSA requires that insurers maintain a risk management framework and conduct an internal own risk and solvency assessment of the insurer's material risks in normal and stressed environments. The assessment must be documented in a confidential annual summary report, a copy of which must be made available to regulators as required or upon request. In December 2012, the NAIC approved a new valuation manual containing a principles-based approach to life insurance company reserves. Principles-based reserving is designed to better address reserving for products, including the current generation of products for which the current formulaic basis for reserve determination does not work effectively. The principles-based approach will not become effective unless it is enacted into law by a minimum number of state legislatures. Insurance commissioners of certain states oppose or do not actively support the principles-based reserve approach. CAPTIVE REINSURER REGULATION. During the last few years, the NAIC and the NYDFS have been scrutinizing insurance companies' use of affiliated captive reinsurers or off-shore entities following a report issued by the NYDFS in June 2013, as part of an industry wide inquiry. The report recommended that (i) the NAIC develop enhanced disclosure requirements for reserve financing transactions involving captive insurers, (ii) the Federal Insurance Office (the "FIO"), Office of Financial Research (the "OFR"), the NAIC and state insurance commissioners conduct inquiries similar to the NYDFS inquiry and (iii) state insurance commissioners consider an immediate national moratorium on new reserve financing transactions involving captive insurers until these inquiries are complete. In June 2014, Rector & Associates, Inc., a consulting firm commissioned by the NAIC, presented a report to the NAIC's Principle-Based Reserving Implementation Task Force (the "Rector Report") that recommended, among other things, placing limitations on the types of assets that may be used to finance reserves associated with certain term and universal life insurance policies and making adoption of new regulations contemplated by the Rector Report by individual states an NAIC accreditation standard. In December 2014, the NAIC adopted Actuarial Guideline XLVIII -- Actuarial Opinion and Memorandum Requirements for the Reinsurance of Policies Required to be Valued under Sections 6 and 7 of the NAIC Valuation of Life Insurance Policies Model Regulation (#830) ("AG 48"), a new actuarial guideline that is designed to implement many of the recommendations in the Rector Report related to the determination of the portion of the reserves that may be supported by specified asset classes in connection with certain transactions involving captive reinsurance companies. The requirements in AG 48 became effective on January 1, 2015 and apply in respect of certain term and universal life insurance policies written from and after January 1, 2015 or written prior to January 1, 2015 but not included in a captive reinsurer financing arrangement as of December 31, 2014. The NAIC and state regulators also continue to consider additional changes based on the Rector Report. Like many life insurance companies, we utilize a captive reinsurer as part of our capital management strategy. We cannot predict what, if any, changes may result from these reviews, further regulation and/or pending lawsuits regarding the use of captives. If the Arizona Department of Insurance or other state insurance regulators were to restrict the use of such captive reinsurers or if we otherwise are unable to continue to use our captive reinsurer, the capital management benefits we receive under this reinsurance arrangement could be adversely affected. For additional information on our use of a captive reinsurance company, see "Description of Business -- Reinsurance and Hedging", "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations." SURPLUS AND CAPITAL; RISK BASED CAPITAL ("RBC"). Insurers are required to maintain their capital and surplus at or above minimum levels. Regulators have discretionary authority, in connection with the licensing of insurance companies, to limit or prohibit an insurer's sales to policyholders if, in their judgment, the regulators determine that such insurer has not maintained the minimum surplus or capital or that the further transaction of business will be hazardous to policyholders. We report our RBC based on a formula calculated by applying factors to various asset, premium and statutory reserve items, as well as taking into account the risk characteristics of the insurer. The major categories of risk involved are asset risk, insurance risk, interest rate risk, market risk and business risk. The formula is used as a regulatory tool to identify possible inadequately capitalized insurers for purposes of initiating regulatory action, and not as a means to rank insurers generally. State insurance laws provide insurance regulators the authority to require various actions by, or take various actions against, insurers whose RBC ratio does not meet or exceed certain RBC levels. As of the date of the most recent annual statutory financial statements filed with insurance APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 16 regulators, our RBC was in excess of each of those RBC levels. For additional information on RBC, see "Management's Discussion and Analysis of Financial Condition and Results of Operations -- Liquidity and Capital Resources." GUARANTY ASSOCIATIONS AND SIMILAR ARRANGEMENTS. Each of the states in which we are admitted to transact business require life insurers doing business within the jurisdiction to participate in guaranty associations, which are organized to pay certain contractual insurance benefits owed pursuant to insurance policies issued by impaired, insolvent or failed insurers. These associations levy assessments, up to prescribed limits, on all member insurers in a particular state on the basis of the proportionate share of the premiums written by member insurers in the lines of business in which the impaired, insolvent or failed insurer is engaged. Some states permit member insurers to recover assessments paid through full or partial premium tax offsets. During each of the past five years, the assessments levied against us have not been material. SECURITIES LAWS We and certain policies offered by us are subject to regulation under the Federal securities laws administered by the SEC and under certain state securities laws. The SEC conducts regular examinations of our operations, and from time to time makes requests for particular information from us. The SEC and other governmental regulatory authorities, including state securities administrators, may institute administrative or judicial proceedings that may result in censure, fines, issuance of cease-and-desist orders or other sanctions. Sales of variable insurance products are regulated by the SEC and FINRA. Certain of our Separate Accounts are registered as investment companies under the Investment Company Act of 1940, as amended. Separate Account interests under certain insurance policies issued by us are also registered under the Securities Act of 1933, as amended. We have provided, and in certain cases continue to provide, information and documents to, among others, the SEC, FINRA, state attorneys general, state insurance regulators and other regulators regarding our compliance with insurance, securities and other laws and regulations regarding the conduct of our business. For additional information, see Note 11 to Notes to Financial Statements. DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT Currently, the U.S. federal government does not directly regulate the business of insurance. While the Dodd-Frank Act does not remove primary responsibility for the supervision and regulation of insurance from the states, Title V of the Dodd-Frank Act establishes the FIO within the U.S. Treasury Department and reforms the regulation of the non-admitted property and casualty insurance market and the reinsurance market. The FIO has authority that extends to all lines of insurance except health insurance, crop insurance and (unless included with life or annuity components) long-term care insurance. Under the Dodd-Frank Act, the FIO is charged with monitoring all aspects of the insurance industry (including identifying gaps in regulation that could contribute to a systemic crisis), recommending to the newly established Financial Stability Oversight Council ("FSOC") the designation of any insurer and its affiliates (potentially including AXA and its affiliates) as a non-bank financial company subject to oversight by the Board of Governors of the Federal Reserve System (including the administration of stress testing on capital), assisting the Treasury Secretary in negotiating "covered agreements" with non-U.S. governments or regulatory authorities, and, with respect to state insurance laws and regulation, determining whether such state insurance measures are pre-empted by such covered agreements. In addition, the FIO will be empowered to request and collect data (including financial data) on and from the insurance industry and insurers (including reinsurers) and their affiliates. In such capacity, the FIO may require an insurer or an affiliate of an insurer to submit such data or information as the FIO may reasonably require. In addition, the FIO's approval will be required to subject an insurer or a company whose largest U.S. subsidiary is an insurer to the special orderly liquidation process outside the federal bankruptcy code, administered by the Federal Deposit Insurance Corporation pursuant to the Dodd-Frank Act. The Dodd-Frank Act also reforms the regulation of the non-admitted property/casualty insurance market (commonly referred to as excess and surplus lines) and the reinsurance markets, including the ability of non-domiciliary state insurance regulators to deny credit for reinsurance when recognized by the ceding insurer's domiciliary state regulator. Other aspects of our operations could also be affected by the Dodd-Frank Act. These include: HEIGHTENED STANDARDS AND SAFEGUARDS. The FSOC may recommend that state insurance regulators or other regulators apply new or heightened standards and safeguards for activities or practices we and other insurers or other financial services companies engage in if the FSOC determines that those activities or practices could create or increase the risk that significant liquidity, credit or other problems spread among financial companies. We cannot predict whether any such recommendations will be made or their effect on our business, results of operations or financial condition. OVER-THE-COUNTER DERIVATIVES REGULATION. The Dodd-Frank Act includes a new framework of regulation of the OTC derivatives markets which requires clearing of certain types of transactions currently traded OTC and imposes additional costs, including new reporting and margin APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 17 requirements and will likely impose additional regulation on the Company. Our costs of risk mitigation are increasing under the Dodd-Frank Act. For example, increased margin requirements including the requirement to pledge initial margin for OTC cleared transactions entered into after June 10, 2013 and for OTC uncleared transactions entered into after the phase-in period, which would be applicable to us in 2019 if the U.S. Commodity Futures Trading Commission and the SEC adopt the final margin requirements for non-centrally cleared derivatives published by the Bank of International Settlements and International Organization of Securities Commissions in September 2013, combined with restrictions on securities that will qualify as eligible collateral, will require increased holdings of cash and highly liquid securities with lower yields causing a reduction in income. Centralized clearing of certain OTC derivatives exposes us to the risk of a default by a clearing member or clearinghouse with respect to our cleared derivative transactions. We use derivatives to mitigate certain risks associated with our products. We have always been subject to the risk that our hedging and other management procedures might prove ineffective in reducing the risks to which insurance policies expose us or that unanticipated policyholder behavior or mortality, combined with adverse market events, could produce economic losses beyond the scope of the risk management techniques employed. Any such losses could be increased by higher costs of writing derivatives (including customized derivatives) and the reduced availability of customized derivatives that might result from the enactment and implementation of the Dodd-Frank Act. INTERNATIONAL REGULATION In addition, regulators and lawmakers in non-U.S. jurisdictions are engaged in addressing the causes of the financial crisis and means of avoiding such crises in the future. On July 18, 2013, the International Association of Insurance Supervisors ("IAIS") published an initial assessment methodology for designating GSIIs, as part of the global initiative launched by the G20 with the assistance of the FSB to identify global systemically important financial institutions ("G-SIFIs"). At the same date, the FSB also published its initial list of nine GSIIs, which includes our ultimate parent company, AXA. The framework policy measures for GSIIs, also published by the IAIS on July 18, 2013 for implementation by the GSIIs, include (1) new capital requirements, including (i) a "basic" capital requirement, formerly known as "Backstop Capital Requirement" ("BCR") applicable to all GSIIs activities (ii) an additional level of capital, called "Higher Loss Absorbency" ("HLA") capacities to be requested from GSIIs in relation to their systemic activities, (2) greater regulatory oversight over holding companies, (3) various measures to promote the structural and financial "self-sufficiency" of group companies and reduce group interdependencies, and (4) in general, a greater level of regulatory scrutiny for GSIIs (including a requirement to establish a Systemic Risk Management Plan ("SRMP") and a Recovery and Resolution Plan ("RRP")) which may entail significant new processes, reporting and compliance burdens (and costs) as well as potential reorganizations of certain businesses or activities. In its July 2013 report, the FSB noted that the group of G-SIIs would be updated annually based on new data and published by the FSB each November. In November 2014, the FSB, following consultation with the IAIS and national authorities, identified the same nine GSIIs that were identified in 2013, which includes AXA. These measures could have far reaching regulatory and competitive implications for the AXA Group, which in turn could materially affect our competitive position, consolidated results of operations, financial condition, liquidity and how we operate our business. For additional information, see "Risk Factors." FEDERAL TAX LEGISLATION There are a number of existing, expiring, newly enacted and previously or currently proposed Federal tax initiatives that may also significantly affect us including, among others, the following. Estate and Related Taxes. Under Federal tax legislation the exemption amounts for estate, gift and generation skipping transfer ("GST") taxes in the United States on estates, gifts or GST transfers exceeding $5 million per individual ($5.43 million for 2015, as indexed for inflation) will be subject to tax at a top rate of 40%. The permanence of the current estate tax with an inflation indexed exemption amount of $5 million, a top tax rate of 40% and "portability" which allows a surviving spouse to use a deceased spouse's unused exemption could be expected to have an adverse impact on life insurance sales as a significant portion of our life insurance sales are made in conjunction with estate planning. At the same time, the higher gift tax exemption may encourage certain gifting techniques involving life insurance in larger estates. The President's proposed 2016 budget (commonly referred to as the "Greenbook") contains a provision to restore and permanently extend the estate, gift and GST exemptions and tax rates as they applied in 2009. Were the proposal to be enacted into law, it would be expected to have a potentially positive impact on life insurance sales used in conjunction with estate planning. Income, Capital Gains and Dividend Tax Rates. Federal tax legislation made permanent reduced income tax rates for individuals except those with taxable income of over approximately $400,000 per year (approximately $450,000 for a married couple on a joint tax return) who will now be subject to a top income tax rate of 39.6% (an increase from 35%) and a top long-term capital gains and dividend tax rate of 20% (an increase from 15%). Such changes may increase the tax appeal of cash value life insurance and annuity products for individuals in the higher tax bracket. The tax advantages of cash value life insurance and annuity products should increase favorably in view of higher income and capital gains tax rates and the application of a newly enacted 3.8% net investment income tax on investment type income for higher earning taxpayers beginning in 2013. The Greenbook contains a proposal to increase the top capital gains rate from 20% to 24.2%. Were the proposal to be enacted into law, it would be expected to further increase the tax appeal of cash value life insurance and annuity products for individuals subject to the higher tax rate. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 18 DIVIDENDS RECEIVED DEDUCTION. The Greenbook included proposals, which if enacted, would affect the taxation of life insurance companies and certain life insurance products. In particular, the proposals would change the method used to determine the amount of dividend income received by a life insurance company on assets held in separate accounts established to support variable life insurance and variable annuity contracts that is eligible for the dividends received deduction ("DRD"). The proposal is similar to the proposal in the Tax Reform Act of 2014 (popularly known as the Camp Proposal) and proposals, included in prior year Greenbooks, which were not enacted. The DRD reduces the amount of dividend income subject to tax and is a significant component of the difference between our actual tax expense and expected amount determined using the federal statutory tax rate of 35%. A change in the DRD, including the possible retroactive or prospective elimination of this deduction through legislation, could increase our actual tax expense and reduce our consolidated net earnings. In addition, it is possible that the Treasury Department and the Internal Revenue Service may address through subsequent guidance the methodology to be followed in determining the DRD related to variable life insurance and annuity contracts. This may have a similar effect and increase our actual tax expense and reduce our consolidated net earnings. FEE ON FINANCIAL ENTITIES. The Greenbook also contained a proposal, which would apply a fee on financial entities with worldwide consolidated assets of more than $50 billion. The fee would apply to the covered liabilities (assets less equity based on audited financial statements with a deduction for separate accounts) of a financial entity. The rate of the fee applied to covered liabilities would be seven basis points, and the fee would be deductible in computing corporate income tax. Were the proposal to be enacted into law, it could reduce our consolidated net earnings. Other Proposals. The U.S. Congress may also consider proposals for, among other things, the comprehensive overhaul of the Federal tax law and/or tax incentives targeted particularly to lower and middle-income taxpayers. For example, as part of deficit reduction ideas being discussed, including, among others, the Camp Proposal, there may be renewed interest in tax reform options, which could present sweeping changes to many longstanding tax rules. One possible change includes the creation of new tax-favored savings accounts that would replace many existing qualified plan arrangements or new limits on the tax benefits available under existing qualified plan arrangements. Others would eliminate or limit certain tax benefits currently available to cash value life insurance. Enactment of these changes or similar alternatives would likely adversely affect new sales, and possibly funding and persistency of existing cash value life insurance products. Finally, legislative proposals may introduce significant increases on the taxation of financial institutions, including, taxes on certain financial institutions to compensate for the funds dispersed during the most recent financial crisis, taxes on financial transactions, taxes on executive compensation, including bonuses, and changes to current insurance reserving methodologies. The current, rapidly changing economic environment and projections relating to government budget deficits may increase the likelihood of substantial changes to Federal tax law. Management cannot predict what, if any, legislation will actually be proposed or enacted based on these proposals or what other proposals or legislation, if any, may be introduced or enacted relating to our business or what the effect of any such legislation might be. ERISA CONSIDERATIONS We provide certain products and services to employee benefit plans that are subject to ERISA and certain provisions of the Internal Revenue Code. As such, our activities are subject to the restrictions imposed by ERISA and the Internal Revenue Code, including the requirement that fiduciaries must perform their duties solely in the interests of plan participants and beneficiaries, and fiduciaries may not cause or permit a covered plan to engage in certain prohibited transactions with persons (parties-in-interest) who have certain relationships with respect to such plans. The applicable provisions of ERISA and the Internal Revenue Code are subject to enforcement by the DOL, the IRS and the Pension Benefit Guaranty Corporation. PRIVACY OF CUSTOMER INFORMATION We are subject to federal and state laws and regulations which require financial institutions to protect the security and confidentiality of customer information, and to notify customers about their policies and practices relating to their collection and disclosure of customer information and their practices relating to protecting the security and confidentiality of that information. We have adopted a privacy policy outlining procedures and practices to be followed by members of the AXA Financial Group relating to the collection, disclosure and protection of customer information. A copy of the privacy policy is mailed to customers on an annual basis. Federal and state laws generally require that we provide notice to affected individuals, law enforcement, regulators and potentially others if there is a breach in which customer information is intentionally or accidentally disclosed to unauthorized third parties. Federal regulations require financial institutions to implement programs to detect, prevent, and mitigate identity theft. Federal and state laws and regulations regulate the ability of financial institutions to make telemarketing calls and to send unsolicited e-mail or fax messages to both consumers and customers, and also regulate the permissible uses of certain categories of customer information. Violation of these laws and regulations may result in significant fines and remediation costs. It may be expected that legislation considered by either the U.S. Congress and/or state legislatures could create additional and/or more detailed obligations relating to the use and protection of customer information. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 19 INTELLECTUAL PROPERTY We rely on a combination of copyright, trademark, patent and trade secret laws to establish and protect our intellectual property rights. AXA Financial has entered into a licensing arrangement with AXA concerning the use by AXA Financial Group of the "AXA" name. In 2014, AXA Financial Group companies enhanced their brand identity in the marketplace by using AXA as the single brand for AXA Financial's advice, retirement and life insurance lines of business. As a result of this branding initiative, we have simplified our brand in the U.S. marketplace to "AXA." We regard our intellectual property as valuable assets and protect them against infringement. ENVIRONMENTAL CONSIDERATIONS Federal, state and local environmental laws and regulations apply to our ownership and operation of real property. Inherent in owning and operating real property are the risk of environmental liabilities and the costs of any required clean-up. Under the laws of certain states, contamination of a property may give rise to a lien on the property to secure recovery of the costs of clean-up, which could adversely affect our mortgage lending business. In some states, this lien may have priority over the lien of an existing mortgage against such property. In addition, in some states and under the federal Comprehensive Environmental Response, Compensation, and Liability Act of 1980, or CERCLA, we may be liable, in certain circumstances, as an "owner" or "operator," for costs of cleaning-up releases or threatened releases of hazardous substances at a property mortgaged to us. We also risk environmental liability when we foreclose on a property mortgaged to us. However, Federal legislation provides for a safe harbor from CERCLA liability for secured lenders, provided that certain requirements are met. Application of various other federal and state environmental laws could also result in the imposition of liability on us for costs associated with environmental hazards. We routinely conduct environmental assessments prior to making a mortgage loan or taking title to real estate, whether through acquisition for investment, or through foreclosure on real estate collateralizing mortgages. Although unexpected environmental liabilities can always arise, we seek to minimize this risk by undertaking these environmental assessments consistent with regulatory guidance and complying with our internal procedures. As a result, we believe that any costs associated with compliance with environmental laws and regulations or any clean-up of properties would not have a material adverse effect on our results of operations. EMPLOYEES We have no employees. We have service agreements with affiliates pursuant to which we are provided services necessary to operate our business. For additional information, see Note 7 of Notes to Financial Statements. PARENT COMPANY AXA, our ultimate parent company, is the holding company for an international group of insurance and related financial services companies engaged in the financial protection and wealth management business. AXA is one of the world's largest insurance groups, operating primarily in Europe, North America, the Asia/Pacific region and, to a lesser extent, in other regions including the Middle East, Africa and Latin America. AXA has five operating business segments: life and savings, property and casualty, international insurance, asset management and banking. Neither AXA nor any affiliate of AXA has any obligation to provide us with additional capital or credit support. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 20 DESCRIPTION OF PROPERTY MLOA does not lease or own space for its operations. Facilities are provided to MLOA for the conduct of its business pursuant to service agreements with affiliated companies. For additional information, see Note 7 of Notes to Financial Statements included elsewhere herein. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 21 LEGAL PROCEEDINGS The matters set forth in Note 11 of Notes to Financial Statements for the year ended December 31, 2014 are incorporated herein by reference. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 22 FINANCIAL STATEMENTS INDEX TO FINANCIAL STATEMENTS MONY LIFE INSURANCE COMPANY OF AMERICA Report of Independent Registered Public Accounting Firm.................... 24 Financial Statements: Balance Sheets, December 31, 2014 and December 31, 2013.................. 25 Statements of Earnings (Loss), Years Ended December 31, 2014, 2013 and 2012.................................................................... 26 Statements of Comprehensive Income (Loss), Years Ended December 31, 2014, 2013 and 2012..................................................... 27 Statements of Shareholder's Equity, Years Ended December 31, 2014, 2013 and 2012................................................................ 28 Statements of Cash Flows, Years Ended December 31, 2014, 2013 and 2012... 29 Notes to Financial Statements............................................ 30
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Board of Directors and Shareholder of MONY Life Insurance Company of America: In our opinion, the accompanying balance sheets and the related statements of earnings (loss), of comprehensive income (loss), of shareholder's equity, and of cash flows present fairly, in all material respects, the financial position of MONY Life Insurance Company of America (the "Company") at December 31, 2014 and December 31, 2013, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2014 in conformity with accounting principles generally accepted in the United States of America. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits of these statements in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. /s/ PricewaterhouseCoopers LLP New York, New York March 23, 2015 APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 24 MONY LIFE INSURANCE COMPANY OF AMERICA BALANCE SHEETS DECEMBER 31, 2014 AND 2013
2014 2013 -------- -------- (IN MILLIONS) ASSETS: Investments: Fixed maturities available for sale, at fair value......... $ 878 $ 713 Mortgage loans on real estate.............................. -- 28 Policy loans............................................... 151 142 Other invested assets...................................... 90 84 -------- -------- Total investments......................................... 1,119 967 Cash and cash equivalents.................................... 47 139 Amounts due from reinsurers.................................. 1,336 1,304 Deferred policy acquisition costs............................ 292 218 Value of business acquired................................... 7 18 Deferred cost of reinsurance................................. 71 91 Other assets................................................. 18 22 Separate Accounts' assets.................................... 1,810 1,839 -------- -------- TOTAL ASSETS................................................. $ 4,700 $ 4,598 ======== ======== LIABILITIES Policyholders' account balances.............................. $ 1,919 $ 1,777 Future policy benefits and other policyholders liabilities... 389 323 Current and deferred income taxes............................ 19 83 Other liabilities............................................ 63 82 Separate Accounts' liabilities............................... 1,810 1,839 -------- -------- Total liabilities......................................... 4,200 4,104 -------- -------- Commitments and contingent liabilities (Notes 2, 5, 7, 8, and 11) SHAREHOLDER'S EQUITY Common Stock, $1.00 par value; 5.0 million shares authorized, 2.5 million issued and outstanding............. 2 2 Capital in excess of par value............................... 317 315 Retained earnings............................................ 164 169 Accumulated other comprehensive income (loss)................ 17 8 -------- -------- Total shareholder's equity................................ 500 494 -------- -------- TOTAL LIABILITIES AND SHAREHOLDER'S EQUITY................... $ 4,700 $ 4,598 ======== ========
See Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 25 MONY LIFE INSURANCE COMPANY OF AMERICA STATEMENTS OF EARNINGS (LOSS) YEARS ENDED DECEMBER 31, 2014, 2013 AND 2012
2014 2013 2012 ------ ------ ------ (IN MILLIONS) REVENUES Universal life and investment-type product policy fee income.............................................. $ 91 $ 131 $ 117 Premiums.............................................. 1 25 32 Net investment income (loss): Investment income (loss) from derivatives........... 13 8 -- Other investment income (loss)...................... 37 84 110 ------ ------ ------ Net investment income (loss)....................... 50 92 110 Investment gains (losses), net: Total other-than-temporary impairment losses........ (10) (6) (7) Portion of loss recognized in other comprehensive income (loss)...................................... -- -- -- ------ ------ ------ Net impairment losses recognized................... (10) (6) (7) Other investment gains (losses), net................ 4 74 2 ------ ------ ------ Total investment gains (losses), net............. (6) 68 (5) ------ ------ ------ Equity in earnings (loss) of AllianceBernstein........ 1 5 2 Other income (loss)................................... 8 5 5 Increase (decrease) in the fair value of the reinsurance contract asset.......................... -- (7) (2) ------ ------ ------ Total revenues................................... 145 319 259 ------ ------ ------ BENEFITS AND OTHER DEDUCTIONS Policyholders' benefits............................... 31 78 103 Interest credited to policyholders' account balances.. 39 65 61 Compensation and benefits............................. 29 32 25 Commissions........................................... 73 80 38 Amortization of deferred policy acquisition costs and value of business acquired.......................... 14 21 (27) Capitalization of deferred policy acquisition costs... (78) (81) (31) Amortization of deferred cost of reinsurance.......... 8 4 -- Rent expense.......................................... 2 2 2 Other operating costs and expenses.................... 37 74 44 ------ ------ ------ Total benefits and other deductions.............. 155 275 215 ------ ------ ------ Earnings (loss), before income taxes.................. (10) 44 44 Income tax (expense) benefit.......................... 5 (16) (6) ------ ------ ------ Net Earnings (Loss)................................... $ (5) $ 28 $ 38 ====== ====== ======
See Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 26 MONY LIFE INSURANCE COMPANY OF AMERICA STATEMENTS OF COMPREHENSIVE INCOME (LOSS) YEARS ENDED DECEMBER 31, 2014, 2013 AND 2012
2014 2013 2012 ----- ----- ----- (IN MILLIONS) COMPREHENSIVE INCOME (LOSS) Net earnings (loss)...................................... $ (5) $ 28 $ 38 ----- ----- ----- Other comprehensive income (loss), net of income taxes: Change in unrealized gains (losses), net of reclassification adjustment......................... 9 (74) 27 ----- ----- ----- Total other comprehensive income (loss), net of income taxes...................................... 9 (74) 27 ----- ----- ----- Comprehensive Income (Loss)................................ $ 4 $ (46) $ 65 ===== ===== =====
See Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 27 MONY LIFE INSURANCE COMPANY OF AMERICA STATEMENTS OF SHAREHOLDER'S EQUITY YEARS ENDED DECEMBER 31, 2014, 2013 AND 2012
2014 2013 2012 ------ ------ ------ (IN MILLIONS) SHAREHOLDER'S EQUITY Common stock, at par value, beginning and end of year................................................. $ 2 $ 2 $ 2 ------ ------ ------ Capital in excess of par value, beginning of year..... 315 516 515 Return of capital..................................... -- (200) -- Changes in capital in excess of par value............. 2 (1) 1 ------ ------ ------ Capital in excess of par value, end of year........... 317 315 516 ------ ------ ------ Retained earnings, beginning of year.................. 169 141 103 Net earnings (loss)................................... (5) 28 38 ------ ------ ------ Retained earnings, end of year........................ 164 169 141 ------ ------ ------ Accumulated other comprehensive income (loss), beginning of year.................................... 8 82 55 Other comprehensive income (loss)..................... 9 (74) 27 ------ ------ ------ Accumulated other comprehensive income (loss), end of year................................................. 17 8 82 ------ ------ ------ TOTAL SHAREHOLDER'S EQUITY, END OF YEAR............... $ 500 $ 494 $ 741 ====== ====== ======
See Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 28 MONY LIFE INSURANCE COMPANY OF AMERICA STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 2014, 2013 AND 2012
2014 2013 2012 ------ ------ ------ (IN MILLIONS) Net earnings (loss).................................... $ (5) $ 28 $ 38 Adjustments to reconcile net earnings (loss) to net cash provided by (used in) operating activities: Interest credited to policyholders' account balances. 39 65 61 Universal life and investment-type product policy fee income.......................................... (91) (131) (117) (Income) loss from derivative instruments............ (13) (8) -- Change in accrued investment income.................. (1) 3 2 Investment (gains) losses, net....................... 6 (68) 5 Change in deferred policy acquisition costs and value of business acquired.......................... (64) (60) (58) Change in the fair value of the reinsurance contract asset...................................... -- 7 2 Change in future policy benefits..................... 26 (18) (5) Change in other policyholders liabilities............ 2 (2) 5 Change in current and deferred income taxes.......... (67) (20) (1) Provision for depreciation and amortization.......... 3 7 5 Equity in earnings and dividends from AllianceBernstein................................... 4 (1) 1 Amortization of deferred reinsurance costs........... 8 4 -- Cash transferred as result of reinsurance agreement with Protective Life................................ -- (74) -- Other, net........................................... (24) 41 13 ------ ------ ------ Net cash provided by (used in) operating activities.... (177) (227) (49) ------ ------ ------ Cash flows from investing activities: Maturities and repayments of fixed maturities and mortgage loans...................................... 159 290 139 Sales of investments................................. 38 111 60 Purchases of investments............................. (314) (251) (134) Cash settlement related to derivative instruments.... 1 (4) -- Other, net........................................... (46) 19 (8) ------ ------ ------ Net cash provided by (used in) investing activities.... (162) 165 57 ------ ------ ------ Cash flows from financing activities: Policyholders' account balances: Deposits............................................ 281 279 148 Withdrawals and transfers to Separate Accounts...... (41) (41) (66) Change in collateralized pledged liabilities......... 7 12 -- Return of capital.................................... -- (200) -- ------ ------ ------ Net cash provided by (used in) financing activities.... 247 50 82 ------ ------ ------ Change in cash and cash equivalents.................... (92) (12) 90 Cash and cash equivalents, beginning of year........... 139 151 61 ------ ------ ------ Cash and Cash Equivalents, End of Year................. $ 47 $ 139 $ 151 ====== ====== ====== Schedule of non-cash financing activities: Shared-based Programs................................ $ 2 $ -- $ 1 ====== ====== ======
See Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 29 MONY LIFE INSURANCE COMPANY OF AMERICA NOTES TO FINANCIAL STATEMENTS 1) ORGANIZATION MONY Life Insurance Company of America ("MLOA") is an Arizona stock life insurance company. MLOA's primary business is providing life insurance products to both individuals and businesses. Effective October 1, 2013, MLOA is a wholly-owned subsidiary of AXA Equitable Financial Services, LLC ("AEFS"). AEFS is a direct wholly owned subsidiary of AXA Financial, Inc. ("AXA Financial" and together with its consolidated subsidiaries "AXA Financial Group"). AXA Financial is an indirect wholly owned subsidiary of AXA, a French holding company for an international group of insurance and related financial services companies. On October 1, 2013, AXA Financial and AEFS completed the sale of the stock of MONY Life Insurance Company ("MONY Life") and the reinsurance of an in-force book of life insurance and annuity policies written primarily prior to 2004 by MLOA to Protective Life Insurance Company ("Protective Life"). Prior to the close, MONY Life's subsidiaries, including MLOA, were distributed to AEFS. MLOA transferred and ceded assets to Protective Life equal to $1,308 million, net of ceding commission of $370 million for consideration of the transfer of liabilities amounting to $1,374 million in connection with the reinsurance agreement. As a result of the reinsurance agreement MLOA recorded a deferred cost of reinsurance asset amounting to $95 million which is amortized over the life of the underlying reinsured policies. Refer to the table below for a detailed description of assets and liabilities transferred, ceded and written off as a result of the reinsurance agreement with Protective Life on October 1, 2013. In 2014, MLOA recorded an out of period adjustment which reduced the deferred cost of reinsurance asset by $12 million. For additional information on this adjustment, see Note 2. Amortization of the deferred cost of reinsurance asset in 2014 and 2013 was $8 million and $4 million, respectively. Calculation of deferred cost of reinsurance October 1, 2013 (In Millions) TRANSFERRED OR CEDED ASSETS (NET OF CEDING COMMISSION): Fixed Maturities................................................... $ 1,102 Cash............................................................... 74 Policy loans....................................................... 132 -------- TOTAL ASSETS TRANSFERRED OR CEDED (NET OF CEDING COMMISSION)...... $ 1,308 -------- TRANSFERRED LIABILITIES: Future policyholder benefits and other policyholders liabilities... $ 1,334 Amounts due to reinsurer........................................... 40 -------- TOTAL LIABILITIES TRANSFERRED..................................... $ 1,374 -------- ACCELERATED AMORTIZATION OF ASSETS AND LIABILITIES AS PART OF THE REINSURANCE Value of business acquired......................................... $ 117 Deferred policy acquisition costs.................................. 71 Initial Fee Liability.............................................. (27) -------- NET ACCELERATED AMORTIZATION OF ASSETS AND LIABILITIES............ $ 161 -------- DEFERRED COST OF REINSURANCE......................................... $ 95 ========
2) SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America ("U.S. GAAP") requires management to make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from these estimates. The accompanying financial statements reflect all adjustments necessary in the opinion of management for a fair presentation of the financial position of MLOA and its results of operations and cash flows for the periods presented. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 30 The years "2014", "2013" and "2012" refer to the years ended December 31, 2014, 2013 and 2012, respectively. Certain reclassifications have been made in the amounts presented for prior periods to conform those periods to the current presentation. Adoption of New Accounting Pronouncements In July 2013, the FASB issued new guidance on the presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. This guidance was effective for interim and annual periods beginning after December 15, 2013. Implementation of this guidance did not have a material impact on MLOA's financial statements. In February 2013, the Financial Accounting Standards Board ("FASB") issued new guidance to improve the reporting of reclassifications out of accumulated other comprehensive income (loss) ("AOCI"). The guidance requires disclosure of reclassification information either in the notes or the face of the financial statements provided the information is presented in one location. This guidance was effective for interim and annual periods beginning after December 31, 2012. Implementation of this guidance did not have a material impact on MLOA's financial statements. These new disclosures have been included in the Notes to MLOA's financial statements, as appropriate. Future Adoption of New Accounting Pronouncements In February 2015, the FASB issued a new consolidation standard that makes targeted amendments to the VIE assessment, including guidance specific to limited partnerships and similar entities, and ends the deferral granted to investment companies for applying the VIE guidance. The new standard is effective for annual periods, beginning after December 15, 2015, but may be early-adopted in any interim period. Management currently is evaluating the impacts this guidance may have on the MLOA's financial statements. In August 2014, the FASB issued new guidance which requires management to evaluate whether there is "substantial doubt" about the reporting entity's ability to continue as a going concern and provide related footnote disclosures about those uncertainties, if they exist. The new guidance is effective for annual periods, ending after December 15, 2016 and interim periods thereafter. Management does not expect implementation of this guidance will have a material impact on MLOA's financial statements. Investments The carrying values of fixed maturities classified as available-for-sale ("AFS") are reported at fair value. Changes in fair value are reported in comprehensive income. The amortized cost of fixed maturities is adjusted for impairments in value deemed to be other than temporary which are recognized in Investment gains (losses), net. The redeemable preferred stock investments that are reported in fixed maturities include real estate investment trusts ("REIT"), perpetual preferred stock and redeemable preferred stock. These securities may not have a stated maturity, may not be cumulative and do not provide for mandatory redemption by the issuer. MLOA determines the fair values of fixed maturities and equity securities based upon quoted prices in active markets, when available, or through the use of alternative approaches when market quotes are not readily accessible or available. These alternative approaches include matrix or model pricing and use of independent pricing services, each supported by reference to principal market trades or other observable market assumptions for similar securities. More specifically, the matrix pricing approach to fair value is a discounted cash flow methodology that incorporates market interest rates commensurate with the credit quality and duration of the investment. MLOA's management, with the assistance of its investment advisors, monitors the investment performance of its portfolio and reviews AFS securities with unrealized losses for other-than-temporary impairments ("OTTI"). Integral to this review is an assessment made each quarter, on a security-by-security basis, by the Investments Under Surveillance ("IUS") Committee, of various indicators of credit deterioration to determine whether the investment security is expected to recover. This assessment includes, but is not limited to, consideration of the duration and severity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued viability of the issuer and, for equity securities only, the intent and ability to hold the investment until recovery, and results in identification of specific securities for which OTTI is recognized. If there is no intent to sell or likely requirement to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings (loss) and the remainder of the fair value loss is recognized in OCI. The amount of credit loss is the shortfall of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management's best estimate of projected future cash flows at the effective interest rate implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of management judgment and APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 31 consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments and underlying collateral value. Real estate held for the production of income, including real estate acquired in satisfaction of debt, is stated at depreciated cost less valuation allowances. At the date of foreclosure (including in-substance foreclosure), real estate acquired in satisfaction of debt is valued at estimated fair value. Impaired real estate is written down to fair value with the impairment loss being included in Investment gains (losses), net. Depreciation of real estate held for production of income is computed using the straight-line method over the estimated useful lives of the properties, which generally range from 40 to 50 years. Policy loans are stated at unpaid principal balances. Equity securities, which include common stock and non-redeemable preferred stock classified as AFS securities, are carried at fair value and are included in Other invested assets with changes in fair value reported in OCI. Units in AllianceBernstein L.P. ("AllianceBernstein"), a subsidiary of AXA Financial, are carried on the equity method and reported in Other invested assets. Short-term investments are reported at amortized cost that approximates fair value and are included in Other invested assets. Cash and cash equivalents includes cash on hand, amounts due from banks and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the recorded value is deemed to approximate fair value. All securities owned, including United States government and agency securities and mortgage-backed securities, are reported in the financial statements on a trade date basis. Derivatives Derivatives are financial instruments whose values are derived from interest rates, foreign exchange rates, financial indices, values of securities or commodities, credit spreads, market volatility, expected returns, and liquidity. Values can also be affected by changes in estimates and assumptions, including those related to counterparty behavior and non-performance risk used in valuation models. Derivative financial instruments generally used by MLOA include equity options and may be exchange-traded or contracted in the over-the-counter market. All derivative positions are carried in the balance sheets at fair value, generally by obtaining quoted market prices or through the use of valuation models. Freestanding derivative contracts are reported in the balance sheets either as assets within "Other invested assets" or as liabilities within "Other liabilities." MLOA nets the fair value of all derivative financial instruments with counterparties for which a standardized "ISDA Master Agreement" and related Credit Support Annex ("CSA") have been executed. MLOA uses derivatives to manage asset/liability risk but has not designated those economic relationships under the criteria to qualify for hedge accounting treatment. All changes in the fair value of MLOA freestanding derivative positions, including net receipts and payments, are included in "Investment income (loss) from derivative instruments" without considering changes in the fair value of the economically associated assets or liabilities. MLOA is a party to financial instruments and other contracts that contain "embedded" derivative instruments. At inception, MLOA assesses whether the economic characteristics of the embedded instrument are "clearly and closely related" to the economic characteristics of the remaining component of the "host contract" and whether a separate instrument with the same terms as the embedded instrument would meet the definition of a derivative instrument. When those criteria are satisfied, the resulting embedded derivative is bifurcated from the host contract, carried in the balance sheets at fair value, and changes in its fair value are recognized immediately and captioned in the statements of earnings (loss) according to the nature of the related host contract. For certain financial instruments that contain an embedded derivative that otherwise would need to be bifurcated and reported at fair value, the Company instead may elect to carry the entire instrument at fair value. Mortgage Loans on Real Estate ("mortgage loans"): Mortgage loans are stated at unpaid principal balances, net of unamortized discounts and valuation allowances. Valuation allowances are based on the present value of expected future cash flows discounted at the loan's original effective interest rate or on its collateral value if the loan is collateral dependent. However, if foreclosure is or becomes probable, the collateral value measurement method is used. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 32 For commercial and agricultural mortgage loans, an allowance for credit loss is typically recommended when management believes it is probable that principal and interest will not be collected according to the contractual terms. Factors that influence management's judgment in determining allowance for credit losses include the following: . Loan-to-value ratio -- Derived from current loan balance divided by the fair market value of the property. An allowance for credit loss is typically recommended when the loan-to-value ratio is in excess of 100%. In the case where the loan-to-value is in excess of 100%, the allowance for credit loss is derived by taking the difference between the fair market value (less cost of sale) and the current loan balance. . Debt service coverage ratio -- Derived from actual net operating income divided by annual debt service. If the ratio is below 1.0x, then the income from the property does not support the debt. . Occupancy -- Criteria varies by property type but low or below market occupancy is an indicator of sub-par property performance. . Lease expirations -- The percentage of leases expiring in the upcoming 12 to 36 months are monitored as a decline in rent and/or occupancy may negatively impact the debt service coverage ratio. In the case of single-tenant properties or properties with large tenant exposure, the lease expiration is a material risk factor. . Maturity -- Mortgage loans that are not fully amortizing and have upcoming maturities within the next 12 to 24 months are monitored in conjunction with the capital markets to determine the borrower's ability to refinance the debt and/or pay off the balloon balance. . Borrower/tenant related issues -- Financial concerns, potential bankruptcy, or words or actions that indicate imminent default or abandonment of property. . Payment status -- current vs. delinquent -- A history of delinquent payments may be a cause for concern. . Property condition -- Significant deferred maintenance observed during lenders annual site inspections. . Other -- Any other factors such as current economic conditions may call into question the performance of the loan. Mortgage loans also are individually evaluated quarterly by the IUS Committee for impairment, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mortgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages are also identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to comply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property. For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending process. The allowance includes loan specific reserves for mortgage loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contractual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on MLOA's assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are recorded based on the present value of expected future cash flows discounted at the loan's effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decrease from period to period based on such factors. Impaired mortgage loans without provision for losses are mortgage loans where the fair value of the collateral or the net present value of the expected future cash flows related to the loan equals or exceeds the recorded investment. Interest income earned on mortgage loans where the collateral value is used to measure impairment is recorded on a cash basis. Interest income on mortgage loans where the present value method is used to measure impairment is accrued on the net carrying value amount of the loan at the interest rate used to discount the cash flows. Changes in the present value attributable to changes in the amount or timing of expected cash flows are reported as investment gains or losses. Mortgage loans are placed on nonaccrual status once management believes the collection of accrued interest is doubtful. Once mortgage loans are classified as nonaccrual mortgage loans, interest income is recognized under the cash basis of accounting and the resumption of the interest accrual would commence only after all past due interest has been collected or the mortgage loan on real estate has been restructured to where the collection of interest is considered likely. At December 31, 2014 and 2013, the carrying values of commercial mortgage loans that had been classified as nonaccrual mortgage loans were $0 million and $6 million, respectively. Troubled Debt Restructuring When a loan modification is determined to be a troubled debt restructuring, the impairment of the loan is re-measured by discounting the expected cash flows to be received based on the modified terms using the loan's original effective yield, and the allowance for loss is APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 33 adjusted accordingly. Subsequent to the modification, income is recognized prospectively based on the modified terms of the mortgage loans. Additionally, the loan continues to be subject to the credit review process noted above. Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses) Realized investment gains (losses) are determined by identification with the specific asset and are presented as a component of revenue. Changes in the valuation allowances are included in Investment gains (losses), net. Unrealized investment gains (losses) on fixed maturities and equity securities designated as AFS held by MLOA are accounted for as a separate component of AOCI, net of related deferred income taxes and amounts attributable to DAC and value of business acquired ("VOBA") related to variable life and investment-type products. Changes in unrealized gains (losses) reflect changes in fair value of only those fixed maturities classified as AFS and do not reflect any changes in fair value of policyholders' account balances and future policy benefits. Fair Value of Financial Instruments Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance established a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value: Level 1 Unadjusted quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis. Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data. Level 3 Unobservable inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity's own assumptions about the cash flows or other significant components of value that market participants would use in pricing the asset or liability. MLOA defines fair value as the unadjusted quoted market prices for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using present value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected future cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time MLOA's entire holdings of a particular financial instrument, nor do they consider the tax impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument. Management is responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, MLOA often utilizes independent valuation service providers to gather, analyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuation model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-observable information, as applicable. Specific attributes of the security being valued also are considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific information. When insufficient market observable information is available upon which to measure fair value, MLOA either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ widely accepted internal valuation models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 34 Recognition of Insurance Income and Related Expenses Deposits related to variable life and investment-type contracts are reported as increase to policyholders' account balances. Revenues from these contracts consist of fees assessed during the period against policyholders' account balances for mortality charges, policy administration charges and surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policyholders' account balances. Premiums from non-participating traditional life and annuity policies with life contingencies generally are recognized in income when due. Benefits and expenses are matched with such income so as to result in the recognition of profits over the life of the contracts. This match is accomplished by means of the provision for liabilities for future policy benefits and the deferral and subsequent amortization of policy acquisition costs. For contracts with a single premium or a limited number of premium payments due over a significantly shorter period than the total period over which benefits are provided, premiums are recorded as revenue when due with any excess profit deferred and recognized in income in a constant relationship to insurance in-force or, for annuities, the amount of expected future benefit payments. DAC and VOBA DAC. Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting incremental direct costs of contract acquisition with independent third parties or employees that are essential to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully negotiated contracts including commissions, underwriting, agency and policy issue expenses, are deferred. DAC is subject to recoverability testing at the time of policy issue and loss recognition testing at the end of each accounting period. After the initial establishment of reserves, premium deficiency and loss recognition tests are performed each period end using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC would first be written off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings. VOBA. VOBA, which arose from MLOA's 2004 acquisition by AXA Financial, was established in accordance with purchase accounting guidance for business combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. VOBA is amortized over the expected life of the contracts (up to 50 years from the date of issue) according to the type of contract using the methods described below as applicable. VOBA is subject to loss recognition testing at the end of each accounting period. AMORTIZATION POLICY. For universal life ("UL") and investment-type products, DAC and VOBA are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based on historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated assessments. The effect on the amortization of DAC and VOBA of revisions to estimated gross profits or assessments is reflected in earnings in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or assessments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losses) is recognized with an offset to AOCI in shareholders' equity as of the balance sheet date. A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account balances, increase the fees earned resulting in higher expected future gross profits and lower DAC and VOBA amortization for the period. The opposite occurs when returns are lower than expected. In applying this approach to develop estimates of future returns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 35 estimate is measured from December 31, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At December 31, 2014, the average gross short-term and long-term annual return estimate on variable and interest-sensitive life insurance was 9.0% (7.00% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were 15.0% (13.00% net of product weighted average Separate Account fees) and 0.0% (-2.00% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in future periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions. If actual market returns continue at levels that would result in assuming future market returns of 15.0% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in assumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At December 31, 2014, current projections of future average gross market returns assume a 0.0% annualized return for the next eight quarters, which is the minimum limitation, grading to a reversion to the mean of 9.0% in ten quarters. In addition, projections of future mortality assumptions related to variable and interest-sensitive life products are based on a long-term average of actual experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, deterioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years. Other significant assumptions underlying gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread. Deferred Cost of or Gain on Reinsurance The cost of or gain on reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying reinsured policies in accordance with the reinsurance agreement, net of the ceded commission received is deferred and amortized over the lives of the underlying policies. Policyholders' Account Balances and Future Policy Benefits Policyholders' account balances for variable life and investment-type contracts are equal to the policy account values. The policy account values represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals. MLOA had issued certain variable annuity products with a guaranteed minimum death benefit ("GMDB") feature. MLOA also had issued certain variable annuity products that contain a GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuity based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates. This minimum lifetime annuity is based on predetermined annuity purchase rates applied to a GMIB base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts using assumptions consistent with those used in estimating gross profits for purposes of amortizing DAC and VOBA. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expected average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. There can be no assurance that actual experience will be consistent with management's estimates. MLOA's variable annuity contracts with GMDB and GMIB features in-force that guarantee one of the following: . Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals); . Ratchet: the benefit is the greatest of current account value, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals); . Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals) accumulated at contractually specified interest rates up to specified ages; or . Combo: the benefit is the greater of the ratchet benefit or the roll-up benefit which may include a five-year or an annual reset. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 36 In connection with the reinsurance agreement with Protective Life, MLOA has reinsured 100% of the risk associated with variable annuity products with GMDB and GMIB features. For reinsurance contracts other than those covering GMIB exposure, reinsurance recoverable balances were calculated using methodologies and assumptions that are consistent with those used to calculate the direct liabilities. For non-participating traditional life insurance policies, future policy benefit liabilities are estimated using a net level premium method on the basis of actuarial assumptions as to mortality, persistency and interest established at policy issue. Assumptions established at policy issue as to mortality and persistency are based on MLOA's experience that, together with interest and expense assumptions, includes a margin for adverse deviation. Benefit liabilities for traditional annuities during the accumulation period are equal to accumulated contractholders' fund balances and, after annuitization, are equal to the present value of expected future payments. When the liabilities for future policy benefits plus the present value of expected future gross premiums for a product are insufficient to provide for expected future policy benefits and expenses for that product, DAC and VOBA are written off and thereafter, if required, a premium deficiency reserve is established by a charge to earnings. Separate Accounts Generally, Separate Accounts established under Arizona State Insurance Law are not chargeable with liabilities that arise from any other business of MLOA. Separate Accounts assets are subject to General Account claims only to the extent Separate Accounts assets exceed Separate Accounts liabilities. Assets and liabilities of the Separate Accounts represent the net deposits and accumulated net investment earnings (loss) less fees, held primarily for the benefit of contractholders, and for which MLOA does not bear the investment risk. Separate Accounts' assets and liabilities are shown on separate lines in the balance sheets. Assets held in Separate Accounts are reported at quoted market values or, where quoted values are not readily available or accessible for these securities, their fair value measures most often are determined through the use of model pricing that effectively discounts prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security's duration, also taking into consideration issuer-specific credit quality and liquidity. The assets and liabilities of two Separate Accounts are presented and accounted for as General Account assets and liabilities due to the fact that not all of the investment performance in those Separate Accounts is passed through to policyholders. Investment assets in these Separate Accounts principally consist of fixed maturities that are classified as AFS in the accompanying consolidated financial statements. The investment results of Separate Accounts, including unrealized gains (losses), on which MLOA does not bear the investment risk are reflected directly in Separate Accounts liabilities and are not reported in revenues in the statements of earnings (loss). For 2014, 2013 and 2012, investment results of such Separate Accounts were gains (losses) of $24 million, $256 million and $196 million, respectively. Deposits to Separate Accounts are reported as increases in Separate Accounts liabilities and are not reported in revenues. Mortality, policy administration and surrender charges on all policies including those funded by Separate Accounts are included in revenues. MLOA reports the General Account's interests in Separate Accounts as other invested assets in the balance sheets. Other Accounting Policies AXA Financial and certain of its consolidated subsidiaries and affiliates, including MLOA, file a consolidated Federal income tax return. MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabilities. Current Federal income taxes are charged or credited to operations based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year. Deferred income tax assets and liabilities are recognized based on the difference between financial statement carrying amounts and income tax bases of assets and liabilities using enacted income tax rates and laws. Valuation allowances are established when management determines, based on available information, that it is more likely than not that deferred tax assets will not be realized. Under accounting for uncertainty in income taxes guidance, MLOA determines whether it is more likely than not that a tax position will be sustained upon examination by the appropriate taxing authorities before any part of the benefit can be recorded in the financial statements. Tax positions are then measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 37 Out of Period Adjustments In 2014, MLOA recorded an out-of-period adjustment in its financial statements related to an overstatement of shadow VOBA in shareholder's equity, which subsequently resulted in an overstatement of the deferred cost of reinsurance asset. In addition in 2014, MLOA recorded an out-of- period adjustment related to the application of the equity method of accounting for its investment in AllianceBernstein. The impact of these out-of-period adjustments resulted in a $2 million decrease in Net earnings ($3 million before taxes) and an $8 million decrease to other comprehensive income in 2014. In 2013, MLOA recorded an out-of-period adjustment in its financial statements related to an understatement of the current and deferred tax liability. The net impact of this out-of-period adjustment increased Current and deferred income taxes and Income tax expense by $2 million in 2013. Management has evaluated the impact of all out of period corrections both individually and in the aggregate and concluded they are not material to any previously reported annual financial statements. 3) INVESTMENTS FIXED MATURITIES AND EQUITY SECURITIES The following table provides information relating to fixed maturities classified as AFS; no equity securities were classified as AFS. AVAILABLE-FOR-SALE SECURITIES BY CLASSIFICATION
GROSS GROSS AMORTIZED UNREALIZED UNREALIZED OTTI COST GAINS LOSSES FAIR VALUE IN AOCI/(1)/ --------- ---------- ---------- ---------- ----------- (IN MILLIONS) DECEMBER 31, 2014: ------------------ Fixed Maturity Securities: Corporate........... $ 765 $ 38 $ 2 $ 801 $ -- U.S. Treasury, government and agency............. 27 -- -- 27 -- States and political subdivisions....... 6 -- -- 6 -- Commercial mortgage-backed.... 34 3 11 26 1 Redeemable preferred stock.... 18 -- -- 18 -- --------- -------- -------- --------- -------- Total at December 31, 2014................ $ 850 $ 41 $ 13 $ 878 $ 1 ========= ======== ======== ========= ======== December 31, 2013: ------------------ Fixed Maturity Securities: Corporate........... $ 608 $ 33 $ 8 $ 633 $ -- U.S. Treasury, government and agency............. 34 -- -- 34 -- States and political subdivisions....... 6 -- -- 6 -- Commercial mortgage-backed.... 46 1 23 24 1 Redeemable preferred stock.... 18 -- 2 16 -- --------- -------- -------- --------- -------- Total at December 31, 2013................ $ 712 $ 34 $ 33 $ 713 $ 1 ========= ======== ======== ========= ========
/(1)/Amounts represent OTTI losses in AOCI, which were not included in earnings (loss) in accordance with current accounting guidance. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 38 The contractual maturities of AFS fixed maturities (excluding redeemable preferred stock) at December 31, 2014 are shown in the table below. Bonds not due at a single maturity date have been included in the table in the final year of maturity. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. AVAILABLE-FOR-SALE FIXED MATURITY SECURITIES CONTRACTUAL MATURITIES AT DECEMBER 31, 2014
AMORTIZED COST FAIR VALUE --------- ---------- (IN MILLIONS) Due in one year or less................................... $ 39 $ 40 Due in years two through five............................. 167 179 Due in years six through ten.............................. 560 582 Due after ten years....................................... 32 33 --------- ---------- Subtotal............................................... 798 834 Commercial mortgage-backed securities..................... 34 26 --------- ---------- Total..................................................... $ 832 $ 860 ========= ==========
The following table shows proceeds from sales, gross gains (losses) from sales and OTTI for AFS fixed maturities during 2014, 2013 and 2012:
DECEMBER 31, ---------------------------- 2014 2013 2012 -------- -------- -------- (IN MILLIONS) Proceeds from sales/(1)/......................... $ 39 $ 1,200 $ 13 ======== ======== ======== Gross gains on sales/(2)/........................ $ 1 $ 84 $ 2 ======== ======== ======== Gross losses on sales/(3)/....................... $ 1 $ 9 $ 1 ======== ======== ======== Total OTTI....................................... $ (10) $ (6) $ (7) Non-credit losses recognized in OCI.............. -- -- -- -------- -------- -------- Credit losses recognized in earnings (loss)...... $ (10) $ (6) $ (7) ======== ======== ========
/(1)/2013 amount includes $1,090 million of transfer of assets to Protective Life. /(2)/2013 amount includes $81 million of gross gains from assets transferred to Protective Life. /(3)/2013 amount includes $6 million of gross losses from assets transferred to Protective Life. The following table sets forth the amount of credit loss impairments on fixed maturity securities held by MLOA at the dates indicated and the corresponding changes in such amounts. FIXED MATURITY SECURITIES -- CREDIT LOSS IMPAIRMENTS
2014 2013 ------ ------ (IN MILLIONS) Balances at January 1,......................................... $ (60) $ (72) Previously recognized impairments on securities that matured, paid, prepaid or sold........................................ 19 18 Recognized impairments on securities impaired to fair value this period/(1)/............................................. -- -- Impairments recognized this period on securities not previously impaired.......................................... (9) (6) Additional impairments this period on securities previously impaired..................................................... (1) -- Increases due to passage of time on previously recorded credit losses....................................................... -- -- Accretion of previously recognized impairments due to increases in expected cash flows............................. -- -- ------ ------ Balances at December 31,....................................... $ (51) $ (60) ====== ======
/(1)/Represents circumstances where MLOA determined in the current period that it intends to sell the security or it is more likely than not that it will be required to sell the security before recovery of the security's amortized cost. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 39 Net unrealized investment gains (losses) on fixed maturities and equity securities classified as AFS are included in the balance sheets as a component of AOCI. The table below presents these amounts as of the dates indicated:
DECEMBER 31, ------------- 2014 2013 ------ ----- (IN MILLIONS) AFS Securities: Fixed maturity securities: With OTTI loss.............................................. $ (1) $ (4) All other................................................... 29 5 ------ ----- Net Unrealized (Gains) Losses.................................. $ 28 $ 1 ====== =====
Changes in net unrealized investment gains (losses) recognized in AOCI include reclassification adjustments to reflect amounts realized in Net earnings (loss) for the current period that had been part of OCI in earlier periods. The tables that follow below present a rollforward of net unrealized investment gains (losses) recognized in AOCI, split between amounts related to fixed maturity securities on which an OTTI loss has been recognized, and all other: NET UNREALIZED GAINS (LOSSES) ON FIXED MATURITY SECURITIES WITH OTTI LOSSES
AOCI GAIN (LOSS) NET UNREALIZED DEFERRED RELATED TO GAINS INCOME NET UNREALIZED (LOSSES) ON TAX ASSET INVESTMENT INVESTMENTS DAC AND VOBA (LIABILITY) GAINS (LOSSES) -------------- -------------- ------------- -------------- (IN MILLIONS) BALANCE, JANUARY 1, 2014..................... $ (4) $ (1) $ 2 $ (3) Net investment gains (losses) arising during the period................................. -- -- -- -- Reclassification adjustment for OTTI losses: Included in Net earnings (loss)........... 3 -- -- 3 Excluded from Net earnings (loss)/(1)/.... -- -- -- -- Impact of net unrealized investment gains (losses) on: DAC and VOBA.............................. -- 1 -- 1 Deferred income taxes..................... -- -- (2) (2) -------------- -------------- ------------- -------------- BALANCE, DECEMBER 31, 2014................... $ (1) $ -- $ -- $ (1) ============== ============== ============= ============== BALANCE, JANUARY 1, 2013..................... $ 2 $ (1) $ -- $ 1 Net investment gains (losses) arising during the period................................. (5) -- -- (5) Reclassification adjustment for OTTI losses: Included in Net earnings (loss)........... (1) -- -- (1) Excluded from Net earnings (loss)/(1)/.... -- -- -- -- Impact of net unrealized investment gains (losses) on: DAC and VOBA.............................. -- -- -- -- Deferred income taxes..................... -- -- 2 2 -------------- -------------- ------------- -------------- BALANCE, DECEMBER 31, 2013................... $ (4) $ (1) $ 2 $ (3) ============== ============== ============= ==============
/(1)/Represents "transfers in" related to the portion of OTTI losses recognized during the period that were not recognized in earnings (loss) for securities with no prior OTTI loss. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 40 ALL OTHER NET UNREALIZED INVESTMENT GAINS (LOSSES) IN AOCI
AOCI GAIN (LOSS) NET UNREALIZED DEFERRED RELATED TO GAINS INCOME NET UNREALIZED (LOSSES) ON TAX ASSET INVESTMENT INVESTMENTS DAC AND VOBA (LIABILITY) GAINS (LOSSES) -------------- ------------- ------------- -------------- (IN MILLIONS) BALANCE, JANUARY 1, 2014..................... $ 5 $ 12 $ (6) $ 11 Net investment gains (losses) arising during the period................................. 17 -- -- 17 Reclassification adjustment for OTTI losses: Included in Net earnings (loss)........... 7 -- -- 7 Excluded from Net earnings (loss)/(1)/.... -- -- -- -- Impact of net unrealized investment gains (losses) on: DAC and VOBA.............................. -- (14) -- (14) Deferred income taxes..................... -- -- (3) (3) -------------- ------------- ------------- -------------- BALANCE, DECEMBER 31, 2014................... $ 29 $ (2) $ (9) $ 18 ============== ============= ============= ============== BALANCE, JANUARY 1, 2013..................... $ 156 $ (31) $ (44) $ 81 Net investment gains (losses) arising during the period................................. (84) -- -- (84) Reclassification adjustment for OTTI losses: Included in Net earnings (loss)........... (67) -- -- (67) Impact of net unrealized investment gains (losses) on: DAC and VOBA.............................. -- 43 -- 43 Deferred income taxes..................... -- -- 38 38 -------------- ------------- ------------- -------------- BALANCE, DECEMBER 31, 2013................... $ 5 $ 12 $ (6) $ 11 ============== ============= ============= ==============
/(1)/Represents "transfers out" related to the portion of OTTI losses during the period that were not recognized in earnings (loss) for securities with no prior OTTI loss. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 41 The following tables disclose the fair values and gross unrealized losses of the 70 issues at December 31, 2014 and the 143 issues at December 31, 2013 of fixed maturities that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for the specified periods at the dates indicated:
LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL --------------------- --------------------- --------------------- GROSS GROSS GROSS UNREALIZED UNREALIZED UNREALIZED FAIR VALUE LOSSES FAIR VALUE LOSSES FAIR VALUE LOSSES ---------- ---------- ---------- ---------- ---------- ---------- (IN MILLIONS) DECEMBER 31, 2014 ----------------- Fixed Maturity Securities: Corporate.................................. $ 41 $ (1) $ 38 $ (1) $ 79 $ (2) U.S. Treasury, government and agency....... 16 -- -- -- 16 -- States and political subdivisions.......... 1 -- -- -- 1 -- Commercial mortgage-backed................. 1 -- 20 (11) 21 (11) Redeemable preferred stock................. 5 -- 4 -- 9 -- ---------- ---------- ---------- ---------- ---------- ---------- Total........................................ $ 64 $ (1) $ 62 $ (12) $ 126 $ (13) ========== ========== ========== ========== ========== ========== December 31, 2013 ----------------- Fixed Maturity Securities: Corporate.................................. $ 109 $ (6) $ 38 $ (2) $ 147 $ (8) U.S. Treasury, government and agency....... 21 -- -- -- 21 -- States and political subdivisions.......... 1 -- -- -- 1 -- Commercial mortgage-backed................. 13 (13) 8 (10) 21 (23) Redeemable preferred stock................. 8 (2) -- -- 8 (2) ---------- ---------- ---------- ---------- ---------- ---------- Total........................................ $ 152 $ (21) $ 46 $ (12) $ 198 $ (33) ========== ========== ========== ========== ========== ==========
MLOA's investments in fixed maturity securities do not include concentrations of credit risk of any single issuer greater than 10% of the shareholder's equity of MLOA, other than securities of the U.S. government, U.S. government agencies and certain securities guaranteed by the U.S. government. MLOA maintains a diversified portfolio of corporate securities across industries and issuers and does not have exposure to any single issuer in excess of 1.3% of total investments. The largest exposures to a single issuer of corporate securities held at December 31, 2014 and 2013 were $15 million and $27 million, respectively. Corporate high yield securities, consisting primarily of public high yield bonds, are classified as other than investment grade by the various rating agencies, i.e., a rating below Baa3/BBB- or the National Association of Insurance Commissioners ("NAIC") designation of 3 (medium grade), 4 or 5 (below investment grade) or 6 (in or near default). At December 31, 2014 and 2013, respectively, approximately $48 million and $60 million, or 5.6% and 8.4%, of the $850 million and $712 million aggregate amortized cost of fixed maturities held by MLOA were considered to be other than investment grade. These securities had net unrealized losses of $8 million and $22 million at December 31, 2014 and 2013, respectively. At December 31, 2014 and 2013, respectively, the $12 million and $12 million of gross unrealized losses of twelve months or more were concentrated in commercial mortgage-backed securities. In accordance with the policy described in Note 2, MLOA concluded that an adjustment to earnings for OTTI for these securities was not warranted at either December 31, 2014 or 2013. At December 31, 2014, MLOA did not intend to sell the securities nor will it likely be required to dispose of the securities before the anticipated recovery of their remaining amortized cost basis. At December 31, 2014, the carrying value of fixed maturities that were non-income producing for the twelve months preceding that date was $2 million. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 42 MORTGAGE LOANS During 2014 all of MLOA's mortgage loans matured or prepaid and there were no outstanding balances at December 31, 2014. Valuation Allowances for Mortgage Loans: Allowances for credit losses for mortgage loans in 2014, 2013 and 2012 are as follows:
COMMERCIAL MORTGAGE LOANS ------------------------- 2014 2013 2012 ------ ------ ------ (IN MILLIONS) ALLOWANCE FOR CREDIT LOSSES: Beginning Balance, January 1,........................ $ 3 $ 4 $ 3 Charge-offs....................................... (3) -- -- Recoveries........................................ -- (1) -- Provision......................................... -- -- 1 ------ ------ ------ Ending Balance, December 31,......................... $ -- $ 3 $ 4 ====== ====== ====== Ending Balance, December 31,: Individually Evaluated for Impairment............. $ -- $ 3 $ 4 ====== ====== ======
There were no allowances for credit losses for agricultural mortgage loans in 2014, 2013 and 2012. The values used in these ratio calculations were developed as part of the periodic review of the commercial mortgage loan portfolio, which includes an evaluation of the underlying collateral value. The following tables provide information relating to the loan-to-value and debt service coverage ratio for commercial mortgage loans at December 31, 2013. MORTGAGE LOANS BY LOAN-TO-VALUE AND DEBT SERVICE COVERAGE RATIOS DECEMBER 31, 2013
Debt Service Coverage Ratio ------------------------------------------------------------- Total Greater 1.8x to 1.5x to 1.2x to 1.0x to Less Mortgage Loan-to-Value than 2.0x 2.0x 1.8x 1.5x 1.2x than 1.0x Loans Ratio:/(2)/ --------- --------- --------- ----------- --------- --------- --------- (In Millions) Commercial Mortgage Loans/(1)/ 0% - 50%........ $ -- $ -- $ 16 $ -- $ -- $ -- $ 16 50% - 70%....... -- -- -- 6 -- -- 6 70% - 90%....... -- -- -- -- -- -- -- 90% plus........ 9 -- -- -- -- -- 9 --------- --------- --------- ----------- --------- --------- --------- Total Commercial Mortgage Loans.. $ 9 $ -- $ 16 $ 6 $ -- $ -- $ 31 ========= ========= ========= =========== ========= ========= =========
/(1)/The debt service coverage ratio is calculated using the most recently reported net operating income results from property operations divided by annual debt service. /(2)/The loan-to-value ratio is derived from current loan balance divided by the fair market value of the property. The fair market value of the underlying commercial properties is updated annually. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 43 The following table provides information relating to the aging analysis of past due mortgage loans at December 31, 2013. AGE ANALYSIS OF PAST DUE COMMERCIAL MORTGAGE LOANS
RECORDED INVESTMENT TOTAL (GREATER THAN) 90 DAYS 30-59 60-89 90 DAYS FINANCING AND DAYS DAYS OR (GREATER THAN) TOTAL CURRENT RECEIVABLES ACCRUING ----- ----- ----------------- ----- ------- ----------- ---------------------- (IN MILLIONS) December 31, 2013 ----------------- Total Commercial Mortgage Loans.............. $ -- $ -- $ -- $ -- $ 31 $ 31 $ -- ===== ===== ================ ===== ===== ===== ==========
The following table provides information relating to impaired mortgage loans at December 31, 2013. COMMERCIAL MORTGAGE LOANS -- IMPAIRED
UNPAID AVERAGE INTEREST RECORDED PRINCIPAL RELATED RECORDED INCOME INVESTMENT BALANCE ALLOWANCE INVESTMENT/(1)/ RECOGNIZED ---------- --------- ---------- -------------- ---------- (IN MILLIONS) December 31, 2013 ----------------- With no related allowance recorded......... $ -- $ -- $ -- $ -- $ -- With related allowance recorded............ $ 9 $ 9 $ (3) $ 10 $ --
/(1)/Represents a five-quarter average of recorded amortized cost. EQUITY INVESTMENTS MLOA holds equity in limited partnership interests and other equity method investments that primarily invest in securities considered to be other than investment grade. The carrying values at December 31, 2014 and 2013 were $0 million and $1 million, respectively. The following table presents MLOA's investment in 2.6 million units in AllianceBernstein, an affiliate, which is included in Other invested assets:
2014 2013 ----- ----- (IN MILLIONS) Balance at January 1,............................................ $ 70 $ 69 Equity in net earnings (loss).................................... 1 5 Dividends received............................................... (5) (4) Other............................................................ (3) -- ----- ----- Balance at December 31,.......................................... $ 63 $ 70 ===== =====
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 44 The tables below detail the condensed balance sheets and statements of earnings (loss) of AllianceBernstein and MLOA's equity investment and equity in earnings (loss) of AllianceBernstein.
DECEMBER 31, ------------- 2014 2013 ------ ------ (IN MILLIONS) BALANCE SHEETS: Total Assets.............................................. $7,378 $7,386 ====== ====== Total Liabilities......................................... 3,246 3,316 Redeemable non-controlling interest....................... 17 -- Total Partners' Capital................................... 4,116 4,070 ------ ------ Total Liabilities and Partners' Capital................. $7,379 $7,386 ====== ====== MLOA's Equity investment in AllianceBernstein............. $ 63 $ 70 ====== ======
2014 2013 2012 ------ ------ ------ (IN MILLIONS) STATEMENTS OF EARNINGS (LOSS): Total revenues............................................ $3,005 $2,915 $2,737 ------ ------ ------ Total Expenses............................................ 2,397 2,351 2,534 ------ ------ ------ Net Earnings (Loss)..................................... $ 570 $ 518 $ 189 ====== ====== ====== MLOA's Equity in earnings (loss) of AllianceBernstein..... $ 1 $ 5 $ 2 ====== ====== ======
DERIVATIVES AND OFFSETTING ASSETS AND LIABILITIES MLOA hedges crediting rates in the Market Stabilizer Option(R) ("MSO") in the variable life insurance products and Indexed Universal Life ("IUL") insurance products. These products permit the contract owner to participate in the performance of an index, ETF or commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which MLOA will absorb up to a certain percentage the loss of value in an index, ETF or commodity price, which varies by product segment. In order to support the returns associated with these features, MLOA enters into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price subject to caps and buffers. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 45 The tables below present quantitative disclosures about MLOA's derivative instruments, including those embedded in other contracts though required to be accounted for as derivative instruments. DERIVATIVE INSTRUMENTS BY CATEGORY
FAIR VALUE ----------------------- GAINS (LOSSES) NOTIONAL ASSET LIABILITY REPORTED IN AMOUNT DERIVATIVES DERIVATIVES EARNINGS (LOSS) ---------- ----------- ----------- --------------- (IN MILLIONS) AT OR FOR THE YEAR ENDED DECEMBER 31, 2014: FREESTANDING DERIVATIVES: Equity contracts:/(1)/ Options.................................... $ 307 $ 32 $ 6 $ 13 ------------- NET INVESTMENT INCOME (LOSS).............. 13 ------------- EMBEDDED DERIVATIVES: MSO and IUL indexed features/(3)/.......... -- -- 26 (13) ---------- --------- ---------- ------------- Balances, December 31, 2014.................. $ 307 $ 32 $ 32 $ -- ========== ========= ========== ============= At or For the Year Ended December 31, 2013: Freestanding derivatives: Equity contracts:/(1)/ Options.................................... $ 158 $ 20 $ 6 $ 8 ---------- --------- ---------- ------------- Net investment income (loss).............. 8 ------------- Embedded derivatives: GMIB reinsurance contracts/(2)/............ -- -- -- (7) MSO and IUL indexed features/(3)/.......... -- -- 14 (8) ---------- --------- ---------- ------------- Balances, December 31, 2013.................. $ 158 $ 20 $ 20 $ (7) ========== ========= ========== =============
/(1)/Reported in Other invested assets in MLOA's balance sheets. /(2)/Reported in Other assets in MLOA's balance sheets. /(3)/MSO and IUL are reported in Future policyholders' benefits and other policyholders' liabilities in the balance sheets. CREDIT RISK Although notional amount is the most commonly used measure of volume in the derivatives market, it is not used as a measure of credit risk. A derivative with positive fair value (a derivative asset) indicates existence of credit risk because the counterparty would owe money to MLOA if the contract were closed at the reporting date. Alternatively, a derivative contract with negative fair value (a derivative liability) indicates MLOA would owe money to the counterparty if the contract were closed at the reporting date. To reduce credit exposures in OTC derivative transactions MLOA generally enters into master agreements that provide for a netting of financial exposures with the counterparty and allow for collateral arrangements as further described below under "ISDA Master Agreements." MLOA further controls and minimizes its counterparty exposure through a credit appraisal and approval process. ISDA MASTER AGREEMENTS NETTING PROVISIONS. The standardized "ISDA Master Agreement" under which MLOA conducts its OTC derivative transactions includes provisions for payment netting. In the normal course of business activities, if there is more than one derivative transaction with a single counterparty, MLOA will set-off the cash flows of those derivatives into a single amount to be exchanged in settlement of the resulting net payable or receivable with that counterparty. In the event of default, insolvency, or other similar event pre-defined under the ISDA Master Agreement that would result in termination of OTC derivatives transactions before their maturity, netting procedures would be applied to calculate a single net payable or receivable with the counterparty. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 46 COLLATERAL ARRANGEMENTS. MLOA generally has executed a Credit Support Annex ("CSA") under the ISDA Master Agreement it maintains with each of its OTC derivative counterparties that requires both posting and accepting collateral either in the form of cash or high-quality securities, such as U.S. Treasury securities or those issued by government agencies. These CSAs are bilateral agreements that require collateral postings by the party "out-of-the-money" or in a net derivative liability position. Various thresholds for the amount and timing of collateralization of net liability positions are applicable. Consequently, the credit exposure of MLOA's OTC derivative contracts is limited to the net positive estimated fair value of those contracts at the reporting date after taking into consideration the existence of netting agreements and any collateral received pursuant to CSAs. Derivatives are recognized at fair value in the consolidated balance sheets and are reported either as assets in Other invested assets or as liabilities in Other liabilities, except for embedded insurance-related derivatives as described above and derivatives transacted with a related counterparty. MLOA nets the fair value of all derivative financial instruments with counterparties for which an ISDA Master Agreement and related CSA have been executed. At December 31, 2014 and 2013, respectively, MLOA held $26 million and $12 million in cash and securities collateral delivered by trade counterparties, representing the fair value of the related derivative agreements. This unrestricted cash collateral is reported in Cash and cash equivalents, and the obligation to return it is reported in Other liabilities in the balance sheets. The aggregate fair value of all collateralized derivative transactions that were in a liability position at December 31, 2014 and 2013 was not material. The following table presents information about MLOA's offsetting of financial assets and liabilities and derivative instruments at December 31, 2014. OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES AND DERIVATIVE INSTRUMENTS AT DECEMBER 31, 2014
GROSS GROSS AMOUNTS NET AMOUNTS AMOUNTS OFFSET IN THE PRESENTED IN THE RECOGNIZED BALANCE SHEETS BALANCE SHEETS ------------ -------------- ---------------- (IN MILLIONS) ASSETS DESCRIPTION Derivatives: Equity contracts.................. $ 32 $ 6 $ 26 ------------ ------------ ------------ Total Derivatives, subject to an ISDA Master Agreement/(1)/.. 32 6 26 Other financial instruments....... 64 -- 64 ------------ ------------ ------------ Other invested assets........... $ 96 $ 6 $ 90 ============ ============ ============ LIABILITIES DESCRIPTION Derivatives: Equity contracts.................. $ 6 $ 6 $ -- ------------ ------------ ------------ Total Derivatives, subject to an ISDA Master Agreement/(1)/.. 6 6 -- Other financial liabilities....... 63 -- 63 ------------ ------------ ------------ Other liabilities............... $ 69 $ 6 $ 63 ============ ============ ============
/(1)/There were no derivatives not subject to ISDA Master Agreements at December 31, 2014. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 47 The following table presents information about MLOA's gross collateral amounts that are not offset in the balance sheets at December 31, 2014. GROSS COLLATERAL AMOUNTS NOT OFFSET IN THE BALANCE SHEETS AT DECEMBER 31, 2014
COLLATERAL (RECEIVED)/HELD NET AMOUNTS ------------------------ PRESENTED IN THE FINANCIAL NET BALANCE SHEETS INSTRUMENTS CASH AMOUNTS ---------------- ----------- --------- -------- (IN MILLIONS) ASSETS Counterparty A............ $ 5 $ -- $ (5) $ -- Counterparty F............ 1 -- (1) -- Counterparty G............ 3 -- (3) -- Counterparty H............ 6 (6) -- -- Counterparty K............ 6 -- (6) -- Counterparty L............ 4 -- (4) -- Counterparty T............ 1 -- (1) -- -------------- ---------- --------- -------- Total Derivatives....... $ 26 $ (6) $ (20) $ -- Other financial assets.... 64 -- -- 64 -------------- ---------- --------- -------- OTHER INVESTED ASSETS..... $ 90 $ (6) $ (20) $ 64 ============== ========== ========= ========
The following table presents information about MLOA's offsetting of financial assets and liabilities and derivative instruments at 2013. Offsetting of Financial Assets and Liabilities and Derivative Instruments At December 31, 2013
Gross Gross Amounts Net Amounts Amounts Offset in the Presented in the Recognized Balance Sheets Balance Sheets ------------ -------------- ---------------- (In Millions) ASSETS Description Derivatives: Equity contracts.................. $ 20 $ 6 $ 14 ------------ ------------ ------------ Total Derivatives, subject to an ISDA Master Agreement/(1)/...... 20 6 14 Other financial instruments....... 70 -- 70 ------------ ------------ ------------ Other invested assets........... $ 90 $ 6 $ 84 ============ ============ ============ LIABILITIES Description Derivatives: Equity contracts.................. $ 6 $ 6 $ -- ------------ ------------ ------------ Total Derivatives, subject to an ISDA Master Agreement/(1)/...... 6 6 -- Other financial liabilities....... 83 -- 83 ------------ ------------ ------------ Other liabilities............... $ 89 $ 6 $ 83 ============ ============ ============
/(1)/There were no derivatives not subject to ISDA Master Agreements at December 31, 2013. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 48 The following table presents information about MLOA's gross collateral amounts that are not offset in the balance sheets at December 31, 2013. Gross Collateral Amounts Not Offset in the Balance Sheets At December 31, 2013
Collateral (Received)/Held Net Amounts ------------------------ Presented in the Financial Net Balance Sheets Instruments Cash Amounts ---------------- ----------- ------------ ----------- (In Millions) ASSETS Counterparty A.......... $ 6 $ -- $ (6) $ -- Counterparty H.......... 1 -- -- 1 Counterparty K.......... 2 -- (2) -- Counterparty L.......... 4 -- (4) -- ------------- ----------- ------------ ----------- Total Derivatives..... $ 13 $ -- $ (12) $ 1 Other financial assets.. 71 -- -- 71 ------------- ----------- ------------ ----------- Other invested assets. $ 84 $ -- $ (12) $ 72 ============= =========== ============ ===========
NET INVESTMENT INCOME (LOSS) The following table breaks out Net investment income (loss) by asset category:
2014 2013 2012 ----- ----- ----- (IN MILLIONS) Fixed maturities......................................... $ 36 $ 79 $ 97 Mortgage loans on real estate............................ 2 2 9 Policy loans............................................. 1 6 8 Derivative instruments................................... 13 8 -- ----- ----- ----- Gross investment income (loss)........................... 52 95 114 Investment expenses...................................... (2) (3) (4) ----- ----- ----- Net Investment Income (Loss)........................... $ 50 $ 92 $ 110 ===== ===== =====
For 2014 and 2013, net investment income (loss) from derivatives included $8 million and $2 million of realized gains (losses) on contracts closed during those periods and $5 million and $6 million of unrealized gains (losses) on derivative positions at year end. INVESTMENT GAINS (LOSSES), NET Investment gains (losses), net including changes in the valuation allowances and OTTI are as follows:
2014 2013 2012 ----- ----- ----- (IN MILLIONS) Fixed maturities......................................... $ (10) $ 67 $ (5) Impact of (repurchase) issuance of AllianceBernstein Units.................................................. -- -- (2) Mortgage loans on real estate............................ 4 1 2 ----- ----- ----- Investment Gains (Losses), Net........................... $ (6) $ 68 $ (5) ===== ===== =====
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 49 4) VALUE OF BUSINESS ACQUIRED The following table presents MLOA's VOBA asset at December 31, 2014 and 2013:
GROSS ACCUMULATED CARRYING AMORTIZATION AMOUNT AND OTHER NET --------- ------------ --------- (IN MILLIONS) VOBA ---- DECEMBER 31, 2014............................ $ 416 $ (409)/(1)/ $ 7 ========= ========== ========= December 31, 2013............................ $ 416 $ (398)/(1)/ $ 18 ========= ========== =========
/(1)/Includes reactivity to unrealized investment gains (losses) and $117 million of accelerated VOBA amortization resulting from the reinsurance agreement with Protective Life which is included in the deferred cost of reinsurance. For 2014, 2013 and 2012, amortization (negative amortization) expense related to VOBA was $10 million, $11 million and $(13) million, respectively. VOBA amortization is estimated to range between $0 million and $1 million annually through 2019. 5) FAIR VALUE DISCLOSURES Assets measured at fair value on a recurring basis are summarized below. Fair value measurements also are required on a non-recurring basis for certain assets, including goodwill, mortgage loans on real estate, equity real estate held for production of income, and equity real estate held for sale, only when an OTTI or other event occurs. When such fair value measurements are recorded, they must be classified and disclosed within the fair value hierarchy. At December 31, 2014 and 2013, no assets were required to be measured at fair value on a non-recurring basis. FAIR VALUE MEASUREMENTS
LEVEL 1 LEVEL 2 LEVEL 3 TOTAL --------- -------- -------- --------- (IN MILLIONS) DECEMBER 31, 2014 ----------------- ASSETS: Investments: Fixed maturity Securities, available-for-sale: Corporate............................. $ -- $ 793 $ 8 $ 801 U.S. Treasury, government and agency.. -- 27 -- 27 States and political subdivisions..... -- 6 -- 6 Commercial mortgage-backed............ -- -- 26 26 Redeemable preferred stock............ 10 8 -- 18 --------- -------- -------- --------- Subtotal............................ 10 834 34 878 --------- -------- -------- --------- Other equity investments............... 1 -- -- 1 Options................................ -- 26 -- 26 Cash equivalents......................... 42 -- -- 42 Separate Accounts' assets................ 1,794 15 -- 1,809 --------- -------- -------- --------- Total Assets.......................... $ 1,847 $ 875 $ 34 $ 2,756 ========= ======== ======== ========= LIABILITIES: MSO and IUL indexed features' liability.. $ -- $ 26 $ -- $ 26 --------- -------- -------- --------- Total Liabilities..................... $ -- $ 26 $ -- $ 26 ========= ======== ======== =========
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 50
LEVEL 1 LEVEL 2 LEVEL 3 TOTAL ------- ------- -------- -------- (IN MILLIONS) December 31, 2013 ----------------- Assets: Investments: Fixed maturity Securities, available-for-sale: Corporate................................. $ -- $ 624 $ 9 $ 633 U.S. Treasury, government and agency...... -- 34 -- 34 States and political subdivisions......... -- 6 -- 6 Foreign governments....................... -- -- -- -- Commercial mortgage-backed................ -- -- 24 24 Redeemable preferred stock................ 8 8 -- 16 ------- ------- -------- -------- Subtotal................................ 8 672 33 713 ------- ------- -------- -------- Other equity investments................... 1 -- -- 1 Options.................................... -- 14 -- 14 Cash equivalents............................. 127 -- -- 127 GMIB reinsurance contracts................... -- -- -- -- Separate Accounts' assets.................... 1,823 15 -- 1,838 ------- ------- -------- -------- Total Assets.............................. $ 1,959 $ 701 $ 33 $ 2,693 ======= ======= ======== ======== Liabilities: MSO and IUL indexed features' liability...... $ -- $ 14 $ -- $ 14 ------- ------- -------- -------- Total Liabilities......................... $ -- $ 14 $ -- $ 14 ======= ======= ======== ========
At December 31, 2014 and 2013, respectively, the fair value of public fixed maturities is approximately $661 million and $556 million or approximately 24.0% and 20.6% of MLOA's total assets measured at fair value on a recurring basis (excluding GMIB reinsurance contracts measured at fair value on a recurring basis at December 31, 2013). The fair values of MLOA's public fixed maturity securities are generally based on prices obtained from independent valuation service providers and for which MLOA maintains a vendor hierarchy by asset type based on historical pricing experience and vendor expertise. Although each security generally is priced by multiple independent valuation service providers, MLOA ultimately uses the price received from the independent valuation service provider highest in the vendor hierarchy based on the respective asset type, with limited exception. To validate reasonableness, prices also are internally reviewed by those with relevant expertise through comparison with directly observed recent market trades. Consistent with the fair value hierarchy, public fixed maturity securities validated in this manner generally are reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs. If the pricing information received from independent valuation service providers is not reflective of market activity or other inputs observable in the market, MLOA may challenge the price through a formal process in accordance with the terms of the respective independent valuation service provider agreement. If as a result it is determined that the independent valuation service provider is able to reprice the security in a manner agreed as more consistent with current market observations, the security remains within Level 2. Alternatively, a Level 3 classification may result if the pricing information then is sourced from another vendor, non-binding broker quotes, or internally-developed valuations for which MLOA's own assumptions about market-participant inputs would be used in pricing the security. At December 31, 2014 and 2013, respectively, the fair value of private fixed maturities is approximately $217 million and $157 million or approximately 7.9% and 5.8% of MLOA's total assets measured at fair value on a recurring basis. The fair values of MLOA's private fixed maturities, which primarily are comprised of investments in private placement securities generally are determined using a discounted cash flow model. In certain cases, these models use observable inputs with a discount rate based upon the average of spread surveys collected from private market intermediaries who are active in both primary and secondary transactions, taking into account, among other factors, the credit quality and industry sector of the issuer and the reduced liquidity associated with private placements. Generally, these securities have been reflected within Level 2. For certain private fixed maturities, the discounted cash flow model may also incorporate unobservable inputs, which reflect MLOA's own assumptions about the inputs market participants would use in pricing the asset. To the extent management determines that such unobservable inputs are significant to the fair value measurement of a security, a Level 3 classification generally is made. At December 31, 2014 and 2013, respectively, investments classified as Level 1 comprise approximately 67.0% and 72.8% of assets measured at fair value on a recurring basis and primarily include redeemable preferred stock, cash equivalents and Separate Accounts assets. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 51 Fair value measurements classified as Level 1 include exchange-traded prices of fixed maturities, equity securities and net asset values for transacting subscriptions and redemptions of mutual fund shares held by Separate Accounts. Cash equivalents classified as Level 1 include money market accounts, overnight commercial paper and highly liquid debt instruments purchased with an original maturity of three months or less, and are carried at cost as a proxy for fair value measurement due to their short-term nature. At December 31, 2014 and 2013, respectively, investments classified as Level 2 comprise approximately 31.7% and 26.0% of assets measured at fair value on a recurring basis and primarily include U.S. government and agency securities and certain corporate debt securities, such as public and private fixed maturities. As market quotes generally are not readily available or accessible for these securities, their fair value measures are determined utilizing relevant information generated by market transactions involving comparable securities and often are based on model pricing techniques that effectively discount prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security's duration, also taking into consideration issuer-specific credit quality and liquidity. MLOA's IUL product and in the MSO investment option available in some life contracts offer investment options which permit the contract owner to participate in the performance of an index, ETF or commodity price. These investment options, which depending on the product and on the index selected can currently have 1 or 3 year terms, provide for participation in the performance of specified indices, ETFs or commodity price movement up to a segment-specific declared maximum rate. Under certain conditions that vary by product, e.g. holding these segments for the full term, these segments also shield policyholders from some or all negative investment performance associated with these indices, ETFs or commodity price. These investment options have defined formulaic liability amounts, and the current values of the option component of these segment reserves are accounted for as Level 2 embedded derivatives. The fair values of these embedded derivatives are based on prices obtained from independent valuation service providers. At December 31, 2014 and 2013, respectively, investments classified as Level 3 comprise approximately 1.2% and 1.2% of assets measured at fair value on a recurring basis and primarily include commercial mortgage-backed securities ("CMBS") and corporate debt securities. Determinations to classify fair value measures within Level 3 of the valuation hierarchy generally are based upon the significance of the unobservable factors to the overall fair value measurement. Included in the Level 3 classification at December 31, 2013, were approximately $0 million of fixed maturities with indicative pricing obtained from brokers that otherwise could not be corroborated to market observable data. MLOA applies various due-diligence procedures, as considered appropriate, to validate these non-binding broker quotes for reasonableness, based on its understanding of the markets, including use of internally-developed assumptions about inputs a market participant would use to price the security. In addition, approximately $26 million and $24 million of mortgage- and asset-backed securities, including CMBS, are classified as Level 3 at December 31, 2014 and 2013, respectively. MLOA utilizes prices obtained from an independent valuation service vendor to measure fair value of CMBS securities. In 2014 and 2013, there were no AFS fixed maturities transferred from Level 2 into the Level 3 or from Level 3 to Level 2 classification. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 52 The table below presents a reconciliation for all Level 3 assets at December 31, 2014 and 2013, respectively. LEVEL 3 INSTRUMENTS FAIR VALUE MEASUREMENTS
COMMERCIAL GMIB MORTGAGE- ASSET- REINSURANCE CORPORATE BACKED BACKED CONTRACTS ------------ ----------- ----------- ----------- (IN MILLIONS) BALANCE, JANUARY 1, 2014.............. $ 9 $ 24 $ -- $ -- Total gains (losses), realized and unrealized, included in: Earnings (loss) as: Investment gains (losses), net... (1) (11) -- -- Other comprehensive income (loss)........................... 1 13 -- -- Sales................................. (1) -- -- -- ------------ ----------- ----------- ---------- BALANCE, DECEMBER 31, 2014............ $ 8 $ 26 $ -- $ -- ============ =========== =========== ========== BALANCE, JANUARY 1, 2013.............. $ 35 $ 35 $ 6 $ 7 Total gains (losses), realized and unrealized included in: Earnings (loss) as: Investment gains (losses), net... 2 (9) 2 -- Increase (decrease) in the fair value of reinsurance contracts.......... -- -- -- (7) Other comprehensive income (loss)........................... (2) (1) (2) -- Sales................................. (26) (1) (6) -- ------------ ----------- ----------- ---------- BALANCE, DECEMBER 31, 2013............ $ 9 $ 24 $ -- $ -- ============ =========== =========== ========== BALANCE, JANUARY 1, 2012.............. $ 34 $ 29 $ 5 $ 9 Total gains (losses), realized and unrealized included in: Earnings (loss) as:................ Investment gains (losses), net... 1 (7) -- -- Increase (decrease) in the fair value of reinsurance contracts.......... -- -- -- (2) Other comprehensive income (loss)........................... -- 13 1 -- Sales................................. (3) -- -- -- Transfers into Level 3/(1)/........... 3 -- -- -- ------------ ----------- ----------- ---------- BALANCE, DECEMBER 31, 2012............ $ 35 $ 35 $ 6 $ 7 ============ =========== =========== ==========
/(1)/Transfers into/out of Level 3 classification are reflected at beginning-of-period fair values. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 53 The table below details changes in unrealized gains (losses) for 2014 and 2013 by category for Level 3 assets still held at December 31, 2014 and 2013, respectively.
OCI ------------- (IN MILLIONS) ------------- LEVEL 3 INSTRUMENTS FULL YEAR 2014 STILL HELD AT DECEMBER 31, 2014: Change in unrealized gains (losses): Fixed maturity securities, available-for-sale: Corporate.................................................. $ 1 Commercial mortgage-backed................................. 12 ------------ Total.................................................... $ 13 ============ Level 3 Instruments Full Year 2013 Still Held at December 31, 2013: Change in unrealized gains (losses): Fixed maturity securities, available-for-sale: Commercial mortgage-backed................................. $ (2) ------------ Total.................................................... $ (2) ============
At December 31, 2014 and 2013, MLOA had $34 million and $33 million, respectively, of investments classified as Level 3. The underlying quantitative inputs to measure the fair value of these investments are not developed by MLOA and are not readily available. These investments primarily consist of certain privately placed debt securities with limited trading activity, including asset-backed instruments, and their fair values generally reflect unadjusted prices obtained from independent valuation service providers and indicative, non-binding quotes obtained from third-party broker-dealers recognized as market participants. Significant increases or decreases in the fair value amounts received from these pricing sources may result in MLOA's reporting significantly higher or lower fair value measurements for these Level 3 investments. The carrying values and fair values at December 31, 2014 and December 31, 2013 for financial instruments not otherwise disclosed in Note 3 are presented in the table below. Certain financial instruments are exempt from the requirements for fair value disclosure, such as insurance liabilities other than financial guarantees and investment contracts and pension and other postretirement obligations.
FAIR VALUE CARRYING ------------------------------ VALUE LEVEL 1 LEVEL 2 LEVEL 3 TOTAL -------- ------- ------- -------- ----- (IN MILLIONS) DECEMBER 31, 2014 ----------------- Policyholders liabilities: Investment contracts............................ $ 6 $ -- $ -- $ 6 $ 6 Policy Loans........................... 151 -- -- 184 184 December 31, 2013 ----------------- Mortgage loans on real estate.......... $ 28 $ -- $ -- $ 28 $ 28 Policyholders liabilities: Investment contracts............................ 193 -- -- 196 196 Policy Loans........................... 142 -- -- 174 174
Fair values for commercial mortgage loans on real estate are measured by discounting future contractual cash flows to be received on the mortgage loan using interest rates at which loans with similar characteristics and credit quality would be made. The discount rate is derived from taking the appropriate U.S. Treasury rate with a like term to the remaining term of the loan and adding a spread reflective of the risk premium associated with the specific loan. Fair values for mortgage loans anticipated to be foreclosed and problem mortgage loans are limited to the fair value of the underlying collateral, if lower. The fair value of policy loans is calculated by discounting expected cash flows based upon the U.S. treasury yield curve and historical loan repayment patterns. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 54 The fair values for MLOA's supplementary contracts not involving life contingencies ("SCNILC"), single premium deferred annuities and certain annuities, which are included in Policyholder's account balances, are estimated using projected cash flows discounted at rates reflecting current market rates. Significant unobservable inputs reflected in the cash flows include lapse rates and withdrawal rates. Incremental adjustments may be made to the fair value to reflect non-performance risk. 6) REINSURANCE On October 1, 2013, MLOA entered into an agreement with Protective Life to reinsure an in-force book of life insurance and annuity policies, written primarily prior to 2004. As of December 31, 2014 and 2013 included in MLOA's balance sheet were Amounts due from reinsurers of $1,213 million and $1,207 million, respectively (net of $131 million and $129 million of ceded policy loans, respectively), including $1,154 million and $1,182 million of Policyholder's account balances relating to the reinsurance agreement with Protective Life. During 2014 and 2013, respectively, total premiums ceded to Protective Life were $24 million and $6 million and policyholder benefits ceded were $242 million and $18 million. As of December 31, 2014, Protective Life is rated AA-. Included in the reinsured business to Protective Life were policies with GMDB and GMIB features which had a reserve balance of $5 million and $1 million at December 31, 2014, respectively and $5 million and $1 million at December 31, 2013, respectively. As a result of the reinsurance agreement Protective Life will receive all the benefits from and assumes all the risks from other reinsurance contracts to which MLOA was a party for the block of business reinsured. For business not reinsured with Protective Life, MLOA generally reinsures its variable life, interest-sensitive life and term life insurance policies on an excess of retention basis. In 2014, MLOA generally retained up to a maximum of $4 million of mortality risk on single-life policies and up to a maximum of $6 million of mortality risk on second-to-die policies. For amounts applied for in excess of those limits, reinsurance is ceded to AXA Equitable Life Insurance Company ("AXA Equitable"), an affiliate and wholly-owned subsidiary of AXA Financial, up to a combined maximum of $20 million of risk on single-life policies and up to a maximum of $25 million on second-to-die policies. For amounts issued in excess of those limits MLOA typically obtained reinsurance from unaffiliated third parties. The reinsurance arrangements obligate the reinsurer to pay a portion of any death claim in excess of the amount MLOA retained in exchange for an agreed-upon premium. At December 31, 2014 and 2013, respectively, reinsurance recoverables related to insurance contracts amounted to $1,336 million and $1,304 million, of which $37 million and $51 million (not including Protective Life) related to one specific reinsurer, which is rated AA- with the remainder of the reinsurers rated A- or not rated. A contingent liability exists with respect to reinsurance should the reinsurers be unable to meet their obligations. MLOA evaluates the financial condition of its reinsurers in an effort to minimize its exposure to significant losses from reinsurer insolvencies. The following table summarizes the effect of reinsurance:
2014 2013 2012 ----- ----- ----- (IN MILLIONS) Direct premiums.............................. $ 46 $ 72 $ 56 Assumed...................................... 1 1 2 Reinsurance ceded............................ (46) (48) (26) ----- ----- ----- Premiums..................................... $ 1 $ 25 $ 32 ===== ===== ===== Variable Life and Investment-type Product Policy Fee Income Ceded.................... $ 48 $ 31 $ 29 ===== ===== ===== Policyholders' Benefits Ceded................ $ 291 $ 125 $ 84 ===== ===== =====
7) RELATED PARTY TRANSACTIONS In 2013, MLOA used a portion of the consideration received from the reinsurance agreement with Protective to return $200 million of capital to its parent AEFS and to donate $20 million to AXA Foundation, Inc. (the "Foundation"). The Foundation was organized for the purpose of distributing grants to various tax-exempt charitable organizations and administering various matching gift programs for AXA Equitable its subsidiaries and affiliates, including MLOA. In August 2012, MLOA sold its entire portfolio of agricultural mortgage loans on real estate to AXA Equitable, an affiliate, in exchange for $42 million. MLOA recorded a pre-tax net realized gain of $3 million related to the sale. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 55 Under its service agreement with AXA Equitable, personnel services, employee benefits, facilities, supplies and equipment are provided to MLOA to conduct its business. The associated costs related to the service agreement are allocated to MLOA based on methods that management believes are reasonable, including a review of the nature of such costs and activities performed to support MLOA. As a result of such allocations, MLOA incurred expenses of $67 million, $87 million and $75 million for 2014, 2013 and 2012, respectively. At December 31, 2014 and 2013, respectively, MLOA reported a $16 million and $26 million payable to AXA Equitable in connection with its service agreement. Various AXA affiliates, including MLOA, cede a portion of their life, health and catastrophe insurance business through reinsurance agreements to AXA Global Life beginning in 2010 (and AXA Cessions in 2009 and prior), AXA affiliated reinsurers. Beginning in 2008 AXA Global Life, in turn, retrocedes a quota share portion of these risks to MLOA on a one-year term basis. MLOA cedes a portion of its life business through excess of retention treaties to AXA Equitable on a yearly renewal term basis and reinsured the no lapse guarantee riders through AXA RE Arizona Company. During 2014, 2013 and 2012, premiums, claims and expenses assumed and ceded under these agreements were not significant. In 2014, 2013 and 2012, respectively, MLOA paid AXA Distribution and its subsidiaries $52 million, $47 million and $32 million of commissions and fees for sales of insurance products. MLOA charged AXA Distribution's subsidiaries $36 million, $29 million and $25 million, respectively, for their applicable share of operating expenses in 2014, 2013 and 2012, pursuant to the Agreements for Services. In addition to the AXA Equitable service agreement, MLOA has various other service and investment advisory agreements with affiliates. The amount of expenses incurred by MLOA related to these agreements were $1 million, $2 million and $2 million for 2014, 2013 and 2012, respectively. 8) SHARE-BASED COMPENSATION Certain employees of AXA Equitable, who perform services on a full-time basis for MLOA, participate in various share-based payment arrangements sponsored by AXA Financial. MLOA was allocated $2 million, $3 million and $3 million of compensation costs, included in Compensation and benefits in the statement of Earnings (Loss), for share-based payment arrangements during 2014, 2013 and 2012, respectively. 9) INCOME TAXES A summary of the income tax (expense) benefit in the statements of earnings (loss) follows:
2014 2013 2012 ------ ------- ------ (IN MILLIONS) Income tax (expense) benefit: Current (expense) benefit.................. $ (3) $ (90) $ (4) Deferred (expense) benefit................. 8 74 (2) ------ ------- ------ Total........................................ $ 5 $ (16) $ (6) ====== ======= ======
The Federal income taxes attributable to operations are different from the amounts determined by multiplying the earnings (loss), before income taxes by the expected Federal income tax rate of 35%. The sources of the difference and their tax effects are as follows:
2014 2013 2012 ----- ------- ------ (IN MILLIONS) Expected income tax (expense) benefit............. $ 4 $ (15) $ (15) Dividends received deduction...................... 1 1 2 Tax settlement.................................... -- -- 9 Prior year adjustment............................. -- (2) -- Other............................................. -- -- (2) ----- ------- ------ Income Tax (Expense) Benefit...................... $ 5 $ (16) $ (6) ===== ======= ======
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 56 MLOA recognized a tax benefit in 2012 of $9 million related to the settlement with the IRS of the audit for tax years 2004 - 2007. The components of the net deferred income taxes are as follows:
DECEMBER 31, 2014 December 31, 2013 -------------------- ------------------- ASSETS LIABILITIES Assets Liabilities -------- ----------- ------- ----------- (IN MILLIONS) Reserves and reinsurance...... $ 105 $ -- $ 77 $ -- DAC........................... -- 78 -- 56 VOBA.......................... -- 3 -- 6 Investments................... -- 18 -- 13 Goodwill and other intangible assets...................... -- 9 -- 9 Other......................... -- 8 -- 7 -------- -------- ------- ------- Total......................... $ 105 $ 116 $ 77 $ 91 ======== ======== ======= =======
MLOA does not provide income taxes on the undistributed earnings related to its investment in AllianceBernstein units except to the extent that such earnings are not permanently invested outside the United States. As of December 31, 2014, $8 million of accumulated undistributed earnings related to its investment in AllianceBernstein units were permanently invested outside the United States. At existing applicable income tax rates, additional taxes of approximately $3 million would need to be provided if such earnings were remitted. At December 31, 2014 and 2013, of the total amount of unrecognized tax benefits, $6 million and $5 million, respectively, would affect the effective tax rate. MLOA recognizes accrued interest and penalties related to unrecognized tax benefits in tax (expense) benefit. Interest and penalties included in the amounts of unrecognized tax benefits at December 31, 2014 and 2013 were $0 million and $0 million, respectively. Tax (expense) benefit for 2014 reflected a benefit of $0 million in interest expense related to unrecognized tax benefits. A reconciliation of unrecognized tax benefits (excluding interest and penalties) follows:
2014 2013 2012 ----- ----- ----- (IN MILLIONS) Balance, beginning of year................... $ 5 $ 4 $ 17 Additions for tax positions of prior years... 1 1 1 Reductions for tax positions of prior years.. -- -- (2) Settlements with tax authorities............. -- -- (12) ----- ----- ----- Balance, End of Year......................... $ 6 $ 5 $ 4 ===== ===== =====
In 2012, the IRS concluded its examination of the tax returns of MONY Life and its subsidiaries from the date of its acquisition by AXA Financial in 2004 through 2007. The completion of this examination resulted in the release of $12 million of unrecognized tax benefits for MLOA. It is reasonably possible that the total amounts of unrecognized tax benefits will change within the next 12 months. The possible change in the amount of unrecognized tax benefits cannot be estimated at this time. 10)ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) AOCI represents cumulative gains (losses) on investments that are not reflected in earnings (loss). The balances for the past three years follow:
DECEMBER 31, ------------------- 2014 2013 2012 ------ ----- ------ (IN MILLIONS) Unrealized gains (losses) on investments, net of adjustments......................... $ 17 $ 8 $ 82 ------ ----- ------ Total Accumulated Other Comprehensive Income (Loss)..................................... $ 17 $ 8 $ 82 ====== ===== ======
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 57 The components of OCI for the past three years follow:
DECEMBER 31, ----------------------- 2014 2013 2012 ------ ------- ------ (IN MILLIONS) Change in net unrealized gains (losses) on investments: Net unrealized gains (losses) arising during the year............................................... $ 11 $ (58) $ 28 (Gains) losses reclassified into net earnings (loss) during the year/(1)/........................ 7 (44) 3 ------ ------- ------ Change in net unrealized gains (losses) on investments 18 (102) 31 Adjustments for DAC, VOBA and Other................... (9) 28 (4) ------ ------- ------ Other Comprehensive Income (Loss), net of adjustments and (net of deferred income tax expense (benefit) of $(5) million, $40 million and $(15) million...... $ 9 $ (74) $ 27 ====== ======= ======
/(1)/See "Reclassification adjustments" in Note 3. Reclassification amounts presented net of income tax expense (benefit) of $(6) million, $24 million and $(2) million for 2014, 2013 and 2012, respectively. Investment gains and losses reclassified from AOCI to net earnings (loss) primarily consist of realized gains (losses) on sales and OTTI of AFS securities and are included in Total investment gains (losses), net on the statements of earnings (loss). Amounts presented in the table above are net of tax. 11)LITIGATION MLOA is involved in various legal actions and proceedings in connection with its business. Some of the actions and proceedings have been brought on behalf of various alleged classes of claimants and certain of these claimants seek damages of unspecified amounts. While the ultimate outcome of such matters cannot be predicted with certainty, in the opinion of management no such matter is likely to have a material adverse effect on MLOA's financial position or results of operations. However, it should be noted that the frequency of large damage awards, including large punitive damage awards that bear little or no relation to actual economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an unpredictable judgment in any given matter. 12)STATUTORY FINANCIAL INFORMATION MLOA is restricted as to the amounts it may pay as dividends to AEFS. Under Arizona Insurance Law, a domestic life insurer may, without prior approval of the Superintendent, pay a dividend to its shareholder not exceeding an amount calculated based on a statutory formula. This formula would not permit MLOA to pay shareholder dividends during 2015. For 2014, 2013 and 2012, MLOA's statutory net income (loss) was $12 million, $34 million and $33 million, respectively. Statutory surplus, capital stock and Asset Valuation Reserve ("AVR") totaled $401 million and $367 million at December 31, 2014 and 2013, respectively. There were no shareholder dividends paid to its parent by MLOA in 2014, 2013 and 2012. In 2013 MLOA, utilized a portion of the consideration from the reinsurance agreement with Protective Life to return $200 million of surplus to its parent, AEFS. At December 31, 2014, MLOA, in accordance with various government and state regulations, had $6 million of securities on deposit with such government or state agencies. At December 31, 2014 and for the year then ended, there were no differences in net income (loss) and capital and surplus resulting from practices prescribed and permitted by the State of Arizona Insurance Department (the "AID") and those prescribed by NAIC Accounting Practices and Procedures effective at December 31, 2014. Accounting practices used to prepare statutory financial statements for regulatory filings of stock life insurance companies differ in certain instances from U.S. GAAP. The differences between statutory surplus and capital stock determined in accordance with Statutory Accounting Principles ("SAP") and total shareholder's equity under U.S. GAAP are primarily: (a) the inclusion in SAP of an AVR intended to stabilize surplus from fluctuations in the value of the investment portfolio; (b) future policy benefits and policyholders' account balances under SAP differ from U.S. GAAP due to differences between actuarial assumptions and reserving methodologies; (c) certain policy acquisition costs are expensed under SAP but deferred under U.S. GAAP and amortized over future periods to achieve a matching of revenues and expenses; (d) under SAP, Federal income taxes are provided on the basis of amounts currently payable with limited recognition of deferred tax assets while under U.S. GAAP, deferred taxes are recorded for temporary differences between the financial statements and tax basis of assets and APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 58 liabilities where the probability of realization is reasonably assured; (e) the valuation of assets under SAP and U.S. GAAP differ due to different investment valuation and depreciation methodologies, as well as the deferral of interest-related realized capital gains and losses on fixed income investments; (f) the valuation of the investment in Alliance Units under SAP reflects a portion of the market value appreciation rather than the equity in the underlying net assets as required under U.S. GAAP; (g) computer software development costs are capitalized under U.S. GAAP but expensed under SAP; (h) certain assets, primarily pre-paid assets, are not admissible under SAP but are admissible under U.S. GAAP (i) the fair valuing of all acquired assets and liabilities including VOBA assets required for U.S. GAAP purchase accounting and (j) cost of reinsurance is recognized as expense under SAP and amortized over the life of the underlying reinsured policies under U.S. GAAP. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 59 SELECTED FINANCIAL DATA The following selected financial data have been derived from MLOA's audited financial statements. The statements of earnings (loss) for the years ended December 31, 2014, 2013 and 2012, and the balance sheet data at December 31, 2014 and 2013 have been derived from MLOA's audited financial statements included elsewhere herein. The statements of earnings (loss) for the years ended December 31, 2011 and 2010, and the balance sheet data at December 31, 2012, 2011 and 2010 have been derived from MLOA's previously reported audited financial statements not included herein. This selected financial data should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and the financial statements and related notes included elsewhere herein.
YEARS ENDED DECEMBER 31, --------------------------------------- 2014 2013 2012 2011 2010 ------ ------ ------ ------ ------- (IN MILLIONS) STATEMENTS OF EARNINGS (LOSS) DATA: ----------------------------------- REVENUES: Universal life and investment-type product policy fee income........................ $ 91 $ 131 $ 117 $ 123 $ 122 Premiums........................... 1 25 32 42 39 Net investment income (loss): Investment income (loss) from derivatives....................... 13 8 -- -- -- Other investment income (loss)..... 37 84 110 116 119 ------ ------ ------ ------ ------- Net investment income (loss)...... 50 92 110 116 119 Investment gains (losses), net: Total other-than-temporary impairment losses............... (10) (6) (7) (2) (56) Portion of loss recognized in other comprehensive income (loss).......................... -- -- -- -- 2 ------ ------ ------ ------ ------- Net impairment losses recognized.................... (10) (6) (7) (2) (54) Other investment gains (losses), net................... 4 74 2 1 6 ------ ------ ------ ------ ------- Total investment gains (losses), net................. (6) 68 (5) (1) (48) ------ ------ ------ ------ ------- Equity in earnings (loss) of AllianceBernstein................. 1 5 2 (2) 4 Other income (loss)................ 8 5 5 6 4 Increase (decrease) in the fair value of the reinsurance contract asset.................... -- (7) (2) 7 1 ------ ------ ------ ------ ------- Total revenues.................. 145 319 259 291 241 ------ ------ ------ ------ ------- BENEFITS AND OTHER DEDUCTIONS: Policyholders' benefits............ 31 78 103 96 93 Interest credited to policyholders' account balances... 39 65 61 61 68 Compensation and benefits.......... 29 32 25 30 32 Commissions........................ 73 80 38 33 27 Interest expense................... -- -- -- -- 1 Amortization of deferred policy acquisition costs and value of business acquired................. 14 21 (27) (12) 41 Capitalization of deferred policy acquisition costs.......... (78) (81) (31) (25) (21) Amortization of deferred cost of reinsurance....................... 8 4 -- -- -- Rent expense....................... 2 2 2 3 3 Other operating costs and expenses.......................... 37 74 44 29 27 ------ ------ ------ ------ ------- Total benefits and other deductions...................... 155 275 215 215 271 ------ ------ ------ ------ ------- Earnings (loss), before income taxes.............................. (10) 44 44 76 (30) Income tax benefit (expense)......... 5 (16) (6) 1 11 ------ ------ ------ ------ ------- Net Earnings (Loss).................. $ (5) $ 28 $ 38 $ 77 $ (19) ====== ====== ====== ====== =======
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 60
DECEMBER 31, --------------------------------------------------- 2014 2013 2012 2011 2010 ---------- -------- ---------- --------- ---------- (IN MILLIONS) BALANCE SHEET DATA: ------------------- Total Investments................................. $ 1,119 $ 967 $ 2,279 $ 2,299 $ 2,251 Separate Accounts assets.......................... 1,810 1,839 1,640 1,604 1,840 Total Assets...................................... 4,700 4,598 4,588 4,408 4,603 Policyholders' account balances................... 1,919 1,777 1,615 1,608 1,664 Future policy benefits and other policyholders liabilities 389 323 397 380 374 Separate Accounts liabilities..................... 1,810 1,839 1,640 1,604 1,840 Total liabilities................................. 4,200 4,104 3,847 3,733 4,016 Total shareholder's equity........................ 500 494 741 675 587
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 61 MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS THE FOLLOWING MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS ("MD&A") FOR MONY LIFE INSURANCE COMPANY OF AMERICA ("MLOA") SHOULD BE READ IN CONJUNCTION WITH "RISK FACTORS," "SELECTED FINANCIAL DATA" AND THE FINANCIAL STATEMENTS AND RELATED NOTES TO FINANCIAL STATEMENTS INCLUDED ELSEWHERE HEREIN. FORWARD LOOKING INFORMATION This document contains "forward-looking statements" that anticipate results based on our estimates, assumptions and plans that are subject to uncertainty. These statements are made subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. We assume no obligation to update any forward-looking statements as a result of new information or future events or developments. These forward-looking statements do not relate strictly to historical or current facts and may be identified by their use of words like "plans," "seeks," "expects," "will," "should," "anticipates," "estimates," "intends," "believes," "likely," "targets" and other words with similar meanings. These statements may address, among other things, our strategy for growth, product development, investment results, regulatory approvals, market position, expenses, financial results, litigation and reserves. We believe that these statements are based on reasonable estimates, assumptions and plans. However, if the estimates, assumptions or plans underlying the forward-looking statements prove inaccurate or if other risks or uncertainties arise, actual results could differ materially from those communicated in these forward-looking statements. In addition to the normal risks of business, we are subject to significant risks and uncertainties, including those listed in the "Risk Factors" section of this report, which apply to us. These risks constitute our cautionary statements under the Private Securities Litigation Reform Act of 1995 and readers should carefully review such cautionary statements as they identify certain important factors that could cause actual results to differ materially from those in the forward-looking statements and historical trends. These cautionary statements are not exclusive and are in addition to other factors discussed elsewhere in this document, in our filings with the Securities and Exchange Commission ("SEC") or in materials incorporated therein by reference. BACKGROUND MLOA, established in the state of Arizona in 1969, is a wholly owned subsidiary of AXA Equitable Financial Services LLC ("AEFS"). MLOA's primary business is to provide life insurance products to both individuals and businesses. MLOA is licensed to sell its products in 49 states (not including New York), the District of Columbia and Puerto Rico. AEFS is an indirect wholly owned subsidiary of AXA Financial and AXA Financial is an indirect wholly owned subsidiary of AXA, a French holding company for an international group of insurance and related financial services companies. For additional information regarding AXA, see "Description of Business -- Parent Company". PROTECTIVE LIFE REINSURANCE AGREEMENT On October 1, 2013, AXA Financial and AEFS completed the sale of the stock of MONY Life Insurance Company ("MONY Life") and the reinsurance of an in-force book of life insurance and annuity policies written primarily prior to 2004 by MLOA to Protective Life Insurance Company ("Protective Life"). Prior to closing the transaction, MONY Life's subsidiaries, including MLOA, were distributed to AEFS. MLOA transferred and ceded assets to Protective Life equal to $1,308 million, net of ceding commission of $370 million in consideration of the transfer of liabilities amounting to $1,374 million in connection with the reinsurance agreement. As a result of the reinsurance agreement MLOA recorded a deferred cost of reinsurance asset amounting to $83 million which is amortized over the life of the underlying reinsured policies. OVERVIEW EARNINGS. MLOA's business results of operations are materially affected by conditions in the capital markets and the economy, generally. MLOA's net loss for 2014 was $5 million. See "Results of Operations" below for a discussion of MLOA's Earnings. SALES. Life insurance first year premiums and deposits by MLOA increased by $3 million, or 1.5% from 2013, primarily due to higher sales of indexed life insurance products in the retail channel. In 2014, strong sales of MLOA's BrightLife(R) universal life product were partially offset by lower sales of other indexed and variable universal life products. BRANDING. In 2014, in furtherance of our strategy, AXA Financial rolled out a branding initiative intended to help AXA Financial Group companies enhance their brand identity in the marketplace by using the name "AXA" as the single brand for AXA Financial's advice, APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 62 retirement and life insurance lines of business. AXA Financial believes that simplifying its brand in the U.S. marketplace will emphasize its strategic transformation in the U.S., enhance its prominence in the U.S. life insurance marketplace and enable a more seamless global brand. MLOA further believes that the AXA brand is a more digitally friendly brand name allowing customers an easier way to find us, connect with us and do business with us. CRITICAL ACCOUNTING ESTIMATES MLOA's MD&A is based upon its financial statements that have been prepared in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP"). The preparation of these financial statements requires the application of accounting policies that often involve a significant degree of judgment, requiring management to make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Management, on an ongoing basis, reviews and evaluates the estimates and assumptions used in the preparation of the financial statements, including those related to investments, recognition of insurance income and related expenses, DAC and value of business acquired ("VOBA") and future policy benefits. MLOA bases its estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances. The results of such factors form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. If management determines that modifications in assumptions and estimates are appropriate given current facts and circumstances, the results of operations and financial position as reported in the Financial Statements could change significantly. Management believes the critical accounting policies relating to the following areas are most dependent on the application of estimates, assumptions and judgments: . Revenue Recognition . Insurance Reserves and Policyholder Benefits . DAC and VOBA . Benefit plan costs . Share-based and Other Compensation Programs . Investments -- Impairments and Fair Value Measurements . Income Taxes REVENUE RECOGNITION Prior to the reinsurance agreement with Protective Life, profits on non-participating traditional life policies and annuity contracts with life contingencies emerged from the matching of benefits and other expenses against the related premiums. Profits on universal life-type and investment-type contracts emerge from the matching of benefits and other expenses against the related contract margins after the impacts of reinsurance ceded. This matching was accomplished by means of the provision for liabilities for future policy benefits and the deferral, and subsequent amortization, of policy acquisition costs. Trends in the general population and MLOA's own mortality, morbidity, persistency and claims experience, net of reinsurance, have a direct impact on the benefits and expenses reported in any given period. INSURANCE RESERVES AND POLICYHOLDER BENEFITS NON-PARTICIPATING TRADITIONAL LIFE POLICIES The future policy benefit reserves for non-participating traditional life insurance policies relate primarily to non-participating term life products and are calculated using a net level premium method equal to the present value of expected future benefits plus the present value of future maintenance expenses less the present value of future net premiums. The expected future benefits and expenses are determined using actuarial assumptions as to mortality, persistency and interest established at policy issue. Reserve assumptions established at policy issue reflect best estimate assumptions based on MLOA's experience that, together with interest and expense assumptions, include a margin for adverse deviation. Mortality assumptions are reviewed annually and are generally based on MLOA's historical experience or standard industry tables, as applicable; expense assumptions are based on current levels of maintenance costs, adjusted for the effects of inflation; and interest rate assumptions are based on current and expected net investment returns. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 63 UNIVERSAL LIFE AND INVESTMENT-TYPE CONTRACTS Policyholders' account balances for UL and investment-type contracts represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals. MLOA had issued certain variable annuity products with guaranteed minimum death benefit ("GMDB") and guaranteed minimum income benefit ("GMIB") features. The GMDB feature provided that in the event of an insured's death, the beneficiary would receive the higher of the current contract account balance or another amount defined in the contract. The GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuity based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates applied to a guaranteed minimum income benefit base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions related to contractholder behavior and mortality are updated when a material change in behavior or mortality experience is observed in an interim period. SENSITIVITY OF FUTURE RATE OF RETURN ASSUMPTIONS ON GMDB/GMIB RESERVES The future rate of return assumptions used in establishing reserves for GMDB and GMIB features regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expected average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. For additional information regarding the future expected rate of return assumptions and the reversion to the mean approach, see, "-- DAC and VOBA". The GMDB/GMIB reserve balance before reinsurance ceded was $6 million ($0 net of reinsurance) at December 31, 2014. Given that 100% of the GMDB/GMIB reserve balance is ceded, the sensitivity risk of any increase or decrease in interest rates is transferred to the reinsurer. REINSURANCE Reinsurance recoverable balances are calculated using methodologies and assumptions that are consistent with those used to calculate the direct liabilities. DEFERRED COST OF OR GAIN ON REINSURANCE The cost of or gain on reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying policies, see Note 2 of Financial Statements, net of the ceded commission received is deferred and amortized over the lives of the underlying policies. DAC AND VOBA Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting incremental direct costs of contract acquisition with independent third parties or employees that are essential to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully negotiated contracts including commissions, underwriting, agency and policy issue expenses, are deferred. Depending on the type of contract, DAC is amortized over the expected total life of the contract group, based on MLOA's estimates of the level and timing of gross margins, gross profits or assessments, or anticipated premiums. In calculating DAC amortization, management is required to make assumptions about investment results including hedging costs, Separate Account performance, Separate Account fees, mortality and expense margins, lapse rates and anticipated surrender charges that impact the estimates of the level and timing of estimated gross profits or assessments, margins and anticipated future experience. VOBA, which arose from MLOA's acquisition by AXA Financial, was established in accordance with purchase accounting guidance for business combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. DAC and VOBA are amortized over the expected life of the contracts (up to 50 years from date of issue) according to the type of contract using the methods described below as applicable. DAC and VOBA are subject to loss recognition testing at the end of each accounting period. As a result of the reinsurance agreement, effective October 1, 2013, with Protective Life, $188 million of DAC and VOBA amortization was accelerated, which is included in the deferred cost of reinsurance. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 64 UNIVERSAL LIFE AND INVESTMENT-TYPE CONTRACTS DAC and VOBA associated with UL and investment-type products, are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based on historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated assessments. The effect on the amortization of DAC of revisions to estimated gross profits or assessments is reflected in earnings (loss) in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or assessments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losses) is recognized with an offset to accumulated other comprehensive income (loss) ("AOCI") in shareholder's equity as of the balance sheet date. Quarterly adjustments to the DAC and VOBA balances are made for current period experience and market performance related adjustments, and the impact of reviews of estimated total gross profits. The quarterly adjustments for current period experience reflect the impact of differences between actual and previously estimated expected gross profits for a given period. Total estimated gross profits include both actual experience and estimates of gross profits for future periods. To the extent each period's actual experience differs from the previous estimate for that period, the assumed level of total gross profits may change. In these cases, cumulative adjustment to all previous periods' costs is recognized. During each accounting period, the DAC and VOBA balances are evaluated and adjusted with a corresponding charge or credit to current period earnings for the effects of MLOA's actual gross profits and changes in the assumptions regarding estimated future gross profits. A decrease in expected gross profits or assessments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losses) is recognized with an offset to AOCI in shareholder's equity as of the balance sheet date. For the variable and UL policies a significant portion of the gross profits is derived from mortality margins and therefore, are significantly influenced by the mortality assumptions used. Mortality assumptions represent the Company's expected claims experience over the life of these policies and are based on a long-term average of actual company experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, deterioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years. However, changes to the mortality assumptions in future periods could have a significant adverse or favorable effect on the results of operations. PREMIUM DEFICIENCY RESERVES AND LOSS RECOGNITION TESTS After the initial establishment of reserves, premium deficiency and loss recognition tests are performed using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC and VOBA would first be written off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings (loss). SENSITIVITY OF DAC AND VOBA TO CHANGES IN FUTURE MORTALITY ASSUMPTIONS The variable and UL policies DAC and VOBA balance was $299 million at December 31, 2014. The following table demonstrates the sensitivity of the DAC and VOBA balance relative to future mortality assumptions by quantifying the adjustments that would be required, assuming an increase and decrease in the future mortality rate by 1%. This information considers only the direct effect of changes in the mortality assumptions on the DAC and VOBA balance and not changes in any other assumptions used in the measurement of the DAC and VOBA balance and does not assume changes in reserves. DAC AND VOBA SENSITIVITY -- MORTALITY DECEMBER 31, 2014
INCREASE/ (REDUCTION) IN DAC AND VOBA ------------- (IN MILLIONS) Decrease in future mortality by 1%.............................. $ 1 Increase in future mortality by 1%.............................. (1)
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 65 SENSITIVITY OF DAC AND VOBA TO CHANGES IN FUTURE RATE OF RETURN ASSUMPTIONS A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account balances, increase the fees earned resulting in higher expected future gross profits and lower DAC amortization for the period. The opposite occurs when returns are lower than expected. In applying this approach to develop estimates of future returns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return estimate is measured from December 31, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At December 31, 2014, the average gross short-term and long-term annual return estimate on variable and interest-sensitive life insurance was 9.0% (7.00% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were 15.0% (13.00% net of product weighted average Separate Account fees) and 0.0% (-2.00% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in future periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions. If actual market returns continue at levels that would result in assuming future market returns of 15.0% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in assumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At December 31, 2012, current projections of future average gross market returns assume a 0.0% annualized return for the next eight quarters, which is within the maximum and minimum limitations, grading to a reversion to the mean of 9.0% in ten quarters. Other significant assumptions underlying gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread. The following table provides an example of the sensitivity of that DAC and VOBA balance relative to future return assumptions by quantifying the adjustments to the DAC and VOBA balance that would be required assuming both an increase and decrease in the future rate of return by 1%. This information considers only the effect of changes in the future Separate Account rate of return and not changes in any other assumptions used in the measurement of the DAC and VOBA balance. DAC AND VOBA SENSITIVITY -- RATE OF RETURN DECEMBER 31, 2014
INCREASE/(REDUCTION) IN DAC AND VOBA ----------------------- (IN MILLIONS) Decrease in future rate of return by 1%............... $ (2) Increase in future rate of return by 1%............... 2
BENEFIT PLAN COSTS Although MLOA has no employees, under service agreements with affiliates, MLOA is charged for services, including personnel services that include a component related to employee benefits (see Note 7 of Notes to Financial Statements). Net periodic pension cost is the aggregation of the compensation cost of benefits promised, interest cost resulting from deferred payment of those benefits, and investment results of assets dedicated to fund those benefits. Each component of net periodic pension benefits cost is based on the affiliated company's best estimate of long-term actuarial and investment return assumptions and consider, as appropriate, an assumed discount rate, an expected rate of return on plan assets, inflation costs, expected increases in compensation levels and trends in health care costs. Of these assumptions, the discount rate and expected rate of return assumptions generally have the most significant impact on the resulting net periodic cost associated with these plans. Actual experience different from that assumed generally is recognized prospectively over future periods; however, significant variances could result in immediate recognition of net periodic cost or benefit if they exceed certain prescribed thresholds or in conjunction with a reconsideration of the related assumptions. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 66 SHARE-BASED AND OTHER COMPENSATION PROGRAMS Although MLOA has no employees, under service agreements with affiliates, MLOA is charged for services, including personnel services that include a component related to employee benefits (see Note 8 of Notes to Financial Statements). AXA and AXA Financial Group sponsor various share-based compensation plans for eligible employees and associates. Compensation expense related to these awards is measured based on the estimated fair value of the equity instruments issued or the liabilities incurred. AXA Financial Group uses the Black-Scholes option valuation model to determine the grant-date fair values of equity share/unit option awards and similar instruments, requiring assumptions with respect to the expected term of the award, expected price volatility of the underlying share/unit, and expected dividends. These assumptions are significant factors in the resulting measure of fair value recognized over the vesting period and require use of management judgment as to likely future conditions, including employee exercise behavior, as well as consideration of historical and market observable data. INVESTMENTS -- IMPAIRMENTS AND VALUATION ALLOWANCES AND FAIR VALUE MEASUREMENTS MLOA's investment portfolio principally consists of public and private fixed maturities, mortgage loans, derivative financial instruments, including equity options and Units in AllianceBernstein. In applying the Company's accounting policies with respect to these investments, estimates, assumptions, and judgments are required about matters that are inherently uncertain, particularly in the identification and recognition of other-than-temporary impairments ("OTTI"), determination of the valuation allowance for losses on mortgage loans and measurements of fair value. IMPAIRMENTS AND VALUATION ALLOWANCES The assessment of whether OTTIs have occurred is performed quarterly by MLOA's Investment Under Surveillance ("IUS") Committee, with the assistance of its investment advisors, on a security-by-security basis for each available-for-sale fixed maturity and equity security that has experienced a decline in fair value for purpose of evaluating the underlying reasons. The analysis begins with a review of gross unrealized losses by the following categories of securities: (i) all investment grade and below investment grade fixed maturities for which fair value has declined and remained below amortized cost by 20% or more; and (ii) below-investment-grade fixed maturities for which fair value has declined and remained below amortized cost for a period greater than 12 months. Integral to the analysis is an assessment of various indicators of credit deterioration to determine whether the investment security is expected to recover, including, but not limited to, consideration of the duration and severity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued viability of the issuer and, for equity securities only, the intent and ability to hold the investment until recovery, resulting in identification of specific securities for which OTTI is recognized. If there is no intent to sell or likely requirement to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings and the remainder of the fair value loss is recognized in other comprehensive income (loss) ("OCI"). The amount of credit loss is the shortfall of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management's best estimate of projected future cash flows at the effective interest rate implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of management judgment and consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments and underlying collateral value. Mortgage loans also are reviewed quarterly by the IUS Committee for impairment on a loan-by-loan basis, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mortgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages also is identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to comply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property. For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending process. The allowance includes loan specific reserves for loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contractual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on the Company's assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are recorded based on the present value of expected future cash flows discounted at the loan's effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decrease from period to period based on such factors. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 67 FAIR VALUE MEASUREMENTS Investments reported at fair value in the balance sheets of MLOA include fixed maturity securities classified as available-for-sale ("AFS"). In addition, exposure in certain variable life products issued by MLOA are considered embedded derivatives and reported at fair value. When available, the estimated fair value of securities is based on quoted prices in active markets that are readily and regularly obtainable; these generally are the most liquid holdings and their valuation does not involve management judgment. When quoted prices in active markets are not available, MLOA estimates fair value based on market standard valuation methodologies, including discounted cash flow methodologies, matrix pricing, or other similar techniques. For securities with reasonable price transparency, the significant inputs to these valuation methodologies either are observable in the market or can be derived principally from or corroborated by observable market data. When the volume or level of activity results in little or no price transparency, significant inputs no longer can be supported by reference to market observable data but instead must be based on management's estimation and judgment. As required by the accounting guidance, MLOA categorizes its assets and liabilities measured at fair value into a three-level hierarchy, based on the priority of the inputs to the respective valuation technique, giving the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). For additional information regarding the key estimates and assumptions surrounding the determinations of fair value measurements, see Note 5 to the Financial Statements -- Fair Value Disclosures. INCOME TAXES Income taxes represent the net amount of income taxes that MLOA expects to pay to or receive from various taxing jurisdictions in connection with its operations. MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabilities. Deferred tax assets and liabilities are measured at the balance sheet date using enacted tax rates expected to apply to taxable income in the years the temporary differences are expected to reverse. The realization of deferred tax assets depends upon the existence of sufficient taxable income within the carry forward periods under the tax law in the applicable jurisdiction. Valuation allowances are established when management determines, based on available information, that it is more likely than not that deferred tax assets will not be realized. Management considers all available evidence including past operating results, the existence of cumulative losses in the most recent years, forecasted earnings, future taxable income and prudent and feasible tax planning strategies. MLOA's accounting for income taxes represents management's best estimate of the tax consequences of various events and transactions. Significant management judgment is required in determining the provision for income taxes and deferred tax assets and liabilities and in evaluating MLOA's tax positions including evaluating uncertainties under the guidance for Accounting for Uncertainty in Income taxes. Under the guidance, MLOA determines whether it is more-likely-than-not that a tax position will be sustained upon examination by the appropriate taxing authorities before any part of the benefit can be recorded in the financial statements. Tax positions are then measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon settlement. MLOA's tax positions are reviewed quarterly and the balances are adjusted as new information becomes available. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 68 RESULTS OF OPERATIONS The earnings narratives that follow discuss the results for 2014 compared to 2013's results, followed by the results for 2013 compared to 2012's results. MONY LIFE INSURANCE COMPANY OF AMERICA RESULTS OF OPERATIONS
2014 2013 2012 ------- ------- -------- (IN MILLIONS) REVENUES Universal life and investment-type product policy fee income.......................... $ 91 $ 131 $ 117 Premiums..................................... 1 25 32 Net investment income (loss): Investment income (loss) from derivatives instruments............................... 13 8 -- Other investment income (loss)............. 37 84 110 ------- ------- -------- Total Net investment income (loss)........ 50 92 110 Investment gains (losses), net: Total other-than-temporary impairment losses.................................... (10) (6) (7) Portion of loss recognized in other comprehensive income (loss)............... -- -- -- ------- ------- -------- Net impairment losses recognized........... (10) (6) (7) Other investment gains (losses), net....... 4 74 2 ------- ------- -------- Total investment gains (losses), net...... (6) 68 (5) ------- ------- -------- Equity in earnings (loss) of AllianceBernstein.......................... 1 5 2 Other income (loss).......................... 8 5 5 Increase (decrease) in the fair value of the reinsurance contract....................... -- (7) (2) ------- ------- -------- Total revenues............................ 145 319 259 ------- ------- -------- BENEFITS AND OTHER DEDUCTIONS Policyholders' benefits...................... 31 78 103 Interest credited to policyholders' account balances................................... 39 65 61 Compensation and benefits.................... 29 32 25 Commissions.................................. 73 80 38 Amortization of deferred policy acquisition costs and value of business acquired....... 14 21 (27) Capitalization of deferred policy acquisition costs.......................... (78) (81) (31) Amortization of deferred costs of reinsurance 8 4 -- Rent expense................................. 2 2 2 Other operating costs and expenses........... 37 74 44 ------- ------- -------- Total benefits and other deductions....... 155 275 215 ------- ------- -------- Earnings (loss) before income taxes.......... (10) 44 44 Income tax (expense) benefit................. 5 (16) (6) ------- ------- -------- Net Earnings (Loss).......................... $ (5) $ 28 $ 38 ======= ======= ========
YEAR ENDED DECEMBER 31, 2014 COMPARED TO YEAR ENDED DECEMBER 31, 2013 In 2014, the $33 million decrease in net earnings from net earnings (loss) of $28 million in 2013 to a net loss of $5 million was primarily due to the absence of certain 2013 transactions resulting from the reinsurance transaction with Protective Life, including, a $74 million realized investment gain resulting from the assets transferred to Protective Life, this realized gain was partially offset by a $20 million donation to the AXA Foundation and $11 million of transaction and transition costs. Other factors leading to the decrease in earnings were the impact of higher death claims for retained MLOA business and one-time assumption updates in the amortization of DAC and VOBA. These decreases were partially offset by higher policy fee income. Income tax benefit was $5 million in 2014 as compared to the tax expense of $16 million in 2013. The $21 million lower income tax expense was primarily related to $10 million of pre-tax losses in 2014 compared to $44 million of pre-tax earnings in 2013. Earnings (loss) before income taxes were $(10) million in 2014 and $44 million in 2013, respectively. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 69 REVENUES. Total revenues in 2014 decreased $174 million to $145 million from $319 million in 2013. The decrease was primarily due to the absence of $130 million of revenues included in the 2013 results for the portion of the business reinsured to Protective Life and the absence of a $74 million realized investment gain for the assets transferred to Protective Life upon the completion of the reinsurance transaction. For the portion of the business not reinsured to Protective Life, there was an increase in universal life and investment-type product policy fee income and higher investment income from derivative instruments. Universal life and investment-type product policy fee income decreased $40 million in 2014 to $91 million from $131 million in 2013 primarily due the absence of $62 million of universal life and investment-type product policy fee income included in the 2013 results for the portion of the business reinsured to Protective Life. Partially offsetting the decrease were higher fees earned on higher indexed universal life insurance product account balances. Premiums totaled $1 million in 2014, a decrease of $24 million from $25 million in 2013 primarily related to the absence of $23 million of premiums included in 2013 results for the portion of business reinsured to Protective Life. Net investment income decreased $42 million in 2014 to $50 million from $92 million in 2013 principally due to the absence of $48 million of investment income included in the 2013 results from the assets transferred to Protective Life. Partially offsetting these decreases were $5 million higher investment income from derivative instruments supporting the MSO in MLOA's variable life insurance products and indexed universal life products. Investment gains (losses), net decreased $74 million in 2014 to a loss of $6 million from a gain of $68 million in 2013 primarily due to the absence of a $74 million of realized gain on the transfer of assets to Protective Life resulting from the reinsurance agreement and $4 million higher impairments of fixed maturities, primarily CMBS securities, partially offset by $3 million of gains on pre-payments of mortgage loans on real estate. Increase (decrease) in the fair value of the reinsurance contract asset decreased $7 million in 2014 to $0 million from $7 million in 2013. The 2013 decrease reflected the impacts of the market conditions through September 30, 2013. As a result of reinsuring 100% of the risk of GMIB liabilities to Protective Life, the GMIB ceded liabilities are no longer considered an embedded derivative resulting in the write off of the remaining $2 million balance of the asset at September 30, 2013 in fourth quarter 2013. BENEFITS AND OTHER DEDUCTIONS. Total benefits and other deductions totaled $155 million in 2014, a decrease of $120 million from $275 million in 2013. The decrease was primarily due to the absence of $126 million of total benefits and deductions included in the 2013 results from the business reinsured to Protective Life, a $20 million donation to the AXA Foundation and $11 million of one-time transaction transition related costs in 2013 related to the reinsurance agreement with Protective Life. These decreases were partially offset by $16 million of higher policyholders' benefits and $10 million higher amortization of DAC and VOBA for the business retained. Policyholders' benefits decreased $47 million in 2014 to $31 million from $78 million in 2013 primarily due to the absence of $63 million of policyholders included in the 2013 results for the portion of the business reinsured to Protective Life. Partially offsetting these benefit decreases were $17 million higher death claims for the retained business in 2014 as a result of a few large death claims and unfavorable mortality experience for indexed universal life and corporate owned life insurance ("COLI") products. Compensation and benefits expense decreased $3 million to $29 million in 2014 from $32 million in 2013 due to lower allocated salary and stock option expenses. Commissions decreased $7 million in 2014 to $73 million from $80 million in 2013 due to lower first year recurring sales DAC and VOBA amortization in 2014 was $14 million reflecting $10 million of updates primarily relating to updating the projected cost of reinsurance for COLI and business owned life insurance ("BOLI") lines of business based on an updated study, and $4 million of baseline amortization. DAC and VOBA amortization in 2013 was $21 million reflecting $17 million of amortization related to the business reinsured to Protective Life and $4 million of baseline amortization. DAC capitalization totaled $78 million in 2014, a decrease of $3 million from the $81 million reported in 2013. The decrease was primarily due to $10 million lower deferrable commissions partially offset by $7 million higher deferrable expenses. Other operating costs and expenses, totaled $37 million in 2014, a decrease of $37 million from the $74 million reported in 2013. The decrease was primarily due to the absence of a $20 million donation from MLOA to the AXA Foundation from the consideration received from Protective Life, $15 million of expenses included in the 2013 results related to the portion of business reinsured to Protective Life and $11 million of allocated transaction and transition costs related to the reinsurance agreement with Protective Life. Partially offsetting these decreases were $6 million of expenses related to the administrative service agreement with Protective Life. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 70 YEAR ENDED DECEMBER 31, 2013 COMPARED TO YEAR ENDED DECEMBER 31, 2012 Net earnings (loss) were $28 million in 2013, a decrease of $10 million from net earnings (loss) of $38 million in 2012, primarily related to $48 million higher amortization of DAC and VOBA, $42 million higher commission expense, $30 million higher other operating costs and expenses and $26 million lower net investment income and higher income tax expense partially offset by $73 million higher realized gains, $50 million higher capitalization of DAC, $25 million lower future policyholders' benefits and $14 million higher universal life and investment products policy fee income. Income tax expense was $16 million in 2013 as compared to $6 million in 2012. The $10 million higher income tax expense was primarily related to the absence of the income tax benefit from the 2012 settlement of refund claims for tax years 2004-2007. Earnings (loss) before income taxes were $44 million in both 2013 and 2012. REVENUES. Total revenues in 2013 increased $60 million to $319 million from $259 million in 2012, primarily due to higher investment gains (losses), net and higher universal life and investment-type product policy fee income offset by the decrease in the fair value of the reinsurance contract asset and lower investment income. Universal life and investment-type product policy fee income increased $14 million in 2013 to $131 million from $117 million in 2012 primarily due to higher fees earned on higher Separate Account balances and $5 million higher release of the initial fee liability. Premiums totaled $25 million in 2013, a decrease of $7 million from $32 million in 2012 primarily related to higher premiums ceded partially offset by higher first year premiums. Net investment income decreased $18 million in 2013 to $92 million from $110 million in 2012 principally due to assets transferred to Protective Life and lower investment income on fixed maturities reflecting lower yields and lower investment income from mortgage loans on real estate reflecting the impact of MLOA's sale of its entire portfolio of agricultural mortgage loans to AXA Equitable in August of 2012 partially offset by income from derivatives reflecting increased use of equity options to hedge the crediting rate exposure of some insurance products. Investment gains (losses), net increased $73 million in 2013 to $68 million from a loss of $(5) million in 2012 primarily due to $75 million of realized gains on the transfer of assets to Protective Life resulting from the reinsurance agreement. Increase (decrease) in the fair value of the reinsurance contract asset decreased $5 million in 2013 to a decrease of $7 million from $2 million in 2012. The 2013 decrease reflected the impacts of the market conditions through September 30, 2013. As a result of reinsuring 100% of the risk of GMIB liabilities to Protective Life, the GMIB ceded liabilities are no longer considered an embedded derivative resulting in the write off of the remaining $2 million balance of the asset at September 30, 2013 in fourth quarter 2013. The 2012 decrease reflected existing market conditions and assumption changes. BENEFITS AND OTHER DEDUCTIONS. Total benefits and other deductions totaled $275 million in 2013, an increase of $60 million from $215 million in 2012, primarily due to higher DAC and VOBA amortization, and higher operating costs and expenses partially offset decreases in policyholder benefits in 2013. Policyholders' benefits decreased $25 million in 2013 to $78 million from $103 million in 2012 primarily due to $22 million lower death claims (including $12 million ceded to Protective) and by $3 million lower payments on supplementary contracts with life contingencies (including $3 million ceded to Protective). Compensation and benefits expense increased $7 million to $32 million in 2013 from $25 million in 2012 due to higher allocated compensation. Commissions increased $42 million in 2013 to $80 million from $38 million in 2012 due to higher first year sales as a result of AXA Financial Group's strategy to issue most of its indexed life sales outside of New York through MLOA instead of AXA Equitable. DAC and VOBA amortization in 2013 was $21 million reflecting higher baseline amortization as a result of higher sales. The 2012 $27 million negative DAC and VOBA amortization resulted from updated expectations of lower future mortality assumptions and better lapse experience in annuities and interest sensitive-life products. DAC capitalization totaled $81 million in 2013, an increase of $50 million from the $31 million reported in 2012. The increase was primarily due to $41 million higher deferrable commissions on higher sales of MLOA's indexed life products and $9 million higher deferrable expenses. Other operating costs and expenses, totaled $74 million in 2013, an increase of $30 million from the $44 million reported in 2012. The increase was primarily due to a $20 million donation from MLOA to the AXA Foundation from the consideration received from Protective Life and $11 million of allocated transaction and transition costs related to the reinsurance agreement with Protective Life. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 71 PREMIUMS AND DEPOSITS As part of AXA Financial's ongoing efforts to efficiently manage capital amongst its insurance subsidiaries, improve the quality of the product line-up of its insurance subsidiaries and enhance the overall profitability of AXA Financial Group, most sales of indexed life insurance to policyholders located outside of New York are being issued through MLOA instead of AXA Equitable. It is expected that AXA Financial will continue to issue newly developed life insurance products which are issued to policyholders located outside of New York through MLOA instead of AXA Equitable. Since future decisions regarding product development depend on factors and considerations not yet known, management is unable to predict the extent to which we will offer other products in the future. The following table lists the sales for major insurance product lines for 2014, 2013 and 2012. Premiums and deposits are presented net of internal conversions and are presented net of reinsurance ceded. PREMIUMS AND DEPOSITS
2014 2013 2012 --------- --------- --------- (IN MILLIONS) RETAIL: Annuities First year.................................... $ -- $ -- $ -- Renewal....................................... 29 36 37 --------- --------- --------- 29 36 37 Life/(1)/ First year.................................... 167 159 69 Renewal....................................... 171 160 151 --------- --------- --------- 338 319 220 Other/(2) (3)/ First year.................................... 7 5 5 Renewal....................................... -- -- 6 --------- --------- --------- 7 5 11 --------- --------- --------- Total retail.................................. 374 360 268 --------- --------- --------- WHOLESALE: Annuities First year.................................... -- -- -- Renewal....................................... -- 2 2 --------- --------- --------- -- 2 2 Life/(1)/ First year.................................... 32 37 11 Renewal....................................... 47 45 47 --------- --------- --------- 79 82 58 Other........................................... -- -- 1 --------- --------- --------- Total wholesale............................... 79 84 61 --------- --------- --------- Total Premiums and Deposits..................... $ 453 $ 444 $ 329 ========= ========= =========
/(1)/Includes variable, interest-sensitive and traditional life products. /(2)/Includes reinsurance assumed. /(3)/Includes premiums and deposits from supplementary contracts -- A form of settlement under a life insurance or annuity contract whereby funds are made payable or used by the beneficiary to purchase a new insurance policy. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 72 2014 COMPARED TO 2013. Total premiums and deposits for life insurance products for 2014 were $453 million, an $11 million increase from $444 million in 2013 while total first year premiums and deposits increased $5 million to $206 million in 2014 from $201 million in 2013. First year premiums and deposits for life insurance products increased $3 million, primarily due to the $8 million increase in sales of indexed and variable universal life insurance products in the retail channel partially offset by a decrease of $5 million in the wholesale channels. 2013 COMPARED TO 2012. Total premiums and deposits for life insurance products for 2013 were $441 million, a $112 million increase from $329 million in 2012, while total first year premiums and deposits increased $113 million to $198 million in 2013 from $85 million in 2012. First year premiums and deposits for life insurance products increased $116 million, primarily due to the $90 million and $26 million increase in sales of indexed life insurance products in the retail and wholesale channels respectively. The increase in sales of life insurance products primarily reflects the impact that most sales of Indexed life insurance products to policyholders outside of New York were issued through MLOA, instead of AXA Equitable. SURRENDERS AND WITHDRAWALS. The following table presents surrender and withdrawal amounts and rates for major insurance product lines. Annuity surrenders and withdrawals are presented net of internal replacements. SURRENDERS AND WITHDRAWALS
RATES/(1)/ ---------------- 2014 2013 2012 2014 2013 2012 -------- -------- -------- ---- ---- ---- (DOLLARS IN MILLIONS) Annuities.................................... $ 150 $ 150 $ 207 11.9% 11.7% 15.9% Variable and interest-sensitive life......... 71 88 71 5.8% 5.8% 4.8% -------- -------- -------- Total........................................ $ 221 $ 238 $ 278 ======== ======== ========
/(1)/Surrender rates are based on the average surrenderable future policy benefits and/or policyholders' account balances for the related policies and contracts in force during each year. 2014 COMPARED TO 2013. Surrenders and withdrawals decreased $17 million, from $238 million in 2013 to $221 million for 2014. There was a decrease of $17 million for variable and interest sensitive life insurance surrenders withdrawals. Individual annuities surrenders and withdrawals remained flat year over year. The annualized annuities surrender rate decreased to 11.9% in 2014 from 11.7% in 2013. The variable and interest sensitive life products' annualized surrender rate for both 2014 and 2013 was 5.8%. 2013 COMPARED TO 2012. Surrenders and withdrawals decreased $40 million, from $278 million in 2012 to $238 million for 2013. There was a decrease of $57 million for individual annuities surrenders withdrawals partially offset by an increase of $17 million for variable and interest sensitive life insurance surrenders withdrawals. The annualized annuities surrender rate decreased to 11.7% in 2013 from 15.9% in 2012. The variable and interest sensitive life products' annualized surrender rate for 2013 and 2012 was 5.8% and 4.8% respectively. GENERAL ACCOUNT INVESTMENT PORTFOLIO The General Account Investment Assets ("GAIA") portfolio consists of a well-diversified portfolio of public and private fixed maturities, commercial mortgages and other loans and other invested assets. The General Accounts' portfolios and investment results support the insurance liabilities of MLOA's business operations. The following table reconciles the balance sheet asset amounts to GAIA. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 73 GENERAL ACCOUNT INVESTMENT ASSETS DECEMBER 31, 2014
BALANCE SHEET TOTAL OTHER/(1)/ GAIA BALANCE SHEET CAPTIONS: ----------- --------- -------- (IN MILLIONS) Fixed maturities, available for sale, at fair value................................. $ 878 $ 19 $ 859 Policy Loans................................. 151 131 20 Other invested assets........................ 90 89 1 ---------- --------- -------- Total investments.......................... 1,119 239 880 Cash and cash equivalents.................... 47 1 46 ---------- --------- -------- Total........................................ $ 1,166 $ 240 $ 926 ========== ========= ========
/(1)/Assets listed in the "Other" category principally consist of MLOA's miscellaneous assets and liabilities related to GAIA that are reclassified from various balance sheet lines held in portfolios other than the General Account which are not managed as part of GAIA, including related accrued income or expense and certain reclassifications and, for fixed maturities, the reversal of net unrealized gains (losses). The "Other" category is deducted in arriving at GAIA. INVESTMENT RESULTS OF GENERAL ACCOUNT INVESTMENT ASSETS The following table summarizes investment results by asset category for the periods indicated.
2014 2013 2012 ---------------- ---------------- ------------------ YIELD AMOUNT Yield Amount Yield Amount ------ ------- ------- ------ ------- -------- (DOLLARS IN MILLIONS) FIXED MATURITIES: Investment grade Income (loss)............................. 4.37% $ 32 4.66% $ 70 4.95% $ 87 Ending assets............................. 811 664 1,763 Below investment grade Income.................................... 6.71% 4 6.49% 9 6.83% 9 Ending assets............................. 48 61 127 MORTGAGES: Income (loss)............................. 5.09% 2 6.65% 2 10.30% 10 Ending assets............................. -- 26 45 POLICY LOANS: Income.................................... 2.71% -- 5.18% 6 5.84% 8 Ending assets............................. 20 12 139 CASH AND SHORT-TERM INVESTMENTS: Income.................................... 0.07% -- 0.08% -- 0.14% -- Ending assets............................. 46 73 140 OTHER INVESTED ASSETS: Income.................................... -- -- -- Ending assets............................. -- 2 2 TOTAL INVESTED ASSETS: ------- ------ -------- Income.................................... 4.32% 38 4.46% 87 4.91% 114 Ending Assets............................. 925 838 2,216 TOTAL: ------- ------ -------- Investment income.......................... 4.32% 38 4.46% 87 5.24% 114 Less: investment fees...................... (0.09)% (1) (0.09)% (2) (0.11)% (2) ------ ======= ------- ====== ------- ======== Investment Income, Net..................... 4.23% $ 37 4.37% $ 85 5.13% $ 112 ======= ====== ======== ENDING NET ASSETS $ 925 $ 838 $ 2,216 ======= ====== ========
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 74 FIXED MATURITIES The fixed maturity portfolio consists largely of investment grade corporate debt securities and includes significant amounts of U.S. government and agency obligations. At December 31, 2014, 75.3% of the fixed maturity portfolio was publicly traded. At December 31, 2014, GAIA held CMBS with an amortized cost of $35 million. The General Account had no direct exposure to the sovereign debt of Italy, Greece, Portugal, Spain and the Republic of Ireland. FIXED MATURITIES BY INDUSTRY The General Accounts' fixed maturities portfolios include publicly-traded and privately-placed corporate debt securities across an array of industry categories. The following table sets forth these fixed maturities by industry category as of the dates indicated along with their associated gross unrealized gains and losses. FIXED MATURITIES BY INDUSTRY/(1)/
GROSS GROSS AMORTIZED UNREALIZED UNREALIZED COST GAINS LOSSES FAIR VALUE ---------- ---------- ---------- ---------- (IN MILLIONS) AT DECEMBER 31, 2014: Corporate Securities: Finance..................... $ 116 $ 5 $ -- $ 121 Manufacturing............... 235 13 (1) 247 Utilities................... 146 8 (1) 154 Services.................... 128 7 -- 135 Energy...................... 54 2 (1) 55 Retail and wholesale........ 59 2 -- 61 Transportation.............. 26 1 -- 27 Other....................... -- -- -- -- ---------- ---------- ---------- ---------- Total corporate securities. 764 38 (3) 800 ---------- ---------- ---------- ---------- U.S. government............... 27 -- -- 27 Commercial mortgage-backed.... 35 2 (10) 27 Residential mortgage-backed/(2)/........ -- -- -- -- Preferred stock............... 18 -- -- 18 State & municipal............. 6 -- -- 6 Foreign governments........... -- -- -- -- Asset-backed securities....... -- -- -- -- ---------- ---------- ---------- ---------- Total......................... $ 850 $ 40 $ (13) $ 878 ========== ========== ========== ==========
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 75 FIXED MATURITIES BY INDUSTRY/(1)/
GROSS GROSS AMORTIZED UNREALIZED UNREALIZED COST GAINS LOSSES FAIR VALUE --------- ---------- ---------- ---------- (IN MILLIONS) At December 31, 2013: Corporate Securities: Finance.......................... $ 103 $ 6 $ -- $ 109 Manufacturing.................... 193 11 (4) 200 Utilities........................ 103 6 (2) 107 Services......................... 97 6 -- 103 Energy........................... 66 3 (1) 68 Retail and wholesale............. 31 1 (1) 31 Transportation................... 15 -- -- 15 --------- --------- --------- --------- Total corporate securities...... 608 33 (8) 633 --------- --------- --------- --------- U.S. government.................... 34 -- -- 34 Commercial mortgage-backed......... 46 1 (23) 24 Residential mortgage-backed/(2)/... -- -- -- -- Preferred stock.................... 18 -- (2) 16 State & municipal.................. 6 -- -- 6 Foreign governments................ -- -- -- -- Asset-backed securities............ -- -- -- -- --------- --------- --------- --------- Total.............................. $ 712 $ 34 $ (33) $ 713 ========= ========= ========= =========
/(1)/Investment data has been classified based on standard industry categorizations for domestic public holdings and similar classifications by industry for all other holdings. /(2)/Includes publicly traded agency pass-through securities and collateralized mortgage obligations. FIXED MATURITIES CREDIT QUALITY The Securities Valuation Office ("SVO") of the National Association of Insurance Commissioners ("NAIC"), evaluates the investments of insurers for regulatory reporting purposes and assigns fixed maturity securities to one of six categories ("NAIC Designations"). NAIC designations of "1" or "2" include fixed maturities considered investment grade, which include securities rated Baa3 or higher by Moody's or BBB- or higher by Standard & Poor's. NAIC Designations of "3" through "6" are referred to as below investment grade, which include securities rated Ba1 or lower by Moody's and BB+ or lower by Standard & Poor's. As a result of time lags between the funding of investments, the finalization of legal documents and the completion of the SVO filing process, the fixed maturity portfolio generally includes securities that have not yet been rated by the SVO as of each balance sheet date. Pending receipt of SVO ratings, the categorization of these securities by NAIC designation is based on the expected ratings indicated by internal analysis. The amortized cost of the General Accounts' public and private below investment grade fixed maturities totaled $36 million, or 4.2%, of the total fixed maturities at December 31, 2014 and $50 million, or 7.0%, of the total fixed maturities at December 31, 2013. Gross unrealized losses on public and private fixed maturities decreased from $33 million in 2013 to $13 million in 2014. Below investment grade fixed maturities represented 61.5% and 39.4% of the gross unrealized losses at December 31, 2014 and 2013, respectively. For public, private and corporate fixed maturity categories, gross unrealized gains were higher and gross unrealized losses were lower in 2014 than in the prior year. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 76 PUBLIC FIXED MATURITIES CREDIT QUALITY. The following table sets forth the General Accounts' public fixed maturities portfolios by NAIC rating at the dates indicated. PUBLIC FIXED MATURITIES
GROSS GROSS NAIC AMORTIZED UNREALIZED UNREALIZED DESIGNATION/(1)/ RATING AGENCY EQUIVALENT COST GAINS LOSSES FAIR VALUE --------------- ------------------------ ---------- ---------- ---------- ---------- (IN MILLIONS) AT DECEMBER 31, 2014: 1 Aaa, Aa, A.............. $ 382 $ 17 $ 3 $ 396 2 Baa..................... 248 10 1 257 ---------- ---------- ---------- --------- Investment grade........ 630 27 4 653 ---------- ---------- ---------- --------- 3 Ba...................... 4 -- -- 4 4 B....................... 2 -- -- 2 5 C and lower............. 1 -- -- 1 6 In or near default...... -- 1 -- 1 ---------- ---------- ---------- --------- Below investment grade.. 7 1 -- 8 ---------- ---------- ---------- --------- Total...................................... $ 637 $ 28 $ 4 $ 661 ========== ========== ========== ========= At December 31, 2013: 1 Aaa, Aa, A.............. $ 365 $ 14 $ 6 $ 373 2 Baa..................... 161 8 2 167 ---------- ---------- ---------- --------- Investment grade........ 526 22 8 540 ---------- ---------- ---------- --------- 3 Ba...................... 5 -- -- 5 4 B....................... 13 -- 3 10 5 C and lower............. 1 -- -- 1 6 In or near default...... -- 1 -- 1 ---------- ---------- ---------- --------- Below investment grade.. 19 1 3 17 ---------- ---------- ---------- --------- Total...................................... $ 545 $ 23 $ 11 $ 557 ========== ========== ========== =========
/(1)/At December 31, 2014 and 2013, no securities had been categorized based on expected NAIC designation pending receipt of SVO ratings. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 77 PRIVATE FIXED MATURITIES CREDIT QUALITY. The following table sets forth the General Accounts' private fixed maturities portfolios by NAIC rating at the dates indicated. PRIVATE FIXED MATURITIES
GROSS GROSS NAIC AMORTIZED UNREALIZED UNREALIZED DESIGNATION/(1)/ RATING AGENCY EQUIVALENT COST GAINS LOSSES FAIR VALUE --------------- ------------------------ --------- ---------- ---------- ---------- (IN MILLIONS) AT DECEMBER 31, 2014: 1 Aaa, Aa, A.............. $ 82 $ 5 $ 1 $ 86 2 Baa..................... 102 7 -- 109 --------- --------- --------- --------- Investment grade........ 184 12 1 195 --------- --------- --------- --------- 3 Ba...................... 3 -- -- 3 4 B....................... 2 -- -- 2 5 C and lower............. 10 -- 1 9 6 In or near default...... 14 1 7 8 --------- --------- --------- --------- Below investment grade.. 29 1 8 22 --------- --------- --------- --------- Total...................................... $ 213 $ 13 $ 9 $ 217 ========= ========= ========= ========= At December 31, 2013: 1 Aaa, Aa, A.............. $ 63 $ 5 $ 12 $ 56 2 Baa..................... 73 6 -- 79 --------- --------- --------- --------- Investment grade........ 136 11 12 135 --------- --------- --------- --------- 3 Ba...................... 1 -- -- 1 4 B....................... 11 -- 2 9 5 C and lower............. 3 -- -- 3 6 In or near default...... 16 -- 8 8 --------- --------- --------- --------- Below investment grade.. 31 -- 10 21 --------- --------- --------- --------- Total...................................... $ 167 $ 11 $ 22 $ 156 ========= ========= ========= =========
/(1)/Includes no securities, as of December 31, 2014 and 2013, that have been categorized based on expected NAIC designation pending receipt of SVO ratings. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 78 CORPORATE FIXED MATURITIES CREDIT QUALITY. The following table sets forth the General Accounts' public and private holdings of corporate fixed maturities by NAIC rating at the dates indicated. CORPORATE FIXED MATURITIES
GROSS GROSS NAIC AMORTIZED UNREALIZED UNREALIZED DESIGNATION RATING AGENCY EQUIVALENT COST GAINS LOSSES FAIR VALUE ----------- ------------------------ --------- ---------- ---------- ---------- (IN MILLIONS) AT DECEMBER 31, 2014: 1 Aaa, Aa, A.............. $ 413 $ 20 $ 1 $ 432 2 Baa..................... 337 17 1 353 --------- --------- --------- --------- Investment grade........ 750 37 2 785 --------- --------- --------- --------- 3 Ba...................... 4 -- -- 4 4 B....................... 2 -- -- 2 5 C and lower............. 8 -- -- 8 6 In or near default...... 1 1 -- 2 --------- --------- --------- --------- Below investment grade.. 15 1 -- 16 --------- --------- --------- --------- Total................................. $ 765 $ 38 $ 2 $ 801 ========= ========= ========= ========= At December 31, 2013: 1 Aaa, Aa, A.............. $ 362 $ 18 $ 5 $ 375 2 Baa..................... 230 13 1 242 --------- --------- --------- --------- Investment grade........ 592 31 6 617 --------- --------- --------- --------- 3 Ba...................... 5 -- 1 4 4 B....................... 12 -- 1 11 5 C and lower............. -- -- -- -- 6 In or near default...... -- 1 -- 1 --------- --------- --------- --------- Below investment grade.. 17 1 2 16 --------- --------- --------- --------- Total................................. $ 609 $ 32 $ 8 $ 633 ========= ========= ========= =========
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 79 COMMERCIAL MORTGAGE-BACKED SECURITIES The following table sets forth the amortized cost and fair value of the Company's commercial mortgage-backed securities at the dates indicated by credit quality and by year of issuance (vintage). COMMERCIAL MORTGAGE-BACKED SECURITIES
DECEMBER 31, 2014 ---------------------------------- MOODY'S AGENCY RATING ---------------------------------- TOTAL TOTAL BA AND DECEMBER 31, DECEMBER 31, AAA AA A BAA BELOW 2014 2013 VINTAGE ------ ------ ------ ------ ------ ------------ ------------ (IN MILLIONS) At amortized cost: 2004.................... $ -- $ -- $ -- $ -- $ -- $ -- $ -- 2005.................... -- -- -- -- 17 17 19 2006.................... -- -- -- -- 6 6 12 2007.................... -- -- -- -- 12 12 15 ------ ------ ------ ------ ------ ------- ------- Total CMBS................ $ -- $ -- $ -- $ -- $ 35 $ 35 $ 46 ====== ====== ====== ====== ====== ======= ======= At fair value: 2004.................... $ -- $ -- $ -- $ -- $ -- $ -- $ -- 2005.................... -- -- -- -- 13 13 10 2006.................... -- -- -- -- 3 3 3 2007.................... -- -- -- -- 10 10 10 ------ ------ ------ ------ ------ ------- ------- Total CMBS................ $ -- $ -- $ -- $ -- $ 26 $ 26 $ 23 ====== ====== ====== ====== ====== ======= =======
MORTGAGES During 2014 all of MLOA's mortgage loans on real estate matured or prepaid and there were no outstanding balances at December 31, 2014. INVESTMENT MIX At December 31, 2013 approximately 3.7% of GAIA were in commercial mortgage loans. At December 31, 2013 the carrying value of commercial mortgage loans was $31 million. The investment strategy for the mortgage loan portfolio emphasizes diversification by property type and geographic location with a primary focus on asset quality. The tables below show the breakdown of the amortized cost of the General Accounts investments in mortgage loans by geographic region and property type as of the dates indicated. MORTGAGE LOANS BY REGION AND PROPERTY TYPE
December 31, 2013 ------------------------- Amortized Cost % of Total -------------- ---------- (DOLLARS IN MILLIONS) BY REGION: U.S. Regions: Pacific........................................... $ 16 51.6% West South Central................................ 9 29.0 South Atlantic.................................... 3 9.7 East South Central................................ 3 9.7 Total Mortgage Loans................................ $ 31 100.0% ========== ========== BY PROPERTY TYPE: Industrial buildings................................ $ 26 83.9% Retail stores....................................... 5 16.1 Total Mortgage Loans................................ $ 31 100.0% ========== ==========
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 80 The values used in these ratio calculations were developed as part of the periodic review of the commercial mortgage loan portfolio, which includes an evaluation of the underlying collateral value. At December 31, 2013, there were no mortgage loans classified as problem loans or considered a TDR, while $9 million were classified as potential problem loans. Valuation allowances for the commercial mortgage loan portfolio were related to loan specific reserves. The following table sets forth the change in valuation allowances for the commercial mortgage loan portfolio as of the dates indicated.
2014 2013 ------- ------ (IN MILLIONS) Balances, beginning of year................................... $ 3 $ 4 Provision................................................... -- -- Deductions for writedowns and asset dispositions............ (3) (1) ------- ------ Balances, End of Year......................................... $ -- $ 3 ======= ======
OTHER EQUITY INVESTMENTS At December 31, 2014, private equity partnerships, hedge funds and real-estate related partnerships were 0% of total other equity investments. These interests, which represent 0% of GAIA, consist of a diversified portfolio of Leveraged Buyout ("LBO"), mezzanine, venture capital and other alternative limited partnerships, diversified by sponsor, fund and vintage year. The portfolio is actively managed to control risk and generate investment returns over the long term. Portfolio returns are sensitive to overall market developments. OTHER EQUITY INVESTMENTS -- CLASSIFICATIONS
DECEMBER 31, 2014 December 31, 2013 ------------------ ----------------- (IN MILLIONS) Common stock................................. $ -- $ 1 ------------------ ----------------- Total Other Equity Investments............... $ -- $ 1 ================== =================
REALIZED INVESTMENT GAINS (LOSSES) Realized investment gains (losses) are generated from numerous sources, including the sale of fixed maturity securities, equity securities, investments in limited partnerships and other types of investments, as well as adjustments to the cost basis of investments for OTTI. Realized investment gains (losses) are also generated from prepayment premiums received on private fixed maturity securities, recoveries of principal on previously impaired securities, provisions for losses on commercial mortgage and other loans and fair value changes on commercial mortgage loans carried at fair value. The following table sets forth "Realized investment gains (losses), net," for the years indicated: REALIZED INVESTMENT GAINS (LOSSES), NET
2014 2013 2012 ------- ------- ------- (IN MILLIONS) Fixed maturities..................................... $ (10) $ 68 $ (5) Other................................................ 4 1 2 ------- ------- ------- Total................................................ $ (6) $ 69 $ (3) ======= ======= =======
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 81 The following table further describes realized gains (losses), net for Fixed maturities: FIXED MATURITIES REALIZED INVESTMENT GAINS (LOSSES), NET
2014 2013 2012 -------- ------- ------- (IN MILLIONS) Gross realized investment gains: Gross gains on sales and maturities/(1)/......... $ 3 $ 86 $ 3 -------- ------- ------- Total gross realized investment gains........... 3 86 3 -------- ------- ------- Gross realized investment losses: Other-than-temporary impairments recognized in earnings (loss)................................. (10) (6) (7) Gross losses on sales and maturities/(2)/........ (3) (12) (1) -------- ------- ------- Total gross realized investment losses.......... (13) (18) (8) -------- ------- ------- Total.............................................. $ (10) $ 68 $ (5) ======== ======= =======
/(1)/2013 includes $81 million of gross gains from assets transferred to Protective Life. /(2)/2013 includes $6 million of gross losses from assets transferred to Protective Life. The following table sets forth, for the periods indicated, the composition of other-than-temporary impairments recorded in Earnings (loss) by asset type. OTHER-THAN-TEMPORARY IMPAIRMENTS RECORDED IN EARNINGS (LOSS)
2014 2013 2012 -------- ------- ------- (IN MILLIONS) Fixed Maturities: Public fixed maturities.......................... $ -- $ -- $ (1) Private fixed maturities......................... (10) (6) (6) -------- ------- ------- Total fixed maturities securities............... $ (10) $ (6) $ (7) ======== ======= =======
OTTI on fixed maturities recorded in income in 2014, 2013 and 2012 were due to credit events or adverse conditions of the respective issuer. In these situations, management believes such circumstances have caused, or will lead to, a deficiency in the contractual cash flows related to the investment. The amount of the impairment recorded in earnings (loss) is the difference between the amortized cost of the debt security and the net present value of its projected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment. LIQUIDITY AND CAPITAL RESOURCES OVERVIEW MLOA's principal sources of cash flows are premiums and charges on policies and contracts, investment income, repayments of principal and proceeds from sales of fixed maturities and other General Account Investment Assets and capital contributions from AEFS. Liquidity management is focused around a centralized funds management process. This centralized process includes the monitoring and control of cash flow associated with policyholder receipts and disbursements and General Account portfolio principal, interest and investment activity. Funds are managed through a banking system designed to reduce float and maximize funds availability. In addition to gathering and analyzing information on funding needs, the Company has a centralized process for both investing short-term cash and borrowing funds to meet cash needs. In general, the short-term investment positions have a maturity profile of 1-7 days with considerable flexibility as to availability. MLOA's liquidity requirements principally relate to the payment of benefits under its various life insurance and annuity products, cash payments in connection with policy surrenders, withdrawals and loans and payment of its operating expenses, including payments to affiliates in connection with service agreements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 82 In managing the liquidity of MLOA's business, management also considers the risk of policyholder and contractholder withdrawals of funds earlier than assumed when selecting assets to support these contractual obligations. Surrender charges and other contract provisions are used to mitigate the extent, timing and profitability impact of withdrawals of funds by customers from annuity contracts and deposit liabilities. The following table sets forth withdrawal characteristics of MLOA's General Account annuity reserves and deposit liabilities (based on statutory liability values) as of the dates indicated. GENERAL ACCOUNTS ANNUITY RESERVES AND DEPOSIT LIABILITIES
DECEMBER 31, 2014 December 31, 2013 -------------------- -------------------- AMOUNT % OF TOTAL Amount % of Total --------- ---------- --------- ---------- (DOLLARS IN MILLIONS) Not subject to discretionary withdrawal provisions................................. $ 88 6.6% $ 93 6.5% Subject to discretionary withdrawal, with adjustment: With market value adjustment............... 945 70.8 1,026 72.2 At contract value, less surrender charge of 5% or more Subtotal.................................. 1,033 77.4 1,119 78.7 Subject to discretionary withdrawal at contract value with no surrender charge or surrender charge of less than 5%........... 302 22.6 303 21.3 --------- ----- --------- ----- Total Annuity Reserves And Deposit Liabilities................................ $ 1,335 100.0% $ 1,422 100.0% ========= ===== ========= =====
ANALYSIS OF STATEMENT OF CASH FLOWS YEARS ENDED DECEMBER 31, 2014 AND 2013 Cash and cash equivalents were $47 million at December 31, 2014 a decrease of $92 million from $139 million at December 31, 2013. Net cash used in operating activities was $176 million in 2014 as compared to $227 million in 2013. Cash flows from operating activities include such sources as premiums and investment income offset by such uses as life insurance benefit payments, compensation reimbursements to affiliates and other cash expenditures. Net cash used in investing activities was $163 million in 2014 as compared to net cash provided by investing activities of $165 million in 2013. The change was principally due to purchases of $119 million in 2014 as compared to net sales and maturities of $150 million in 2013. Net cash provided by financing activities was $247 million in 2014 as compared to $50 million in 2013. The impact of the net deposits to policyholders' account balances was $240 million in 2014 as compared to net deposits to policyholders' account balances of $238 million in 2013. Change collateralized pledged liabilities were $7 million and $12 million in 2014 and 2013 respectively. The 2013 cash provided by financing activities was partially offset by a $200 million return of capital to MLOA's parent AEFS. YEARS ENDED DECEMBER 31, 2013 AND 2012 Cash and cash equivalents were $139 million at December 31, 2013 a decrease of $12 million from $151 million at December 31, 2012. Net cash used in operating activities was $227 million in 2013 as compared to $49 million in 2012. Cash flows from operating activities include such sources as premiums and investment income offset by such uses as life insurance benefit payments, compensation reimbursements to affiliates and other cash expenditures. Net cash provided by investing activities was $165 million in 2013 as compared to net cash provided by investing activities of $57 million in 2012. The change was principally due to net sales and maturities of $150 million in 2013 as compared to net sales and maturities of $65 million in 2012. Net cash provided by financing activities was $50 million in 2013 as compared to $82 million in 2012. The impact of the net deposits to policyholders' account balances was $238 million in 2013 as compared to net deposits to policyholders' account balances of $82 million in 2012. In addition to the $238 million net deposits to policyholders' account balances in 2013, there was a $12 million change collateralized pledged liabilities and a $200 million return of capital to its parent AEFS. SOURCES OF LIQUIDITY MLOA's primary source of short-term liquidity to support its insurance operations is a pool of highly liquid, high quality short-term instruments structured to provide liquidity in excess of the expected cash requirements. At December 31, 2014, this asset pool included an aggregate of $47 million in highly liquid short-term investments, as compared to $133 million at December 31, 2013. In addition, a substantial portfolio of public bonds including U.S. Treasury and agency securities and other investment grade fixed maturities is available to meet MLOA's liquidity needs. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 83 OFF BALANCE SHEET TRANSACTIONS At December 31, 2014 and 2013, MLOA was not a party to any off balance sheet transactions. STATUTORY REGULATION, CAPITAL AND DIVIDENDS MLOA is subject to the regulatory capital requirements of Arizona, which are designed to monitor capital adequacy. The level of an insurer's required capital is impacted by many factors including, but not limited to, business mix, product design, sales volume, invested assets, liabilities, reserves and movements in the capital markets, including interest rates and equity markets. As of December 31, 2014, the total adjusted capital of MLOA was in excess of Arizona's regulatory capital requirements. Management monitors its regulatory capital requirements on an ongoing basis taking into account the prevailing conditions in the capital markets. While future capital requirements will depend on future market conditions, management believes that MLOA will continue to have the ability to meet the capital requirements necessary to support its business. For additional information, see "Risk Factors". For 2014, 2013 and 2012, respectively, MLOA's statutory net income (loss) totaled $12 million, $33 million and $33 million. Statutory surplus, capital stock and Asset Valuation Reserve totaled $401 million and $367 million at December 31, 2014 and 2013, respectively. In 2013 MLOA used a portion of the consideration from the reinsurance agreement with Protective Life to return $200 million of capital to its parent AEFS. SUPPLEMENTARY INFORMATION A schedule of future payments under certain of MLOA's contractual obligations follows: CONTRACTUAL OBLIGATIONS -- DECEMBER 31, 2014
PAYMENTS DUE BY PERIOD ------------------------------------------- LESS THAN 1 OVER TOTAL YEAR 1 - 3 YEARS 4 - 5 YEARS 5 YEARS ------- ----------- ----------- ----------- ------- (IN MILLIONS) Contractual obligations: Policyholders liabilities -- policyholders' account balances, future policy benefits and other policyholder liabilities/(1)/.... $ 2,155 $ 29 $ 77 $ 96 $ 1,953 ------- ------- ------- ------- ------- Total Contractual Obligations....... $ 2,155 $ 29 $ 77 $ 96 $ 1,953 ======= ======= ======= ======= =======
/(1)/Policyholders liabilities represent estimated cash flows out of the General Account related to the payment of death and disability claims, policy surrenders and withdrawals, annuity payments, minimum guarantees on Separate Account funded contracts, matured endowments, policyholder dividends and future renewal premium-based and fund-based commissions offset by contractual future premiums and deposits on in-force contracts. These estimated cash flows are based on mortality, morbidity and lapse assumptions comparable with the MLOA experience and assume market growth and interest crediting consistent with assumptions used in amortizing DAC and VOBA. These amounts are undiscounted and, therefore, exceed the Policyholders' account balances and Future policy benefits and other policyholder liabilities included in the balance sheet included elsewhere herein. They do not reflect projected recoveries from reinsurance agreements. Due to the use of assumptions, actual cash flows will differ from these estimates (see "Critical Accounting Estimates -- Future Policy Benefits"). Separate Accounts liabilities have been excluded as they are legally insulated from General Account obligations and will be funded by cash flows from Separate Accounts assets. Unrecognized tax benefits of $5 million were not included in the above table because it is not possible to make reasonably reliable estimates of the occurrence or timing of cash settlements with the respective taxing authorities. In addition, MLOA has financial obligations under contingent commitments at December 31, 2014 including guarantees or commitments to fund private fixed maturities and floating rate commercial mortgages. Information on these contingent commitments can be found in Notes 5, 8 and 12 of Notes to Financial Statements. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 84 CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE None. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 85 QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK MLOA's operations are subject to financial, market, political and economic risks, as well as to risks inherent in its business operations. The discussion that follows provides additional information on market risks arising from its insurance asset/liability management activities. Primary market risk exposure results from interest rate fluctuations and changes in credit quality. MLOA's results of operations significantly depend on profit margins between investment results from General Account Investment Assets and interest credited on individual insurance products. Management believes its fixed rate liabilities should be supported by a portfolio principally composed of fixed rate investments that generate predictable, steady rates of return. Although these assets are purchased for long-term investment, the portfolio management strategy considers them available for sale in response to changes in market interest rates, changes in prepayment risk, changes in relative values of asset sectors and individual securities and loans, changes in credit quality outlook and other relevant factors. See the "Investments" section of Note 2 of Notes to Financial Statements for the accounting policies for the investment portfolios. The objective of portfolio management is to maximize returns, taking into account interest rate and credit risks. Insurance asset/liability management includes strategies to minimize exposure to loss as interest rates and economic and market conditions change. As a result, the fixed maturity portfolio has modest exposure to call and prepayment risk and the vast majority of mortgage holdings are fixed rate mortgages that carry yield maintenance and prepayment provisions. INVESTMENTS WITH INTEREST RATE RISK -- FAIR VALUE. MLOA's assets with interest rate risk include fixed maturities and mortgage loans that make up 94.8% of the carrying value of General Account Investment Assets at December 31, 2014. As part of its asset/liability management, quantitative analyses are used to model the impact various changes in interest rates have on assets with interest rate risk. The table that follows shows the impact an immediate 100 BP increase in interest rates at December 31, 2014 and 2013 would have on the fair value of fixed maturities and mortgage loans:
DECEMBER 31, 2014 December 31, 2013 --------------------------- --------------------------- BALANCE AFTER Balance After +100 BP +100 BP FAIR VALUE CHANGE Fair Value Change ------------- ------------- ------------- ------------- (IN MILLIONS) Fixed maturities...... $ 878 $ 832 $ 713 $ 684 Mortgage loans on real estate......... -- -- 28 28 ------------- ------------- ------------- ------------- Total............... $ 878 $ 832 $ 741 $ 712 ============= ============= ============= =============
A 100 BP increase in interest rates is a hypothetical rate scenario used to demonstrate potential risk; it does not represent management's view of future market changes. While these fair value measurements provide a representation of interest rate sensitivity of fixed maturities and mortgage loans, they are based on various portfolio exposures at a particular point in time and may not be representative of future market results. These exposures will change as a result of ongoing portfolio activities in response to management's assessment of changing market conditions and available investment opportunities. LIABILITIES WITH INTEREST RATE RISK -- FAIR VALUE. At December 31, 2014 and 2013, respectively, the aggregate carrying value of policyholders' liabilities were $2,269 million and $2,100 million, approximately $761 million and $557 million (net of amounts reinsured to Protective Life) of which liabilities are reactive to interest rate fluctuations. The aggregate fair values of such contracts at December 31, 2014 and 2013 were $766 million and $562 million, respectively. The impact of a relative 1.0% decrease in interest rates would be an increase in the fair value of those contracts to $769 million and $564 million, respectively. While these fair value measurements provide a representation of the interest rate sensitivity of policyholders' liabilities, they are based on the composition of such liabilities at a particular point in time and may not be representative of future results. Asset/liability management is integrated into many aspects of MLOA's operations, including investment decisions, product development and determination of crediting rates. As part of the risk management process, numerous economic scenarios are modeled, including cash flow testing required for insurance regulatory purposes, to determine if existing assets would be sufficient to meet projected liability cash flows. Key variables include policyholder behavior, such as persistency, under differing crediting rate strategies. DERIVATIVES AND INTEREST RATE AND EQUITY RISKS -- FAIR VALUE. MLOA uses derivatives for asset/liability risk management primarily to reduce exposures to equity market fluctuations. Derivative hedging strategies are designed to reduce these risks from an economic perspective and are all executed within the framework of a "Derivative Use Plan" approved by the AID. To minimize credit risk exposure associated with its APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 86 derivative transactions, each counterparty's credit is appraised and approved and risk control limits and monitoring procedures are applied. Credit limits are established and monitored on the basis of potential exposures that take into consideration current market values and estimates of potential future movements in market values given potential fluctuations in market interest rates. In addition, MLOA executed various collateral arrangements with counterparties to over-the-counter derivative transactions that require both the pledging and accepting of collateral either in the form of cash or high-quality Treasury or government agency securities. Mark to market exposure is a point-in-time measure of the value of a derivative contract in the open market. A positive value indicates existence of credit risk for MLOA because the counterparty would owe money to MLOA if the contract were closed. Alternatively, a negative value indicates MLOA would owe money to the counterparty if the contract were closed. If there is more than one derivative transaction outstanding with a counterparty, a master netting arrangement exists with the counterparty. In that case, the market risk represents the net of the positive and negative exposures with the single counterparty. In management's view, the net potential exposure is the better measure of credit risk. At December 31, 2014 and 2013, the net fair values of MLOA's derivatives were $26 million and $14 million, respectively. The table that follows shows equity sensitivities of those derivatives, measured in terms of fair value. These exposures will change as a result of ongoing portfolio and risk management activities.
EQUITY SENSITIVITIES -------------------------- BALANCE AFTER - NOTIONAL 10% EQUITY AMOUNT FAIR VALUE PRICE SHIFT --------- ---------- --------------- DECEMBER 31, 2014 Options............................... $ 307 $ 26 $ 12 December 31, 2013 Options............................... $ 296 $ 14 $ 12
In addition to the freestanding derivatives discussed above MLOA has liabilities associated with the MSO in MLOA's variable life insurance products and IUL insurance products features which are considered to be derivatives for accounting purposes and were reported at its fair value. The liability for MSO and IUL features was $26 million and $14 million at December 31, 2014 and 2013, respectively. The potential fair value exposure to an immediate 10% drop in equity prices from those prevailing at December 31, 2014 and 2013, would be to decrease the liability balance to $12 million and $12 million respectively. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 87 DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS. BOARD OF DIRECTORS The Board currently consists of ten members, including our Chairman of the Board, President and Chief Executive Officer, two senior executives of AXA, one senior executive of AB and six independent members. The Board holds regular quarterly meetings, generally in February, May, September, and November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit, Organization and Compensation, and Investment Committees, each of which is described in further detail below. Each of the Directors attended at least 75% of the Board and committee meetings to which he or she was assigned during 2014, except Mr. Kraus. The current members of our Board are as follows: MARK PEARSON Mr. Pearson, age 56, has been a Director of MLOA since January 2011. Mr. Pearson currently serves as Chairman of the Board, President and Chief Executive Officer. From February 2011 through September 2013, he served as Chairman of the Board and Chief Executive Officer. Mr. Pearson also serves as President and Chief Executive Officer of AXA Financial since February 2011 and as Chairman of the Board, President and Chief Executive Officer of AXA Equitable since February 2011. Mr. Pearson is also a member of the Management and Executive Committees at AXA. Mr. Pearson joined AXA in 1995 with the acquisition of National Mutual Holdings (now AXA Asia Pacific Holdings) and was appointed Regional Chief Executive of AXA Asia Life in 2001. In 2008, he became President and Chief Executive Officer of AXA Japan Holding Co. Ltd. ("AXA Japan") and was appointed a member of the Executive Committee of AXA. Before joining AXA, Mr. Pearson spent approximately 20 years in the insurance sector, assuming several senior manager positions at National Mutual Holdings and Friends Provident. Mr. Pearson is a Fellow of the Chartered Association of Certified Accountants and is a member of the Board of Directors of the American Council of Life Insurers and the Financial Services Roundtable. Mr. Pearson is also a director of AXA Financial (since January 2011), AXA Equitable (since January 2011) and AllianceBernstein Corporation (since February 2011). Mr. Pearson brings to the Board diverse financial services experience developed though his service as an executive, including as a Chief Executive Officer, to AXA Financial, AXA Japan and other AXA affiliates. HENRI DE CASTRIES Mr. de Castries, age 60, has been a Director of MLOA since July 2004. Mr. de Castries has also served as Chairman of the Board of AXA Financial since April 1998. Since April 2010, Mr. de Castries has been Chairman of the Board and Chief Executive Officer of AXA. Mr. de Castries served as the Chairman of the Management Board of AXA from May 2000 through April 2010. Prior thereto, he served AXA in various capacities, including Vice Chairman of the AXA Management Board; Senior Executive Vice President-Financial Services and Life Insurance Activities in the United States, Germany, the United Kingdom and Benelux from 1996 to 2000; Executive Vice President-Financial Services and Life Insurance Activities from 1993 to 1996; Corporate Secretary from 1991 to 1993; and Central Director of Finances from 1989 to 1991. Mr. de Castries is a member of the Board of Directors of Nestle S.A., where he serves on the Audit Committee. Mr. de Castries is also a director of AXA Financial (since September 1993), AXA Equitable (since September 1993), AllianceBernstein Corporation (since October 1993) and various other subsidiaries and affiliates of the AXA Group. Mr. de Castries brings to the Board his extensive experience as an AXA executive and, prior thereto, his financial and public sector experience gained from working in French government. The Board also benefits from his invaluable perspective as the Chairman and Chief Executive Officer of AXA. RAMON DE OLIVEIRA Mr. de Oliveira, age 60, has been a Director of MLOA since May 2011. Since April 2010, Mr. de Oliveira has been a member of AXA's Board of Directors, where he serves on the Finance Committee (Chair) and Audit Committee, and from April 2009 to May 2010, he was a member of AXA's Supervisory Board. He is currently the Managing Director of the consulting firm Investment Audit Practice, LLC, based in New York, NY. From 2002 and 2006, Mr. de Oliveira was an adjunct professor of Finance at Columbia University. Prior thereto, starting in 1977, he spent 24 years at JP Morgan & Co. where he was Chairman and Chief Executive Officer of JP Morgan Investment Management and was also a member of the firm's Management Committee since its inception in 1995. Upon the merger with Chase Manhattan Bank in 2001, Mr. de Oliveira was the only executive from JP Morgan & Co. asked to join the Executive Committee of the new firm with operating responsibilities. Mr. de Oliveira APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 88 is currently a member of the Board of Directors of Investment Audit Practice, LLC, Fonds de Dotation du Louvre and JACCAR Holdings. Previously he was a Director of JP Morgan Suisse, American Century Company, Inc., SunGard Data Systems and The Hartford Insurance Company. Mr. de Oliveira is also a director of AXA Financial and AXA Equitable since May 2011. Mr. de Oliveira brings to the Board extensive financial services experience, and key leadership and analytical skills developed through his roles within the financial services industry and academia. The Board also benefits from his perspective as a director of AXA and as a former director of other companies. DENIS DUVERNE Mr. Duverne, age 61, has been a Director of MLOA since July 2004. Since April 2010, Mr. Duverne has been the Deputy Chief Executive Officer of AXA, in charge of Finance, Strategy and Operations and a member of AXA's Board of Directors. From January 2010 until April 2010, Mr. Duverne was AXA's Management Board member in charge of Finance, Strategy and Operations. Mr. Duverne was a member of the AXA Management Board from February 2003 through April 2010. He was Chief Financial Officer of AXA from May 2003 through December 2009. From January 2000 to May 2003, Mr. Duverne served as Group Executive Vice President-Finance, Control and Strategy. Mr. Duverne joined AXA as Senior Vice President in 1995. Mr. Duverne is also a director of AXA Financial (since November 2003), AXA Equitable (since February 1998), AllianceBernstein Corporation (since February 1996) and various other subsidiaries and affiliates of the AXA Group. Mr. Duverne brings to the Board the highly diverse experience he has garnered throughout the years from the many key roles he has served for AXA. The Board also benefits from his invaluable perspective as director and Deputy Chief Executive Officer of AXA. BARBARA FALLON-WALSH Ms. Fallon-Walsh, age 62, has been a Director of MLOA since May 2012. Ms. Fallon-Walsh was with The Vanguard Group, Inc. ("Vanguard") from 1995 until her retirement in 2012, where she held several executive positions, including Head of Institutional Retirement Plan Services from 2006 through 2011. Ms. Fallon-Walsh started her career at Security Pacific Corporation in 1979 and held a number of senior and executive positions with the company, which merged with Bank of America in 1992. From 1992 until joining Vanguard in 1995, Ms. Fallon-Walsh served as Executive Vice President, Bay Area Region and Los Angeles Gold Coast Region for Bank of America. Ms. Fallon-Walsh is currently a member of the Board of Directors of AXA Investment Managers S.A. ("AXA IM"), where she serves on the Audit and Risk Committee and the Remuneration Committee, and of AXA Rosenberg Group LLC ("AXA Rosenberg"). Ms. Fallon-Walsh is also a director of AXA Financial and AXA Equitable since May 2012. Ms. Fallon-Walsh brings to the Board extensive financial services and general management expertise through her executive positions at Vanguard, Bank of America and Security Pacific National Bank and through her perspective as a director of AXA IM and AXA Rosenberg. The Board also benefits from her extensive knowledge of the retirement business. DANNY L. HALE Mr. Hale, age 70, has been a Director of MLOA since May 2010. From January 2003 to March 2008, Mr. Hale served as Senior Vice President and Chief Financial Officer of The Allstate Corporation. Prior to joining The Allstate Corporation in January 2003, he was Executive Vice President and Chief Financial Officer of the Promus Hotel Corporation until its acquisition by the Hilton Hotels Group in 1999. Prior to joining Promus Hotel Corporation, Mr. Hale was Executive Vice President and Chief Financial Officer of USF&G Corporation from 1993 to 1998. Mr. Hale joined insurer USF&G Corporation in 1991 as Executive Vice President of Diversified Insurance & Investment Operations. Prior thereto, Mr. Hale held various positions with each of Chase Manhattan Leasing and General Electric Company. Mr. Hale is also a director of AXA Financial and AXA Equitable since May 2010. Mr. Hale brings to the Board invaluable expertise as an audit committee financial expert, and extensive financial services and insurance industry experience and his general knowledge and experience in financial matters, including as a Chief Financial Officer. PETER S. KRAUS Mr. Kraus, age 62, has been a Director of MLOA since February 2009. Since December 2008, Mr. Kraus has served as Chairman of the Board of AllianceBernstein Corporation and Chief Executive Officer of AllianceBernstein Corporation, AB and AB Holding. From September 2008 through December 2008, Mr. Kraus served as an executive vice president, the head of global strategy and a member of the Management Committee of Merrill Lynch & Co. Inc. ("Merrill Lynch"). Prior to joining Merrill Lynch, Mr. Kraus spent 22 years with Goldman Sachs Group Inc. ("Goldman"), where he most recently served as co-head of the Investment Management Division and a member of the Management APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 89 Committee, as well as head of firm-wide strategy and chairman of the Strategy Committee. Mr. Kraus also served as co-head of the Financial Institutions Group. Mr. Kraus is a member of the Management and Executive Committees of AXA. Mr. Kraus is also a director of AXA Financial and AXA Equitable since February 2009. Mr. Kraus brings to the Board extensive knowledge of the financial services industry and in-depth experience in the financial markets, including experience as co-head of the Investment Management Division and head of firm-wide strategy at Goldman. BERTRAM L. SCOTT Mr. Scott, age 63, has been a Director of MLOA since May 2012. Since February 2015, Mr. Scott has served as Senior Vice President of population health of Novant Health, Inc. From November 2012 through December 2014, Mr. Scott served as President and Chief Executive Officer of Affinity Health Plans. From June 2010 to December 2011, Mr. Scott served as President, U.S. Commercial of CIGNA Corporation. Prior thereto, he served as Executive Vice President of TIAA-CREF from 2000 to June 2010 and as President and Chief Executive Officer of TIAA-CREF Life Insurance Company from 2000 to 2007. Mr. Scott is currently a member of the Board of Directors of Becton, Dickinson and Company, where he serves on the Audit Committee (Chair) and Compensation and Benefits Committee. Mr. Scott is also a director of AXA Financial and AXA Equitable since May 2012. Mr. Scott brings to the Board invaluable expertise as an audit committee financial expert, and strong strategic and operational expertise acquired through the variety of executive roles in which he has served during his career. The Board also benefits from his perspective as a director of Becton, Dickinson and Company. LORIE A. SLUTSKY Ms. Slutsky, age 62, has been a Director of MLOA since September 2006. Since January 1990, Ms. Slutsky has been President and Chief Executive Officer of The New York Community Trust, a community foundation that manages a $2.5 billion endowment and annually grants more than $150 million to non-profit organizations. Ms. Slutsky is Treasurer and a board member of the Independent Sector and co-chaired its National Panel on the Non-Profit Sector, which focused on reducing abuse and improving governance practices at non-profits. She served on the Board of Directors of BoardSource from 1999 to 2008 and served as its Chair from 2005 to 2007. She also served on the Board of Directors of the Council on Foundations from 1989 to 1995 and as its Chair from 1992 to 1994. Ms. Slutsky served as Trustee and Chair of the Budget Committee of Colgate University from 1989 to 1997. Ms. Slutsky is also a director of AXA Financial and AXA Equitable (since September 2006) and AllianceBernstein Corporation (since July 2002). Ms. Slutsky brings to the Board extensive corporate governance experience through her executive and managerial roles at The New York Community Trust, BoardSource and various other non-profit organizations. RICHARD C. VAUGHAN Mr. Vaughan, age 65, has been a Director of MLOA since May 2010. From 1995 to May 2005, Mr. Vaughan served as Executive Vice President and Chief Financial Officer of Lincoln Financial Group ("Lincoln"). Mr. Vaughan joined Lincoln in July 1990 as Senior Vice President and Chief Financial Officer of Lincoln's Employee Benefits Division. In June 1992, Mr. Vaughan was appointed Chief Financial Officer of Lincoln and was promoted to Executive Vice President of Lincoln in January 1995. Mr. Vaughan is a member of the Board of Directors of MBIA Inc., where he serves on the Audit Committee (Chair), Compensation and Governance Committee and Executive Committee. Previously, Mr. Vaughan was also a Director of The Bank of New York and Davita, Inc. Mr. Vaughan is also a director of AXA Financial and AXA Equitable since May 2010. Mr. Vaughan brings to the Board invaluable expertise as an audit committee financial expert, and extensive financial services and insurance industry experience and his general knowledge and experience in financial matters, including as a Chief Financial Officer. The Board also benefits from his perspective as a director of MBIA, Inc. and as a former director to other public companies. EXECUTIVE OFFICERS The current executive officers (other than Mr. Pearson, whose biography is included above in the Board of Directors information) are as follows: PRISCILLA S. BROWN, SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF MARKETING OFFICER Ms. Brown, age 57, joined AXA Financial Group in September 2014 and currently serves Senior Executive Vice President and Chief Marketing Officer of AXA Financial and MLOA and as Senior Executive Director and Chief Marketing Officer of AXA Equitable. Ms. Brown has overall APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 90 responsibility for the Company's customer strategy and building the Company's brand. Ms. Brown leads the marketing and communications team which includes brand management and advertising, digital and multichannel programs, marketing for the Company's core life insurance and retirement savings areas, insights and analytics and communications. In addition, she works closely with AXA on global marketing strategies. Prior to joining AXA Financial Group, Ms. Brown was Senior Vice President and Chief Marketing and Development Officer at AmeriHealth Caritas, where she was responsible for marketing, product development, market expansion and corporate communications efforts across the enterprise. Before joining AmeriHealth Caritas in April 2013, Ms. Brown served as Head of Marketing U.S. for Sun Life Financial since January 2009. From February 1991 to December 2008, Ms. Brown served in numerous roles at Lincoln Financial Group, the most recent being Chief Marketing Officer. DAVE S. HATTEM, SENIOR EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL Mr. Hattem, age 58, joined AXA Financial Group in 1994 and currently serves as Senior Executive Vice President and General Counsel of AXA Financial and MLOA and as Senior Executive Director and General Counsel of AXA Equitable. Prior to his election as general counsel in 2010, Mr. Hattem served as senior vice president and deputy general counsel, taking on this role in 2004. Mr. Hattem is responsible for oversight of the Law Department, including the National Compliance Office, setting the strategic direction of the Department and ensuring the business areas are advised as to choices and opportunities available under existing law to enable company goals. Prior to joining AXA Financial Group, Mr. Hattem served in several senior management positions in the Office of the United States Attorney for the Eastern District of New York. Mr. Hattem began his professional legal career as an Associate in the Litigation Department of Barrett Smith Schapiro Simon & Armstrong. Since September 2012, Mr. Hattem has been a member of the Board of Directors of The Life Insurance Council of New York. NICHOLAS B. LANE, SENIOR EXECUTIVE VICE PRESIDENT AND HEAD OF U.S. LIFE & RETIREMENT Mr. Lane, age 41, rejoined AXA Financial Group in February 2011 and currently serves as Senior Executive Vice President and Head of U.S. Life & Retirement of AXA Financial and MLOA and as Senior Executive Director and Head of U.S. Life & Retirement of AXA Equitable. Prior to becoming the Head of U.S. Life & Retirement in November 2013, Mr. Lane served as Senior Executive Vice President and President, Retirement Savings. Mr. Lane is responsible for all aspects of manufacturing and distribution of AXA Financial Group's life and annuity business lines, including Financial Protection, Wealth Management, Employer Sponsored and Individual Annuity. Mr. Lane also leads AXA Equitable Funds Management Group. Mr. Lane rejoined AXA Financial Group in 2011 from AXA, where he served as head of AXA Group Strategy since 2008. Prior to joining AXA Group in 2008, he was a director of AXA Advisors LLC and a director and Vice Chairman of AXA Network LLC, AXA Financial Group's retail broker dealer and insurance general agency, respectively. Prior to joining AXA Financial Group, he was a leader in the sales and marketing practice of the strategic consulting firm McKinsey & Co. Prior thereto, Mr. Lane served as a captain in the U.S. Marine Corps. ANDERS MALMSTROM, SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER Mr. Malmstrom, age 47, joined AXA Financial Group in June 2012 and currently serves as Senior Executive Vice President and Chief Financial Officer of AXA Financial and MLOA and as Senior Executive Director and Chief Financial Officer of AXA Equitable. Mr. Malmstrom is responsible for all actuarial, investment, and risk management functions, with oversight of the controller, tax, expense management and corporate real estate, corporate sourcing and procurement, and distribution finance areas. Prior to joining AXA Financial Group, Mr. Malmstrom was a member of the Executive Board and served as the Head of the Life Business at AXA Winterthur. Prior to joining AXA Winterthur in January 2009, Mr. Malmstrom was a Senior Vice President at Swiss Life, where he was also a member of the Management Committee. Mr. Malmstrom joined Swiss Life in 1997, and held several positions of increasing responsibility during his tenure. SALVATORE PIAZZOLLA, SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF HUMAN RESOURCES OFFICER Mr. Piazzolla, age 62, joined AXA Financial Group in March 2011 and currently serves as Senior Executive Vice President and Chief Human Resources Officer of AXA Financial and MLOA and as Senior Executive Director and Chief Human Resources Officer of AXA Equitable. Mr. Piazzolla is responsible for developing and executing a business-aligned human capital management strategy focused on leadership development, talent management and total rewards. Prior to joining AXA Financial Group, Mr. Piazzolla was Senior Executive Vice President, Head of Human Resources at UniCredit Group, where he was responsible for all aspects of human resources management, including leadership development, learning and industrial relations. Before joining UniCredit Group in 2005, he held various human resources senior management positions in the United States and abroad at General Electric Company, Pepsi Cola International and S.C. Johnson Wax. SHARON RITCHEY, SENIOR EXECUTIVE VICE PRESIDENT AND CHIEF OPERATING OFFICER Ms. Ritchey, age 56, joined AXA Financial Group in November 2013 and currently serves as Senior Executive Vice President and Chief Operating Officer of AXA Financial and MLOA and as Senior Executive Director and Chief Operating Officer of AXA Equitable. Ms. Ritchey is APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 91 responsible for operations and technology, including customer service centers, with an emphasis on leveraging AXA's global reach and optimizing organizational nimbleness and flexibility in the U.S. market. Prior to joining AXA Financial Group, Ms. Ritchey was Executive Vice President of the Retirement Plans Group at The Hartford. Ms. Ritchey joined The Hartford in 1999 and served in several roles of increasing responsibility throughout her tenure, including leading global operations and technology for the life business, and serving as chief operating officer of the U.S. wealth management, the North American property and casualty, and the affinity personal lines businesses, respectively. Prior to joining The Hartford, Ms. Ritchey spent four years in senior marketing and six sigma leadership roles at GE Capital, and got her start at Citi, with roles of increasing responsibility across the company's retail, banking and customer service divisions. CORPORATE GOVERNANCE COMMITTEES OF THE BOARD The Executive Committee of the Board ("Executive Committee") is currently comprised of Mr. Pearson (Chair), Mr. de Castries, Mr. Duverne, Ms. Fallon-Walsh, Ms. Slutsky and Mr. Vaughan. The function of the Executive Committee is to exercise the authority of the Board in the management of the Company between meetings of the Board with the exceptions set forth in the Company's By-Laws. The Executive Committee held no meetings in 2014. The Audit Committee of the Board ("Audit Committee") is currently comprised of Mr. Vaughan (Chair), Ms. Fallon-Walsh, Mr. Hale and Mr. Scott. The primary purposes of the Audit Committee are to: (i) assist the Board of Directors in its oversight of the (1) adequacy and effectiveness of the internal control and risk management frameworks, (2) financial reporting process and the integrity of the publicly reported results and disclosures made in the financial statements and (3) effectiveness and performance of the internal and external auditors and the independence of the external auditor; (ii) approve (1) the appointment, compensation and retention of the external auditor in connection with the annual audit and (2) the audit and non-audit services to be performed by the external auditor and (iii) resolve any disagreements between management and the external auditor regarding financial reporting. The Board has determined that each of Messrs. Vaughan, Hale and Scott is an "audit committee financial expert" within the meaning of Item 407(d) of Regulation S-K. The Board has also determined that each member of the Audit Committee is financially literate. The Audit Committee met eight times in 2014. The Investment Committee of the Board ("Investment Committee") is currently comprised of Ms. Fallon-Walsh (Chair), Mr. de Castries, Mr. de Oliveira, Mr. Hale, Mr. Pearson and Mr. Vaughan. The primary purpose of the Investment Committee is to oversee the investments of the Company by (i) taking actions with respect to the acquisition, management and disposition of investments and (ii) reviewing investment risk, exposure and performance, as well as the investment performance of products and accounts managed on behalf of third parties. The Investment Committee met four times in 2014. INDEPENDENCE OF CERTAIN DIRECTORS Although not subject to the independence standards of the New York Stock Exchange, as a best practice we have applied the independence standards required for listed companies of the New York Stock Exchange to the current members of the Board of Directors. Applying these standards, the Board of Directors has determined that Mr. de Oliveira, Ms. Fallon-Walsh, Mr. Hale, Mr. Scott, Ms. Slutsky and Mr. Vaughan are independent. CODE OF ETHICS All of our officers and employees, including our Chief Executive Officer, Chief Financial Officer and Chief Accounting Officer, are subject to the Policy Statement on Ethics (the "Code"), a code of ethics as defined under Regulation S-K. The Code is available on our website at www.axa.com. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 92 EXECUTIVE COMPENSATION COMPENSATION DISCUSSION AND ANALYSIS This section provides an overview of how we determine the compensation of our "Named Executive Officers." For 2014, our Named Executive Officers were: . MARK PEARSON, Chairman of the Board, President and Chief Executive Officer . ANDERS B. MALMSTROM, Senior Executive Director and Chief Financial Officer . NICHOLAS B. LANE, Senior Executive Director and Head of U.S. Life and Retirement . SALVATORE F. PIAZZOLLA, Senior Executive Director and Chief Human Resources Officer . DAVE S. HATTEM, Senior Executive Director and General Counsel . ROBERT O. ("BUCKY") WRIGHT, Senior Executive Director and Head of Wealth Management until September 19, 2014 The details of each Named Executive Officer's compensation may be found in the Summary Compensation Table and other compensation tables included in this section. NOTE: Executive officers of MLOA are employees of AXA Equitable Life Insurance Company ("AXA Equitable") and receive no compensation directly from MLOA. Rather, a portion of their compensation from AXA Equitable is allocated to MLOA under the Amended Services Agreement between AXA Equitable and MLOA, effective as of February 1, 2005 (the "Services Agreement"). As a result, the compensation discussion set forth below represents the compensation decisions of AXA Equitable. COMPENSATION PHILOSOPHY AND STRATEGY OVERVIEW The overriding goal of AXA Equitable's executive compensation program is to attract, retain and motivate top-performing executive officers who will dedicate themselves to the long-term financial and operational success of AXA Equitable and its parent, AXA Financial, Inc., as well as our ultimate parent and shareholder, AXA. To this end, AXA Equitable has structured the program to foster a pay-for-performance management culture by: . providing total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which AXA Equitable most directly competes in the marketplace; . making performance-based variable compensation the principal component of executive pay to drive superior performance by basing executive officers' financial success on the financial and operational success of AXA Financial Group's insurance-related businesses ("AXA Financial Life and Savings Operations") and AXA; . setting performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and medium-range and long-term business objectives, thereby providing individual executives with the opportunity to earn above-average compensation by achieving above-average results; . establishing equity-based arrangements that align executives' financial interests with those of AXA by ensuring executives have a material financial stake in the rising equity value of AXA and the business success of its affiliates; and . structuring compensation packages and outcomes to foster internal equity. COMPENSATION COMPONENTS To support this pay-for-performance strategy, AXA Equitable's total compensation program provides a mix of fixed and variable compensation components that bases the majority of each executive's compensation on the company's success and on an assessment of each executive's overall contribution to that success. Fixed Component The fixed compensation component of AXA Equitable's total compensation program, base salary, falls within the market median of the large financial services companies that are AXA Equitable's major competitors and is meant to fairly and competitively compensate executives for their positions and the scope of their responsibilities. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 93 Variable Components The variable compensation components of AXA Equitable's total compensation program, AXA Equitable's short-term incentive compensation program and AXA Equitable's equity-based awards, give executives the opportunity to receive compensation at the median of the market if they meet various corporate and individual financial and operational goals and at above the market average if they exceed their goals. The variable compensation components measure and reward performance with short-term, medium-term and long-term focuses. AXA Equitable's short-term incentive compensation program focuses executives on annual corporate and business unit goals that, when attained, drive global success. It also serves as the primary means for differentiating, recognizing and most directly rewarding individual executives for their personal achievements and leadership based on both qualitative and quantitative results. Equity-based awards are currently structured to reward both medium-term and long-term value creation. Performance unit and performance share awards granted in 2011, 2012 and 2013 serve as a medium range incentive, with a three-year vesting schedule. Starting with the 2014 performance share grant, AXA is transitioning to a four-year vesting schedule for performance shares to align with the regulatory environment and the recommendations of proxy advisors. Accordingly, the first half of the 2014 performance share grant will vest after three years and the second half will vest after four years. The 2015 performance share grant will complete the transition so that the entire grant will vest after four years. Stock options are intended to focus executives on a longer time horizon. Stock options are typically granted with vesting schedules of four or five years and terms of 10 years so that they effectively merge a substantial portion of each executive's compensation with the long-term financial success of AXA. AXA Equitable is confident that such a direct alignment of the long-term interests of AXA Equitable's executives with those of AXA, combined with the multi-year time-vesting and performance periods of such awards, promotes executive retention, focuses AXA Equitable's executives on gearing their performances to long-term value-creation strategies and discourages excessive risk-taking. HOW COMPENSATION DECISIONS ARE MADE ROLE OF THE AXA BOARD OF DIRECTORS The global framework governing the executive compensation policies for AXA Group and its U.S. subsidiaries, including AXA Equitable, is set and administered at the AXA level through the operations of AXA's Board of Directors. The AXA Board of Directors (i) oversees the activities of AXA, (ii) reviews the compensation policies that apply to executives of AXA Group worldwide, which are then adapted to local law, conditions and practices by the boards of directors and compensation committees of AXA's subsidiaries, and (iii) sets annual caps on equity-based awards and reviews and approves all AXA equity-based compensation programs prior to their implementation, which it does in accordance with French laws that govern equity-based compensation. The Compensation and Governance Committee of the AXA Board of Directors is responsible for reviewing the compensation of key executives of the AXA Group, including Mr. Pearson. The Compensation and Governance Committee also recommends to the AXA Board of Directors the amount of equity-based awards to be granted to the members of the Management Committee, an internal committee established to assist the Chairman and Chief Executive Officer of AXA with the operational management of the AXA Group. Mr. Pearson is a member of the Management Committee. The Compensation and Governance Committee is exclusively composed of directors determined to be independent by the AXA Board of Directors in accordance with the criteria set forth in the AFEP/MEDEF Code (a code of corporate governance principles issued by the French Association of Private Companies (Association Francaise des Entreprises Privees -- AFEP) and the French Confederation of Business Enterprises (Mouvement des Entreprises de France -- MEDEF). The Vice-Chairman of the Board of Directors - Lead Independent Director is associated with the Committee's work, even if not a member of the Committee, and presents the compensation policies of AXA each year at the AXA shareholder meeting. ROLE OF THE ORGANIZATION AND COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF AXA EQUITABLE Within the global framework of executive compensation policies that AXA has established, direct responsibility for overseeing the development and administration of the executive compensation program for AXA Equitable falls to the Organization and Compensation Committee (the "OCC") of the Board of Directors of AXA Equitable (the "Board of Directors"). The OCC consists of four members, all of whom were determined to be independent directors by the Board of Directors under New York Stock Exchange standards as of February 20, 2015. In implementing AXA's global compensation program at the entity level, the OCC is aided by the Chairman and Chief Executive Officer of AXA who, while not a formal member of the OCC, is a member of the Board of Directors and participates in the OCC's deliberations related to compensation issues and assists in ensuring coordination with AXA's global compensation policies. The OCC is primarily responsible for general oversight of compensation and compensation related matters, including reviewing new benefit plans, equity-based plans and the compensation practices of AXA Equitable to ensure they support AXA Equitable's business strategy and meet the objectives set by AXA for its global compensation policy. In particular, the OCC of AXA Equitable is responsible for: APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 94 . evaluating the performance of the Named Executive Officers and recommending to the Board of Directors their compensation, including their salaries and variable compensation; . supervising the policies relating to compensation of officers and employees; and . reviewing and approving corporate goals and objectives included in variable compensation arrangements and evaluating executive management performance in light of those goals and objectives. Following its review and discussion, the OCC submits its compensation recommendations to the Board of Directors for its discussion and approval. Pursuant to the provisions of the New York Insurance Law, the Board of Directors must approve the compensation of all principal officers of AXA Equitable and comparably paid employees. As of February 20, 2015, all of the Named Executive Officers were principal officers or comparably paid employees, except for Mr. Wright. ROLE OF THE CHIEF EXECUTIVE OFFICER AXA Equitable's Chief Executive Officer, Mr. Pearson, assists the OCC in its review of the total compensation of all the Named Executive Officers except himself. Mr. Pearson provides the OCC with his assessment of their performances relative to the corporate and individual goals and other expectations set for them for the preceding year. Based on these assessments, he then provides his recommendations for each Named Executive Officer's total compensation and the appropriate goals for each in the year to come. However, the OCC is not bound by his recommendations. Other than the Chief Executive Officer, no Named Executive Officer plays a decision-making role in determining the compensation of any other Named Executive Officer. As Chief Human Resources Officer, Mr. Piazzolla plays an administrative role as described below in "Role of AXA Equitable Human Resources." ROLE OF AXA EQUITABLE HUMAN RESOURCES AXA Equitable Human Resources supports the OCC's work on executive compensation matters, being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics. Human Resources efforts include, among other things: . evaluating the compensation data from peer groups, national executive pay surveys and other sources for the Named Executive Officers and other officers as appropriate; . gathering and correlating performance ratings and reviews for individual executive officers, including the Named Executive Officers; . reviewing executive compensation recommendations against appropriate market data and for internal consistency and equity; and . reporting to, and answering requests for information from, the OCC. Human Resources officers also coordinate and share information with their counterparts at our ultimate parent company, AXA, and take part in its annual comprehensive review of the total compensation of executive officers, as described below in the section entitled "Executive Compensation Review." ROLE OF COMPENSATION CONSULTANT Towers Watson continues to be retained by AXA Equitable to serve as an executive compensation consultant. Towers Watson provides various services including advising senior management on various issues relating to AXA Equitable's executive compensation practices and providing market information and analysis regarding the competitiveness of AXA Equitable's total compensation program. During 2014, Towers Watson performed the following specific services: . performed a risk assessment on AXA Equitable's 2014 short-term and long-term incentive plans; . prepared a comparative review of the total compensation of Mr. Pearson against that received by chief executive officers at peer companies; . provided periodic updates on legal, accounting and other developments and trends affecting compensation and benefits generally and executive compensation specifically; APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 95 . offered a competitive review of total compensation (including base salary, targeted and actual annual incentives, annualized value of long-term incentives, welfare and retirement benefits) against selected peer companies, covering specific groups of executive and director positions; and . assisted in analyzing general reports published by third party national compensation consultants on corporate compensation and benefits. Although executive management of Human Resources of AXA Equitable has full authority to approve all fees paid to Towers Watson, determine the nature and scope of its services, evaluate its performance and terminate its engagement, the OCC reviewed the services to be provided by Towers Watson in 2014 as well as the related fees. The total amount of fees paid to Tower Watson by AXA Equitable in 2014 was approximately $145,973, including $81,973 for compensation support (including the risk assessment) and $64,000 for talent management. The AXA Financial Group may also pay fees to Towers Watson from time to time for actuarial services unrelated to its compensation programs. AXA and other AXA affiliates may also pay fees to Towers Watson for various services. USE OF COMPETITIVE COMPENSATION DATA Because AXA Equitable competes most directly for executive talent with other large diversified financial services companies, AXA Equitable regards it as essential to regularly review the competitiveness of its total compensation program for its executives to ensure that it is providing compensation opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by AXA Equitable's peer companies. AXA Equitable uses a variety of sources of compensation information to benchmark the competitive market for AXA Equitable's executives, including AXA Equitable's Named Executive Officers. PRIMARY COMPENSATION DATA SOURCE For all Named Executive Officers, AXA Equitable currently relies primarily on the Tower Watson U.S. Diversified Insurance Study of Executive Compensation for information to compare their total compensation to the total compensation reported for equivalent executive officer positions, paid by peer groups of companies. For the 2013 study (which was used in determining 2014 compensation), the companies included: AFLAC ING Phoenix Companies AIG John Hancock Principal Financial Allstate Lincoln Financial Prudential Financial CIGNA Massachusetts Mutual Securian Financial CNO Financial MetLife Sun Life Financial Genworth Financial Nationwide Thrivent Financial Guardian Life New York Life TIAA-CREF Hartford Financial Northwestern Mutual Transamerica OneAmerica Financial Unum Group Pacific Life USAA OTHER COMPENSATION DATA SOURCES AXA Equitable supplements the above U.S. compensation data source with additional information from general surveys of corporate compensation and benefits published by various national compensation consulting firms. AXA Equitable also participates in surveys conducted by Mercer, McLagan Partners, Towers Watson and LOMA Executive Survey to benchmark both AXA Equitable's executive and non-executive compensation programs. All these information sources are employed to measure and compare actual pay levels not only on a total compensation basis but also by breaking down AXA Equitable's total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed versus variable, short-term versus long-term and cash versus equity-based compensation at AXA Equitable's peer companies. This information, as collected and reviewed by Human Resources, is submitted to the OCC for review and discussion. PRICING PHILOSOPHY AXA Equitable designs its compensation practices with the aid of the market data to target the total compensation of each Named Executive Officer at the median for total compensation with respect to the pay for comparable positions at the appropriate peer group. AXA Equitable's analysis takes into account certain individual factors such as the specific characteristics and responsibilities of a particular Named Executive APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 96 Officer's position as compared to similarly situated executives at peer companies. Differences in the amounts of total compensation for the Named Executive Officers in 2014 resulted chiefly from differences in each executive's level of responsibilities, tenure, performance and appropriate benchmark data as well as general considerations of internal consistency and equity. EXECUTIVE COMPENSATION REVIEW In addition to the foregoing processes, each year AXA Human Resources conducts a comprehensive review of the total compensation paid to the top approximately 200 executives of AXA Group worldwide, including all the Named Executive Officers except Mr. Pearson since compensation of the members of AXA's Management Committee is reviewed separately by the Compensation and Governance Committee of the AXA Board of Directors. The Management Committee participates in this review which focuses on the executives' performance over the last year and the decisions made about their compensation in light of those performances. AXA Equitable Human Resources provides detailed information to AXA Human Resources in preparation for the review. COMPONENTS OF THE TOTAL REWARDS FOR AXA EQUITABLE'S EXECUTIVE OFFICERS AXA Equitable provides a Total Rewards Program for the Named Executive Officers that consists of six components. These components include the three components of AXA Equitable's total compensation program (i.e., base salary, short-term incentive compensation and equity-based awards) as well as: (i) retirement, health and other benefit programs, (ii) severance and change-in-control benefits and (iii) perquisites. BASE SALARY The primary purpose of base salary is to compensate each Named Executive Officer fairly based on the position held, the Named Executive Officer's career experience, the scope of the position's responsibilities and the Named Executive Officer's own performance, all of which are reviewed with the aid of market survey data. Using this data, AXA Equitable maintains a 50th percentile pricing philosophy, comparing AXA Equitable's base salaries against the median for comparable salaries at peer companies, unless exceptional conditions require otherwise (for example, Mr. Piazzolla's initial base salary was set at a higher level to match his compensation at his prior employer and to include an additional amount in lieu of providing Mr. Piazzolla with a housing allowance; Mr. Malmstrom's base salary includes an additional amount in lieu of providing Mr. Malmstrom with a housing or education allowance) or a Named Executive Officer's experience and tenure warrant a lower initial salary with an adjustment to market over time. Once set, base salaries for the Named Executive Officers are usually not increased, except to reflect a change in job responsibility, a sustained change in the market compensation for the position or a market adjustment for a Named Executive Officer whose initial base salary was set below the 50th percentile. Mr. Pearson is the only Named Executive Officer with an employment agreement. Under this agreement, Mr. Pearson's employment will continue until he is age 65 unless the employment agreement is terminated earlier by either party on 30 days' prior written notice. Mr. Pearson is entitled to a minimum rate of base salary of $1,150,000 per year, except that his rate of base salary may be decreased in the case of across-the-board salary reductions similarly affecting all officers with the title of Executive Director or higher. In setting Mr. Pearson's base salary, the company included an additional amount in lieu of providing Mr. Pearson with a housing allowance. In 2014, Mr. Pearson received an increase of $27,000 and Mr. Hattem received an increase of $50,000 in their annual rate of base salary to reflect market data. The base salaries earned by the Named Executive Officers in 2014 (and in the prior two fiscal years) are reported in the Summary Compensation Table included in this section. SHORT-TERM INCENTIVE COMPENSATION PROGRAM Annual variable cash awards for the Named Executive Officers are available under The AXA Equitable Short-Term Incentive Compensation Program (the "STIC Program"). The purpose of the STIC Program is to: . align incentive awards with the company's strategic objectives and reward employees based on both company and individual performance; . enhance the performance assessment process with a focus on accountability; . establish greater compensation differentiation based on performance; . provide competitive total compensation opportunities; and APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 97 . attract, motivate and retain top performers. The STIC Program awards are typically made in February each year, following review of each participant's performance and achievements over the course of the preceding fiscal year. Awards can vary from year to year, and differ by participant, depending primarily on the business and operational results of AXA Financial Life and Savings Operations, as measured by the performance objectives under the STIC Program with a discretionary adjustment as described below under "DISCRETIONARY ADJUSTMENT BY MANAGEMENT COMMITTEE," as well as the participant's individual contributions to those results. No individual is guaranteed any award under the STIC Program, except for certain limited guarantees for new hires. Individual Targets Initially, individual target awards are assigned to each STIC Program participant based on evaluations of competitive market data for his or her position. These individual award targets are reviewed each year and may be increased or decreased, but generally remain constant from year to year unless there has been a significant change in the level of the participant's responsibilities or a proven and sustained change in the market compensation for the position. STIC Program Pool All the money available to pay STIC Program awards to the Named Executive Officers (other than Mr. Pearson) and certain other executive officers comes from, and is limited by, a cash pool (the "STIC Pool") from which the awards of all the Named Executive Officers other than Mr. Pearson are paid. The size of this pool is determined each year by a formula under which the sum of all the individual award targets established for all the STIC Pool participants for the year is multiplied by a funding percentage (the "Funding Percentage"). The Funding Percentage is determined by combining the individual performance percentages for AXA Financial Life and Savings Operations (weighted 90%) and AXA Group (weighted 10%) which measure their performance against certain financial and other targets. The performance of the Investment Management segment of AXA Equitable is not considered for this purpose since it reports the business of AllianceBernstein, the officers of which do not participate in the STIC Program. AllianceBernstein maintains separate compensation plans and programs. After the performance percentage for AXA Financial Life and Savings Operations is determined, it may be adjusted positively or negatively by the Management Committee, as described below, before being combined with the AXA Group performance percentage to arrive at the Funding Percentage. Mr. Pearson's STIC Program award is determined independently of the STIC Pool and is based 20% on AXA Group's performance (which reflects his broader range of performance responsibilities within AXA Group worldwide as a member of the Management Committee), 30% on the performance of AXA Financial Life and Savings Operations and 50% on his individual performance. Performance Percentages Various performance objectives are established for AXA Financial Life and Savings Operations, and a target is set for each one. Each performance objective is separately subject to a 150% cap and a 50% cliff. For example, if a particular performance objective is weighted 15% for AXA Financial Life and Savings Operations, 15% will be added to the overall performance percentage for AXA Financial Life and Savings Operations if that target is met, regardless of AXA Financial Life and Savings Operations' performance on its other objectives. If the target for that performance objective is exceeded, the amount added to the overall performance percentage for AXA Financial Life and Savings Operations will be increased up to a maximum of 22.5% (150% x 15%). If the target for the performance objective is not met, the amount added to the performance percentage will be decreased down to a threshold of 7.5% (50% x 15%). If performance is below the threshold for a performance objective, 0% will be added to AXA Financial Life and Savings Operations' overall performance percentage. AXA FINANCIAL LIFE AND SAVINGS OPERATIONS -- The following grid presents the targets for each of the performance objectives used to measure the performance of AXA Financial Life and Savings Operations in 2014, along with their relative weightings. The performance objectives for AXA Financial Life and Savings Operations and their relative weightings are standardized for AXA Group life and savings companies in mature markets worldwide and, accordingly, are not measures calculated and presented in accordance with generally accepted accounting principles in the United States.
AXA FINANCIAL LIFE AND SAVINGS OPERATIONS PERFORMANCE OBJECTIVES WEIGHTING TARGET/(1)/ ----------------------------------------- --------- ------------- Underlying earnings/(2)/.......................... 45.0% 940 Economic expenses/(3)/............................ 10.0% 1,177 Gross Written Premiums/(4)/....................... 15.0% 2,261 Return on Capital/(5)/............................ 15.0% 5.30% Customer Centricity/(6)/ Customer Experience Tracking.................... 10.0% 3.5% - 7.5% Brand Preference Tracking....................... 5.0% 22.0% - 25.0%
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 98 /(1)/All numbers other than those stated in percentages are in millions of U.S. dollars. /(2)/"Underlying earnings" means adjusted earnings excluding net capital gains or losses attributable to shareholders. Adjusted earnings means net income before the impact of exceptional and discontinued operations, certain integration and restructuring costs, goodwill and other related intangibles and profit or loss on financial assets accounted for under the fair value option and derivatives. Underlying earnings and adjusted earnings are measured using International Financial Reporting Standards ("IFRS") since AXA uses IFRS as its principal method of accounting. /(3)/"Economic expenses" means various controllable expenses as determined by AXA. /(4)/"Gross Written Premiums" means total premiums (first year premiums plus renewal premiums) for pure life insurance protection business. /(5)/"Return on Capital" means the IFRS adjusted earnings of the AXA Financial Group (excluding AllianceBernstein) divided by: (a) the opening allocated shareholders' equity for AXA Financial Life and Savings Operations, plus (b) the adjusted earnings of the AXA Financial Group (excluding AllianceBernstein), minus (c) dividends and other similar payments to AXA, plus (d) any capital contributions from AXA. /(6)/"Customer Centricity" is comprised of two components -- Customer Experience Tracking and Brand Preference Tracking. Generally, Customer Experience Tracking measures customers' level of satisfaction based on the percentage of unfavorable responses received for a certain customer survey question. Brand Preference Tracking measures brand awareness among a representative sample of U.S. consumers aged 18 -- 80 who currently own a life insurance or annuity product based on the percentage of favorable responses received for a certain market research survey question. Since the performance objectives are meant to cover only the key performance indicators for a year, there are generally no more than five objectives. The performance objectives are determined based on AXA's strategy and focus and may change from year to year as different metrics may become more relevant. For example, the weighting of underlying earnings was increased for the 2014 STIC Program grid from 40% to 45% to reflect the belief that it is the strongest indicator of performance for a year and should be the dominant metric to determine an executive's annual incentive income. Similarly, operating free cash flow was replaced with return on capital to reflect that return on capital is simpler to calculate and understand, is more aligned to reported financial information and incentivizes an increase in annual performance with limited capital injections. AXA GROUP -- AXA Group's performance is primarily based on underlying earnings per share (65%). Return on equity (20%) and customer scope (15%) are also considered. For this purpose, "return on equity" means the ratio of the change in available financial resources for a year to the average short-term economic capital. Short-term economic capital measures the portion of the available financial resources that could be lost in a year if a 1 in 200 year "shock" were to occur. Discretionary Adjustment by the Management Committee As stated above, the performance percentage for AXA Financial Life and Savings Operations may be adjusted by the Management Committee before being combined with AXA's performance percentage to arrive at the Funding Percentage. When making this adjustment, the Management Committee may consider AXA Financial Life and Savings Operations' performance against certain quantitative metrics and qualitative goals set by AXA at the beginning of the year and may increase or decrease the Performance Percentage by 15%, subject to an overall cap of 150% for the Funding Percentage. With respect to 2014, the Management Committee made a negative adjustment of 2%. Individual Determinations Once the STIC Pool is determined, it is allocated to participants in the STIC Program based on their individual performance and demonstrated leadership behaviors. As stated above, no participant is guaranteed his or her target award or any award under the STIC Program except for certain limited guarantees for new hires. This section describes how the amounts of the STIC Program awards for the Named Executive Officers were determined. The OCC reviewed the performance of each Named Executive Officer during 2014 except Mr. Wright since he entered into a separation agreement in 2014 as described below under "Severance Arrangements." Based on its subjective determination of each Named Executive Officer's performance, the OCC made its recommendations as to the STIC Program award for each Named Executive Officer to the AXA Equitable Board of Directors who approved the final award amounts. In making its recommendations, the OCC took into account the factors that it deemed relevant, including the following accomplishments achieved in 2014 and the Funding Percentage. The accomplishments included: . AXA Financial Group continued to make solid progress in offering a more balanced, innovative and diversified product portfolio and building distribution by: (i) introducing Brightlife Term/SM/, a term life policy that provides customers with low-cost protection for temporary needs, (ii) developing the Escrow Shield Plus Agreement (developed in 2014 and introduced to the market in first quarter 2015), a funding agreement that offers an alternative to an escrow account used in a merger or acquisition transaction, (iii) launching 1290 Funds, an open-end investment company currently consisting of three retail mutual funds and (iv) entering into partnerships with property and casualty carriers to distribute the group's products; APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 99 . AXA Financial Group actively managed capital, including delevering AXA Equitable through the repayment of $825 million of surplus notes; . AXA Equitable continued to take steps to reduce the risk associated with the in-force business including completing a program to purchase from certain policyholders the GMDB and GMIB riders contained in their Accumulator(R) contracts which the company believes was mutually beneficial to the company and policyholders who no longer needed or wanted the GMDB and GMIB rider; . AXA Financial Group grew its Employer Sponsored business with annualized premium equivalent growth of 10% versus industry decline of 7% in target segments; . AXA Equitable achieved significant productivity savings through management actions including headcount third party spend reductions and corporate benefit changes; . AXA Equitable significantly grew overall employee engagement with improvement in all thirteen dimensions of feedback on its annual employee survey; and . AXA Equitable's Syracuse Employer Sponsored Call Center received the DALBAR Annuity Service Award for the fourth consecutive year, recognizing the team as one of the top call centers in the industry. No specific weight was assigned to any particular factor and all were evaluated in the aggregate to arrive at the recommended STIC Program award for each of the Named Executive Officers. The STIC Program awards earned by the Named Executive Officers in 2014 (and in the prior two fiscal years) are reported in the Summary Compensation Table included in this section. EQUITY-BASED AWARDS Annual equity-based awards for AXA Equitable's officers, including the Named Executive Officers, are available under the umbrella of AXA's global equity program. The value of the equity-based awards is linked to the performance of AXA's stock. The purpose of the equity-based awards is to: . align strategic interests of participants with those of our ultimate parent and shareholder, AXA; . provide competitive total compensation opportunities; . focus on achievement of medium-range and long-term strategic business objectives; and . attract, motivate and retain top performers. Each year, AXA Equitable's OCC submits to the AXA Board of Directors recommendations with respect to equity-based awards for officers, including the Named Executive Officers. The AXA Board of Directors approves individual grants as it deems appropriate. For 2014, proposed grants under AXA's global equity program involved a mix of two equity-based components: (1) AXA ordinary share options and (2) AXA performance shares. U.S. employees are granted AXA ordinary share options under the AXA Stock Option Plan for AXA Financial Employees and Associates (the "Stock Option Plan") and are granted AXA performance shares under the AXA International Performance Share Plan (the "International Performance Shares Plan"). Both the Stock Option Plan and the International Performance Shares Plan are subject to the oversight of the AXA Board of Directors, which is authorized to approve all stock option and performance share programs within AXA Group prior to their implementation within the global cap for grants authorized by AXA's shareholders. The AXA Board of Directors is also responsible for setting the size of the equity pool each year, after considering the amounts authorized by shareholders for stock options (AXA's shareholders authorize a global cap for option awards every three to four years) and the recommendations of chief executive officers or boards of directors of affiliates worldwide on the number of option and performance share grants for the year. The pools are allocated annually among AXA Group affiliates based on each affiliate's contribution to AXA Group's financial results during the preceding year and with consideration for specific local needs (e.g., market competitiveness, consistency with local practices, group development). The AXA Board of Directors sets the mix of performance shares and stock options for individual grants, which is standardized through AXA Group worldwide. Since 2004 there has been an increasing reliance on performance shares or units over stock options in equity-based awards since performance shares and units reduce the dilutive effects that accompany grants of stock options. In 2014, equity grants were awarded entirely in performance shares at the senior and junior officer levels. Executive officers have continued to receive a portion of their grant in stock options, however, since stock options are a long-term award and AXA believes that executive officers should have more of a long-term focus. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 100 Equity-based awards are granted using dollar values. These dollar values are determined by the OCC based on its review of comparable market data and individual performance. The dollar values are converted into euros using the U.S. dollar to euro exchange rate at the time of grant. The resulting euro grant value is then allocated between stock options and performance shares in accordance with the mix determined by the AXA Board of Directors. For 2014, the number of performance shares was then determined by dividing the portion of the euro grant value allocated to the performance shares by the value of one performance share as determined using a Black-Scholes pricing methodology. The number of stock options was then determined by multiplying the number of performance shares by approximately 1.67. Note that the stock option and performance share values used in determining the amount of a grant are based on assumptions which differ from the assumptions used in determining an option's or performance share's grant date fair value reflected in the Summary Compensation Table which is based on FASB ASC Topic 718. 2014 GRANTS OF EQUITY-BASED AWARDS On March 24, 2014, stock option and performance shares grants were made to the Named Executive Officers by the AXA Board of Directors taking into account the available equity pool allocation and based on a review of each officer's potential future contributions, consideration of the importance of retaining the officer in his current position, a review of competitive market data relating to equity-based awards for similar positions at peer companies, as described above in the section entitled, "Use of Competitive Compensation Data," and the recommendations of the AXA Equitable OCC. For Mr. Pearson, his equity-based award was comprised of approximately 30% stock options and 70% performance shares. For the Named Executive Officers other than Mr. Pearson, the equity-based award was comprised of approximately 35% stock options and 65% performance shares. The amounts were as follows: Mr. Pearson received 123,400 stock options and 73,900 performance shares. Mr. Malmstrom received 36,620 stock options and 21,800 performance shares. Mr. Piazzolla received 22,510 stock options and 13,400 performance shares. Mr. Lane received 67,700 stock options and 40,300 performance shares. Mr. Wright received 22,510 stock options and 13,400 performance shares. Mr. Hattem received 33,940 stock options and 20,200 performance shares. Stock Options The stock options granted to the Named Executive Officers on March 24, 2014 have a 10-year term and a vesting schedule of five years, with one-third of the grant vesting on each of the third, fourth and fifth anniversaries of the grant, provided that the last third will be exercisable from March 24, 2019 only if the AXA ordinary share performs at least as well as the DowJones Europe Stoxx Insurance Infdex over a specified period (this performance condition applies to all of Mr. Pearson's options). The exercise price for the options is 18.68 euro, which was the average of the closing prices for the AXA ordinary share on NYSE Euronext Paris SA over the 20 trading days immediately preceding March 24, 2014. In the event of a Named Executive Officer's retirement, the stock options continue to vest and may be exercised until the end of the term, except in the case of misconduct. Accordingly, since Mr. Hattem and Mr. Pearson are currently eligible to retire, these stock options will not be forfeited due to any service condition. Performance Shares 50% of the performance shares granted to the Named Executive Officers on March 24, 2014 have a cliff vesting schedule of three years (first tranche) and the remaining 50% have a cliff vesting schedule of four years (second tranche). The performance shares will be settled in shares. A performance share is a "phantom" share of AXA stock that, once earned and vested, provides the right to receive an AXA ordinary share at the time of payment. Performance shares are granted unearned. Under the 2014 International Performance Shares Plan, the number of shares that is earned is determined for the first tranche at the end of a two-year performance period starting on January 1, 2014 and ending on December 31, 2015 and for the second tranche at the end of a three-year performance period, starting on January 1, 2014 and ending on December 31, 2016, by multiplying the number of shares granted for the applicable tranche by a performance percentage that is determined based on the performance of AXA Group and AXA Financial Life and Savings Operations over the applicable performance period. For each tranche, an additional year of service after the performance period has ended is required for the tranche to vest. If no dividend is paid by AXA during the applicable performance period, the performance percentage for the applicable tranche will be divided in half. PERFORMANCE OBJECTIVES -- AXA and AXA Financial Life and Savings Operations each have their own performance objectives under the 2014 International Performance Shares Plan, with AXA Group's performance over the applicable performance period counting for one-third and AXA Financial Life and Savings Operations' performance over the same applicable period counting for two-thirds toward the final determination of how many performance shares a participant has earned for the applicable tranche. If performance targets are met, 100% of the performance shares of the applicable tranche initially granted is earned. Performance that exceeds the targets results in increases in the number of shares earned for the applicable tranche, subject to a cap of 130% of the initial number of shares. Performance that falls short of targets results in a decrease in the number of shares earned for the applicable tranche with a possible forfeiture of all shares for such tranche. Since AXA uses IFRS as its principal method of accounting, the performance objectives are measured using IFRS. Accordingly, the performance objectives are not measures calculated and presented in accordance with generally accepted accounting principles in the United States. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 101 For performance shares granted under the 2014 International Performance Shares Plan, the performance objectives are:
AXA FINANCIAL LIFE AND SAVINGS AXA GROUP (1/3 WEIGHT) OPERATIONS (2/3 WEIGHT) ---------------------- ------------------------------------- .. Net Income Per Share .Net Income/(1)/ (weighted 50%) .Underlying Earnings (weighted 50%)
/(1)/Net income means net income as determined under IFRS. For AXA Group, net income per share is the key performance objective since it is aligned with shareholder dividends and provides differentiation from the STIC Program performance objectives. For AXA Financial Life and Savings Operations, underlying earnings is included as a performance objective since it measures operating performance. PAYOUT -- The settlement of 2014 performance shares will be made in AXA ordinary shares on March 24, 2017 for the first tranche and March 24, 2018 for the second tranche or on the immediately following day that is a business day if such dates are not business days. The 2014 plan provides that, in the case of retirement, a participant is treated as if he or she continued employment until the settlement date. Accordingly, Mr. Hattem and Mr. Pearson will still receive payouts under this plan if they choose to retire prior to the end of the vesting period for either tranche. PAYOUT OF 2011 PERFORMANCE UNITS IN 2014 In 2014, the Named Executive Officers received the payout of their performance units under AXA's 2011 Performance Unit Plan. The payout of the units was in cash. The 2011 Performance Unit Plan was similar to the 2014 International Performance Shares Plan except that 100% of the units earned were vested after three years, on March 18, 2014. Also, settlement was in cash rather than stock. As in the 2014 International Performance Shares Plan, AXA Financial Life and Savings Operations and AXA Group each had their own performance objectives under the 2011 Performance Unit Plan, with AXA Financial Life and Savings Operations' performance over a two-year performance period (i.e., January 1, 2011 through December 31, 2012) counting for two-thirds and AXA Group's performance over the same period counting for one-third toward the final determination of how many performance units a participant earned. AXA Group's performance was based on net income per share while AXA Financial Life and Savings Operations' performance was based on net income (weighted 50%) and underlying earnings (weighted 50%). The performance percentage that was ultimately achieved under the plan was 73.62%%. Detailed information on the stock option and performance share grants for each of the Named Executive Officers in 2014 is reported in the 2014 Grants of Plan-Based Awards Table included in this section. OTHER COMPENSATION AND BENEFITS AXA Equitable believes a comprehensive benefits program that offers long-term financial support and security for all employees plays a critical role in attracting high caliber executives and encouraging their long-term service. Accordingly, it offers employees, including the Named Executive Officers, a benefits program that includes group health and disability coverage, group life insurance and various deferred compensation and retirement benefits. AXA Equitable reviews the program from time to time to ensure that the benefits it provides continue to serve AXA Equitable's business objectives and remain cost-effective and competitive with the programs offered by other diversified financial services companies. TAX-QUALIFIED RETIREMENT PLANS The following tax-qualified retirement plans are offered to eligible employees, including the Named Executive Officers, except Mr. Malmstrom who continues to participate in the Switzerland retirement fund: AXA EQUITABLE 401(K) PLAN (THE "401(K) PLAN"). AXA Equitable sponsors the 401(k) Plan, a tax-qualified defined contribution plan with a cash or deferred arrangement, for its eligible employees, including the Named Executive Officers except for Mr. Malmstrom. Eligible employees may contribute to the 401(k) Plan on a before tax, after-tax, or Roth 401(k) basis (or any combination of the foregoing), up to a percentage of annual eligible compensation as defined in the plan. Before-tax and Roth 401(k) contributions are subject to contribution limits ($17,500 in 2014 and $18,000 in 2015) and compensation limits ($260,000 in 2014 and $265,000 in 2015) imposed by the Internal Revenue Code of 1986, as amended (the "Code"). The 401(k) Plan provides participants with the opportunity to earn a discretionary profit sharing contribution APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 102 and a company contribution. The discretionary profit sharing contribution for a calendar year is based on company performance for that year and ranges from 0% to 4% of annual eligible compensation (subject to Code limits). Any contribution for a calendar year is expected to be made in the first quarter of the following year. A profit sharing contribution of 2.5% of annual eligible compensation is expected to be made for the 2014 plan year. The company contribution for a calendar year is based on the following formula and subject to Code limits: (i) 2.5% of eligible compensation up to the Social Security Wage Base ($117,000 in 2014 and $118,500 in 2015) plus, (ii) 5.0% of eligible compensation in excess of the Social Security Wage Base, up to the qualified plan compensation limit ($260,000 in 2014 and $265,000 in 2015). AXA EQUITABLE RETIREMENT PLAN (THE "RETIREMENT PLAN"). AXA Equitable sponsors the Retirement Plan, a tax-qualified defined benefit plan, for its eligible employees, including the Named Executive Officers except Mr. Malmstrom and Mr. Wright. The Retirement Plan provides for retirement benefits upon reaching age sixty-five and has provisions for early retirement, death benefits and benefits upon termination of employment for vested participants. It has a three-year cliff-vesting schedule. The Retirement Plan was frozen to new participants effective on December 31, 2013 and accruals of benefits generally ceased to accrue. Prior to the freeze, the Retirement Plan provided a cash balance benefit whereby AXA Equitable established a notional account in the name of each Retirement Plan participant. The notional account was credited with deemed pay credits equal to 5% of eligible compensation up to the social security wage base plus 10% of eligible compensation above the social security wage base up to the qualified plan compensation limit. These notional accounts continue to be credited with deemed interest credits. For pay credits earned on or after April 1, 2012 up to December 31, 2013, the interest rate is determined annually based on the average discount rates for one-year Treasury Constant Maturities. For pay credits earned prior to April 1, 2012, the annual interest rate is the greater of 4% or a rate derived from the average discount rates for one-year Treasury Constant Maturities. For 2014, pay credits earned prior to April 1, 2012 received an interest crediting rate of 4% while pay credits earned on or after April 1, 2012, received an interest crediting rate of .25%. For certain grandfathered participants, the Retirement Plan provides benefits under a formula based on final average pay, estimated Social Security benefits and service. None of the Named Executive Officers are grandfathered participants. MONY LIFE RETIREMENT INCOME SECURITY PLAN FOR EMPLOYEES ("RISPE"). As a former employee of MONY Life, Mr. Wright participates in RISPE, a tax-qualified defined benefit plan sponsored by AXA Financial for former employees of MONY Life. RISPE provides for retirement benefits upon reaching age sixty-five and has provisions for early retirement, death benefits and benefits upon termination of employment for vested participants. RISPE was frozen to new entrants on July 8, 2004. It has a three-year cliff-vesting schedule. For certain grandfathered participants, including Mr. Wright, RISPE provides benefits under a formula based on final average pay and years of accrual service. This formula benefit was frozen as of December 31, 2013. For additional information on retirement plan benefits for the Named Executive Officers, see the Pension Benefits Table included in this section. NONQUALIFIED RETIREMENT PLANS AXA EQUITABLE EXCESS RETIREMENT PLAN (THE "EXCESS PLAN"). AXA Equitable sponsors the Excess Plan which allows eligible employees, including the Named Executive Officers except Mr. Malmstrom and Mr. Wright, to earn retirement benefits in excess of what is permitted under the Code with respect to the Retirement Plan. The Excess Plan was generally frozen as of December 31, 2013. Prior to the freeze of the Retirement Plan, the Excess Plan permitted participants, including the Named Executive Officers, to accrue and be paid benefits that they would have earned and been paid under the Retirement Plan but for certain Code limits. AXA FINANCIAL, INC. EXCESS BENEFIT PLAN FOR SELECT EMPLOYEES (THE "RISPE EXCESS PLAN"). As a former employee of MONY Life, Mr. Wright participated in the RISPE Excess Plan (prior to October 1, 2013, the Excess Benefit Plan for MONY Employees) which is sponsored by AXA Financial and allows former employees of MONY Life to earn retirement benefits in excess of what is permitted under the Code with respect to RISPE. The RISPE Excess Plan was generally frozen as of December 31, 2013. Prior to the freeze of RISPE, the RISPE Excess Plan permitted participants, including Mr. Wright, to accrue and be paid benefits that they would have earned and been paid under RISPE but for certain Code limits. EXCESS 401(K) CONTRIBUTIONS. Because AXA Equitable believes that excess plans are an important component of competitive market-based compensation in both AXA Equitable's peer group and generally, AXA Equitable began providing excess 401(k) contributions for participants in the 401(k) Plan with eligible compensation in excess of the qualified plan compensation limit on January 1, 2014. These contributions are equal to 10% of the participant's (i) eligible compensation in excess of the qualified plan compensation limit and (ii) voluntary deferrals to the AXA Equitable Post-2004 Variable Deferred Compensation Plan for Executives (the "Post-2004 Plan") for the applicable year, and are made to the Post-2004 Plan. Mr. Malmstrom is not eligible to receive such excess 401(k) contributions. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 103 NONQUALIFIED DEFERRED COMPENSATION PLAN THE AXA EQUITABLE POST-2004 VARIABLE DEFERRED COMPENSATION PLAN FOR EXECUTIVES (THE "POST-2004 PLAN"). AXA Equitable sponsors the Post-2004 Plan which allows eligible employees to defer the receipt of compensation. The amount deferred is credited to a bookkeeping account established in the participant's name and participants may choose from a range of nominal investments according to which their accounts rise or decline. Participants annually elect the amount they want to defer, the date on which payment of their deferrals will begin and the form of payment. In addition, effective January 1, 2014, excess 401(k) contributions are made to the Post-2004 Plan. AXA Equitable believes that compensation deferral is a cost-effective method of enhancing the savings of executives. For additional information on these plan benefits for the Named Executive Officers, see the Nonqualified Deferred Compensation Table included in this section. FINANCIAL PROTECTION THE AXA EQUITABLE EXECUTIVE SURVIVOR BENEFITS PLAN (THE "ESB PLAN"). AXA Equitable sponsors the ESB Plan which offers financial protection to a participant's family in the case of his or her death. Eligible employees may choose up to four levels of coverage and the form of benefit to be paid at each level. Each level provides a benefit equal to one times the participant's eligible compensation (generally, base salary plus higher of most recent short-term incentive compensation award and the average of the three highest short-term incentive compensation awards) and offers different coverage choices. Generally, the participant can choose between a life insurance death benefit and a deferred compensation benefit payable upon death at each level. SEVERANCE ARRANGEMENTS THE AXA EQUITABLE SEVERANCE BENEFIT PLAN (THE "SEVERANCE PLAN"). AXA Equitable sponsors the Severance Plan to provide severance benefits to eligible employees whose jobs are eliminated for specific defined reasons. The Severance Plan generally bases severance payments to eligible employees on length of service or base salary. Payments are capped at 52 weeks' of base salary or, in some cases, $300,000. To obtain benefits under the Severance Plan, participants must execute a general release and waiver of claims against AXA Equitable and affiliates. For Named Executive Officers, the general release and waiver of claims typically includes non-competition and non-solicitation provisions. THE AXA EQUITABLE SUPPLEMENTAL SEVERANCE PLAN FOR EXECUTIVES (THE "SUPPLEMENTAL SEVERANCE PLAN"). AXA Equitable sponsors the Supplemental Severance Plan for officers at the level of Executive Director or above. The Supplemental Severance Plan is intended solely to supplement, and is not duplicative of, any severance benefits for which an executive may be eligible under the Severance Plan. The Supplemental Severance Plan provides that eligible executives will receive, among other benefits: . Severance payments equal to 52 weeks' of base salary, reduced by any severance payments for which the executive may be eligible under the Severance Plan; . Additional severance payments equal to the greater of: a. The most recent short-term incentive compensation award paid to the executive; b. The average of the three most recent short-term incentive compensation awards paid to the executive; and c. The annual target short-term incentive compensation award for the executive for the year in which he or she receives notice of job elimination; and . A lump sum payment equal to the sum of: (a) the executive's short-term incentive compensation for the year in which the executive receives notice of job elimination, pro-rated based on the number of the executive's full calendar months of service in that year and (b) $40,000. MR. PEARSON'S EMPLOYMENT AGREEMENT. Mr. Pearson waived the right to receive any benefits under the Severance Plan or the Supplemental Severance Plan. Rather, his employment agreement provides that, if his employment is terminated by AXA Equitable prior to his attaining age 65 other than for cause, excessive absenteeism or death, or Mr. Pearson resigns for "good reason," Mr. Pearson will be entitled to certain severance benefits, including (i) severance pay equal to the sum of two years of salary and two times the greatest of: (a) Mr. Pearson's most recent bonus, (b) the average of Mr. Pearson's last three bonuses and (c) Mr. Pearson's target bonus for the year in which termination occurred, (ii) a pro-rated bonus at target for the year of termination and (iii) a cash payment equal to the additional employer contributions that Mr. Pearson would have received under the 401(k) Plan and its related excess plan for the year of his termination if those plans provided employer contributions on his severance pay. For this purpose, "good reason" includes a material reduction in Mr. Pearson's duties or authority, the removal of Mr. Pearson from his positions, AXA Equitable requiring Mr. Pearson to be based at an office APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 104 more than 75 miles from New York City, a diminution of Mr. Pearson's titles, a material failure by the company to comply with the agreement's compensation provisions, a failure of the company to secure a written assumption of the agreement by any successor company and a change in control of AXA Financial (provided that Mr. Pearson delivers notice of termination within 180 days after the change in control). The severance benefits are contingent upon Mr. Pearson releasing all claims against AXA Equitable and its affiliates and his entitlement to severance pay will be discontinued if he provides services for a competitor. Also, in the event of a termination of Mr. Pearson's employment by AXA Equitable without cause or Mr. Pearson's resignation due to a change in control, Mr. Pearson's severance benefits will cease after one year if certain performance conditions are not met for each of the two consecutive fiscal years immediately preceding the year of termination. MR. WRIGHT'S SEPARATION AGREEMENT. Mr. Wright entered into a separation agreement whereby he resigned as Senior Executive Director and Head of Wealth Management effective September 19, 2014 and terminated employment with AXA Equitable on December 31, 2014. He will receive severance benefits under the terms of the AXA Equitable Severance Benefit Plan and the AXA Equitable Supplemental Severance Plan for Executives. His separation agreement also contains standard provisions related to confidentiality, non-disparagement, and non-solicitation/non-competition. CHANGE IN CONTROL ARRANGEMENTS AXA Equitable believes that it is important to provide employees with a level of protection to reduce anxiety that may accompany a change in control. Accordingly, change in control benefits are provided for stock options and performance units. For stock options granted under the Stock Option Plan, if there is a change in control of AXA Financial, all stock options will become immediately exercisable for their term regardless of the otherwise applicable exercise schedule. Under the 2012 Performance Unit Plan, if there is a change in control of AXA Financial at any time between the end of the performance period and the settlement date of the performance units, participants in the plan will maintain the right to receive the settlement of their performance units on the settlement date. PERQUISITES The Named Executive Officers receive certain perquisites. Pursuant to his employment agreement, Mr. Pearson is entitled to unlimited personal use of a car and driver, two business class trips to the United Kingdom per year with his spouse, expatriate tax services, a company car for his personal use, excess liability insurance coverage, and repatriation costs. Each of the Named Executive Officers may use a car and driver for personal purposes from time to time and may occasionally bring spouses and guests on private aircraft flights otherwise being taken for business reasons. Also, Mr. Lane is permitted to use a corporate membership in a country club for personal purposes. In addition to the above, financial planning and tax preparation services are provided for the Named Executive Officers. The incremental costs of perquisites for the Named Executive Officers during 2014 are included in the column entitled "All Other Compensation" in the Summary Compensation Table included in this Section. OTHER COMPENSATION POLICIES CLAWBACKS In the event an individual's employment is terminated for cause, all stock options granted under the Stock Option Plan held by the individual are forfeited as of the date of termination. In addition, if an individual retires and induces others to leave the employment of an AXA affiliate, misuses confidential information learned while in the employ of AXA affiliate or otherwise acts in a manner that is substantially detrimental to the business or reputation of any AXA affiliate, all outstanding stock options held by the individual will be forfeited. SHARE OWNERSHIP POLICY In 2014, AXA Equitable reviewed its stock ownership guidelines to determine current market practice and to reconcile its local policy to that of AXA. Based on this review, AXA Equitable decided that it was unnecessary to maintain its own stock ownership policy in addition to AXA's policy. Accordingly, AXA Equitable's separate stock ownership guidelines were eliminated. However, any executives who are subject to AXA's APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 105 stock ownership policy as members of AXA's Executive Committee or Management Committee will continue to be required to meet AXA requirements. Those requirements are expressed as a multiple of annual total cash compensation, with members of AXA's Management Committee (such as Mr. Pearson) required to hold the equivalent of their total cash compensation multiplied by 1.5 and members of AXA's Executive Committee required to hold the equivalent of their total cash compensation by 1. DERIVATIVES TRADING AND HEDGING POLICIES The company's reputation for integrity and high ethical standards in the conduct of its affairs is of paramount importance to it. To preserve this reputation, all employees, including the Named Executive Officers, are subject to the AXA Financial Insider Trading Policy. This policy prohibits, among other items, all short sales of securities of AXA and its publicly-traded subsidiaries and any hedging of equity compensation awards (including stock option, performance unit, performance share or similar awards) or the securities underlying those awards. Members of AXA's Management Committee must pre-clear with the AXA Group General Counsel any derivatives transactions with respect to AXA securities and/or the securities of other AXA Group publicly-traded subsidiaries (including AllianceBernstein). IMPACT OF TAX POLICIES Code Section 162(m) limits tax deductions relating to executive compensation of certain executives of publicly held companies. Because neither AXA Financial nor any of its subsidiaries, including AXA Equitable and MLOA, is deemed to be publicly held for purposes of Code Section 162(m), these limitations are not applicable to the executive compensation program described above. COMPENSATION COMMITTEE REPORT Not applicable. CONSIDERATION OF RISK MATTERS IN DETERMINING COMPENSATION AXA Equitable has considered whether its compensation practices are reasonably likely to have a material adverse effect on AXA Equitable and determined that they do not. When conducting its analysis, it considered that AXA Equitable's programs have a number of features that contribute to prudent decision-making and avoid an incentive to take excessive risk. The overall incentive design and metrics of AXA Equitable's incentive compensation program effectively balance performance over time, considering both company earnings and individual results with various multi-year time-vesting and performance periods. AXA Equitable's short-term incentive program mitigates risk by permitting discretionary adjustments for both funding and granting purposes. AXA Equitable also considered that its general risk management controls, oversight of programs, award review and governance processes preclude decision-makers from taking excessive risk to achieve targets under the compensation plans. COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION Not applicable. Executive officers of MLOA are employees of AXA Equitable and receive no compensation directly from MLOA. Rather, a portion of their compensation from AXA Equitable is allocated to MLOA under the Services Agreement. Accordingly, the compensation of the executive officers is determined by AXA Equitable rather than MLOA. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 106 SUMMARY COMPENSATION TABLE The following table presents the total compensation of our Named Executive Officers for services performed for the AXA Financial Group for the years ended December 31, 2012, December 31, 2013, and December 31, 2014 allocated to MLOA in a manner consistent with the allocation of compensation expenses under the Services Agreement. The compensation reported in the following table includes items such as salary and non-equity incentive compensation as well as the grant date fair value of performance shares, performance units, AXA miles and stock options. The performance shares, performance units, AXA miles and stock options may never become payable or may end up with a value that is substantially different from the value reported here. The amounts in the Total column do not represent "total compensation" as described in the Compensation Discussion and Analysis.
CHANGE IN PENSION VALUE AND NONQUALIFIED DEFERRED NON-EQUITY COMP- FISCAL STOCK OPTION INCENTIVE ENSATION NAME YEAR SALARY/(1)/ BONUS/(2)/ AWARDS/(3)/ AWARDS/(4)/ COMPENSATION/(5)/ EARNINGS/(6)/ ---- ------ ---------- --------- ---------- ---------- ------------------ -------------- PEARSON, MARK...................... 2014 $ 46,163 $ 57,121 $ 13,213 $ 90,243 $ 56,031 CHAIRMAN, PRESIDENT AND 2013 $ 58,729 $ 72,906 $ 12,094 $ 116,976 $ 38,488 CHIEF EXECUTIVE OFFICER 2012 $ 44,794 $ 46,924 $ 11,155 $ 69,381 $ 56,432 MALMSTROM, ANDERS.................. 2014 $ 24,354 $ 14,094 $ 3,566 $ 25,900 $ 832 SENIOR EXECUTIVE 2013 $ 31,591 $ 18,187 $ 3,018 $ 34,800 DIRECTOR AND CHIEF 2012 $ 14,457 $ 5,850 $ 13,650 $ 590 FINANCIAL OFFICER LANE, NICHOLAS..................... 2014 $ 25,830 $ 26,054 $ 6,593 $ 45,325 $ 14,881 SENIOR EXECUTIVE 2013 $ 29,482 $ 33,342 $ 5,533 $ 49,680 $ 3,052 DIRECTOR AND HEAD OF 2012 $ 19,223 $ 24,208 $ 3,695 $ 27,300 $ 11,963 US LIFE AND RETIREMENT PIAZZOLLA, SALVATORE............... 2014 $ 34,211 $ 8,663 $ 2,192 $ 34,965 $ 19,443 SENIOR EXECUTIVE 2013 $ 44,377 $ 13,640 $ 2,263 $ 47,040 $ 18,868 DIRECTOR AND CHIEF 2012 $ 35,070 $ 13,157 $ 2,006 $ 32,760 $ 11,091 HUMAN RESOURCES OFFICER WRIGHT, ROBERT..................... 2014 $ 15,576 $ 10,357 $ 2,410 SENIOR EXECUTIVE DIRECTOR 2013 $ 20,203 $ 13,640 $ 2,263 $ 47,040 & HEAD OF WEALTH MANAGEMENT HATTEM, DAVE....................... 2014 $ 20,186 $ 15,614 $ 3,634 $ 26,640 $ 33,920 SENIOR EXECUTIVE DIRECTOR & GENERAL COUNSEL
ALL OTHER COMP- NAME ENSATION/(7)/ TOTAL ---- ------------ --------- PEARSON, MARK...................... $ 25,723 $ 288,494 CHAIRMAN, PRESIDENT AND $ 16,804 $ 315,997 CHIEF EXECUTIVE OFFICER $ 3,940 $ 232,626 MALMSTROM, ANDERS.................. $ 13,641 $ 82,387 SENIOR EXECUTIVE $ 15,352 $ 102,948 DIRECTOR AND CHIEF $ 4,074 $ 38,621 FINANCIAL OFFICER LANE, NICHOLAS..................... $ 7,109 $ 125,792 SENIOR EXECUTIVE $ 1,444 $ 122,533 DIRECTOR AND HEAD OF $ 3,685 $ 90,074 US LIFE AND RETIREMENT PIAZZOLLA, SALVATORE............... $ 7,783 $ 107,257 SENIOR EXECUTIVE $ 1,895 $ 128,083 DIRECTOR AND CHIEF $ 3,680 $ 97,764 HUMAN RESOURCES OFFICER WRIGHT, ROBERT..................... $ 92,398 $ 120,741 SENIOR EXECUTIVE DIRECTOR $ 1,580 $ 84,726 & HEAD OF WEALTH MANAGEMENT HATTEM, DAVE....................... $ 5,658 $ 105,652 SENIOR EXECUTIVE DIRECTOR & GENERAL COUNSEL
/(1)/The amounts in this column reflect actual salary paid in 2014 allocated to MLOA in a manner consistent with the allocation of compensation expenses under the Services Agreement. /(2)/No bonuses were paid to the Named Executive Officers in 2014. /(3)/The amounts reported in this column represent the aggregate grant date fair value of performance shares, performance units and AXA miles awarded in each year in accordance with US GAAP accounting guidance. The 2014 performance share grants were valued at target which represents the probable outcome at grant date. A maximum payout for the 2014 performance share grants would result in additional values of: Pearson $74,257, Malmstrom $18,322, Lane $33,870, Piazzolla $11,262, Hattem $20,298, and Wright $13,465. /(4)/The amounts reported in this column represent the aggregate grant date fair value of stock options awarded in each year in accordance with US GAAP accounting guidance. /(5)/The amounts reported for 2014 are the awards paid in February 2015 to each of the Named Executive Officers based on their 2014 performance. The amounts reported for 2013 are the awards paid in February 2014 to each of the Named Executive Officers based on their 2013 performance. The amounts reported for 2012 are the awards paid in February 2013 for 2012 performance. /(6)/The amounts reported represent the increase in the actuarial present value of accumulated pension benefits for each Named Executive Officer. The Named Executive Officers did not have any above-market earnings on non-qualified deferred compensation in 2012, 2013 or 2014. Mr. Wright experienced a decrease in the actuarial present value of his accumulated pension benefit in 2014. The amount of the APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 107 decrease was $180,636 and was attributable to his receiving a lump sum distribution of $145,301 from the AXA Financial, Inc. Excess Benefit Plan for Select Employees. The amount of the decrease was greater than the actual amount of the lump sum distribution since the actuarial present value assumes an annuity payout and is based on a different discount rate than the lump sum calculation. /(7)/The following table provides additional details for the compensation information found in the All Other Compensation column.
EXCESS TAX LIFE OTHER AUTO LIABILITY FINANCIAL GROSS INSURANCE PERQUISITES/ NAME TRANSPORT/(A)/ INSURANCE/(B)/ ADVICE/(C)/ UPS/(D)/ PREMIUMS/(E)/ BENEFITS/(F)/ ---- ------------- ------------- ---------- -------- ------------ ------------ PEARSON, MARK................................ 2014 $ 782 $ 178 $ 985 $ 10,333 $ 13,445 2013 $ 718 $ 227 $ 2,290 $ 12,665 $ 904 2012 $ 422 $ 194 $ 1,079 $ 2,072 $ 173 MALMSTROM, ANDERS............................ 2014 $ 15 $ 828 $ 6,625 $ 143 $ 6,030 2013 $ 29 $ 1,208 $ 7,317 $ 138 $ 6,660 2012 $ 8 $ 503 $ 836 $ 30 $ 2,697 LANE, NICHOLAS............................... 2014 $ 16 648 $ 73 $ 6,372 2013 $ 54 735 $ 63 $ 592 2012 $ 28 $ 482 $ 1,627 $ 40 $ 1,508 PIAZZOLLA, SALVATORE......................... 2014 $ 27 $ 920 $ 145 $ 6,691 2013 $ 60 $ 1,180 $ 148 $ 507 2012 $ 16 $ 1,546 $ 1,550 $ 130 $ 438 WRIGHT, ROBERT............................... 2014 $ 105 $ 32 $ 92,261 2013 $ 403 $ 687 $ 490 HATTEM, DAVE................................. 2014 $ 555 $ 167 $ 4,936
NAME TOTAL ---- ---------- PEARSON, MARK................................ $ 25,723 $ 16,804 $ 3,940 MALMSTROM, ANDERS............................ $ 13,641 $ 15,352 $ 4,074 LANE, NICHOLAS............................... $ 7,109 $ 1,444 $ 3,685 PIAZZOLLA, SALVATORE......................... $ 7,783 $ 1,895 $ 3,680 WRIGHT, ROBERT............................... $ 92,398 $ 1,580 HATTEM, DAVE................................. $ 5,658
/a./ Mr. Pearson is entitled to the business and personal use of a dedicated car and driver. The personal use of this vehicle for 2014 was valued based on a formula considering the annual lease value of the vehicle, the compensation of the driver and the cost of fuel. The other Named Executive Officers may use cars and drivers for personal matters from time to time. The value for each executive's car use is based on a similar formula taking into account the annual lease value of the vehicle and the compensation of the driver. /b./ The company pays the premiums for excess liability insurance coverage for Mr. Pearson pursuant to his employment agreement. /c./ The company pays for financial planning and tax preparation services for each of the Named Executive Officers. /d./ In 2014, AXA Equitable reimbursed AXA Winterthur Switzerland for contributions it made to Mr. Malmstrom's Swiss retirement plan. Mr. Malmstrom was subject to tax in the U.S. on both the amount of these contributions ($5,992) as well as his 2014 earnings in the Swiss plan ($843). AXA Equitable provided a tax gross-up related to both these amounts. The tax gross-up related to the contributions was $5,808 while the tax gross-up related to the earnings was $817. /e./ This column shows the cost of life insurance coverage provided to the Named Executive Officers under the AXA Equitable Executive Survivor Benefits Plan less the amount of any contributions made by the Named Executive Officers. For this purpose, the cost of the life insurance coverage was determined by multiplying the amount of coverage by the actual policy cost of insurance rates. For Mr. Wright, this column also includes the amount of premiums paid on his behalf for life insurance coverage under the MONY Split Dollar Life Insurance Plan. /f./ This column includes the amount of any employer profit sharing contributions and company contributions received by each Named Executive Officer under the AXA Equitable 401(k) Plan other than Mr. Malmstrom who does not participate in this plan ($241 for each applicable Named Executive Officer for the profit sharing contributions and $373 for each applicable Named Executive Officer for the company contributions). This column also includes the amount of any excess 401(k) contributions received by each Named Executive Officer under The AXA Equitable Post-2004 Variable Deferred Compensation Plan for Executives (the "Post-2004 Plan") other than Mr. Malmstrom who is not eligible to receive such contributions. These excess 401(k) contributions were: Mr. Pearson $12,663, Mr. Lane $5,451, Mr. Piazzolla $6,077, Mr. Wright $4,214 and Mr. Hattem $4,285. For Mr. Pearson, this column includes air travel costs ($149) and costs related to having a guest accompany him to an event ($19). For Mr. Malmstrom, this column includes the reimbursement paid by AXA Equitable to AXA Winterthur Switzerland for its contributions to his Swiss retirement plan ($5,992) and costs related to having a guest accompany him to two events ($38). For Mr. Lane, this column includes certain air travel costs ($289) and costs related to having a guest accompany him to an event ($19). For Mr. Hattem, this column includes amounts related to having a guest accompany him to two events ($38). For Mr. Wright, this column includes amounts received under his separation agreement ($86,441) and unused vacation pay of $835. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 108 2014 GRANTS OF PLAN-BASED AWARDS The following table provides additional information about plan-based compensation disclosed in the Summary Compensation Table allocated to MLOA in a manner consistent with the allocation of compensation expenses under the Services Agreement. This table include both equity and non-equity awards granted during 2014.
ESTIMATED FUTURE ESTIMATED GRANT PAYOUTS UNDER FUTURE PAYOUTS ALL OTHER DATE NON-EQUITY UNDER EQUITY OPTION CLOSING FAIR INCENTIVE PLAN INCENTIVE PLAN AWARDS: EXERCISE MARKET VALUE AWARDS/(1)/ AWARDS/(2)/ NUMBER OF OR BASE PRICE OF STOCK ------------------ ------------------ SECURITIES PRICE OF ON AND GRANT THRE- MAX- THRE- MAX- UNDERLYING OPTION DATE OF OPTION NAME DATE SHOLD TARGET IMUM SHOLD TARGET IMUM OPTIONS AWARDS/(3)/ GRANT/(4)/ AWARDS/(5)/ ---- --------- ----- ------- ---- ----- ------ ----- ---------- ---------- --------- ---------- PEARSON, MARK....... -- $78,751 N/A 3/24/2014 -- 4,566 4,566 $ 25.74 $ 25.50 $13,213 3/24/2014 -- 2,734 3,555 $57,121 MALMSTROM, ANDERS... -- $22,200 N/A 3/24/2014 452 452 903 $ 25.74 $ 25.50 $ 3,566 3/24/2014 807 1,049 $14,094 LANE, NICHOLAS...... -- $37,000 N/A 3/24/2014 -- 835 835 1,670 $ 25.74 $ 25.50 $ 6,593 3/24/2014 -- 1,491 1,938 $26,054 PIAZZOLLA, SALVATORE -- $29,600 N/A 3/24/2014 -- 278 278 555 $ 25.74 $ 25.50 $ 2,192 3/24/2014 -- 496 645 $ 8,663 WRIGHT, ROBERT...... -- $33,300 N/A 3/24/2014 -- 278 278 555 $ 25.74 $ 25.50 $ 2,410 3/24/2014 -- 496 645 $10,357 HATTEM, DAVE........ -- $22,200 N/A 3/24/2014 -- 419 419 837 $ 25.74 $ 25.50 $ 3,634 3/24/2014 -- 747 972 $15,614
/(1)/The target column shows the target award for 2014 for each Named Executive Officer under the AXA Equitable 2014 Short-Term Incentive Compensation Plan assuming the plan was 100% funded. There is no minimum or maximum award for any participant in this plan. The actual 2014 awards granted to the Named Executive Officers are listed in the Non-Equity Incentive Compensation column of the Summary Compensation Table. /(2)/The second row for each Named Executive Officer shows the stock options granted under The AXA Stock Option Plan for AXA Financial Employees and Associates on March 24, 2014. Except for those awarded to Mr. Pearson, these stock options have a ten-year term and a vesting schedule of five years, with one-third of the grant vesting on each of the third, fourth and fifth anniversaries of the grant date, provided that the last third is subject to a performance condition requiring the AXA ordinary share to perform at least as well as the DowJones Europe Stoxx Insurance Index over a specified period. This performance condition applies to all of Mr. Pearson's options. The third row for each Named Executive Officer shows the performance shares granted under the 2014 International Performance Shares Plan on March 24, 2014. 50% of these performance shares have a cliff vesting schedule of three years (first tranche) and the remaining 50% have a cliff vesting schedule of four years (second tranche). The performance shares will settle in AXA ordinary shares. Performance shares are granted unearned. Under the 2014 International Performance Shares Plan, the number of shares that is earned for the first tranche is determined at the end of a two-year performance period starting on January 1, 2014 and ending on December 31, 2015 and for the second tranche at the end of a three-year performance period, starting on January 1, 2014 and ending on December 31, 2016, by multiplying the number of shares in the applicable tranche by a performance percentage that is determined based on the performance of AXA Group and AXA Financial Life and Savings Operations over the applicable performance period. /(3)/The exercise price for the stock options granted on March 24, 2014 is equal to the average of the closing prices for the AXA ordinary share on NYSE Euronext Paris SA over the 20 trading days immediately preceding March 24, 2014. For purposes of this table, the exercise price was converted to U.S. dollars using the euro to U.S. dollar exchange rate on March 23, 2014. /(4)/The closing market price on the date of grant was determined by converting the closing AXA ordinary share price on NYSE Euronext Paris SA on March 24, 2014 to U.S. dollars using the euro to U.S. dollar exchange rate on March 24, 2014. /(5)/The amounts in this column represent the aggregate grant date fair value of stock options and performance shares granted in 2014 in accordance with US GAAP accounting guidance. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 109 OUTSTANDING EQUITY AWARDS AS OF DECEMBER 31, 2014 The following table lists outstanding equity grants for each Named Executive Officer as of December 31, 2014, allocated to MLOA in a manner consistent with the allocation of compensation expenses under the Services Agreement. The table includes outstanding equity grants from past years as well as the current year.
OPTION AWARDS STOCK AWARDS ------------------------------------------------------------------ ----------------------------------------- EQUITY EQUITY INCENTIVE INCENTIVE PLAN PLAN AWARDS: AWARDS: MARKET EQUITY NUMBER OR PAYOUT INCENTIVE NUMBER OF VALUE OF PLAN OF MARKET UNEARNED UNEARNED AWARDS: SHARES VALUE OF SHARES, SHARES, NUMBER OF NUMBER OF NUMBER OF OR UNITS SHARES OR UNITS OR UNITS OR SECURITIES SECURITIES SECURITIES OF STOCK UNITS OF OTHER OTHER UNDERLYING UNDERLYING UNDERLYING THAT STOCK RIGHTS RIGHTS UNEXERCISED UNEXERCISED UNEXERCISED OPTION OPTION HAVE THAT HAVE THAT THAT OPTIONS OPTIONS UNEARNED EXERCISE EXPIRATION NOT NOT HAVE NOT HAVE NOT NAME EXERCISABLE/(1)/ UNEXERCISABLE/(1)/ OPTIONS/(1)/ PRICE/(2)/ DATE VESTED/(3)/ VESTED VESTED/(4)/ VESTED ---- --------------- ----------------- ----------- --------- ---------- ---------- --------- ---------- --------- PEARSON, MARK. 214 $25.57 03/29/15 6,894 $160,753 2,734 $63,755 189 $33.57 03/31/16 217 109 $44.60 05/10/17 217 109 $33.21 04/01/18 1,279 $21.59 06/10/19 2,239 $21.08 03/19/20 3,392 1,696 $20.63 03/18/21 1,431 2,861 $15.96 03/16/22 5,180 $17.83 03/22/23 4,566 $25.74 03/24/24 MALMSTROM, ANDERS....... 324 $21.08 03/19/20 1,391 $ 32,424 807 $18,807 285 142 $20.63 03/18/21 133 133 133 $15.96 03/16/22 862 431 $17.83 03/22/23 903 452 $25.74 03/24/24 LANE, NICHOLAS 102 $23.37 06/06/15 3,338 $ 77,830 1,491 $34,768 140 $33.78 03/31/16 104 $45.72 05/10/17 167 84 $33.21 04/01/18 318 $13.34 03/20/19 389 $21.08 03/19/20 828 414 $20.63 03/18/21 474 474 474 $15.96 03/16/22 1,580 790 $17.83 03/22/23 1,670 835 $25.74 03/24/24 PIAZZOLLA, SALVATORE... 690 345 $20.63 03/18/21 1,585 $ 36,949 496 $11,560 257 257 257 $15.96 03/16/22 646 323 $17.83 03/22/23 555 278 $25.74 03/24/24
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 110
OPTION AWARDS STOCK AWARDS ------------------------------------------------------------------ ----------------------------------------- EQUITY EQUITY INCENTIVE INCENTIVE PLAN PLAN AWARDS: AWARDS: MARKET EQUITY NUMBER OR PAYOUT INCENTIVE NUMBER OF VALUE OF PLAN OF MARKET UNEARNED UNEARNED AWARDS: SHARES VALUE OF SHARES, SHARES, NUMBER OF NUMBER OF NUMBER OF OR UNITS SHARES OR UNITS OR UNITS OR SECURITIES SECURITIES SECURITIES OF STOCK UNITS OF OTHER OTHER UNDERLYING UNDERLYING UNDERLYING THAT STOCK RIGHTS RIGHTS UNEXERCISED UNEXERCISED UNEXERCISED OPTION OPTION HAVE THAT HAVE THAT THAT OPTIONS OPTIONS UNEARNED EXERCISE EXPIRATION NOT NOT HAVE NOT HAVE NOT NAME EXERCISABLE/(1)/ UNEXERCISABLE/(1)/ OPTIONS/(1)/ PRICE/(2)/ DATE VESTED/(3)/ VESTED VESTED/(4)/ VESTED ---- --------------- ----------------- ----------- --------- ---------- ---------- --------- ---------- --------- WRIGHT, ROBERT 1,518 $25.90 03/29/15 1,631 $38,037 496 $11,560 772 $33.78 03/31/16 622 $45.72 05/10/17 572 286 $33.21 04/01/18 309 $13.34 03/20/19 630 $21.08 03/19/20 600 300 $20.63 03/18/21 271 271 271 $15.96 03/16/22 646 323 $17.83 03/22/23 555 278 $25.74 03/24/24 HATTEM, DAVE.. 635 $25.90 03/29/15 1,786 $41,653 747 $17,427 337 $33.78 03/31/16 259 $45.72 05/10/17 167 83 $33.21 04/01/18 247 $13.34 03/20/19 394 $21.08 03/19/20 515 258 $20.63 03/18/21 271 271 271 $15.96 03/16/22 790 395 $17.83 03/22/23 837 419 $25.74 03/24/24
/(1)/All stock options have ten-year terms. All stock options granted in 2014 have a vesting schedule of five years, with one-third of the grant vesting on each of the third, fourth and fifth anniversaries of the grant, and all stock options granted in 2008 through 2013 have a vesting schedule of four years, with one-third of the grant vesting on each of the second, third and fourth anniversaries of the grant date; provided that for all these grants the last third will vest only if the AXA ordinary share performs at least as well as the Dow Jones Europe Stoxx Insurance Index during a specified period (this condition applies to all options granted to Mr. Pearson in 2014, 2013, 2012 and 2011). All stock options granted in 2007 and earlier are vested. /(2)/All stock options have euro exercise prices. All euro exercise prices have been converted to U.S. dollars based on the euro to U.S. dollar exchange rate on the day prior to the grant date. The actual U.S. dollar equivalent of the exercise price will depend on the exchange rate at the date of exercise. /(3)/For Mr. Pearson, this column reflects 3,165 performance units that will vest on March 16, 2015 and 3,720 performance shares that will vest on March 22, 2016. For Mr. Malmstrom, this column reflects 459 performance units that will vest on March 16, 2015, 930 performance shares that will best on March 22, 2016 and 2 AXA miles that will vest on March 16, 2016. For Mr. Lane, this column reflects 1,630 performance units that will vest on March 16, 2015, 1,706 performance shares that will vest on March 22, 2016 and 2 AXA miles that will vest on March 16, 2016. For Mr. Piazzolla, this column reflects 885 performance units that will vest on March 16, 2015, 698 performance shares that will vest on March 22, 2016 and 2 AXA miles that will vest on March 16, 2016. For Mr. Wright this column reflects 932 performance units that will vest on March 16, 2015, 697 performance shares that will vest on March 22, 2016 and 2 AXA miles that will vest on March 16, 2016. For Mr. Hattem this column reflects 932 performance units that will vest on March 16, 2015, 852 performance shares that will vest on March 22, 2016 and 2 AXA miles that will vest on March 16, 2016. /(4)/The amounts in this column reflect unearned and unvested performance shares granted in 2014. 50% of the performance shares have a cliff vesting schedule of three years (vesting date of March 24, 2017) and the remaining 50% have a cliff vesting schedule of four years (vesting date of March 24, 2018) APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 111 OPTION EXERCISES AND STOCK VESTED IN 2014 The following table summarizes the value received from stock option exercises and stock grants vested during 2014, allocated in a manner consistent with the allocation of compensation expenses to MLOA under the Services Agreement.
OPTION AWARDS STOCK AWARDS -------------------- ----------------------- NUMBER OF VALUE NUMBER OF VALUE SHARES REALIZED SHARES REALIZED ACQUIRED ON ACQUIRED ON ON NAME ON EXERCISE EXERCISE VESTING/(1)/ VESTING/(2)/ ---- ----------- -------- ----------- ----------- PEARSON, MARK..................................... 1,226 $ 32,213 MALMSTROM, ANDERS................................. 305 8,022 LANE, NICHOLAS.................................... 447 $ 11,745 PIAZZOLLA, SALVATORE.............................. 372 9,789 WRIGHT, ROBERT.................................... 324 8,516 HATTEM, DAVE...................................... 423 $ 11,104
/(1)/This column reflects the number of performance units granted to the executives under the 2011 AXA Performance Unit Plan that vested on March 18, 2014. /(2)/The value of the performance units that vested in 2014 was equal to the average of the closing prices for the AXA ordinary share on NYSE Euronext Paris SA over the 20 trading days immediately preceding March 18, 2014, converted to U.S. dollars using euro to U.S. dollar exchange rate on March 17, 2014. PENSION BENEFITS AS OF DECEMBER 31, 2014 The following table lists the pension program participation and actuarial present value of each Named Executive Officer's defined benefit pension at December 31, 2014, allocated in a manner consistent with the allocation of compensation expenses to MLOA under the Services Agreement. Note that Mr. Malmstrom does not participate in the AXA Equitable Retirement Plan and its corresponding excess plan since he continues to participate in the Switzerland retirement fund.
NUMBER OF YEARS PRESENT VALUE OF CREDITED ACCUMULATED NAME PLAN NAME/(1)/ SERVICE BENEFIT ---- ---------------------------------------------- --------- ---------------- PEARSON, MARK................................ AXA Equitable Retirement Plan 5 $ 2,390 AXA Equitable Excess Retirement Plan 5 $ 24,152 AXA Equitable Executive Survivor Benefit Plan 5 $ 118,746 MALMSTROM, ANDERS............................ AXA Equitable Retirement Plan -- -- AXA Equitable Excess Retirement Plan -- -- AXA Equitable Executive Survivor Benefit Plan -- $ 1,197 LANE, NICHOLAS............................... AXA Equitable Retirement Plan 8 $ 6,885 AXA Equitable Excess Retirement Plan 8 $ 13,550 AXA Equitable Executive Survivor Benefit Plan 8 $ 21,962 PIAZZOLLA, SALVATORE......................... AXA Equitable Retirement Plan 2 $ 1,407 AXA Equitable Excess Retirement Plan 2 $ 7,095 AXA Equitable Executive Survivor Benefit Plan 2 $ 39,765 WRIGHT, ROBERT............................... MONY Life Retirement Income Security Plan for Employees 33 $ 62,594 RISPE Excess Plan 33 $ 3,741 AXA Equitable Executive Survivor Benefit Plan 33 $ 81,519 HATTEM, DAVE................................. AXA Equitable Retirement Plan 19 $ 17,173 AXA Equitable Excess Retirement Plan 19 $ 35,764 AXA Equitable Executive Survivor Benefit Plan 19 $ 82,532
PAYMENTS DURING NAME THE LAST FISCAL YEAR ---- -------------------- PEARSON, MARK................................ 0 0 0 MALMSTROM, ANDERS............................ 0 0 0 LANE, NICHOLAS............................... 0 0 0 PIAZZOLLA, SALVATORE......................... 0 0 0 WRIGHT, ROBERT............................... 0 $145,301 0 HATTEM, DAVE................................. 0 0 0
/(1)/Except as described in the following sentence, the December 31, 2014 liabilities for the AXA Equitable Retirement Plan (the "Retirement Plan"), the MONY Life Retirement Income Security Plan for Employees ("RISPE"), the AXA Equitable Excess Retirement Plan (the "Excess Plan"), the AXA Financial, Inc. Excess Benefit Plan for Select Employees (the "RISPE Excess Plan") and the AXA Equitable Executive Survivor Benefits Plan (the "ESB Plan") were calculated using the same participant data, plan provisions and actuarial methods and assumptions used under U.S. GAAP accounting guidance. A retirement age of 65 is assumed for all pension plan calculations, except that Mr. Wright was assumed to retire on December 31, 2014 since he was eligible for unreduced plan benefits. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 112 THE RETIREMENT PLAN The Retirement Plan is a tax-qualified defined benefit plan for eligible employees. The Retirement Plan was frozen to new participants effective December 31, 2013 and accruals of benefits generally creased to accrue. Participants become vested in their benefits under the Retirement Plan after three years of service. Participants are eligible to retire and begin receiving benefits under the Retirement Plan: (a) at age 65 (the "normal retirement date") or (b) if they are at least age 55 with at least 5 full years of service (an "early retirement date"). Prior to the freeze, the Retirement Plan provided a cash balance benefit whereby AXA Equitable established a notional account for each Retirement Plan participant. This notional account was credited with deemed pay credits equal to 5% of eligible compensation up to the Social Security wage base plus 10% of eligible compensation above the Social Security wage base. Eligible compensation included base salary and short-term incentive compensation and was subject to limits imposed by the Internal Revenue Code $260,000 in 2014 and $265,000 in 2015). These notional accounts continue to be credited with deemed interest credits. For pay credits earned on or after April 1, 2012 up to December 31, 2013, the interest rate is determined annually based on the average discount rates for one-year Treasury Constant Maturities. For pay credits earned prior to April 1, 2012, the annual interest rate is the greater of 4% or a rate derived from the average discount rates for one-year Treasury Constant Maturities. For 2014, pay credits earned prior to April 1, 2012 received an interest crediting rate of 4% while pay credits earned on or after April 1, 2012, received an interest crediting rate of .25%. All of the Named Executive Officers, except Mr. Malmstrom and Mr. Wright, are entitled to a frozen cash balance benefit under the Retirement Plan. Participants elect the time and form of payment of their Retirement Plan benefits after they separate from service. The normal form of payment for retirement plan benefits depends on a participant's marital status as of the payment commencement date. If the participant is unmarried, the normal form will be a single life annuity. If the participant is married, the normal form will be a 50% joint and survivor annuity. Subject to spousal consent requirements, participants may elect the following optional forms of payment: . Single life annuity; . Optional joint and survivor annuity of any whole percentage between 1% and 100%; and . Lump sum (cash balance benefits only). THE EXCESS PLAN The Excess Plan, which was generally frozen as of December 31, 2013 allows eligible employees to earn retirement benefits in excess of what is permitted under the Retirement Plan. Specifically, the Retirement Plan is subject to rules under the Internal Revenue Code, that cap both the amount of eligible earnings that may be taken into account for determining benefits under the Retirement Plan and the amount of benefits that the Retirement Plan may pay annually. Prior to the freeze of the Retirement Plan, the Excess Plan permitted participants to accrue and be paid benefits that they would have earned and been paid under the Retirement Plan but for these limits. The Excess Plan is an unfunded plan and no assets are actually set aside in participants' names. The Excess Plan was amended effective September 1, 2008 to comply with the provisions of Code Section 409A. Pursuant to the amendment, a participant's Excess Plan benefits vested after 2005 will generally be paid in a lump sum on the first day of the month following the month in which separation from service occurs, provided that payment will be delayed six months for "specified employees" (generally, the fifty most highly-compensated officers of AXA Group), unless the participant made a special one-time election with respect to the time and form of payment of those benefits by November 14, 2008. The time and form of payment of Excess Plan benefits that vested prior to 2005 is the same as the time and form of payment of the participant's Retirement Plan benefits. Mr. Malmstrom and Mr. Wright do not participate in the Excess Plan. RISPE As a former employee of MONY Life, Mr. Wright participates in RISPE, which is a tax-qualified defined benefit plan sponsored by AXA Financial for former eligible employees of MONY Life. RISPE provides for retirement benefits upon reaching age sixty-five and has provisions for early retirement, death benefits, and benefits upon termination of employment for vested participants. RISPE was frozen to new entrants on July 8, 2004 and accruals of benefits generally ceased to accrue effective December 31, 2013. It has a three-year cliff-vesting schedule. Participants are eligible to retire and begin receiving benefits under RISPE: (a) at age 65 (the "normal retirement date") or (b) if they are at least age 55 with at least 5 full years of service (an "early retirement date"). For certain grandfathered participants, including Mr. Wright, RISPE provides benefits under a formula based on final average pay and years of accrual service (as determined as of December 31, 2013 with the freeze of RISPE for grandfathered participants). APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 113 Participants elect the time and form of payment of their RISPE benefits after they separate from service. The normal form of payment depends on a participant's marital status as of the payment commencement date. If the participant is unmarried, the normal form will be a single life annuity. If the participant is married, the normal form will be a 50% joint and survivor annuity. Subject to spousal consent requirements, participants may elect an optional form. Among the options are single life annuity, optional joint and survivor annuity of any whole percentage between 1% and 100% and lump sum. None of the Named Executive Officers, except Mr. Wright, are entitled to a benefit under RISPE. RISPE EXCESS PLAN As a former employee of MONY Life, Mr. Wright participates in the RISPE Excess Plan (prior to October 1, 2013, the Excess Benefit Plan for MONY Employees) which is sponsored by AXA Financial. Prior to the freeze of this plan on December 31, 2013, it allowed former eligible employees of MONY Life to earn retirement benefits in excess of what is permitted under the Code with respect to RISPE. Specifically, RISPE is subject to rules under the Code that cap both the amount of eligible earnings that may be taken into account for determining benefits under RISPE and the amount of benefits RISPE may pay annually. The RISPE Excess Plan permitted participants, including Mr. Wright, to accrue and be paid benefits that they would have earned and been paid under RISPE but for these limits. The RISPE Excess Plan is an unfunded plan and no assets are actually set aside in participants' names. None of the Named Executive Officers, except Mr. Wright, are entitled to a benefit under the RISPE Excess Plan. THE ESB PLAN The ESB Plan offers financial protection to a participant's family in the case of his or her death. Eligible employees may choose up to four levels of coverage and the form of benefit to be paid at each level. Each level provides a benefit equal to one times the participant's eligible compensation (generally, base salary plus higher of most recent short-term incentive compensation award and the average of the three highest short-term incentive compensation awards), subject to an overall $25 million cap. Each level offers different coverage choices. Generally, the participant can choose between a life insurance death benefit and a deferred compensation benefit payable upon death at each level. Level 1 A participant can choose between two options at Level 1: . Lump Sum Option -- Under the Lump Sum Option, a life insurance policy is purchased on the participant's life. At the death of the participant, the participant's beneficiary receives a tax-free lump sum death benefit from the policy. The participant is taxed annually on the value of the life insurance coverage provided. . Survivor Income Option -- Upon the participant's death, the Survivor Income Option provides the participant's beneficiary with 15 annual payments approximating the value of the Lump Sum Option or a payment equal to the amount of the lump sum. The payments will be taxable but the participant is not subject to annual taxation. Level 1 coverage continues after retirement until the participant attains age 65. Level 2 At Level 2, a participant can choose among the Lump Sum Option and Survivor Income Option, described above, and: /(1)/Surviving Spouse Benefit Option -- The Surviving Spouse Benefit Option provides the participant's spouse with monthly income equal to about 25% of the participant's monthly compensation (with an offset for social security). The payments are taxable but there is no annual taxation to the participant. The duration of the monthly income depends on the participant's years of service (with a minimum duration of 5 years). Level 2 coverage continues after retirement until the participant's death. Levels 3 and 4 At Levels 3 and 4, a participant can choose among the Lump Sum Option and Survivor Income Option, described above and: . Surviving Spouse Income Addition Option -- The Surviving Spouse Income Addition Option provides monthly income to the participant's spouse for life equal to 10% of the participant's monthly compensation. The payments are taxable but there is no annual taxation to the participant. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 114 Participants are required to contribute annually to the cost of any option elected under Levels 3 and 4. Level 3 and 4 coverage continues after retirement until the participant's death provided that contributions are still made by the participant until age 65. NON-QUALIFIED DEFERRED COMPENSATION TABLE AS OF DECEMBER 31, 2014 The following table provides information on (i) compensation Mr. Wright and Mr. Hattem have elected to defer and (ii) the excess 401(k) contributions paid by AXA Equitable to all the Named Executive Officers except Mr. Malmstrom who does not participate in the AXA Equitable 401(k) Plan or receive excess 401(k) contributions since he continues to participate in the Switzerland retirement fund. All amounts are allocated in a manner consistent with the allocation of compensation expenses to MLOA under the Services Agreement.
EXECUTIVE REGISTRANT AGGREGATE AGGREGATE AGGREGATE CONTRIBUTIONS CONTRIBUTIONS EARNINGS IN WITHDRAWALS/ BALANCE AT NAME IN LAST FY IN LAST FY/(1)/ LAST FY/(2)/ DISTRIBUTIONS AT LAST FYE/(3)/ ---- ------------- -------------- ----------- ------------- --------------- PEARSON, MARK $ 12,663 $ 224 $ 12,887 MALMSTROM, ANDERS LANE, NICHOLAS $ 5,451 $ 90 $ 5,541 PIAZZOLLA, SALVATORE $ 6,077 $ 135 $ 6,212 WRIGHT, ROBERT $ 4,214 $ 137 $ 6,712 HATTEM, DAVE $ 4,285 $ 2,023 $ 3,346 $ 34,635
/(1)/The amounts reported in this column are also reported in the "All Other Compensation" column of the Summary Compensation Table above. /(2)/The amounts reported in this column are not reported in the Summary Compensation Table. /(3)/The amounts in this column were not previously reported as compensation in the Summary Compensation Table for previous years. THE AXA EQUITABLE POST-2004 VARIABLE DEFERRED COMPENSATION PLAN FOR EXECUTIVES (THE "POST-2004 PLAN"). The above table reflects amounts deferred by Mr. Wright and Mr. Hattem under the "Post-2004 Plan" and the excess 401(k) contributions made by AXA Equitable to the eligible Named Executive Officers under the same plan. The Post-2004 Plan allows eligible employees to defer the receipt of up to 25% of their base salary and short-term incentive compensation. Deferrals are credited to a bookkeeping account in the participant's name on the first day of the month following the month in which the compensation otherwise would have been paid to him or her. The account is used solely for record keeping purposes and no assets are actually placed into any account in the participant's name. Account balances in the Post-2004 Plan are credited with gains and losses as if invested in the available earnings crediting options chosen by the participant. The Post-2004 Plan currently offers a variety of earnings crediting options which are among those offered by the AXA Premier VIP Trust and EQ Advisors Trust. Each year, participants in the Post-2004 Plan can elect to make deferrals into an account they have already established under the plan or they may open a new account, provided that they may not allocate any new deferrals into an account if they are scheduled to receive payments from the account in the next calendar year. When participants establish an account, they must elect the form and timing of payments for that account. They may receive payments of their account balance in a lump sum or in any combination of lump sum and/or annual installments paid over consecutive years. They may elect to commence payments from an account in July or December of any year after the year following the deferral election provided that payments must commence by the first July or December following age 71. In addition, AXA Equitable began providing excess 401(k) contributions in the Post-2004 Plan for participants in the 401(k) Plan with eligible compensation in excess of the qualified plan compensation limit on January 1, 2014. These contributions are equal to 10% of the participant's (i) eligible compensation in excess of the qualified plan compensation limit and (ii) voluntary deferrals to the Post-2004 Plan for the applicable year. THE VARIABLE DEFERRED COMPENSATION PLAN FOR EXECUTIVES (THE "VDCP"). The above table also reflects amounts deferred by Mr. Hattem under the VDCP. Under the VDCP, eligible employees were permitted to defer the receipt of up to 25% of their base salary and short-term incentive compensation. Deferrals were credited to a bookkeeping account in the participant's name on the first day of the month following the month in which the compensation otherwise would have been paid to him or her. The account is used solely for record keeping purposes and no assets are actually placed into any account in the participant's name. The VDCP was frozen as of December 31, 2004 so that no amounts earned or vested after 2004 could be deferred under the VDCP. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 115 Account balances in the VDCP that are attributable to deferrals of base salary and short-term incentive compensation are credited with gains and losses as if invested in the available earnings crediting options chosen by the participant. The VDCP currently offers a variety of earnings crediting options which are among those offered by the AXA Premier VIP Trust and EQ Advisors Trust. Participants in the VDCP could elect to credit their deferrals to in-service or retirement distribution accounts. For retirement accounts, payments may be received in any combination of a lump sum and/or annual installments paid in consecutive years. Payments may begin in any January or July following the participant's termination date, but they must begin by either the first January or the first July following the later of: (a) the participant's attainment of age 65 and (b) the date that is thirteen months following the participant's termination date. For in-service accounts, payments are made to the participant in December of the year elected by the participant in a lump sum or in up to five annual installments over consecutive years. POTENTIAL PAYMENTS UPON TERMINATION OR CHANGE IN CONTROL The table below and the accompanying text presents the hypothetical payments and benefits that would have been payable if the Named Executive Officers terminated employment, or a change-in-control of AXA Financial occurred, on December 31, 2014 (the "Trigger Date"), allocated in a manner consistent with the allocation of compensation expenses to MLOA under the Services Agreement. The payments and benefits described are hypothetical only, as no such payments or benefits have been paid or made available. Hypothetical payments or benefits that would be due under arrangements that are generally available on the same terms to all salaried employees are not described. Because Mr. Wright resigned as Senior Executive Director and Head of Wealth Management effective September 19, 2014 and actually terminated employment with AXA Equitable on December 31, 2014, he is not included in the discussion below. For a description of the terms of his separation agreement, please see the Compensation Discussion and Analysis. RETIREMENT The Named Executive Officers would have been entitled to the following payments and benefits if they retired on the Trigger Date. For this purpose, "retirement" means termination of service on or after the normal retirement date or any early retirement date under the Retirement Plan. Note that the only Named Executive Officers eligible to retire on the Trigger Date were Mr. Pearson and Mr. Hattem. Short-Term Incentive Compensation: The executives may have received short-term incentive compensation awards for 2014 under the Retiree Short-Term Incentive Compensation ("STIC") Program. Under that program, retirees who meet certain requirements are eligible to receive a prorated STIC award based on their completed months of service during the calendar year in which they retire. Stock Options: All stock options granted to the executives would have continued to vest and be exercisable until their expiration date, except in the case of misconduct (for which the options would be forfeited). Performance Units, AXA Miles and Performance Shares: The executives would have been treated as if they continued in the employ of the company until the end of the vesting period for purposes of their performance unit, AXA Miles and performance share awards. Accordingly, they would have received performance unit, AXA Miles and performance share plan payouts at the same time and in the same amounts as they would have received such payouts if they had not retired. Retirement Benefits: The executives would have been entitled to the benefits described in the pension and nonqualified deferred compensation tables above. Medical Benefits: The executives would have been entitled to access to retiree medical coverage. ESB Plan: The executives would have been entitled to continuation of their participation in the ESB Plan described above. VOLUNTARY TERMINATION OTHER THAN RETIREMENT NAMED EXECUTIVE OFFICERS OTHER THAN MR. PEARSON AND MR. WRIGHT If the Named Executive Officers, other than Mr. Pearson and Mr. Wright, had voluntarily terminated employment other than by retirement on the Trigger Date: Short-Term Incentive Compensation: The executives would not have been entitled to any short-term incentive compensation awards for 2014. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 116 Stock Options: All stock options granted to the executives would have been forfeited on the termination date. Performance Units and Performance Shares: The executives would have forfeited all performance units and performance shares. AXA Miles: The executives would have forfeited all of the AXA Miles granted on March 16, 2012. Retirement Benefits: The executives would have been entitled to the benefits described in the pension and nonqualified deferred compensation tables above. MR. PEARSON If Mr. Pearson had voluntarily terminated on the Trigger Date for "Good Reason" as described below, he would have been entitled to: (i) severance pay equal to the sum of two years of salary and two times the greatest of: (a) Mr. Pearson's most recent bonus, (b) the average of Mr. Pearson's last three bonuses and (c) Mr. Pearson's target bonus for the year in which termination occurred, (ii) a pro-rated bonus at target for the year of termination and (iii) a cash payment equal to the additional employer contributions that Mr. Pearson would have received under the 401(k) Plan and its related excess plan for the year of his termination if those plans provided employer contributions on his severance pay. For this purpose, "Good Reason" includes a material reduction in Mr. Pearson's duties or authority, the removal of Mr. Pearson from his positions, AXA Equitable requiring Mr. Pearson to be based at an office more than 75 miles from New York City, a diminution of Mr. Pearson's titles, a material failure by the company to comply with the agreement's compensation provisions, a failure of the company to secure a written assumption of the agreement by any successor company and a change in control of AXA Financial (provided that Mr. Pearson delivers notice of termination within 180 days after the change in control). The severance benefits are contingent upon Mr. Pearson releasing all claims against AXA Equitable and its affiliates and his entitlement to severance pay will be discontinued if he provides services for a competitor. Also, in the event of a termination of Mr. Pearson's employment by AXA Equitable without cause or Mr. Pearson's resignation due to a change in control, Mr. Pearson's severance benefits will cease after one year if certain performance conditions are not met for each of the two consecutive fiscal years immediately preceding the year of termination. The following table quantifies severance payments or benefits Mr. Pearson would have received if he had voluntarily terminated for Good Reason on the Trigger Date: Severance Pay..................................... $ 272,986 Pro-Rated Bonus................................... $ 78,751
In addition, because Mr. Pearson would have been eligible to retire on the Trigger Date, he would have been eligible for the retirement benefits described above. DEATH If the Named Executive Officers had terminated employment due to death on the Trigger Date: Short-Term Incentive Compensation: The executives would not have been entitled to any short-term incentive compensation awards for 2014. Stock Options: All stock options would have immediately vested and would have continued to be exercisable until the earlier of their expiration date and the six-month anniversary of the date of death. Performance Units and Performance Shares: The number of performance shares granted in 2013 and 2014 would have been multiplied by an assumed performance factor of 1.3 and the number of performance units granted in 2012 would have been multiplied by the actual performance factor for that plan. The performance units would have been valued based on the closing price of the AXA ordinary share on Euronext Paris and the euro to U.S. dollar exchange rate on the Trigger Date and the resulting amount would have been paid in cash to the executive's heirs within 90 days following death. The performance shares would have been paid in AXA ordinary shares to the executive's heirs within 90 days following death. AXA Miles: The executive's heirs would receive 50 AXA ordinary shares at the end of the vesting period (i.e., March 16, 2016). Retirement Benefits: The executives' heirs would have been entitled to the benefits described in the pension and nonqualified deferred compensation tables above. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 117 INVOLUNTARY TERMINATION WITHOUT CAUSE NAMED EXECUTIVE OFFICERS OTHER THAN MR. PEARSON AND MR. WRIGHT The Named Executive Officers, excluding Mr. Pearson and Mr. Wright, would have been eligible for severance benefits under the AXA Equitable Severance Benefit Plan, as supplemented by the AXA Equitable Supplemental Severance Plan for Executives (collectively, the "Severance Plan"), if an involuntary termination of employment had occurred on the Trigger Date that satisfied the conditions in the Severance Plan. To receive benefits, the executives would have been required to sign a separation agreement including a release of all claims against AXA Equitable and its affiliates and non-solicitation provisions. The severance benefits would have included: . severance pay equal to 52 weeks' of base salary; . additional severance pay equal to the greater of: (i) the most recent STIC award paid to the executive, (ii) the average of the three most recent STIC awards paid to the executive or (iii) the executive's target STIC award for 2014; . a lump sum payment equal to the sum of: (i) the executive's target STIC award for 2014 and (ii) $40,000; and . one year's continued participation in the ESB Plan. The following table lists the payments that the executives would have received if they were involuntarily terminated under the Severance Plan on the Trigger Date as well as the implications for their stock option, performance unit and performance shares awards:
SEVERANCE BENEFITS EQUITY GRANTS ------------------ ------------------------------------------------------- LUMP SUM NAME SEVERANCE PAYMENT STOCK OPTIONS -------------------------------------------- --------- -------- ------------------------------------------------------- MALMSTROM, ANDERS............................ $51,107 $23,680 Options would continue to vest and be exercisable until the earlier of their expiration date and 30 days after the end of the one-year severance period. LANE, NICHOLAS............................... $64,023 $38,480 Options would continue to vest and be exercisable until the earlier of their expiration date and 30 days after the end of the one-year severance period. PIAZZOLLA, SALVATORE......................... $70,296 $31,080 Options would continue to vest and be exercisable until the earlier of their expiration date and 30 days after the end of the one-year severance period. HATTEM, DAVE................................. $49,262 $23,680 Continued vesting in all options and ability to exercise the options through expiration date.
------------------ PERFORMANCE NAME UNITS/SHARES -------------------------------------------- ----------------- MALMSTROM, ANDERS............................ Forfeited LANE, NICHOLAS............................... Forfeited PIAZZOLLA, SALVATORE......................... Forfeited HATTEM, DAVE................................. Would receive payouts in the same time and in the same amounts as if he had continued to be employed.
MR. PEARSON Under Mr. Pearson's employment agreement, he waived any right to participate in the Severance Plan. Rather, if Mr. Pearson's employment had been terminated without "Cause" as defined below on the Trigger Date, he would have been entitled to the same benefits as termination for Good Reason as described above, subject to the same conditions. "Cause" is defined in Mr. Pearson's employment agreement as: (i) willful failure to perform substantially his duties after reasonable notice of his failure, (ii) willful misconduct that is materially injurious to the company, (iii) conviction of, or plea of NOLO CONTEDERE to, a felony or (iv) willful breach of any written covenant or agreement with the company to not disclose information pertaining to them or to not compete or interfere with the company. CHANGE-IN-CONTROL With the exception of Mr. Pearson, none of the Named Executive Officers are entitled to any special benefits upon a change-in-control of AXA Financial other than the benefits provided to all employees for their stock options, performance shares and performance units. For stock options granted under the Stock Option Plan, if there is a change in control of AXA Financial, all stock options will become immediately exercisable for their term regardless of the otherwise applicable exercise schedule. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 118 Under the 2012 Performance Unit Plan, if there is a change in control of AXA Financial at any time between the end of the performance period and the settlement date of the performance units, participants in the plan will maintain the right to receive the settlement of their performance units. As mentioned above, Mr. Pearson's employment agreement provides that "Good Reason" includes Mr. Pearson's termination of employment in the event of a change in control (provided that Mr. Pearson delivers notice of termination within 180 days after the change in control). Accordingly, Mr. Pearson would have been entitled to the benefits described above, subject to the same conditions. For this purpose, a change in control includes: (a) any person becoming the beneficial owner of more than 50% of the voting stock of AXA Financial, (b) AXA and its affiliates ceasing to control the election of a majority of the AXA Financial Board of directors and (c) approval by AXA Financial's stock holders of a reorganization, merger or consolidation or sale of all or substantially all of the assets of AXA Financial unless AXA and its affiliates owned directly or indirectly more than 50% of voting power of the company resulting from such transaction. 2014 DIRECTOR COMPENSATION TABLE The following table provides information on compensation that was paid to our directors for their services on the board of MLOA in 2014.
CHANGE IN PENSION VALUE AND FEES NONQUALIFIED EARNED NON-EQUITY DEFERRED OR PAID STOCK OPTION INCENTIVE PLAN COMPENSATION NAME IN CASH/(1)/ AWARDS/(2)/ AWARDS/(3)/ COMPENSATION EARNINGS ---- ----------- ---------- ---------- -------------- ------------- DE CASTRIES, HENRI................................ -- -- -- -- -- DUVERNE, DENIS.................................... -- -- -- -- -- DE OLIVEIRA, RAMON................................ $25,800 $33,333 -- -- -- FALLON-WALSH, BARBARA............................. $38,412 $33,333 -- -- -- HALE, DANNY L..................................... $34,200 $33,333 -- -- -- HAMILTON, ANTHONY L./(5)/......................... $12,462 $21,752 -- -- -- KRAUS, PETER S.................................... -- -- -- -- -- SCOTT, BERTRAM.................................... $29,200 $33,333 -- -- -- SLUTSKY, LORIE A.................................. $30,333 $33,333 -- -- -- VAUGHAN, RICHARD C................................ $36,367 $33,333 -- -- --
ALL OTHER NAME COMPENSATION/(4)/ TOTAL ---- ---------------- ------- DE CASTRIES, HENRI................................ -- DUVERNE, DENIS.................................... -- DE OLIVEIRA, RAMON................................ $ 271 $59,404 FALLON-WALSH, BARBARA............................. $ 672 $72,417 HALE, DANNY L..................................... $1,446 $68,979 HAMILTON, ANTHONY L./(5)/......................... -- $34,214 KRAUS, PETER S.................................... -- -- SCOTT, BERTRAM.................................... 378 $62,911 SLUTSKY, LORIE A.................................. $ 296 $63,962 VAUGHAN, RICHARD C................................ $ 496 $70,196
/(1)/For 2014, each of our non-officer directors received the following cash compensation: . $25,000 cash retainer (pro-rated for partial years of service); . $400 for each special board meeting attended; . $500 for each Audit Committee meeting attended; and . $400 for all other Committee meetings attended. In addition, the Chairpersons of the Organization and Compensation Committee, the Investment Committee and the Investment and Finance Committee each received a $3,333 retainer and the Chairman of the Audit Committee received a $4,167 retainer. /(2)/The amounts reported in this column represent the aggregate grant date fair value of restricted and unrestricted stock awarded in 2014 in accordance with U.S. GAAP accounting guidance. As of December 31, 2014, our directors had outstanding restricted stock awards in the following amounts: Mr. De Oliveira 1,719 restricted shares Ms. Fallon-Walsh 1,141 restricted shares Mr. Hale 1,719 restricted shares Mr. Hamilton 1,543 restricted shares Mr. Scott 1,141 restricted shares Ms. Slutsky 1,719 restricted shares Mr. Vaughan 1,719 restricted shares
APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 119 /(3)/As of December 31, 2014, our directors had outstanding stock options in the following amounts: Mr. De Oliveira 1,454 options Ms. Fallon-Walsh 709 options Mr. Hale 2,101 options Mr. Hamilton 5,320 options Mr. Scott 709 options Ms. Slutsky 4,435 options Mr. Vaughan 2,101 options
/(4)/This column lists premiums paid by the company for group life insurance coverage and any amounts paid by the company for a director's spouse to accompany the director on a business trip or event. /(5)/Mr. Hamilton retired on May 14, 2014. THE EQUITY PLAN FOR DIRECTORS Under the current terms of The Equity Plan for Directors (the "Equity Plan"), non-officer directors are granted the following each year: . a restricted stock award (granted in the first quarter); and . a stock retainer of $18,333, payable in two installments in June and December. For calendar years prior to 2014, non-officer directors were also granted option awards each year. Stock Options The value of the stock option grants were determined using the Black-Scholes methodology or other methodology used with respect to option awards contemporaneously made to employees. The options are subject to a four-year vesting schedule whereby one-third of each grant vests on the second, third and fourth anniversaries of the grant date. Restricted Stock The number of shares of restricted stock to be granted to each non-officer director is determined by dividing $15,000 by the fair market value of the stock on the applicable grant date (rounded down to the nearest whole number). During the restricted period, the directors are entitled to exercise full voting rights on the restricted stock and receive all dividends and distributions. The restricted stock has a three-year cliff vesting schedule. Termination of Service In the event a non-officer director dies or, after completing one year of service, is removed without cause, is not reelected, retires or resigns: (a) his or her options will become fully vested and exercisable at any time prior to the earlier of the expiration of the grant or five years from termination of service and (b) his or her restricted stock will immediately become non-forfeitable; provided that if the director performs an act of misconduct, all of his or her options and restricted stock then outstanding will become forfeited. Upon any other type of termination, all outstanding options and restricted stock are forfeited. Deferrals of Restricted Stock and Stock Retainer Non-officer directors may elect to defer receipt of at least ten percent of their stock retainer and/or restricted stock awards. Upon deferral, the director receives deferred stock units in the same number and with the same vesting restrictions, if any, as the underlying awards. The director is entitled to receive dividend equivalents on such deferred stock units, if applicable. The deferred stock units will be distributed in stock on an elected distribution date or upon the occurrence of certain events. Upon retiring, Mr. Hamilton received a distribution of deferred stock units in an amount of $342,667. Change in Control Upon a change in control of AXA Financial, unless the awards will be assumed or substituted following the change in control: (a) the options will either become fully exercisable or cancelled in exchange for a payment in cash equal to the excess, if any, of the change in control price over the exercise price, and (b) the restricted stock will become immediately non-forfeitable. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 120 CHARITABLE AWARD PROGRAM FOR DIRECTORS Under the Charitable Award Program for Directors, a non-officer director may designate up to five charitable organizations and/or education institutions to receive an aggregate donation of $166,667 after his or her death. Although the company may purchase life insurance policies insuring the lives of the participants to financially support the program, it has not elected to do so. MATCHING GIFTS Non-officer directors may participate in AXA Foundation's Matching Gifts program. Under this program, the AXA Foundation matches donations made by participants to public charities of $50 or more, up to $667 per year. BUSINESS TRAVEL ACCIDENT All directors are covered for accidental loss of life while traveling to, or returning from: . board or committee meetings; . trips taken at our request; and . trips for which the director is compensated. Each director is covered up to four times their annual compensation, subject to certain maximums. DIRECTOR EDUCATION All directors are encouraged to attend director education programs as they deem appropriate to stay abreast of developments in corporate governance and best practices relevant to their contribution to the board generally, as well as to their responsibilities in their specific committee assignments and other roles. We generally reimburse non-officer directors for the cost to attend director education programs offered by third parties, including related reasonable travel and lodging expenses, up to a maximum amount of $1,667 per director each calendar year. THE POST-2004 VARIABLE DEFERRED COMPENSATION PLAN FOR DIRECTORS Non-officer directors may defer up to 100% of their annual cash retainer and meetings fees under The Post-2004 Variable Deferred Compensation Plan for Directors (the "Deferral Plan"). Deferrals are credited to a bookkeeping account in the director's name in the month that the compensation otherwise would have been paid to him or her. The account is used solely for record keeping purposes and no assets are actually placed into any account in the director's name. The minimum deferral is 10%. Account balances in the Deferral Plan are credited with gains and losses as if invested in the available earnings crediting options chosen by the participant. The Deferral Plan currently offers a variety of earnings crediting options which are among those offered by the AXA Premier VIP Trust and EQ Advisors Trust. Participants in the Deferral Plan elect the form and timing of payments from their accounts. Payments may be received in any combination of a lump sum and/or annual installments paid in consecutive years. Payments may begin in any July or December after the year of deferral, but they must begin by the first July or the first December following age 70 (72 in the case of certain grandfathered directors). Participants make alternate elections in the event of separation from service prior to the specified payment date and death prior to both the specified payment date and separation from service. The Deferral Plan was designed, and is intended to be administered, in accordance with the requirements of Code Section 409A. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 121 SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS We are an indirect wholly-owned subsidiary of AXA Financial. AXA Financial's common stock is 100% owned by AXA and its subsidiaries. For additional information regarding AXA, see "Business -- Parent Company". SECURITY OWNERSHIP BY MANAGEMENT The following table sets forth, as of March 1, 2015, certain information regarding the beneficial ownership of common stock of AXA by each of our directors and executive officers and by all of our directors and executive officers as a group. AXA COMMON STOCK/(1)/
NUMBER OF SHARES AND NATURE OF BENEFICIAL NAME OF BENEFICIAL OWNER OWNERSHIP PERCENT OF CLASS ------------------------ -------------------- ---------------- Mark Pearson/(2)/................................. 629,198 * Henri de Castries/(3)/............................ 3,576,707 * Ramon de Oliveria/(4)/............................ 17,909 * Denis Duverne/(5)/................................ 2,536,844 * Barbara Fallon-Walsh/(6)/......................... 11,047 * Danny L. Hale/(7)/................................ 24,530 * Peter S. Kraus.................................... -- * Bertram L. Scott/(8)/............................. 11,052 * Lorie A. Slutsky/(9)/............................. 40,621 * Richard C. Vaughan/(10)/.......................... 24,637 * Priscilla S. Brown................................ -- * Dave Hattem/(11)/................................. 175,991 * Nick Lane/(12)/................................... 203,496 * Anders Malmstrom/(13)/............................ 82,981 * Salvatore Piazzolla/(14)/......................... 84,545 * Sharon Ritchey/(15)/.............................. 21,800 * All directors, director nominees and executive officers as a group (16 persons)/(16)/.......... 7,441,358 *
* Number of shares listed represents less than 1% of the outstanding AXA common stock. /(1)/Holdings of AXA American Depositary Shares ("ADS") are expressed as their equivalent in AXA ordinary shares. Each AXA ADS represents the right to receive one AXA ordinary share. /(2)/Includes 385,068 shares Mr. Pearson can acquire within 60 days under option plans. Also includes 157,900 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(3)/Includes 1,836,295 shares Mr. de Castries can acquire within 60 days under option plans. Also includes 291,771 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(4)/Includes 1,490 shares Mr. de Oliveira can acquire within 60 days under option plans. /(5)/Includes 1,454,969 shares Mr. Duverne can acquire within 60 days under option plans. /(6)/Includes 9,791 deferred stock units under The Equity Plan for Directors. /(7)/Includes 4,141 shares Mr. Hale can acquire within 60 days under option plans. /(8)/Includes 8,221 deferred stock units under The Equity Plan for Directors. /(9)/Includes (i) 11,143 shares Ms. Slutsky can acquire within 60 days under options plans and (ii) 29,478 deferred stock units under The Equity Plan for Directors. /(10)/Includes 4,141 shares Mr. Vaughan can acquire within 60 days under option plans. /(11)/Includes 103,548 shares Mr. Hattem can acquire within 60 days under option plans. Also includes 39,408 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(12)/Includes 115,752 shares Mr. Lane can acquire within 60 days under option plans. Also includes 78,716 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(13)/Includes 39,145 shares Mr. Malmstrom can acquire within 60 days under option plans. Also includes 42,754 unvested AXA performance shares, which are subject to achievement of internal performance conditions. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 122 /(14)/Includes 50,606 shares Mr. Piazzolla can acquire within 60 days under option plans. Also includes 29,115 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(15)/Includes 21,800 unvested AXA performance shares, which are subject to achievement of internal performance conditions. /(16)/Includes 4,006,298 shares the directors and executive officers as a group can acquire within 60 days under option plans. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 123 TRANSACTIONS WITH RELATED PERSONS, PROMOTERS AND CERTAIN CONTROL PERSONS POLICIES AND PROCEDURES REGARDING TRANSACTIONS WITH RELATED PERSONS AXA Financial, our parent company, has formal policies covering its employees and directors that are designed to avoid conflicts of interests that may arise in certain related party transactions. For example, employees of AXA Financial and its subsidiaries are subject to the AXA Financial Policy Statement on Ethics (the "Ethics Policy Statement"). The Ethics Policy Statement includes provisions designed to avoid conflicts of interests that may lead to divided loyalties by requiring that employees, among other things, not exercise any responsibility in a transaction in which they have an interest, receive certain approvals before awarding any contract to a relative or close personal friend and not take for their own benefit business opportunities developed or learned of during the course of employment. Similarly, MLOA's non-officer directors are subject to the AXA Financial Policy Statement on Interests of Directors and Contracts With Directors And Their Relatives for Non-Officer Directors (the "Policy Statement"). The Policy Statement includes provisions designed to maintain the directors' independent judgment by requiring, among other things, disclosure of interests in any proposed transaction and abstention from voting if a director has a significant financial interest in the transaction or the transaction is with a business organization in which the director has an official affiliation. It further prohibits certain credit related transactions and requires disclosure of potential contracts with and employment of close relatives. Each director must submit a report annually regarding his or her compliance with the Policy Statement. Other than as set forth above, MLOA does not have written policies regarding the employment of immediate family members of any of its related persons. As a wholly-owned subsidiary of AXA Financial, and ultimately of AXA, MLOA enter into various transactions with both AXA Financial and AXA and their subsidiaries in the normal course of business including, among others, service agreements, reinsurance transactions, and lending and other financing arrangements. While there is no formal written policy for the review and approval of transactions between MLOA and AXA and/or AXA Financial, such transactions are routinely subject to a review and/or approval process. For example, payments made by MLOA to AXA and its subsidiaries pursuant to certain intercompany service or other agreements ("Intercompany Agreements") are reviewed with the Audit Committee on an annual basis. The amount paid by MLOA for any personnel, property and services provided under such Intercompany Agreements may not exceed the fair market value of such personnel, property and services. Additionally, Intercompany Agreements to which MLOA is a party are subject to the approval of the Arizona Department of Insurance, pursuant to Arizona's insurance holding company systems act. In practice, any proposed related party transaction which management deems to be significant or outside of the ordinary course of business would be submitted to the Board of Directors for its approval. TRANSACTIONS BETWEEN MLOA AND AFFILIATES Under MLOA's service agreement with AXA Equitable, personnel services, employee benefits, facilities, supplies and equipment are provided to MLOA to conduct its business. The associated costs related to the service agreement are allocated to MLOA based on methods that management believes are reasonable, including a review of the nature of such costs and activities performed to support MLOA. As a result of such allocations, MLOA incurred expenses of $67,404,204, $87,241,694 and $75,133,693 for 2014, 2013 and 2012, respectively. MLOA paid $52,235,271, $47,037,841 and $32,366,744 in commissions and fees for the sale of its insurance products to AXA Distribution Holding Corporation and its subsidiaries in 2014, 2013 and 2012 respectively. AXA Distribution Holding Corporation is an indirect wholly-owned subsidiary of AXA Financial and its subsidiaries include AXA Advisors, LLC, AXA Network LLC and PlanConnect, LLC. MLOA charged AXA Distribution Holding Corporation and its subsidiaries $35,901,974, $29,393,106 and $24,495,729 for their applicable share of operating expenses in 2014, 2013 and 2012, respectively. In 2013, MLOA used a portion of the consideration received from the reinsurance agreement with Protective Life to return $200,000,000 in capital to its parent, AXA Equitable Financial Services, LLC, and to donate $20,000,000 to AXA Foundation, Inc. (the "Foundation"). The Foundation was organized for the purpose of distributing grants to various tax-exempt charitable organizations and administering various matching gift programs for AXA Equitable and its subsidiaries and affiliates, including MLOA. In August 2012, MLOA sold its entire portfolio of agricultural loans on real estate to AXA Equitable in exchange for $42,000,000. Various AXA affiliates, including MLOA, cede a portion of their life, health and catastrophe insurance business through reinsurance agreements to AXA Global Life beginning in 2010 (and AXA Cessions in 2009 and prior), AXA affiliated reinsurers. Beginning in 2008 AXA Global Life, in turn, retrocedes a quota share portion of these risks to MLOA on a one-year term basis. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 124 MLOA cedes a portion of its life business through excess of retention treaties to AXA Equitable on a yearly renewal term basis and reinsured the no lapse guarantee riders through AXA RE Arizona Company. During 2014, 2013 and 2012, premiums, claims and expenses assumed and ceded under these agreements were not significant. In addition to the AXA Equitable service agreement, MLOA has various other service and investment advisory agreements with AB. The amount of expenses incurred by MLOA related to these agreements was $1,156,818, $1,782,242 and $1,939,543 for 2014, 2013 and 2012, respectively. APPENDIX: INFORMATION ABOUT MONY LIFE INSURANCE COMPANY OF AMERICA 125 PART II ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION
ESTIMATED ITEM OF EXPENSE EXPENSE -------------------------------------------------------------------- ---------- Registration fees................................................... $ 0 Federal taxes....................................................... N/A State taxes and fees (based on 50 state average).................... N/A Trustees' fees...................................................... N/A Transfer agents' fees............................................... N/A Printing and filing fees............................................ $50,000* Legal fees.......................................................... $10,000* Accounting fees..................................................... N/A Audit fees.......................................................... $20,000* Engineering fees.................................................... N/A Directors and officers insurance premium paid by Registrant......... N/A
------------------------------------------- * Estimated expense. ITEM 14. INDEMNIFICATION OF DIRECTORS AND OFFICERS The By-Laws of MONY Life Insurance Company of America provide, in Article VI as follows: ARTICLE VI INDEMNIFICATION OF OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS SECTION 1. NATURE OF INDEMNITY. The Corporation shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, or investigative, by reason of the fact that he or she is or was or has agreed to become a director or officer of the Corporation, or is or was serving or has agreed to serve at the request of the Corporation as a director or officer of another corporation, partnership, joint venture, trust or other enterprise, or by reason of any action alleged to have been taken or omitted in such capacity, and may indemnify any person who was or is a party or is threatened to be made a party to such an action, suit or proceeding by reason of the fact that he or she is or was or has agreed to become an employee or agent of the Corporation, or is or was serving or has agreed to serve at the request of the Corporation as an employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys' fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by him or her or on his or her behalf in connection with such action, suit or proceeding and any appeal therefrom, if he or she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the Corporation, and, with respect to any criminal action or proceeding had no reasonable cause to believe his or her conduct was unlawful; except that in the case of an action or suit by or in the right of the Corporation to procure a judgment in its favor (1) such indemnification shall be limited to expenses (including attorneys' fees) actually and reasonably incurred by such person in the defense or settlement of such action or suit, and (2) no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable to the Corporation unless and only to the extent that the court in which such action or suit was brought or other court of competent jurisdiction shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity. The termination of any action, suit or proceeding by judgment, order, settlement, conviction or upon a plea of no contest or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he or she reasonably believed to be in or not opposed to the best interests of the Corporation, and, with respect to any criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful. SECTION 6. SURVIVAL; PRESERVATION OF OTHER RIGHTS. The foregoing indemnification provisions shall be deemed to be a contract between the Corporation and each director, officer, employee and agent who serves in any such capacity at any time while these provisions as well as the relevant provisions of Title 10, Arizona Revised Statutes are in effect and any repeal or modification thereof shall not affect any right or obligation then existing with respect to any state of 1 facts then or previously existing or any action, suit or proceeding previously or thereafter brought or threatened based in whole or in part upon any such state of facts. Such a "contract right" may not be modified retroactively without the consent of such director, officer, employee or agent. The indemnification provided by this Article shall not be deemed exclusive of any other right to which those indemnified may be entitled under any by-law, agreement, vote of stockholders or disinterested directors or otherwise, both as to action in his or her official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the heirs, executors and administrators of such a person. SECTION 7. INSURANCE. The Corporation may purchase and maintain insurance on behalf of any person who is or was a director or officer of the Corporation, or is or was serving at the request of the Corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against such person and incurred by such person in any such capacity or arising out of his or her status as such, whether or not the Corporation would have the power to indemnify such person against such liability under the provisions of this By-Law. ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES None ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES (1) Underwriting Agreement. (a) Wholesale Distribution Agreement dated April 1, 2005 by and between MONY Life Insurance Company of America, MONY Securities Corporation, and AXA Distributors, LLC, is incorporated herein by reference to the Registration Statement on Form S-3 (File No. 333-177419) filed on October 20, 2011. (b) Broker-Dealer Distribution and Servicing Agreement dated June 6, 2005, made by and between MONY Life Insurance Company of America and AXA Advisors, LLC, is incorporated herein by reference to Post-Effective Amendment No. 1 to the Registration Statement on Form S-1 (File No. 333-180068), filed on March 13, 2012. (c) General Agent Sales Agreement dated June 6, 2005, by and between MONY Life Insurance Company of America and AXA Network, LLC, incorporated herein by reference to Post-Effective Amendment No. 1 to the Registration Statement on Form S-1 (File No. 333-180068), filed on March 13, 2012. (i) First Amendment dated as of August 1, 2006 to General Agent Sales Agreement dated as of August 1, 2006 by and between MONY Life Insurance Company of America and AXA Network, incorporated herein by reference to Exhibit (c)(9) to the Registration Statement on Form N-6 (File No. 333-134304) filed on March 1, 2012. (ii) Second Amendment dated as of April 1, 2008 to General Agent Sales Agreement dated as of April 1, 2008 by and between MONY Life Insurance Company of America and AXA Network, LLC, is incorporated herein by reference to Exhibit (d) (ii) to the Registration Statement on Form S-1 (File No. 333-180068) filed on March 13, 2012. (2) Not Applicable. (3) (i) Articles of Incorporation. (a) Articles of Restatement of the Articles of Incorporation of MONY Life Insurance Company of America (as Amended July 22, 2004), incorporated herein by reference to post-effective amendment no. 7 to the registration statement on Form N-4 (File No. 333-72632) filed on April 22, 2005. (3) (ii) By-Laws. (a) By-Laws of MONY Life Insurance Company of America (as Amended July 22, 2004), incorporated herein by reference to post-effective amendment no. 8 to the registration statement on Form N-4 (File No. 333-72632) filed on May 4, 2005. (4) Form of contract. (a) Proposed form of flexible payment variable annuity contract, incorporated herein by reference to Exhibit 4 to Registration Statement (File No. 333-59717) on Form N-4, filed on July 23, 1998. 2 (b) Proposed form of flexible payment variable annuity contract, incorporated herein by reference to Exhibit 4 to Registration Statement (File No. 333-72632) on Form N-4, filed on January 9,2002. (5) Opinion and consent of counsel regarding legality (a) Opinion and consent of Shane Daly as to the legality of securities being registered, filed herewith. (8) Opinion and consent of Robert Levy as to tax matters, incorporated herein by reference to Post-Effective Amendment No. 1 to Form S-1 on Form S-2 (File No. 333-105089) filed on August 4,2004. (9) Not Applicable. (10) Material Contracts. (a) Services Agreement between The Mutual Life Insurance Company of New York and MONY Life Insurance Company of America, incorporated herein by reference to Post-Effective Amendment No. 22 to the registration statement on Form N-6 (File No. 333-06071) filed on April 30, 2003. (b) Amended and Restated Services Agreement between MONY Life Insurance Company of America and AXA Equitable Life Insurance Company dated as of February 1, 2005, incorporated herein by reference to Exhibit 10.2 to Annual Report (File No. 333-65423) on Form 10-K, filed on March 31, 2005. (c) Broker-Dealer and General Agent Servicing Agreement for In-Force MLOA Products dated October 1, 2013, MONY Life Insurance Company of America, AXA Advisors, LLC and AXA Network, LLC incorporated herein by reference to post-effective amendment no. 24 to the registration statement on Form S-6 (333-56969), filed on April 25, 2014. (d) Wholesale Level Servicing Agreement for In-Force MLOA Products dated October 1, 2013, MONY Life Insurance Company of America, AXA Distributors, LLC, incorporated herein by reference to post-effective amendment no. 24 to the registration statement on Form S-6 (333-56969), filed on April 25, 2014. (e) Reinsurance Agreement by and among MONY Life Insurance Company of America and Protective Life Insurance Company, dated October 1, 2013, incorporated herein by reference to post-effective amendment no. 24 to the registration statement on Form S-6 (333-56969), filed on April 25, 2014. (11) Not Applicable. (12) Not Applicable. (15) Not Applicable. (16) Not Applicable. (21) Not Applicable. (23) Consents of Experts and Counsel. (a) Consent of Pricewaterhouse Coopers, LLP filed herewith. (b) See Item (5) above. (24) Powers of Attorney. (a) Powers of Attorney, filed herewith. (25) Not Applicable. (26) Not Applicable. 101.INS. XBRL Instance Document, filed herewith. 101.SCH. XBRL Taxonomy Extension Schema Document, filed herewith. 101.CAL. XRL Taxonomy Extension Calculation Linkbase Document, filed herewith. 101.LAB. XBRL Taxonomy Label Linkbase Document, filed herewith. 101.PRE. XBRL Taxonomy Extension Presentation Linkbase Document, filed herewith. 101.DEF. XBRL Taxonomy Extension Definition Linkbase Document, filed herewith. 3 ITEM 17. UNDERTAKINGS (a) The undersigned registrant hereby undertakes: (1) To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: (i) to include any prospectus required by section 10 (a) (3) of the Securities Act of 1933; (ii) to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424 (b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement; (iii) to include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement; provided, however, that paragraphs (a) (1) (i), (a) (1) (ii) and (a) (1) (iii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section 13 or 15 (d) of the Securities Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424 (b) that is part of this Registration Statement. (2) That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. (3) To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. (4) That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424 (b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use. (5) That, for the purpose of determining liability of the Registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities: The undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i) Any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule 424; (ii) Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used or referred to by the undersigned Registrant; (iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned Registrant; and (iv) Any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser. (b) Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such 4 indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue. 5 SIGNATURES As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Depositor has caused this Amendment to the Registration Statement to be signed on its behalf, by the undersigned, duly authorized, in the City and State of New York, on the 24th day of April, 2015. MONY Life Insurance Company of America (Registrant) By: /s/ Shane Daly ---------------------------------------------------------------- SHANE DALY VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL MONY Life Insurance Company of America Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, this Amendment to the Registration Statement has been signed by the following persons in the capacities and on the date indicated: PRINCIPAL EXECUTIVE OFFICERS: * Chairman of the Board, Chief Executive Officer, Mark Pearson Director and President
PRINCIPAL FINANCIAL OFFICER: * Senior Executive Vice President and Chief Financial Anders B. Malmstrom Officer
PRINCIPAL ACCOUNTING OFFICER: * Executive Vice President and Chief Accounting Officer Andrea M. Nitzan
*DIRECTORS: Mark Pearson Peter S. Kraus Lorie A. Slutsky Denis Duverne Ramon de Oliveira Richard C. Vaughan Barbara Fallon-Walsh Bertram L. Scott Henri de Castries Danny L. Hale Anthony J. Hamilton *BY: /S/ SHANE DALY Shane Daly ATTORNEY-IN-FACT April 24, 2015
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION TAG VALUE ------------ --------------------------------------------------------------------- -------------- (5)(a) Opinion and Consent of Shane Daly EX-99.5a (23)(a) Consent of Pricewaterhouse Coopers LLC EX-99.23a (24)(a) Powers of Attorney Ex-99.24a 101.INS XBRL Instance Document EX-101.INS 101.SCH XBRL Taxonomy Extension Schema Document EX-101.SCH 101.CAL XRL Taxonomy Extension Calculation Linkbase Document EX-101.CAL 101.LAB XBRL Taxonomy Label Linkbase Document EX-101.LAB 101.PRE XBRL Taxonomy Extension Presentation Linkbase Document EX-101.PRE 101.DEF XBRL Taxonomy Extension Definition Linkbase Document EX-101.DEF
EX-99.5(A) 2 a15-2021_1ex99d5a.txt EXHIBIT 99.5(a) MONY Life Insurance Company of America 1290 Avenue of the Americas New York, New York 10104 SHANE DALY Vice President and Associate General Counsel (212)314-3912 FAX (212)707-1791 LAW DEPARTMENT April 24, 2015 MONY Life Insurance Company of America 1290 Avenue of the Americas New York, NY 10104 Dear Sirs: This opinion is furnished in connection with the filing by MONY Life Insurance Company of America ("MONY America") of Post-Effective Amendment No. 2 to a Registration Statement of MONY America for the purpose of registering guaranteed interest account with market value adjustment interests under flexible premium annuity contracts ("Interests") under the Securities Act of 1933 and to add a prospectus, as previously reviewed by the staff. The Interests are purchased with contributions received under individual variable annuity contracts (the "Contracts"). As described in the prospectus included in the Registration Statement, the Contracts are designed to provide for retirement income benefits. I have examined such corporate records of MONY America and provisions of the Arizona Insurance Law as are relevant to authorization and issuance of the Contracts and such other documents and laws as I consider appropriate. On the basis of such examination, it is my opinion that: 1. MONY America is a corporation duly organized and validly existing under the laws of the State of Arizona. 2. The Contracts (including any Interests credited thereunder) are duly authorized and, when issued in accordance with applicable regulatory approvals, represent validly issued and binding obligations of MONY America. I hereby consent to the use of this opinion as an exhibit to the Registration Statement. Very truly yours, /s/ Shane Daly --------------------------------------- Shane Daly EX-99.23(A) 3 a15-2021_1ex99d23a.txt EXHIBIT 23(a) CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We hereby consent to the use in this Post-Effective Amendment No. 2 to the Registration Statement File No. 333-186795 on Form S-1 of our report dated March 23, 2015, relating to the financial statements of MONY Life Insurance Company of America, which appears in such Registration Statement. We also consent to the reference to us under the heading "Independent registered public accounting firm" in such Registration Statement. /s/ PricewaterhouseCoopers LLP New York, New York April 24, 2015 EX-99.24(A) 4 a15-2021_1ex99d24a.txt POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Henri de Castries --------------------- Henri de Castries, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Henri de Castries, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Ramon de Oliveira --------------------- Ramon de Oliveira, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Ramon de Oliveira, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Denis Duverne ----------------- Denis Duverne, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Denis Duverne, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Barbara Fallon-Walsh ------------------------ Barbara Fallon-Walsh, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Barbara Fallon-Walsh, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Danny L. Hale ----------------- Danny L. Hale, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Danny L. Hale, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Peter S. Kraus ------------------ Peter S. Kraus, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Peter S. Kraus, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Anders B. Malmstrom ----------------------- Anders B. Malmstrom, Senior Executive Vice President and Chief Financial Officer State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Anders B. Malmstrom, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Andrea Nitzan ----------------- Andrea Nitzan, Executive Vice President and Chief Accounting Officer State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Andrea Nitzan, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Mark Pearson ---------------- Mark Pearson, Chairman of the Board, President, Chief Executive Officer and Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Mark Pearson, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Bertram Scott ----------------- Bertram Scott, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Bertram Scott, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Lorie A. Slutsky -------------------- Lorie A. Slutsky, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Lorie A. Slutsky, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned officer or Director of MONY Life Insurance Company of America (the "Company"), a stock life insurance company, hereby constitutes and appoints Dave S. Hattem, Dominique Baede, Karen Field Hazin, Naomi J. Weinstein, Kermitt J. Brooks, Ralph A. Petruzzo, Shane Daly, Ira Shuman and each of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent for him or her and on his or her behalf and in his or her name, place and stead, to execute and file any and all registration statements (and amendments thereto) by the Company or its separate accounts relating to annuity contracts and life insurance policies under the Securities Act of 1933 and/or the Investment Company Act of 1940, including but not limited to the "Registration Statements," as defined below, with all exhibits and all instruments necessary or appropriate in connection therewith, each of said attorneys-in-fact and agents being empowered to act with or without the others, and to have full power and authority to do or cause to be done in the name and on behalf of the undersigned each and every act and thing requisite and necessary or appropriate with respect thereto to be done in and about the premises in order to effectuate the same, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, may do or cause to be done by virtue hereof. The "Registration Statements" covered by the Power of Attorney are defined to include the registration statements listed below: MONY AMERICA VARIABLE ACCOUNT A (811-05166) 033-14362 033-20453 033-20696 333-59717 333-72632 333-91776 333-92066 Form N-4 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT K (811-22886) 333-191149 333-191150 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT L (811-04234) 002-95990 033-82570 333-56969 333-64417 333-72578 333-72596 333-104162 333-134304 Form N-6 registration statements to be filed as necessary. MONY AMERICA VARIABLE ACCOUNT S (811-05100) 033-13183 Form N-6 registration statements to be filed as necessary. MONY LIFE INSURANCE COMPANY OF AMERICA 333-132810 333-186795 333-195491 Form S-1 or S-3 registration statements to be filed, as necessary, for Market Value Adjustment interests under MONY Variable Annuity and MONY Custom Master contracts issued by MONY Life Insurance Company of America. Form S-1 or S-3 registration statements to be filed, as necessary, for index-linked investment options to be offered with certain flexible premium variable life insurance policies. This includes, but is not limited to, the Market Stabilizer Option(R). Form S-1, S-3, N-4 or N-6 registration statements to be filed as necessary, including but not limited to any registration statements filed to continue the offering of, and/or register more securities for, any securities offered by the registration statements identified above. IN WITNESS WHEREOF, the undersigned has hereunto set his or her hand this 13th day of November, 2014. /s/ Richard C. Vaughan ---------------------- Richard C. Vaughan, Director State of New York) County of New York) ss.: On the 13th day of November in the year 2014 before me, the undersigned, personally appeared Richard C. Vaughan, personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he or she executed the same in his or her capacity, and that by his or her signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument. /s/ Sue Ann Charles ------------------- Signature and Office of individual taking acknowledgment EX-101.SCH 6 mloa-20141231.xsd 000010 - Document - DOCUMENT AND ENTITY INFORMATION link:presentationLink link:calculationLink link:definitionLink 000300 - Statement - STATEMENTS OF EARNINGS (LOSS) link:presentationLink link:calculationLink link:definitionLink 000100 - Statement - BALANCE SHEET link:presentationLink link:calculationLink link:definitionLink 000200 - Statement - BALANCE SHEET (PARENTHETICALS) link:presentationLink link:calculationLink link:definitionLink 000420 - Statement - STATEMENTS OF CASH 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148000000 82000000 90000000 -3000000 24000000 -49000000 -2000000 -1000000 0 370000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >1)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > ORGANIZATION</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MONY Life Insurance Company of </font><font style='font-family:Times New Roman;font-size:10pt;' >America</font><font style='font-family:Times New Roman;font-size:10pt;' > (&#8220;MLOA&#8221;) is an </font><font style='font-family:Times New Roman;font-size:10pt;' >Arizona</font><font style='font-family:Times New Roman;font-size:10pt;' > stock life insurance company. MLOA&#8217;s primary business is providing life insurance products to both </font><font style='font-family:Times New Roman;font-size:10pt;' >individuals and businesses. </font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Effective October 1, 2013, MLOA is a wholly-owned subsidiary of </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA Equitable Financial Services, LLC</font><font style='font-family:Times New Roman;font-size:10pt;' > (&#8220;AEFS&#8221;). AEFS is a direct wholly owned subsidiary of </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Financial, Inc. (&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Financial&#8221; and together with its consolidate</font><font style='font-family:Times New Roman;font-size:10pt;' >d subsidiaries &#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Financial Group&#8221;). </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Financial is an indirect wholly owned subsidiary of </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' >, a French holding company for an international group of insurance and related financial services companies.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >On October 1, 2013, AXA Financial and </font><font style='font-family:Times New Roman;font-size:10pt;' >AEFS</font><font style='font-family:Times New Roman;font-size:10pt;' > comp</font><font style='font-family:Times New Roman;font-size:10pt;' >leted the sale of the stock of MONY Life Insurance Company (&#8220;MONY Life&#8221;) and the reinsurance of an in-force book of life insurance and annuity policies written primarily prior to 2004 by MLOA to Protective Life Insurance Company (&#8220;Protective Life&#8221;). </font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Prior</font><font style='font-family:Times New Roman;font-size:10pt;' > to the close, MONY Life</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;' >s subsidiaries, </font><font style='font-family:Times New Roman;font-size:10pt;' >including </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA, were distributed to </font><font style='font-family:Times New Roman;font-size:10pt;' >AEFS</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA transferred </font><font style='font-family:Times New Roman;font-size:10pt;' >and ceded </font><font style='font-family:Times New Roman;font-size:10pt;' >assets to Protective Life equal to $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,308 m</font><font style='font-family:Times New Roman;font-size:10pt;' >illion</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >net of </font><font style='font-family:Times New Roman;font-size:10pt;' >ceding commission </font><font style='font-family:Times New Roman;font-size:10pt;' >of $</font><font style='font-family:Times New Roman;font-size:10pt;' >370</font><font style='font-family:Times New Roman;font-size:10pt;' > million </font><font style='font-family:Times New Roman;font-size:10pt;' >for</font><font style='font-family:Times New Roman;font-size:10pt;' > consideration of the transfer of</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >liabilities</font><font style='font-family:Times New Roman;font-size:10pt;' > amou</font><font style='font-family:Times New Roman;font-size:10pt;' >nting to $1,374 million </font><font style='font-family:Times New Roman;font-size:10pt;' >in connection with the reinsurance agreement</font><font style='font-family:Times New Roman;font-size:10pt;' >. As a result of the reinsurance agreement MLOA recorded a deferred cost of reinsurance asset amounting to $95 million which is amortized over the life of the underlying reinsured policie</font><font style='font-family:Times New Roman;font-size:10pt;' >s. </font><font style='font-family:Times New Roman;font-size:10pt;' >Refer to the table below for a detailed description of assets and liabilities transferred, ceded and written off as a result of the reinsur</font><font style='font-family:Times New Roman;font-size:10pt;' >ance</font><font style='font-family:Times New Roman;font-size:10pt;' > agreement with Protective Life on October 1, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >In 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > MLOA recorded an out of period adjustment which r</font><font style='font-family:Times New Roman;font-size:10pt;' >educed the deferred cost of reinsurance asset by $</font><font style='font-family:Times New Roman;font-size:10pt;' >12 million</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >For additional information on this adjustment, see Note 2. </font><font style='font-family:Times New Roman;font-size:10pt;' >Amortization of the deferred cost of reinsurance asset in 2014 and 2013 was $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >4 </font><font style='font-family:Times New Roman;font-size:10pt;' >million, respectively.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Calculation of deferred cost of reinsurance</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >October 1, 2013</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Transferred or Ceded Assets (Net of Ceding Commission):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,102 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 74 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 132 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total assets transferred or ceded (Net of Ceding Commission)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,308 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Transferred Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Future policyholder benefits and other policyholders liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,334 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts due to reinsurer</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 40 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total liabilities transferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,374 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accelerated Amortization of Assets and Liabilities As Part of the Reinsurance Agreement:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Value of business acquired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 117 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred policy acquisition costs</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 71 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Initial Fee Liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (27)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net accelerated amortization of assets and liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 161 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred Cost of Reinsurance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 95 </font></td></tr></table></div> 1102000000 1308000000 74000000 132000000 1334000000 40000000 1374000000 117000000 71000000 27000000 161000000 95000000 <div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Calculation of deferred cost of reinsurance</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >October 1, 2013</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:456.75pt;text-align:center;border-color:Black;min-width:456.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Transferred or Ceded Assets (Net of Ceding Commission):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,102 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 74 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 132 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total assets transferred or ceded (Net of Ceding Commission)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,308 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Transferred Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Future policyholder benefits and other policyholders liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,334 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts due to reinsurer</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 40 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total liabilities transferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,374 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accelerated Amortization of Assets and Liabilities As Part of the Reinsurance Agreement:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Value of business acquired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 117 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred policy acquisition costs</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 71 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:376.5pt;text-align:left;border-color:Black;min-width:376.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Initial Fee Liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (27)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net accelerated amortization of assets and liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 161 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:369.75pt;text-align:left;border-color:Black;min-width:369.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:57pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;border-color:Black;min-width:384pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred Cost of Reinsurance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 95 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:22.3pt;' >Basis of Presentation</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;) requires management to </font><font style='font-family:Times New Roman;font-size:10pt;' >make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of rev</font><font style='font-family:Times New Roman;font-size:10pt;' >enues and expenses during the reporting periods. Actual results could differ from these estimates. The accompanying financial statements reflect all adjustments necessary in the opinion of management for a fair presentation of the financial position </font><font style='font-family:Times New Roman;font-size:10pt;' >of M</font><font style='font-family:Times New Roman;font-size:10pt;' >LOA and its results of operations and cash flows for the periods presented. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The years </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221;, &#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221; and &#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221; </font><font style='font-family:Times New Roman;font-size:10pt;' >refer to the years ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. Certain reclassifications have</font><font style='font-family:Times New Roman;font-size:10pt;' > been made in the amounts presented for prior periods to conform </font><font style='font-family:Times New Roman;font-size:10pt;' >those periods </font><font style='font-family:Times New Roman;font-size:10pt;' >to the curren</font><font style='font-family:Times New Roman;font-size:10pt;' >t presentatio</font><font style='font-family:Times New Roman;font-size:10pt;' >n.</font></p></div> <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > SIGNIFICANT ACCOUNTING POLICIES</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:22.3pt;' >Basis of Presentation</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America (&#8220;U.S. GAAP&#8221;) requires management to </font><font style='font-family:Times New Roman;font-size:10pt;' >make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of rev</font><font style='font-family:Times New Roman;font-size:10pt;' >enues and expenses during the reporting periods. Actual results could differ from these estimates. The accompanying financial statements reflect all adjustments necessary in the opinion of management for a fair presentation of the financial position </font><font style='font-family:Times New Roman;font-size:10pt;' >of M</font><font style='font-family:Times New Roman;font-size:10pt;' >LOA and its results of operations and cash flows for the periods presented. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The years </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221;, &#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221; and &#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221; </font><font style='font-family:Times New Roman;font-size:10pt;' >refer to the years ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. Certain reclassifications have</font><font style='font-family:Times New Roman;font-size:10pt;' > been made in the amounts presented for prior periods to conform </font><font style='font-family:Times New Roman;font-size:10pt;' >those periods </font><font style='font-family:Times New Roman;font-size:10pt;' >to the curren</font><font style='font-family:Times New Roman;font-size:10pt;' >t presentatio</font><font style='font-family:Times New Roman;font-size:10pt;' >n.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Adoption of New Accounting Pronouncements</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In July 2013, the FASB issued new guidance on the presentation of an unrecognized tax benefit when a net operating loss </font><font style='font-family:Times New Roman;font-size:10pt;' >carryforward</font><font style='font-family:Times New Roman;font-size:10pt;' >, a similar tax loss, or a tax credit </font><font style='font-family:Times New Roman;font-size:10pt;' >carryforward</font><font style='font-family:Times New Roman;font-size:10pt;' > exists. </font><font style='font-family:Times New Roman;font-size:10pt;' >This guidance was</font><font style='font-family:Times New Roman;font-size:10pt;' > effective for interim and annual periods beginning after December 15, 2013. Implementation of this guidance did not have a material impact on MLOA&#8217;s financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >In February 2013, the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial Accounting Standards Board (&#8220;FASB&#8221;)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > issued new gui</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >dance to improve the reporting of reclassifications out of accumulated other comprehensive income (loss) (&#8220;AOCI&#8221;). The guidance requires disclosure of reclassification information either in the notes or the face of the financial statements provided the in</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >formation is presented in one location. This guidance was effective for interim and annual periods beginning after December 31, 2012. Implementation of this guidance did not have a material impact on MLOA&#8217;s financial statements.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These new disclosures ha</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ve been included in the Notes to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > financial statements, as appropriate. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Future Adoption of New Accounting Pronouncements</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In February 2015, the FASB issued a new consolidation standard that makes targeted amendments to the VIE assessment, includin</font><font style='font-family:Times New Roman;font-size:10pt;' >g guidance specific to limited partnerships and similar entities, and ends the deferral granted to investment companies for applying the VIE guidance</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font><font style='font-family:Times New Roman;font-size:10pt;' > The new standard is effective for annual periods, beginning after December 15, 2015, but may be early-ado</font><font style='font-family:Times New Roman;font-size:10pt;' >pted in any interim period. Management currently is evaluating the impacts this guidance may have on the </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217;s financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >In August 2014, the FASB issued new guidance which requires management to evaluate whether there is &#8220;substantial doubt&#8221; a</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bout the reporting entity&#8217;s ability to continue as a going concern and provide related footnote disclosures about those uncertainties, if they exist. The new guidance is effective for annual periods, ending after December 15, 2016 and interim periods ther</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eafter. Management does not expect implementation of this guidance will have a material impact on MLOA&#8217;s financial statements. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Investments</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The carrying values of fixed maturities classified as available-for-sale (&#8220;AFS&#8221;) are reported at fair value. </font><font style='font-family:Times New Roman;font-size:10pt;' >Changes in fair value are reported in comprehensive income. The amortized cost of fixed maturities is adjusted for impairments in value deemed to be other than temporary which are recognized in Investment gains (losses), net. The redeemable preferred sto</font><font style='font-family:Times New Roman;font-size:10pt;' >ck investments that are reported in fixed maturities include real estate investment trusts (&#8220;REIT&#8221;), perpetual preferred stock and redeemable preferred stock. These securities may not have a stated maturity, may not be cumulative and do not provide for ma</font><font style='font-family:Times New Roman;font-size:10pt;' >ndatory redemption by the issuer.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA determines the fair values of fixed maturities and equity securities based upon quoted prices in active markets, when available, or through the use of alternative approaches when market quotes are not readily </font><font style='font-family:Times New Roman;font-size:10pt;' >accessible or available. These alternative approaches include matrix or model pricing and use of independent pricing services, each supported by reference to principal market trades or other observable market assumptions for similar securities. More spec</font><font style='font-family:Times New Roman;font-size:10pt;' >ifically, the matrix pricing approach to fair value is a discounted cash flow methodology that incorporates market interest rates commensurate with the credit quality and duration of the investment.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA&#8217;s management, with the assistance of its investment</font><font style='font-family:Times New Roman;font-size:10pt;' > advisors, monitors the investment performance of its portfolio and reviews AFS securities with unrealized losses for other-than-temporary impairments (&#8220;OTTI&#8221;). Integral to this review is an assessment made each quarter, on a security-by-security basis, b</font><font style='font-family:Times New Roman;font-size:10pt;' >y the Investments Under Surveillance (&#8220;IUS&#8221;) Committee, of various indicators of credit deterioration to determine whether the investment security is expected to recover. This assessment includes, but is not limited to, consideration of the duration and s</font><font style='font-family:Times New Roman;font-size:10pt;' >everity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued</font><font style='font-family:Times New Roman;font-size:10pt;' > viability of the issuer and, for equity </font><font style='font-family:Times New Roman;font-size:10pt;' >securities only, the intent and ability to hold the investment until recovery, and results in identification of specific securities for which OTTI is recognized.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.5pt;' >If there is no intent to sell or likely requirement </font><font style='font-family:Times New Roman;font-size:10pt;' >to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings (loss) and the remainder of the fair value loss is recognized in OCI. The amount of credit loss is the shortfall </font><font style='font-family:Times New Roman;font-size:10pt;' >of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management&#8217;s best estimate of projected future cash flows at the effective interest rat</font><font style='font-family:Times New Roman;font-size:10pt;' >e implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of ma</font><font style='font-family:Times New Roman;font-size:10pt;' >nagement judgment and consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments</font><font style='font-family:Times New Roman;font-size:10pt;' > and underlying collateral value.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Real estate held for the production of income, including real estate acquired in satisfaction of debt, is stated at depreciated cost less valuation allowances. At the date of foreclosure (including in-substance foreclosu</font><font style='font-family:Times New Roman;font-size:10pt;' >re), real estate acquired in satisfaction of debt is valued at estimated fair value. Impaired real estate is written down to fair value with the impairment loss being included in Investment gains (losses), net.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Depreciation of real estate held for produc</font><font style='font-family:Times New Roman;font-size:10pt;' >tion of income is computed using the straight-line method over the estimated useful lives of the properties, which generally range from 40 to 50 years.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Policy loans are stated at unpaid principal balances.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Equity securities, which include common stock an</font><font style='font-family:Times New Roman;font-size:10pt;' >d non-redeemable preferred stock classified as AFS securities, are carried at fair value and are included in Other invested assets with changes in fair value reported in OCI.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Units in AllianceBernstein L.P. (&#8220;AllianceBernstein&#8221;), a subsidiary of </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Finan</font><font style='font-family:Times New Roman;font-size:10pt;' >cial, are carried on the equity method and reported in Other invested assets.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Short-term investments are reported at amortized cost that approximates fair value and are included in Other invested assets.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Cash and cash equivalents includes cash on hand, </font><font style='font-family:Times New Roman;font-size:10pt;' >amounts due from banks and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the recorded value is deemed to approximate fair value.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >All securities owned, includ</font><font style='font-family:Times New Roman;font-size:10pt;' >ing United States government and agency securities and mortgage-backed securities, are reported in the financial statements on a trade date basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Derivatives</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Derivatives are financial instruments whose values are derived from interest rates, foreign exc</font><font style='font-family:Times New Roman;font-size:10pt;' >hange rates, financial indices, values of securities or commodities, credit spreads, market volatility, expected returns, and liquidity. Values can also be affected by changes in estimates and assumptions, including those related to counterparty behavior </font><font style='font-family:Times New Roman;font-size:10pt;' >and non-performance risk used in valuation models. Derivative financial instruments generally used by MLOA include equity options and may be exchange-traded or contracted in the over-the-counter market. All derivative positions are carried in the balance</font><font style='font-family:Times New Roman;font-size:10pt;' > sheets at fair value, generally by obtaining quoted market prices or through the use of valuation models.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Freestanding derivative contracts are reported in the balance sheets either as assets within &#8220;Other invested assets&#8221; or as liabilities within &#8220;Other</font><font style='font-family:Times New Roman;font-size:10pt;' > liabilities.&#8221; MLOA nets the fair value of all derivative financial instruments with counterparties for which a standardized &#8220;ISDA Master Agreement&#8221; and related Credit Support Annex (&#8220;CSA&#8221;) have been executed. MLOA uses derivatives to manage asset/liabil</font><font style='font-family:Times New Roman;font-size:10pt;' >ity risk but has not designated those economic relationships under the criteria to qualify for hedge accounting treatment. </font><font style='font-family:Times New Roman;font-size:10pt;' >All changes in the fair value of MLOA freestanding derivative positions, including net receipts and payments, are included in &#8220;Inves</font><font style='font-family:Times New Roman;font-size:10pt;' >tment income (loss) from derivative instruments&#8221; without considering changes in the fair value of the economically associated assets or liabilities.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA is a party to financial instruments and other contracts that contain &#8220;embedded&#8221; derivative instrume</font><font style='font-family:Times New Roman;font-size:10pt;' >nts. At inception, MLOA assesses whether the economic characteristics of the embedded instrument are &#8220;clearly and closely related&#8221; to the economic characteristics of the remaining component of the &#8220;host contract&#8221; and whether a separate instrument with the</font><font style='font-family:Times New Roman;font-size:10pt;' > same terms as the embedded instrument would meet the definition of a derivative instrument. When those criteria are satisfied, the resulting embedded derivative is bifurcated from the host contract, carried in the balance sheets at fair value, and change</font><font style='font-family:Times New Roman;font-size:10pt;' >s in its fair value are recognized immediately and captioned in the statements of earnings (loss) according to the nature of the related host contract. For certain financial instruments that contain an embedded derivative that otherwise would need to be b</font><font style='font-family:Times New Roman;font-size:10pt;' >ifurcated and reported at fair value, the Company instead may elect to carry the entire instrument at fair value.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Mortgage Loans on Real Estate (&#8220;mortgage loans&#8221;):</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans are stated at unpaid principal balances, net of unamortized discounts and v</font><font style='font-family:Times New Roman;font-size:10pt;' >aluation allowances. Valuation allowances are based on the present value of expected future cash flows discounted at the loan&#8217;s original effective interest rate or on its collateral value if the loan is collateral dependent. However, if foreclosure is or</font><font style='font-family:Times New Roman;font-size:10pt;' > becomes probable, the collateral value measurement method is used.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For commercial and agricultural </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage </font><font style='font-family:Times New Roman;font-size:10pt;' >loans, an allowance for credit loss is typically recommended when management believes it is probable that principal and interest will not be colle</font><font style='font-family:Times New Roman;font-size:10pt;' >cted according to the contractual terms. Factors that influence management&#8217;s judgment in determining allowance for credit losses include the following:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Loan-to-value ratio &#8211; Derived from current loan balance divided by the fair market value of the </font><font style='font-family:Times New Roman;font-size:10pt;' >property.&#160; An allowance for credit loss is typically recommended when the loan-to-value ratio is in excess of 100%.&#160; &#160;In the case where the loan-to-value is in excess of 100%, the allowance for credit loss is derived by taking the difference between the fa</font><font style='font-family:Times New Roman;font-size:10pt;' >ir market value (less cost of sale) and the current loan balance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Debt service coverage ratio &#8211; Derived from actual net operating income divided by annual debt service.&#160; If the ratio is below 1.0x, then the income from the property does not support the de</font><font style='font-family:Times New Roman;font-size:10pt;' >bt.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Occupancy &#8211; Criteria varies by property type but low or below market occupancy is an indicator of sub-par property performance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Lease expirations &#8211; The percentage of leases expiring in the upcoming 12 to 36 months are monitored as a decline in rent a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd/or occupancy may negatively impact the debt service coverage ratio.&#160; In the case of single-tenant properties or properties with large tenant exposure, the lease expiration is a material risk factor.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Maturity &#8211; </font><font style='font-family:Times New Roman;font-size:10pt;' >M</font><font style='font-family:Times New Roman;font-size:10pt;' >ortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans that are not fully amortizi</font><font style='font-family:Times New Roman;font-size:10pt;' >ng and have upcoming maturities within the next 12 to 24 months are monitored in conjunction with the capital markets to determine the borrower&#8217;s ability to refinance the debt and/or pay off the balloon balance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Borrower/tenant related issues &#8211; Financial </font><font style='font-family:Times New Roman;font-size:10pt;' >concerns, potential bankruptcy, or words or actions that indicate imminent default or abandonment of property. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Payment status &#8211; current vs. delinquent &#8211; A history of delinquent payments may be a cause for concern.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Property condition &#8211; Significant deferr</font><font style='font-family:Times New Roman;font-size:10pt;' >ed maintenance observed during lenders annual site inspections.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Other &#8211; Any other factors such as current economic conditions may call into question the performance of the loan.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans also are individually evaluated quarterly by the IUS Committ</font><font style='font-family:Times New Roman;font-size:10pt;' >ee for impairment, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mo</font><font style='font-family:Times New Roman;font-size:10pt;' >rtgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages are also identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to c</font><font style='font-family:Times New Roman;font-size:10pt;' >omply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management</font><font style='font-family:Times New Roman;font-size:10pt;' > as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending </font><font style='font-family:Times New Roman;font-size:10pt;' >process. The allowance includes loan specific reserves for mortgage loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contra</font><font style='font-family:Times New Roman;font-size:10pt;' >ctual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on MLOA&#8217;s assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are record</font><font style='font-family:Times New Roman;font-size:10pt;' >ed based on the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decre</font><font style='font-family:Times New Roman;font-size:10pt;' >ase from period to period based on such factors.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Impaired mortgage loans without provision for losses are </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the fair value of the collateral or the net present value of the expected future cash flows related to the loan equals or exceeds the recorded investment. Interest income earned on </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the collateral value is used to measure </font><font style='font-family:Times New Roman;font-size:10pt;' >impairment is recorded on a cash basis. Interest income on </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the present value method is used to measure impairment is accrued on the net carrying value amount of the loan at the interest rate used to discount the cash flows. Changes </font><font style='font-family:Times New Roman;font-size:10pt;' >in the present value attributable to changes in the amount or timing of expected cash flows are reported as investment gains or losses.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans are placed on nonaccrual status once management believes the collection of accrued interest is doubtful.</font><font style='font-family:Times New Roman;font-size:10pt;' > Once mortgage loans are classified as nonaccrual </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans, interest income is recognized under the cash basis of accounting and the resumption of the interest accrual would commence only after all past due interest has been collected or the mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loan on real estate has been restructured to where the collection of interest is considered likely. At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the carrying values of commercial mortgage loans that had been classified as nonaccrual </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans were $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:22.3pt;color:#000000;' >Troubled Debt Restructuring</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >When a loan modification is determined to be a troubled debt restructuring, the impairment of the loan is re-measured by discounting the expected cash flows to be received based on the modified terms u</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >sing the loan&#8217;s original effective yield, and the allowance for loss is adjusted accordingly. Subsequent to the modification, income is recognized prospectively based on the modified terms of the </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans. Additionally, the loan continues to be sub</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ject to the credit review process noted above.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses)</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Realized investment gains (losses) are determined by identification with the specific asset and are prese</font><font style='font-family:Times New Roman;font-size:10pt;' >nted as a component of revenue. Changes in the valuation allowances are included in Investment gains (losses), net.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Unrealized investment gains (losses) on fixed maturities and equity securities designated as AFS held by MLOA are accounted for as a separ</font><font style='font-family:Times New Roman;font-size:10pt;' >ate component of AOCI, net of related deferred income taxes and amounts attributable to DAC and value of business acquired (&#8220;VOBA&#8221;) related to variable life and investment-type products.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Changes in unrealized gains (losses) reflect changes in fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > only those fixed maturities classified as AFS and do not reflect any changes in fair value of policyholders&#8217; account balances and future policy benefits.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Fair Value of Financial Instruments</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Fair value is defined as the exchange price that would be </font><font style='font-family:Times New Roman;font-size:10pt;' >received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance establishe</font><font style='font-family:Times New Roman;font-size:10pt;' >d a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27pt;' >Level 1</font><font style='font-family:Times New Roman;font-size:10pt;' > Unadjust</font><font style='font-family:Times New Roman;font-size:10pt;' >ed quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27pt;' >Level 2</font><font style='font-family:Times New Roman;font-size:10pt;' > Observable inputs</font><font style='font-family:Times New Roman;font-size:10pt;' > other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27.35pt;' >Level 3</font><font style='font-family:Times New Roman;font-size:10pt;' > Unobserv</font><font style='font-family:Times New Roman;font-size:10pt;' >able inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity&#8217;s own assumptions about the cash flows or other significant components of value that market participants would use in</font><font style='font-family:Times New Roman;font-size:10pt;' > pricing the asset or liability.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA defines fair value as the unadjusted quoted market prices for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using pre</font><font style='font-family:Times New Roman;font-size:10pt;' >sent value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected futu</font><font style='font-family:Times New Roman;font-size:10pt;' >re cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time MLOA&#8217;s entire holdings of a particular financial instrument, nor do they consider the tax</font><font style='font-family:Times New Roman;font-size:10pt;' > impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Management is </font><font style='font-family:Times New Roman;font-size:10pt;' >responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, MLOA often utilizes independent valuation service providers to gather, ana</font><font style='font-family:Times New Roman;font-size:10pt;' >lyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuatio</font><font style='font-family:Times New Roman;font-size:10pt;' >n model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific</font><font style='font-family:Times New Roman;font-size:10pt;' > asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-o</font><font style='font-family:Times New Roman;font-size:10pt;' >bservable information, as applicable. Specific attributes of the security being valued also are considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific i</font><font style='font-family:Times New Roman;font-size:10pt;' >nformation. When insufficient market observable information is available upon which to measure fair value, MLOA either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ widely accepted internal valuati</font><font style='font-family:Times New Roman;font-size:10pt;' >on models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Recognition of Insurance Income and Related Expenses</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Deposits related to</font><font style='font-family:Times New Roman;font-size:10pt;' > variable life and investment-type contracts are reported as increase to policyholders&#8217; account balances. Revenues from these contracts consist of fees assessed during the period against policyholders&#8217; account balances for mortality charges, policy admini</font><font style='font-family:Times New Roman;font-size:10pt;' >stration charges and surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policyholders&#8217; account balances.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Premiums from non-participating traditional life and annuit</font><font style='font-family:Times New Roman;font-size:10pt;' >y policies with life contingencies generally are recognized in income when due. Benefits and expenses are matched with such income so as to result in the recognition of profits over the life of the contracts. This match is accomplished by means of the pr</font><font style='font-family:Times New Roman;font-size:10pt;' >ovision for liabilities for future policy benefits and the deferral and subsequent amortization of policy acquisition costs.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For contracts with a single premium or a limited number of premium payments due over a significantly shorter period than the total</font><font style='font-family:Times New Roman;font-size:10pt;' > period over which benefits are provided, premiums are recorded as revenue when due with any excess profit deferred and recognized in income in a constant relationship to insurance in-force or, for annuities, the amount of expected future benefit payments.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >DAC and VOBA</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:21.6pt;' >DAC. </font><font style='font-family:Times New Roman;font-size:10pt;' >Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting </font><font style='font-family:Times New Roman;font-size:10pt;' >incremental direct costs of contract acquisition with independent third parties or employees that are essen</font><font style='font-family:Times New Roman;font-size:10pt;' >tial to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully</font><font style='font-family:Times New Roman;font-size:10pt;' > negotiated contracts</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >including commissions, underwriting, agency and policy issue expenses, are deferred. DAC is subject to recoverability testing at the time of policy issue and loss recognition testing at the end of each accounting period.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >After the i</font><font style='font-family:Times New Roman;font-size:10pt;' >nitial establishment of reserves, premium deficiency and loss recognition tests are performed each period end using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits </font><font style='font-family:Times New Roman;font-size:10pt;' >plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC would first be writte</font><font style='font-family:Times New Roman;font-size:10pt;' >n off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:21.6pt;' >VOBA. </font><font style='font-family:Times New Roman;font-size:10pt;' >VOBA, which arose from MLOA&#8217;s 2004 acquisition by AXA Financial, was established in accordance with purchase accounting guidance for busine</font><font style='font-family:Times New Roman;font-size:10pt;' >ss combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. VOBA is amortized over the expected life of the contracts (up to 50 years from the date </font><font style='font-family:Times New Roman;font-size:10pt;' >of issue) according to the type of contract using the methods described below as applicable. VOBA is subject to loss recognition testing at the end of each accounting period.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:22.3pt;' >Amortization Policy. </font><font style='font-family:Times New Roman;font-size:10pt;' >For universal life (&#8220;UL&#8221;) and investment-type products, D</font><font style='font-family:Times New Roman;font-size:10pt;' >AC and VOBA are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based o</font><font style='font-family:Times New Roman;font-size:10pt;' >n historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated a</font><font style='font-family:Times New Roman;font-size:10pt;' >ssessments. The effect on the amortization of DAC and VOBA of revisions to estimated gross profits or assessments is reflected in earnings in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or asse</font><font style='font-family:Times New Roman;font-size:10pt;' >ssments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losse</font><font style='font-family:Times New Roman;font-size:10pt;' >s) is recognized with an offset to AOCI in shareholders&#8217; equity as of the balance sheet date.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected </font><font style='font-family:Times New Roman;font-size:10pt;' >future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a </font><font style='font-family:Times New Roman;font-size:10pt;' >commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account </font><font style='font-family:Times New Roman;font-size:10pt;' >balances, increase the fees earned resulting in higher expected future gross profits and lower DAC and VOBA amortization for the period. The opposite occurs when returns are lower than expected. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In applying this approach to develop estimates of future r</font><font style='font-family:Times New Roman;font-size:10pt;' >eturns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return estimate is measured from December 3</font><font style='font-family:Times New Roman;font-size:10pt;' >1, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the average gross short-term and long-term annual</font><font style='font-family:Times New Roman;font-size:10pt;' > return estimate on variable and interest-sensitive life insurance was </font><font style='font-family:Times New Roman;font-size:10pt;' >9.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >7.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were </font><font style='font-family:Times New Roman;font-size:10pt;' >15.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >13.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weig</font><font style='font-family:Times New Roman;font-size:10pt;' >hted average Separate Account fees) and </font><font style='font-family:Times New Roman;font-size:10pt;' >0.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >-2.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in futu</font><font style='font-family:Times New Roman;font-size:10pt;' >re periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >If actual market returns continue at levels that would result in assuming future market returns of 15.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in a</font><font style='font-family:Times New Roman;font-size:10pt;' >ssumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, current projections of future average gross market returns assume a </font><font style='font-family:Times New Roman;font-size:10pt;' >0.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% annualized return for the next eight quar</font><font style='font-family:Times New Roman;font-size:10pt;' >ters, which is the minimum limitation, grading to a reversion to the mean of </font><font style='font-family:Times New Roman;font-size:10pt;' >9.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% in ten quarters.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In addition, projections of future mortality assumptions related to variable and interest-sensitive life products are based on a long-term average of actual</font><font style='font-family:Times New Roman;font-size:10pt;' > experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, det</font><font style='font-family:Times New Roman;font-size:10pt;' >erioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Other significant assumptions underlyi</font><font style='font-family:Times New Roman;font-size:10pt;' >ng gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Deferred Cost of </font><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;' >or Gain on </font><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;' >Reinsurance</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The cost of </font><font style='font-family:Times New Roman;font-size:10pt;' >or gain on</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying </font><font style='font-family:Times New Roman;font-size:10pt;' >reinsured </font><font style='font-family:Times New Roman;font-size:10pt;' >policies</font><font style='font-family:Times New Roman;font-size:10pt;' > in accordance with the reinsurance agreement</font><font style='font-family:Times New Roman;font-size:10pt;' >, n</font><font style='font-family:Times New Roman;font-size:10pt;' >et of the ceded commission received is deferred and amortized over the lives of the underlying policies.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Policyholders&#8217; Account Balances and Future Policy Benefits</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Policyholders&#8217; account balances for variable life and investment-type contracts are equal </font><font style='font-family:Times New Roman;font-size:10pt;' >to the policy account values. The policy account values represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA had issued certain variable annuity products with a guaranteed </font><font style='font-family:Times New Roman;font-size:10pt;' >minimum death benefit (&#8220;GMDB&#8221;) feature. MLOA also had issued certain variable annuity products that contain a GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuit</font><font style='font-family:Times New Roman;font-size:10pt;' >y based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates. This minimum lifetime annuity is based on predetermined annuity purchase rates applied to a GMIB </font><font style='font-family:Times New Roman;font-size:10pt;' >base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts using assumptions consistent with those used in estimati</font><font style='font-family:Times New Roman;font-size:10pt;' >ng gross profits for purposes of amortizing DAC and VOBA. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, </font><font style='font-family:Times New Roman;font-size:10pt;' >contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expect</font><font style='font-family:Times New Roman;font-size:10pt;' >ed average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. There can be no assurance that actual experience will be consistent with management&#8217;s estimates. </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA&#8217;s variable annuity cont</font><font style='font-family:Times New Roman;font-size:10pt;' >racts with GMDB and GMIB features in-force </font><font style='font-family:Times New Roman;font-size:10pt;' >that </font><font style='font-family:Times New Roman;font-size:10pt;' >guarantee one of the following:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals);</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Ratchet: the benefit is the greatest of current account va</font><font style='font-family:Times New Roman;font-size:10pt;' >lue, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals); </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for with</font><font style='font-family:Times New Roman;font-size:10pt;' >drawals) accumulated at contractually specified interest rates up to specified ages; or</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Combo: the benefit is the greater of the ratchet benefit or the roll-up b</font><font style='font-family:Times New Roman;font-size:10pt;' >enefit which may include a five-</font><font style='font-family:Times New Roman;font-size:10pt;' >year or an annual reset.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In connection with the reinsurance a</font><font style='font-family:Times New Roman;font-size:10pt;' >greement with Protective Life, MLOA has reinsured 100% of the risk associated with variable annuity products with GMDB and GMIB features.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For reinsurance contracts other than those covering GMIB exposure, reinsurance recoverable balances were calculated u</font><font style='font-family:Times New Roman;font-size:10pt;' >sing methodologies and assumptions that are consistent with those used to calculate the direct liabilities.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For non-participating traditional life insurance policies, future policy benefit liabilities are estimated using a net level premium method on the </font><font style='font-family:Times New Roman;font-size:10pt;' >basis of actuarial assumptions as to mortality, persistency and interest established at policy issue. Assumptions established at policy issue as to mortality and persistency are based on MLOA&#8217;s experience that, together with interest and expense assumptio</font><font style='font-family:Times New Roman;font-size:10pt;' >ns, includes a margin for adverse deviation. Benefit liabilities for traditional annuities during the accumulation period are equal to accumulated </font><font style='font-family:Times New Roman;font-size:10pt;' >contractholders</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217; fund balances and, after </font><font style='font-family:Times New Roman;font-size:10pt;' >annuitization</font><font style='font-family:Times New Roman;font-size:10pt;' >, are equal to the present value of expected future p</font><font style='font-family:Times New Roman;font-size:10pt;' >ayments.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >When the liabilities for future policy benefits plus the present value of expected future gross premiums for a product are insufficient to provide for expected future policy benefits and expenses for that product, DAC and VOBA are written off and</font><font style='font-family:Times New Roman;font-size:10pt;' > thereafter, if required, a premium deficiency reserve is established by a charge to earnings.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Separate Accounts</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Generally, Separate Accounts established under Arizona State Insurance Law are not chargeable with liabilities that arise from any other busi</font><font style='font-family:Times New Roman;font-size:10pt;' >ness of MLOA. Separate Accounts assets are subject to General Account claims only to the extent Separate Accounts assets exceed Separate Accounts liabilities. Assets and liabilities of the Separate Accounts represent the net deposits and accumulated net </font><font style='font-family:Times New Roman;font-size:10pt;' >investment earnings (loss) less fees, held primarily for the benefit of </font><font style='font-family:Times New Roman;font-size:10pt;' >contractholders</font><font style='font-family:Times New Roman;font-size:10pt;' >, and for which MLOA does not bear the investment risk. Separate Accounts&#8217; assets and liabilities are shown on separate lines in the balance sheets. Assets held in Sep</font><font style='font-family:Times New Roman;font-size:10pt;' >arate Accounts are reported at quoted market values or, where quoted values are not readily available or accessible for these securities, their fair value measures most often are determined through the use of model pricing that effectively discounts prospe</font><font style='font-family:Times New Roman;font-size:10pt;' >ctive cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security&#8217;s duration, also taking into consideration issuer-specific credit quality and liquidity. </font><font style='font-family:Times New Roman;font-size:10pt;' >The assets and liabilities of two Separate Accounts a</font><font style='font-family:Times New Roman;font-size:10pt;' >re presented and accounted for as General Account assets and liabilities due to the fact that not all of the investment performance in those Separate Accounts is passed through to policyholders. Investment assets in these Separate Accounts principally con</font><font style='font-family:Times New Roman;font-size:10pt;' >sist of fixed maturities that are classified as AFS in the accompanying consolidated financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The investment results of Separate Accounts, including unrealized gains (losses), on which MLOA does not bear the investment risk are reflected dire</font><font style='font-family:Times New Roman;font-size:10pt;' >ctly in Separate Accounts liabilities and are not reported in revenues in the statements of earnings (loss). For </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, investment results of such Separate Accounts were gains (losses) of $</font><font style='font-family:Times New Roman;font-size:10pt;' >24</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >256</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > and $</font><font style='font-family:Times New Roman;font-size:10pt;' >196</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Deposits to Separate Accounts are reported as increases in Separate Accounts liabilities and are not reported in revenues. Mortality, policy administration and surrender charges on all policies including those funded by S</font><font style='font-family:Times New Roman;font-size:10pt;' >eparate Accounts are included in revenues.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA reports the General Account&#8217;s interests in Separate Accounts as other invested assets in the balance sheets.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Other Accounting Policies</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >AXA Financial and certain of its consolidated subsidiaries and affilia</font><font style='font-family:Times New Roman;font-size:10pt;' >tes, including MLOA, file a consolidated Federal income tax return.</font><font style='font-family:Times New Roman;font-size:12pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabi</font><font style='font-family:Times New Roman;font-size:10pt;' >lities. </font><font style='font-family:Times New Roman;font-size:10pt;' >Current Federal income taxes are charged or credited to operations based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.&#160; Deferred income tax assets and liabilities are recognized based on</font><font style='font-family:Times New Roman;font-size:10pt;' > the difference between financial statement carrying amounts and income tax bases of assets and liabilities using enacted income tax rates and laws.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >Valuation allowances are established when management determines, based on available information, that it is</font><font style='font-family:Times New Roman;font-size:10pt;' > more likely than not that deferred tax assets will not be realized.</font><font style='font-family:Times New Roman;font-size:12pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >&#160;</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Under accounting for uncertainty in income taxes guidance, MLOA determines whether it is more likely than not that a tax position will be sustained upon examination by the appropriate </font><font style='font-family:Times New Roman;font-size:10pt;' >taxing authorities before any part of the benefit can be recorded in the financial statements.&#160; Tax positions are then measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Out of Period Adjustments </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In 2014, MLOA recorded an out-of-period adjustment in its financial statements related to an overstatement of shadow VOBA in shareholder&#8217;s equity, which subsequently resulted in an overstatement of the deferred cost of reinsurance asset. In addition in 2</font><font style='font-family:Times New Roman;font-size:10pt;' >014, MLOA recorded an out-of- period adjustment related to the application of the equity method of accounting for its investment in AllianceBernstein. The impact of these out-of-period adjustments resulted in a $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million decrease in Net earnings ($</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > mill</font><font style='font-family:Times New Roman;font-size:10pt;' >ion before taxes) and an $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million decrease to other comprehensive income in 2014. In 2013, MLOA recorded an out-of-period adjustment in its financial statements related to an understatement of the current and deferred tax liability. The net impact of t</font><font style='font-family:Times New Roman;font-size:10pt;' >his out-of-period adjustment increased Current and deferred income taxes and Income tax expense by $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million in 2013. Management has evaluated the impact of all out of period corrections both individually and in the aggregate and concluded they are not m</font><font style='font-family:Times New Roman;font-size:10pt;' >aterial to any previously reported annual financial statements.</font></p></div> 0 6000000 0.09 0.07 0.15 0.13 0 0.02 0 0.09 24000000 256000000 196000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Adoption of New Accounting Pronouncements</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In July 2013, the FASB issued new guidance on the presentation of an unrecognized tax benefit when a net operating loss </font><font style='font-family:Times New Roman;font-size:10pt;' >carryforward</font><font style='font-family:Times New Roman;font-size:10pt;' >, a similar tax loss, or a tax credit </font><font style='font-family:Times New Roman;font-size:10pt;' >carryforward</font><font style='font-family:Times New Roman;font-size:10pt;' > exists. </font><font style='font-family:Times New Roman;font-size:10pt;' >This guidance was</font><font style='font-family:Times New Roman;font-size:10pt;' > effective for interim and annual periods beginning after December 15, 2013. Implementation of this guidance did not have a material impact on MLOA&#8217;s financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >In February 2013, the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial Accounting Standards Board (&#8220;FASB&#8221;)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > issued new gui</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >dance to improve the reporting of reclassifications out of accumulated other comprehensive income (loss) (&#8220;AOCI&#8221;). The guidance requires disclosure of reclassification information either in the notes or the face of the financial statements provided the in</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >formation is presented in one location. This guidance was effective for interim and annual periods beginning after December 31, 2012. Implementation of this guidance did not have a material impact on MLOA&#8217;s financial statements.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These new disclosures ha</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ve been included in the Notes to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > financial statements, as appropriate. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Future Adoption of New Accounting Pronouncements</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In February 2015, the FASB issued a new consolidation standard that makes targeted amendments to the VIE assessment, includin</font><font style='font-family:Times New Roman;font-size:10pt;' >g guidance specific to limited partnerships and similar entities, and ends the deferral granted to investment companies for applying the VIE guidance</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font><font style='font-family:Times New Roman;font-size:10pt;' > The new standard is effective for annual periods, beginning after December 15, 2015, but may be early-ado</font><font style='font-family:Times New Roman;font-size:10pt;' >pted in any interim period. Management currently is evaluating the impacts this guidance may have on the </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217;s financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >In August 2014, the FASB issued new guidance which requires management to evaluate whether there is &#8220;substantial doubt&#8221; a</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bout the reporting entity&#8217;s ability to continue as a going concern and provide related footnote disclosures about those uncertainties, if they exist. The new guidance is effective for annual periods, ending after December 15, 2016 and interim periods ther</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eafter. Management does not expect implementation of this guidance will have a material impact on MLOA&#8217;s financial statements. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Investments</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The carrying values of fixed maturities classified as available-for-sale (&#8220;AFS&#8221;) are reported at fair value. </font><font style='font-family:Times New Roman;font-size:10pt;' >Changes in fair value are reported in comprehensive income. The amortized cost of fixed maturities is adjusted for impairments in value deemed to be other than temporary which are recognized in Investment gains (losses), net. The redeemable preferred sto</font><font style='font-family:Times New Roman;font-size:10pt;' >ck investments that are reported in fixed maturities include real estate investment trusts (&#8220;REIT&#8221;), perpetual preferred stock and redeemable preferred stock. These securities may not have a stated maturity, may not be cumulative and do not provide for ma</font><font style='font-family:Times New Roman;font-size:10pt;' >ndatory redemption by the issuer.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA determines the fair values of fixed maturities and equity securities based upon quoted prices in active markets, when available, or through the use of alternative approaches when market quotes are not readily </font><font style='font-family:Times New Roman;font-size:10pt;' >accessible or available. These alternative approaches include matrix or model pricing and use of independent pricing services, each supported by reference to principal market trades or other observable market assumptions for similar securities. More spec</font><font style='font-family:Times New Roman;font-size:10pt;' >ifically, the matrix pricing approach to fair value is a discounted cash flow methodology that incorporates market interest rates commensurate with the credit quality and duration of the investment.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA&#8217;s management, with the assistance of its investment</font><font style='font-family:Times New Roman;font-size:10pt;' > advisors, monitors the investment performance of its portfolio and reviews AFS securities with unrealized losses for other-than-temporary impairments (&#8220;OTTI&#8221;). Integral to this review is an assessment made each quarter, on a security-by-security basis, b</font><font style='font-family:Times New Roman;font-size:10pt;' >y the Investments Under Surveillance (&#8220;IUS&#8221;) Committee, of various indicators of credit deterioration to determine whether the investment security is expected to recover. This assessment includes, but is not limited to, consideration of the duration and s</font><font style='font-family:Times New Roman;font-size:10pt;' >everity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued</font><font style='font-family:Times New Roman;font-size:10pt;' > viability of the issuer and, for equity </font><font style='font-family:Times New Roman;font-size:10pt;' >securities only, the intent and ability to hold the investment until recovery, and results in identification of specific securities for which OTTI is recognized.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.5pt;' >If there is no intent to sell or likely requirement </font><font style='font-family:Times New Roman;font-size:10pt;' >to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings (loss) and the remainder of the fair value loss is recognized in OCI. The amount of credit loss is the shortfall </font><font style='font-family:Times New Roman;font-size:10pt;' >of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management&#8217;s best estimate of projected future cash flows at the effective interest rat</font><font style='font-family:Times New Roman;font-size:10pt;' >e implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of ma</font><font style='font-family:Times New Roman;font-size:10pt;' >nagement judgment and consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments</font><font style='font-family:Times New Roman;font-size:10pt;' > and underlying collateral value.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Real estate held for the production of income, including real estate acquired in satisfaction of debt, is stated at depreciated cost less valuation allowances. At the date of foreclosure (including in-substance foreclosu</font><font style='font-family:Times New Roman;font-size:10pt;' >re), real estate acquired in satisfaction of debt is valued at estimated fair value. Impaired real estate is written down to fair value with the impairment loss being included in Investment gains (losses), net.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Depreciation of real estate held for produc</font><font style='font-family:Times New Roman;font-size:10pt;' >tion of income is computed using the straight-line method over the estimated useful lives of the properties, which generally range from 40 to 50 years.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Policy loans are stated at unpaid principal balances.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Equity securities, which include common stock an</font><font style='font-family:Times New Roman;font-size:10pt;' >d non-redeemable preferred stock classified as AFS securities, are carried at fair value and are included in Other invested assets with changes in fair value reported in OCI.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Units in AllianceBernstein L.P. (&#8220;AllianceBernstein&#8221;), a subsidiary of </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Finan</font><font style='font-family:Times New Roman;font-size:10pt;' >cial, are carried on the equity method and reported in Other invested assets.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Short-term investments are reported at amortized cost that approximates fair value and are included in Other invested assets.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Cash and cash equivalents includes cash on hand, </font><font style='font-family:Times New Roman;font-size:10pt;' >amounts due from banks and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the recorded value is deemed to approximate fair value.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >All securities owned, includ</font><font style='font-family:Times New Roman;font-size:10pt;' >ing United States government and agency securities and mortgage-backed securities, are reported in the financial statements on a trade date basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Mortgage Loans on Real Estate (&#8220;mortgage loans&#8221;):</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans are stated at unpaid principal balances, net of unamortized discounts and v</font><font style='font-family:Times New Roman;font-size:10pt;' >aluation allowances. Valuation allowances are based on the present value of expected future cash flows discounted at the loan&#8217;s original effective interest rate or on its collateral value if the loan is collateral dependent. However, if foreclosure is or</font><font style='font-family:Times New Roman;font-size:10pt;' > becomes probable, the collateral value measurement method is used.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For commercial and agricultural </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage </font><font style='font-family:Times New Roman;font-size:10pt;' >loans, an allowance for credit loss is typically recommended when management believes it is probable that principal and interest will not be colle</font><font style='font-family:Times New Roman;font-size:10pt;' >cted according to the contractual terms. Factors that influence management&#8217;s judgment in determining allowance for credit losses include the following:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Loan-to-value ratio &#8211; Derived from current loan balance divided by the fair market value of the </font><font style='font-family:Times New Roman;font-size:10pt;' >property.&#160; An allowance for credit loss is typically recommended when the loan-to-value ratio is in excess of 100%.&#160; &#160;In the case where the loan-to-value is in excess of 100%, the allowance for credit loss is derived by taking the difference between the fa</font><font style='font-family:Times New Roman;font-size:10pt;' >ir market value (less cost of sale) and the current loan balance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Debt service coverage ratio &#8211; Derived from actual net operating income divided by annual debt service.&#160; If the ratio is below 1.0x, then the income from the property does not support the de</font><font style='font-family:Times New Roman;font-size:10pt;' >bt.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Occupancy &#8211; Criteria varies by property type but low or below market occupancy is an indicator of sub-par property performance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Lease expirations &#8211; The percentage of leases expiring in the upcoming 12 to 36 months are monitored as a decline in rent a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd/or occupancy may negatively impact the debt service coverage ratio.&#160; In the case of single-tenant properties or properties with large tenant exposure, the lease expiration is a material risk factor.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Maturity &#8211; </font><font style='font-family:Times New Roman;font-size:10pt;' >M</font><font style='font-family:Times New Roman;font-size:10pt;' >ortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans that are not fully amortizi</font><font style='font-family:Times New Roman;font-size:10pt;' >ng and have upcoming maturities within the next 12 to 24 months are monitored in conjunction with the capital markets to determine the borrower&#8217;s ability to refinance the debt and/or pay off the balloon balance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Borrower/tenant related issues &#8211; Financial </font><font style='font-family:Times New Roman;font-size:10pt;' >concerns, potential bankruptcy, or words or actions that indicate imminent default or abandonment of property. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Payment status &#8211; current vs. delinquent &#8211; A history of delinquent payments may be a cause for concern.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Property condition &#8211; Significant deferr</font><font style='font-family:Times New Roman;font-size:10pt;' >ed maintenance observed during lenders annual site inspections.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Other &#8211; Any other factors such as current economic conditions may call into question the performance of the loan.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans also are individually evaluated quarterly by the IUS Committ</font><font style='font-family:Times New Roman;font-size:10pt;' >ee for impairment, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mo</font><font style='font-family:Times New Roman;font-size:10pt;' >rtgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages are also identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to c</font><font style='font-family:Times New Roman;font-size:10pt;' >omply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management</font><font style='font-family:Times New Roman;font-size:10pt;' > as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending </font><font style='font-family:Times New Roman;font-size:10pt;' >process. The allowance includes loan specific reserves for mortgage loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contra</font><font style='font-family:Times New Roman;font-size:10pt;' >ctual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on MLOA&#8217;s assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are record</font><font style='font-family:Times New Roman;font-size:10pt;' >ed based on the present value of expected future cash flows discounted at the loan&#8217;s effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decre</font><font style='font-family:Times New Roman;font-size:10pt;' >ase from period to period based on such factors.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Impaired mortgage loans without provision for losses are </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the fair value of the collateral or the net present value of the expected future cash flows related to the loan equals or exceeds the recorded investment. Interest income earned on </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the collateral value is used to measure </font><font style='font-family:Times New Roman;font-size:10pt;' >impairment is recorded on a cash basis. Interest income on </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans where the present value method is used to measure impairment is accrued on the net carrying value amount of the loan at the interest rate used to discount the cash flows. Changes </font><font style='font-family:Times New Roman;font-size:10pt;' >in the present value attributable to changes in the amount or timing of expected cash flows are reported as investment gains or losses.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Mortgage loans are placed on nonaccrual status once management believes the collection of accrued interest is doubtful.</font><font style='font-family:Times New Roman;font-size:10pt;' > Once mortgage loans are classified as nonaccrual </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans, interest income is recognized under the cash basis of accounting and the resumption of the interest accrual would commence only after all past due interest has been collected or the mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loan on real estate has been restructured to where the collection of interest is considered likely. At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the carrying values of commercial mortgage loans that had been classified as nonaccrual </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;' > loans were $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:22.3pt;color:#000000;' >Troubled Debt Restructuring</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >When a loan modification is determined to be a troubled debt restructuring, the impairment of the loan is re-measured by discounting the expected cash flows to be received based on the modified terms u</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >sing the loan&#8217;s original effective yield, and the allowance for loss is adjusted accordingly. Subsequent to the modification, income is recognized prospectively based on the modified terms of the </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans. Additionally, the loan continues to be sub</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ject to the credit review process noted above.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses)</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Realized investment gains (losses) are determined by identification with the specific asset and are prese</font><font style='font-family:Times New Roman;font-size:10pt;' >nted as a component of revenue. Changes in the valuation allowances are included in Investment gains (losses), net.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Unrealized investment gains (losses) on fixed maturities and equity securities designated as AFS held by MLOA are accounted for as a separ</font><font style='font-family:Times New Roman;font-size:10pt;' >ate component of AOCI, net of related deferred income taxes and amounts attributable to DAC and value of business acquired (&#8220;VOBA&#8221;) related to variable life and investment-type products.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Changes in unrealized gains (losses) reflect changes in fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > only those fixed maturities classified as AFS and do not reflect any changes in fair value of policyholders&#8217; account balances and future policy benefits.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Fair Value of Financial Instruments</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Fair value is defined as the exchange price that would be </font><font style='font-family:Times New Roman;font-size:10pt;' >received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance establishe</font><font style='font-family:Times New Roman;font-size:10pt;' >d a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27pt;' >Level 1</font><font style='font-family:Times New Roman;font-size:10pt;' > Unadjust</font><font style='font-family:Times New Roman;font-size:10pt;' >ed quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27pt;' >Level 2</font><font style='font-family:Times New Roman;font-size:10pt;' > Observable inputs</font><font style='font-family:Times New Roman;font-size:10pt;' > other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:27.35pt;' >Level 3</font><font style='font-family:Times New Roman;font-size:10pt;' > Unobserv</font><font style='font-family:Times New Roman;font-size:10pt;' >able inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity&#8217;s own assumptions about the cash flows or other significant components of value that market participants would use in</font><font style='font-family:Times New Roman;font-size:10pt;' > pricing the asset or liability.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA defines fair value as the unadjusted quoted market prices for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using pre</font><font style='font-family:Times New Roman;font-size:10pt;' >sent value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected futu</font><font style='font-family:Times New Roman;font-size:10pt;' >re cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time MLOA&#8217;s entire holdings of a particular financial instrument, nor do they consider the tax</font><font style='font-family:Times New Roman;font-size:10pt;' > impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Management is </font><font style='font-family:Times New Roman;font-size:10pt;' >responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, MLOA often utilizes independent valuation service providers to gather, ana</font><font style='font-family:Times New Roman;font-size:10pt;' >lyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuatio</font><font style='font-family:Times New Roman;font-size:10pt;' >n model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific</font><font style='font-family:Times New Roman;font-size:10pt;' > asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-o</font><font style='font-family:Times New Roman;font-size:10pt;' >bservable information, as applicable. Specific attributes of the security being valued also are considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific i</font><font style='font-family:Times New Roman;font-size:10pt;' >nformation. When insufficient market observable information is available upon which to measure fair value, MLOA either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ widely accepted internal valuati</font><font style='font-family:Times New Roman;font-size:10pt;' >on models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Recognition of Insurance Income and Related Expenses</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Deposits related to</font><font style='font-family:Times New Roman;font-size:10pt;' > variable life and investment-type contracts are reported as increase to policyholders&#8217; account balances. Revenues from these contracts consist of fees assessed during the period against policyholders&#8217; account balances for mortality charges, policy admini</font><font style='font-family:Times New Roman;font-size:10pt;' >stration charges and surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policyholders&#8217; account balances.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Premiums from non-participating traditional life and annuit</font><font style='font-family:Times New Roman;font-size:10pt;' >y policies with life contingencies generally are recognized in income when due. Benefits and expenses are matched with such income so as to result in the recognition of profits over the life of the contracts. This match is accomplished by means of the pr</font><font style='font-family:Times New Roman;font-size:10pt;' >ovision for liabilities for future policy benefits and the deferral and subsequent amortization of policy acquisition costs.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For contracts with a single premium or a limited number of premium payments due over a significantly shorter period than the total</font><font style='font-family:Times New Roman;font-size:10pt;' > period over which benefits are provided, premiums are recorded as revenue when due with any excess profit deferred and recognized in income in a constant relationship to insurance in-force or, for annuities, the amount of expected future benefit payments.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >DAC and VOBA</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:21.6pt;' >DAC. </font><font style='font-family:Times New Roman;font-size:10pt;' >Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting </font><font style='font-family:Times New Roman;font-size:10pt;' >incremental direct costs of contract acquisition with independent third parties or employees that are essen</font><font style='font-family:Times New Roman;font-size:10pt;' >tial to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully</font><font style='font-family:Times New Roman;font-size:10pt;' > negotiated contracts</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >including commissions, underwriting, agency and policy issue expenses, are deferred. DAC is subject to recoverability testing at the time of policy issue and loss recognition testing at the end of each accounting period.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >After the i</font><font style='font-family:Times New Roman;font-size:10pt;' >nitial establishment of reserves, premium deficiency and loss recognition tests are performed each period end using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits </font><font style='font-family:Times New Roman;font-size:10pt;' >plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC would first be writte</font><font style='font-family:Times New Roman;font-size:10pt;' >n off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:21.6pt;' >VOBA. </font><font style='font-family:Times New Roman;font-size:10pt;' >VOBA, which arose from MLOA&#8217;s 2004 acquisition by AXA Financial, was established in accordance with purchase accounting guidance for busine</font><font style='font-family:Times New Roman;font-size:10pt;' >ss combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. VOBA is amortized over the expected life of the contracts (up to 50 years from the date </font><font style='font-family:Times New Roman;font-size:10pt;' >of issue) according to the type of contract using the methods described below as applicable. VOBA is subject to loss recognition testing at the end of each accounting period.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:22.3pt;' >Amortization Policy. </font><font style='font-family:Times New Roman;font-size:10pt;' >For universal life (&#8220;UL&#8221;) and investment-type products, D</font><font style='font-family:Times New Roman;font-size:10pt;' >AC and VOBA are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based o</font><font style='font-family:Times New Roman;font-size:10pt;' >n historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated a</font><font style='font-family:Times New Roman;font-size:10pt;' >ssessments. The effect on the amortization of DAC and VOBA of revisions to estimated gross profits or assessments is reflected in earnings in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or asse</font><font style='font-family:Times New Roman;font-size:10pt;' >ssments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losse</font><font style='font-family:Times New Roman;font-size:10pt;' >s) is recognized with an offset to AOCI in shareholders&#8217; equity as of the balance sheet date.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected </font><font style='font-family:Times New Roman;font-size:10pt;' >future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a </font><font style='font-family:Times New Roman;font-size:10pt;' >commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account </font><font style='font-family:Times New Roman;font-size:10pt;' >balances, increase the fees earned resulting in higher expected future gross profits and lower DAC and VOBA amortization for the period. The opposite occurs when returns are lower than expected. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In applying this approach to develop estimates of future r</font><font style='font-family:Times New Roman;font-size:10pt;' >eturns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return estimate is measured from December 3</font><font style='font-family:Times New Roman;font-size:10pt;' >1, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the average gross short-term and long-term annual</font><font style='font-family:Times New Roman;font-size:10pt;' > return estimate on variable and interest-sensitive life insurance was </font><font style='font-family:Times New Roman;font-size:10pt;' >9.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >7.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were </font><font style='font-family:Times New Roman;font-size:10pt;' >15.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >13.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weig</font><font style='font-family:Times New Roman;font-size:10pt;' >hted average Separate Account fees) and </font><font style='font-family:Times New Roman;font-size:10pt;' >0.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% (</font><font style='font-family:Times New Roman;font-size:10pt;' >-2.00</font><font style='font-family:Times New Roman;font-size:10pt;' >% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in futu</font><font style='font-family:Times New Roman;font-size:10pt;' >re periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >If actual market returns continue at levels that would result in assuming future market returns of 15.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in a</font><font style='font-family:Times New Roman;font-size:10pt;' >ssumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, current projections of future average gross market returns assume a </font><font style='font-family:Times New Roman;font-size:10pt;' >0.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% annualized return for the next eight quar</font><font style='font-family:Times New Roman;font-size:10pt;' >ters, which is the minimum limitation, grading to a reversion to the mean of </font><font style='font-family:Times New Roman;font-size:10pt;' >9.0</font><font style='font-family:Times New Roman;font-size:10pt;' >% in ten quarters.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In addition, projections of future mortality assumptions related to variable and interest-sensitive life products are based on a long-term average of actual</font><font style='font-family:Times New Roman;font-size:10pt;' > experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, det</font><font style='font-family:Times New Roman;font-size:10pt;' >erioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Other significant assumptions underlyi</font><font style='font-family:Times New Roman;font-size:10pt;' >ng gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Policyholders&#8217; Account Balances and Future Policy Benefits</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Policyholders&#8217; account balances for variable life and investment-type contracts are equal </font><font style='font-family:Times New Roman;font-size:10pt;' >to the policy account values. The policy account values represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA had issued certain variable annuity products with a guaranteed </font><font style='font-family:Times New Roman;font-size:10pt;' >minimum death benefit (&#8220;GMDB&#8221;) feature. MLOA also had issued certain variable annuity products that contain a GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuit</font><font style='font-family:Times New Roman;font-size:10pt;' >y based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates. This minimum lifetime annuity is based on predetermined annuity purchase rates applied to a GMIB </font><font style='font-family:Times New Roman;font-size:10pt;' >base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts using assumptions consistent with those used in estimati</font><font style='font-family:Times New Roman;font-size:10pt;' >ng gross profits for purposes of amortizing DAC and VOBA. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, </font><font style='font-family:Times New Roman;font-size:10pt;' >contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expect</font><font style='font-family:Times New Roman;font-size:10pt;' >ed average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. There can be no assurance that actual experience will be consistent with management&#8217;s estimates. </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA&#8217;s variable annuity cont</font><font style='font-family:Times New Roman;font-size:10pt;' >racts with GMDB and GMIB features in-force </font><font style='font-family:Times New Roman;font-size:10pt;' >that </font><font style='font-family:Times New Roman;font-size:10pt;' >guarantee one of the following:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals);</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Ratchet: the benefit is the greatest of current account va</font><font style='font-family:Times New Roman;font-size:10pt;' >lue, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals); </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for with</font><font style='font-family:Times New Roman;font-size:10pt;' >drawals) accumulated at contractually specified interest rates up to specified ages; or</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;' >Combo: the benefit is the greater of the ratchet benefit or the roll-up b</font><font style='font-family:Times New Roman;font-size:10pt;' >enefit which may include a five-</font><font style='font-family:Times New Roman;font-size:10pt;' >year or an annual reset.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In connection with the reinsurance a</font><font style='font-family:Times New Roman;font-size:10pt;' >greement with Protective Life, MLOA has reinsured 100% of the risk associated with variable annuity products with GMDB and GMIB features.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For reinsurance contracts other than those covering GMIB exposure, reinsurance recoverable balances were calculated u</font><font style='font-family:Times New Roman;font-size:10pt;' >sing methodologies and assumptions that are consistent with those used to calculate the direct liabilities.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For non-participating traditional life insurance policies, future policy benefit liabilities are estimated using a net level premium method on the </font><font style='font-family:Times New Roman;font-size:10pt;' >basis of actuarial assumptions as to mortality, persistency and interest established at policy issue. Assumptions established at policy issue as to mortality and persistency are based on MLOA&#8217;s experience that, together with interest and expense assumptio</font><font style='font-family:Times New Roman;font-size:10pt;' >ns, includes a margin for adverse deviation. Benefit liabilities for traditional annuities during the accumulation period are equal to accumulated </font><font style='font-family:Times New Roman;font-size:10pt;' >contractholders</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217; fund balances and, after </font><font style='font-family:Times New Roman;font-size:10pt;' >annuitization</font><font style='font-family:Times New Roman;font-size:10pt;' >, are equal to the present value of expected future p</font><font style='font-family:Times New Roman;font-size:10pt;' >ayments.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >When the liabilities for future policy benefits plus the present value of expected future gross premiums for a product are insufficient to provide for expected future policy benefits and expenses for that product, DAC and VOBA are written off and</font><font style='font-family:Times New Roman;font-size:10pt;' > thereafter, if required, a premium deficiency reserve is established by a charge to earnings.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Separate Accounts</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Generally, Separate Accounts established under Arizona State Insurance Law are not chargeable with liabilities that arise from any other busi</font><font style='font-family:Times New Roman;font-size:10pt;' >ness of MLOA. Separate Accounts assets are subject to General Account claims only to the extent Separate Accounts assets exceed Separate Accounts liabilities. Assets and liabilities of the Separate Accounts represent the net deposits and accumulated net </font><font style='font-family:Times New Roman;font-size:10pt;' >investment earnings (loss) less fees, held primarily for the benefit of </font><font style='font-family:Times New Roman;font-size:10pt;' >contractholders</font><font style='font-family:Times New Roman;font-size:10pt;' >, and for which MLOA does not bear the investment risk. Separate Accounts&#8217; assets and liabilities are shown on separate lines in the balance sheets. Assets held in Sep</font><font style='font-family:Times New Roman;font-size:10pt;' >arate Accounts are reported at quoted market values or, where quoted values are not readily available or accessible for these securities, their fair value measures most often are determined through the use of model pricing that effectively discounts prospe</font><font style='font-family:Times New Roman;font-size:10pt;' >ctive cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security&#8217;s duration, also taking into consideration issuer-specific credit quality and liquidity. </font><font style='font-family:Times New Roman;font-size:10pt;' >The assets and liabilities of two Separate Accounts a</font><font style='font-family:Times New Roman;font-size:10pt;' >re presented and accounted for as General Account assets and liabilities due to the fact that not all of the investment performance in those Separate Accounts is passed through to policyholders. Investment assets in these Separate Accounts principally con</font><font style='font-family:Times New Roman;font-size:10pt;' >sist of fixed maturities that are classified as AFS in the accompanying consolidated financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The investment results of Separate Accounts, including unrealized gains (losses), on which MLOA does not bear the investment risk are reflected dire</font><font style='font-family:Times New Roman;font-size:10pt;' >ctly in Separate Accounts liabilities and are not reported in revenues in the statements of earnings (loss). For </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, investment results of such Separate Accounts were gains (losses) of $</font><font style='font-family:Times New Roman;font-size:10pt;' >24</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >256</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > and $</font><font style='font-family:Times New Roman;font-size:10pt;' >196</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Deposits to Separate Accounts are reported as increases in Separate Accounts liabilities and are not reported in revenues. Mortality, policy administration and surrender charges on all policies including those funded by S</font><font style='font-family:Times New Roman;font-size:10pt;' >eparate Accounts are included in revenues.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA reports the General Account&#8217;s interests in Separate Accounts as other invested assets in the balance sheets.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Other Accounting Policies</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >AXA Financial and certain of its consolidated subsidiaries and affilia</font><font style='font-family:Times New Roman;font-size:10pt;' >tes, including MLOA, file a consolidated Federal income tax return.</font><font style='font-family:Times New Roman;font-size:12pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabi</font><font style='font-family:Times New Roman;font-size:10pt;' >lities. </font><font style='font-family:Times New Roman;font-size:10pt;' >Current Federal income taxes are charged or credited to operations based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.&#160; Deferred income tax assets and liabilities are recognized based on</font><font style='font-family:Times New Roman;font-size:10pt;' > the difference between financial statement carrying amounts and income tax bases of assets and liabilities using enacted income tax rates and laws.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >Valuation allowances are established when management determines, based on available information, that it is</font><font style='font-family:Times New Roman;font-size:10pt;' > more likely than not that deferred tax assets will not be realized.</font><font style='font-family:Times New Roman;font-size:12pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >&#160;</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Under accounting for uncertainty in income taxes guidance, MLOA determines whether it is more likely than not that a tax position will be sustained upon examination by the appropriate </font><font style='font-family:Times New Roman;font-size:10pt;' >taxing authorities before any part of the benefit can be recorded in the financial statements.&#160; Tax positions are then measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Out of Period Adjustments </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In 2014, MLOA recorded an out-of-period adjustment in its financial statements related to an overstatement of shadow VOBA in shareholder&#8217;s equity, which subsequently resulted in an overstatement of the deferred cost of reinsurance asset. In addition in 2</font><font style='font-family:Times New Roman;font-size:10pt;' >014, MLOA recorded an out-of- period adjustment related to the application of the equity method of accounting for its investment in AllianceBernstein. The impact of these out-of-period adjustments resulted in a $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million decrease in Net earnings ($</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > mill</font><font style='font-family:Times New Roman;font-size:10pt;' >ion before taxes) and an $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million decrease to other comprehensive income in 2014. In 2013, MLOA recorded an out-of-period adjustment in its financial statements related to an understatement of the current and deferred tax liability. The net impact of t</font><font style='font-family:Times New Roman;font-size:10pt;' >his out-of-period adjustment increased Current and deferred income taxes and Income tax expense by $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million in 2013. Management has evaluated the impact of all out of period corrections both individually and in the aggregate and concluded they are not m</font><font style='font-family:Times New Roman;font-size:10pt;' >aterial to any previously reported annual financial statements.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Derivatives</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Derivatives are financial instruments whose values are derived from interest rates, foreign exc</font><font style='font-family:Times New Roman;font-size:10pt;' >hange rates, financial indices, values of securities or commodities, credit spreads, market volatility, expected returns, and liquidity. Values can also be affected by changes in estimates and assumptions, including those related to counterparty behavior </font><font style='font-family:Times New Roman;font-size:10pt;' >and non-performance risk used in valuation models. Derivative financial instruments generally used by MLOA include equity options and may be exchange-traded or contracted in the over-the-counter market. All derivative positions are carried in the balance</font><font style='font-family:Times New Roman;font-size:10pt;' > sheets at fair value, generally by obtaining quoted market prices or through the use of valuation models.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Freestanding derivative contracts are reported in the balance sheets either as assets within &#8220;Other invested assets&#8221; or as liabilities within &#8220;Other</font><font style='font-family:Times New Roman;font-size:10pt;' > liabilities.&#8221; MLOA nets the fair value of all derivative financial instruments with counterparties for which a standardized &#8220;ISDA Master Agreement&#8221; and related Credit Support Annex (&#8220;CSA&#8221;) have been executed. MLOA uses derivatives to manage asset/liabil</font><font style='font-family:Times New Roman;font-size:10pt;' >ity risk but has not designated those economic relationships under the criteria to qualify for hedge accounting treatment. </font><font style='font-family:Times New Roman;font-size:10pt;' >All changes in the fair value of MLOA freestanding derivative positions, including net receipts and payments, are included in &#8220;Inves</font><font style='font-family:Times New Roman;font-size:10pt;' >tment income (loss) from derivative instruments&#8221; without considering changes in the fair value of the economically associated assets or liabilities.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA is a party to financial instruments and other contracts that contain &#8220;embedded&#8221; derivative instrume</font><font style='font-family:Times New Roman;font-size:10pt;' >nts. At inception, MLOA assesses whether the economic characteristics of the embedded instrument are &#8220;clearly and closely related&#8221; to the economic characteristics of the remaining component of the &#8220;host contract&#8221; and whether a separate instrument with the</font><font style='font-family:Times New Roman;font-size:10pt;' > same terms as the embedded instrument would meet the definition of a derivative instrument. When those criteria are satisfied, the resulting embedded derivative is bifurcated from the host contract, carried in the balance sheets at fair value, and change</font><font style='font-family:Times New Roman;font-size:10pt;' >s in its fair value are recognized immediately and captioned in the statements of earnings (loss) according to the nature of the related host contract. For certain financial instruments that contain an embedded derivative that otherwise would need to be b</font><font style='font-family:Times New Roman;font-size:10pt;' >ifurcated and reported at fair value, the Company instead may elect to carry the entire instrument at fair value.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Deferred Cost of </font><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;' >or Gain on </font><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;' >Reinsurance</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The cost of </font><font style='font-family:Times New Roman;font-size:10pt;' >or gain on</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying </font><font style='font-family:Times New Roman;font-size:10pt;' >reinsured </font><font style='font-family:Times New Roman;font-size:10pt;' >policies</font><font style='font-family:Times New Roman;font-size:10pt;' > in accordance with the reinsurance agreement</font><font style='font-family:Times New Roman;font-size:10pt;' >, n</font><font style='font-family:Times New Roman;font-size:10pt;' >et of the ceded commission received is deferred and amortized over the lives of the underlying policies.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> P40Y0M0D P50Y0M0D P50Y0M0D P5Y0M0D 8 10 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >3)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > INVESTMENTS</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;margin-left:21.6pt;' >Fixed Maturities and Equity Securities</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The following table provides information relating to fixed maturities classified as AFS; no equity secu</font><font style='font-family:Times New Roman;font-size:10pt;' >r</font><font style='font-family:Times New Roman;font-size:10pt;' >ities were classified as AFS.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Available-for-Sale Securities by Classification</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >OTTI</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Cost</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >in AOCI</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:350.25pt;text-align:center;border-color:Black;min-width:350.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:left;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:left;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >765 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >801 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total at December 31, 2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >850 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >878 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >608 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >633 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >23 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total at December 31, 2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >712 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >713 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >Amounts represent OTTI losses in AOCI, which were not included in earnings (loss) in accordance with current accounting guidance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The contractual maturities of AFS fixed maturities (excluding redeemable preferred stock) at </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > are</font><font style='font-family:Times New Roman;font-size:10pt;' > shown in the table below. Bonds not due at a single maturity date have been included in the table in the final year of maturity. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations </font><font style='font-family:Times New Roman;font-size:10pt;' >with or without call or prepayment penalties.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Available-for-Sale Fixed Maturity Securities</font></td></tr><tr style='height:13.5pt;' ><td colspan='8' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Contractual Maturities at December 31, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:80.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortized Cost</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:83.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:83.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:170.25pt;text-align:center;border-color:Black;min-width:170.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in one year or less</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >39 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >40 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in years two through five</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >167 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >179 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in years six through ten</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >560 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >582 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after ten years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >798 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >834 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed securities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >832 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >860 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The following table shows proceeds from sales, gross gains (losses) from sales and OTTI for AFS fixed maturities </font><font style='font-family:Times New Roman;font-size:10pt;' >during </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012 </font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219.75pt;text-align:center;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Proceeds from sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >39 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,200 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross gains on sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross losses on sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total OTTI</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-credit losses recognized in OCI</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Credit losses recognized in earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >2013 amount includes $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,090</font><font style='font-family:Times New Roman;font-size:10pt;' > million of transfer of assets to Protective Life.</font></li><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >2013 amount includes $</font><font style='font-family:Times New Roman;font-size:10pt;' >81</font><font style='font-family:Times New Roman;font-size:10pt;' > million of gross gains from assets transferred to Protective Life.</font></li><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >2013 amount includes $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million of gross losses from assets transferred to Protective Life.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The following table sets forth the amount of credit loss impairments on fixed maturity securities held by MLOA at the dates indicated and the corresponding changes in such amounts.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:447.75pt;text-align:center;border-color:Black;min-width:447.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fixed Maturity Securities - Credit Loss Impairments</font></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:363pt;text-align:center;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances at January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(60)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(72)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Previously recognized impairments on securities that matured, paid, prepaid or sold</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >19 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized impairments on securities impaired to fair value this period</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impairments recognized this period on securities not previously impaired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Additional impairments this period on securities previously impaired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increases due to passage of time on previously recorded credit losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Accretion of previously recognized impairments due to increases in expected cash flows</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances at December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(51)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(60)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >(1)</font></sup><font style='font-family:Times New Roman;font-size:10pt;' > Represents circumstances where MLOA determined in the current period that it intends to sell the security or it is more likely than not that it will be required to sell the security before recovery of the security&#8217;s amortized cost.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Net unrealized inve</font><font style='font-family:Times New Roman;font-size:10pt;' >stment gains (losses) on fixed maturities and equity securities classified as AFS are included in the balance sheets as a component of AOCI. The table below presents these amounts as of the dates indicated:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:166.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:166.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:79.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:79.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:80.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:80.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:166.5pt;text-align:center;border-color:Black;min-width:166.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:330pt;text-align:left;border-color:Black;min-width:330pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >AFS Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:323.25pt;text-align:left;border-color:Black;min-width:323.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With OTTI loss</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >All other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:330pt;text-align:left;border-color:Black;min-width:330pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Unrealized (Gains) Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Changes in net unrealized investment gains (losses) recognized in AOCI include reclassification adjustments to reflect amounts realized in Net earnings (loss) for the current period that had been part of OCI in earlier periods. The tables that follow belo</font><font style='font-family:Times New Roman;font-size:10pt;' >w present a rollforward of net unrealized investment gains (losses) recognized in AOCI, split between amounts related to fixed maturity securities on which an OTTI loss has been recognized, and all other:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Unrealized Gains (Losses) on Fixed Maturity Securities with OTTI Losses</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >AOCI Gain</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Loss) Related</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >to Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Losses) on</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >DAC and</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Tax Asset</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Liability)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:255pt;text-align:center;border-color:Black;min-width:255pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >(1)</font></sup><sup><font style='font-family:Times New Roman;font-size:10pt;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;' >Represents &#8220;transfers in&#8221; related to the portion of OTTI losses recognized during the period that were not recognized in earnings (loss) for securities with no prior OTTI loss.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:501.75pt;text-align:center;border-color:Black;min-width:501.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >All Other Net Unrealized Investment Gains (Losses) in AOCI</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >AOCI Gain</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Loss) Related</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >to Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Losses) on</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >DAC and</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Tax Asset</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Liability)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:249.75pt;text-align:center;border-color:Black;min-width:249.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(14)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(14)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >156 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(31)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(44)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >81 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:center;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(84)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(84)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(67)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(67)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >12 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >11 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >(1)</font></sup><sup><font style='font-family:Times New Roman;font-size:10pt;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;' >Represents &#8220;transfers out&#8221; related to the portion of OTTI losses during the period that were not recognized in earnings (</font><font style='font-family:Times New Roman;font-size:10pt;' >loss) for securities with no prior OTTI loss.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The following tables disclose the fair values and gross unrealized losses of the </font><font style='font-family:Times New Roman;font-size:10pt;' >70</font><font style='font-family:Times New Roman;font-size:10pt;' > issues at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and the </font><font style='font-family:Times New Roman;font-size:10pt;' >143</font><font style='font-family:Times New Roman;font-size:10pt;' > issues at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' > of fixed maturities that are not deemed to be other-than-temporarily impaired, aggregated by investment category and </font><font style='font-family:Times New Roman;font-size:10pt;' >length of time that individual securities have been in a continu</font><font style='font-family:Times New Roman;font-size:10pt;' >ous unrealized loss position for the specified periods at the dates indicated:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:110.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:110.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Less Than 12 Months </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:113.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 Months or Longer </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:113.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='17' rowspan='1' style='width:350.25pt;text-align:center;border-color:Black;min-width:350.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:center;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >79 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >62 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >126 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(13)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:center;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >109 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >147 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(8)</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(13)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(23)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >152 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(21)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >198 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(33)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >MLOA&#8217;s investments in fixed maturity securities do not include concentrations of credit risk of any single issuer greater than 10% of the shareholder&#8217;s equity of MLOA, other than securities of the U.S. government, U.S. government agencies and certain </font><font style='font-family:Times New Roman;font-size:10pt;' >securities guaranteed by the U.S. government. MLOA maintains a diversified portfolio of corporate securities across industries and issuers and does not have exposure to any single issuer in excess of </font><font style='font-family:Times New Roman;font-size:10pt;' >1.3</font><font style='font-family:Times New Roman;font-size:10pt;' >% of total investments. The largest exposures to a </font><font style='font-family:Times New Roman;font-size:10pt;' >single issuer of corporate securities held at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > were $</font><font style='font-family:Times New Roman;font-size:10pt;' >15</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >27</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. Corporate high yield securities, consisting primarily of public high yield bonds, are classified as other than investment grade by the </font><font style='font-family:Times New Roman;font-size:10pt;' >various rating agencies, i.e., a rating below Baa3/BBB- or the National Association of Insurance Commissioners (&#8220;NAIC&#8221;) designation of 3 (medium grade), 4 or 5 (below investment grade) or 6 (in or near default). At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively,</font><font style='font-family:Times New Roman;font-size:10pt;' > approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >48</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >60</font><font style='font-family:Times New Roman;font-size:10pt;' > million, or </font><font style='font-family:Times New Roman;font-size:10pt;' >5.6</font><font style='font-family:Times New Roman;font-size:10pt;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;' >8.4</font><font style='font-family:Times New Roman;font-size:10pt;' >%, of the $</font><font style='font-family:Times New Roman;font-size:10pt;' >850</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >712</font><font style='font-family:Times New Roman;font-size:10pt;' > million aggregate amortized cost of fixed maturities held by MLOA were considered to be other than investment grade. These securities had net unrealized losses of $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >22</font><font style='font-family:Times New Roman;font-size:10pt;' > million at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. </font><font style='font-family:Times New Roman;font-size:10pt;' >At December 31, 2014 and 2013, respectively, the $12 million and $12 million of gross unrealized losses of twelve months or more were concentrated in commercial mortgage-backed securitie</font><font style='font-family:Times New Roman;font-size:10pt;' >s. In accordance with the policy described in Note 2, MLOA concluded that an adjustment to earnings for OTTI for these securities was not warranted at either December 31, 2014 or 2013. At December 31, 2014, MLOA did not intend to sell the securities nor </font><font style='font-family:Times New Roman;font-size:10pt;' >will it likely be required to dispose of the securities before the anticipated recovery of their remaining amortized cost basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the carrying value of fixed maturities that were non-income producing for the twelve months preceding that date wa</font><font style='font-family:Times New Roman;font-size:10pt;' >s $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >million. </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;margin-left:21.6pt;' >Mortgage Loans</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >During 2014 all of MLOA&#8217;s mor</font><font style='font-family:Times New Roman;font-size:10pt;' >tgage loans matured or prepaid and there were no outstanding balances at December 31, 2014.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Valuation Allowances for Mortgage Loans:</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Allowances for credit losses for mortgage loans in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >are</font><font style='font-family:Times New Roman;font-size:10pt;' > as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial Mortgage Loans</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Allowance for credit losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Beginning Balance, January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge-offs</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recoveries</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provision</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Ending Balance, December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Ending Balance, December 31,:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Individually Evaluated for Impairment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:18pt;' >There were no allowances for credit losses for agricultural mortgage loans in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:18pt;' >The values used in these ratio calculations were developed as part of the periodic review of the commercial mortgage loan portfolio, which includes an evaluation of the underlying collateral value. The following tables provide information relat</font><font style='font-family:Times New Roman;font-size:10pt;' >ing to the loan-to-value and debt service coverage ratio for commercial mortgage loans at December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='25' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans by Loan-to-Value and Debt Service Coverage Ratios</font></td></tr><tr style='height:12.75pt;' ><td colspan='25' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:center;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='17' rowspan='1' style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Debt Service Coverage Ratio</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Greater</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.8x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.5x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.0x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >than</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loan-to-Value Ratio:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >than 2.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.8x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.5x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:357pt;text-align:center;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial Mortgage Loans</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >0% - 50%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >50% - 70%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70% - 90%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90% plus</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Commercial</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >The debt service coverage ratio is calculated using the most recently reported net operating income results from property operations divided by annual debt service.</font></li><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >The loan-to-value ratio is derived from current loan balance divided by the fair market </font><font style='font-family:Times New Roman;font-size:10pt;' >value of the property. The fair market value of the underlying commercial properties is updated annually.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The following table provides information relating to the aging analysis of past due mortgage loans at December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;' >3.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:391.5pt;text-align:center;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Age Analysis of Past Due Commercial Mortgage Loans</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&gt; 90 Days</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >30-59</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >60-89</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:left;border-color:Black;min-width:50.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financing</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >and</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >or &gt;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Current</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Receivables</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accruing</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:391.5pt;text-align:center;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Commercial</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:97.5pt;text-align:left;border-color:Black;min-width:97.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The following table provides information relating to impaired </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage </font><font style='font-family:Times New Roman;font-size:10pt;' >loans at December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;' >3.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='19' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial Mortgage Loans - Impaired </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:center;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unpaid</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Average</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Principal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Related</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:200.25pt;text-align:left;border-color:Black;min-width:200.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Allowance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recognized</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:297pt;text-align:center;border-color:Black;min-width:297pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:200.25pt;text-align:left;border-color:Black;min-width:200.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:193.5pt;text-align:left;border-color:Black;min-width:193.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With no related allowance recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:193.5pt;text-align:left;border-color:Black;min-width:193.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With related allowance recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >10 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >Represents a five-quarter average o</font><font style='font-family:Times New Roman;font-size:10pt;' >f</font><font style='font-family:Times New Roman;font-size:10pt;' > recorded amortized cost.</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;margin-left:22.3pt;' >Equity Investments</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >MLOA holds equity in limited partnership interests and other equity method investments that primarily invest in securities considered to be other than investment grade. The carrying values at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > were $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The following table presents MLOA&#8217;s investment in </font><font style='font-family:Times New Roman;font-size:10pt;' >2.6</font><font style='font-family:Times New Roman;font-size:10pt;' > million units in AllianceBernstein, an affili</font><font style='font-family:Times New Roman;font-size:10pt;' >ate, which is included in Other invested assets:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:137.25pt;text-align:center;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:center;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance at January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >70 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >69 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity in net earnings (loss)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Dividends received</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance at December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The tables below detail the condensed balance sheets and statements of earnings (loss) of AllianceBernstein and MLOA&#39;s equit</font><font style='font-family:Times New Roman;font-size:10pt;' >y investment and equity in earning</font><font style='font-family:Times New Roman;font-size:10pt;' >s (loss) of AllianceBernstein.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:123pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:47.25pt;text-align:center;border-color:Black;min-width:47.25pt;' ></td></tr><tr style='height:3pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:123pt;text-align:center;border-color:Black;min-width:123pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7,378 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7,386 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,246 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 3,316 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable non-controlling interest</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Partners&#39; Capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,116 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4,070 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities and Partners&#39; Capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7,379 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7,386 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:314.25pt;text-align:left;border-color:Black;min-width:314.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#39;s Equity investment in AllianceBernstein</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 70 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:47.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:7.5pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:314.25pt;text-align:left;border-color:Black;min-width:314.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='8' rowspan='1' style='width:177.75pt;text-align:center;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Statements of Earnings (Loss):</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,005 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,915 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,737 </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,397 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,351 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,534 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Earnings (Loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 570 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 518 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 189 </font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#39;s Equity in earnings (loss) of AllianceBernstein</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 5 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2 </font></td></tr><tr style='height:7.5pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:39pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;margin-left:22.3pt;' >Derivatives </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >and Offsetting Assets and Liabilities</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >MLOA hedges crediting rates in the Market Stabilizer Option&#174; (&#8220;MSO&#8221;) in the variable life insurance products and Indexed Universal Life (&#8220;IUL&#8221;) insurance products. These products permit the contract owner to participate in the performance of an index, ETF</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > or commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which MLOA will absorb up to a certain percentage the loss of value in an index, ETF or commodity price, which varies by product segment. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >In or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >der to support the returns associated with these features, MLOA enters into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price subject to caps and buffers.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The tables below </font><font style='font-family:Times New Roman;font-size:10pt;' >present quantitative disclosures about MLOA&#8217;s derivative instruments, including those embedded in other contracts though required to be accounted for as derivative instruments. </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='14' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Derivative Instruments by Category</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:132.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:132.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Notional </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Asset </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Reported In</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Derivatives</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > Derivatives</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Earnings (Loss)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:291.75pt;text-align:center;border-color:Black;min-width:291.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At or For the Year Ended December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:1.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Freestanding derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >307 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net investment income (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Embedded derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(13)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >307 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:7.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At or For the Year Ended December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:1.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Freestanding derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >158 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment income (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Embedded derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GMIB reinsurance contracts </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(8)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >158 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >Reported in Other invested assets in MLOA&#8217;s balance sheets.</font></li><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >Reported in Other assets in MLOA&#8217;s balance sheets.</font></li><li style='list-style:decimal;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >MSO and IUL are reported in Future policyholders&#8217; benefits and other policyholders&#8217; </font><font style='font-family:Times New Roman;font-size:10pt;' >liabilities in the </font><font style='font-family:Times New Roman;font-size:10pt;' >balance sheets.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:28.8pt;' >Credit Risk</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:28.8pt;' >Although </font><font style='font-family:Times New Roman;font-size:10pt;' >notional amount is the most commonly used measure of volume in the derivatives market, it is not used as a measure of credit risk. A derivative with positive fair value (a derivative asset) indicates existence of credit risk because the counterparty would</font><font style='font-family:Times New Roman;font-size:10pt;' > owe money to MLOA if the contract were closed at the reporting date. Alternatively, a derivative contract with negative fair value (a derivative liability) indicates MLOA would owe money to the counterparty if the contract were closed at the reporting da</font><font style='font-family:Times New Roman;font-size:10pt;' >te. To reduce credit exposures in OTC derivative transactions MLOA generally enters into master agreements that provide for a netting of financial exposures with the counterparty and allow for collateral arrangements as further described below under &#8220;ISDA</font><font style='font-family:Times New Roman;font-size:10pt;' > Master Agreements.&#8221; MLOA further controls and minimizes its counterparty exposure through a credit appraisal and approval process.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:28.8pt;' >ISDA Master Agreements</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:28.8pt;' >Netting Provisions.</font><font style='font-family:Times New Roman;font-size:10pt;' > The standardized &#8220;ISDA Master Agreement&#8221; under which MLOA conducts its OTC de</font><font style='font-family:Times New Roman;font-size:10pt;' >rivative transactions includes provisions for payment netting. In the normal course of business activities, if there is more than one derivative transaction with a single counterparty, MLOA will set-off the cash flows of those derivatives into a single am</font><font style='font-family:Times New Roman;font-size:10pt;' >ount to be exchanged in settlement of the resulting net payable or receivable with that counterparty. In the event of default, insolvency, or other similar event pre-defined under the ISDA Master Agreement that would result in termination of OTC derivativ</font><font style='font-family:Times New Roman;font-size:10pt;' >es transactions before their maturity, netting procedures would be applied to calculate a single net payable or receivable with the counterparty. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:28.8pt;' >Collateral Arrangements.</font><font style='font-family:Times New Roman;font-size:10pt;' > MLOA generally has executed a Credit Support Annex (&#8220;CSA&#8221;) under the ISDA Master </font><font style='font-family:Times New Roman;font-size:10pt;' >Agreement it maintains with each of its OTC derivative counterparties that requires both posting and accepting collateral either in the form of cash or high-quality securities, such as U.S. Treasury securities or those issued by government agencies. These</font><font style='font-family:Times New Roman;font-size:10pt;' > CSAs are bilateral agreements that require collateral postings by the party &#8220;out-of-the-money&#8221; or in a net derivative liability position. Various thresholds for the amount and timing of collateralization of net liability positions are applicable. Consequ</font><font style='font-family:Times New Roman;font-size:10pt;' >ently, the credit exposure of MLOA&#8217;s OTC derivative contracts is limited to the net positive estimated fair value of those contracts at the reporting date after taking into consideration the existence of netting agreements and any collateral received pursu</font><font style='font-family:Times New Roman;font-size:10pt;' >ant to CSAs. Derivatives are recognized at fair value in the consolidated balance sheets and are reported either as assets in Other invested assets or as liabilities in Other liabilities, except for embedded insurance-related derivatives as described abov</font><font style='font-family:Times New Roman;font-size:10pt;' >e and derivatives transacted with a related counterparty. MLOA nets the fair value of all derivative financial instruments with counterparties for which an ISDA Master Agreement and related CSA have been executed.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:28.8pt;' >At December 31, 2014 and 2013, respectiv</font><font style='font-family:Times New Roman;font-size:10pt;' >ely, MLOA held </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >26</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >12</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >in cash and securities collateral delivered by trade counterparties, representing the fair value of the related derivative agreements. This unrestricted cash collateral is reported in Cash and cash equivalents, a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd the obligation to return it is reported in Other liabilities in the balance sheets. The aggregate fair value of all collateralized derivative transactions that were in a liability position at December 31,</font><font style='font-family:Times New Roman;font-size:10pt;' > 2014 and 2013 was not material.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;color:#000000;' >The following table presents information about </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#8217;s offsetting of financial assets and liabilities and derivative instruments at </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:477.75pt;text-align:center;border-color:Black;min-width:477.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Offsetting of Financial Assets and Liabilities and Derivative Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:477.75pt;text-align:center;border-color:Black;min-width:477.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At December 31, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:center;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:center;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Amounts</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Offset in the</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Presented in the</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recognized</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >ASSETS</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial instruments</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >96 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >LIABILITIES</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial liabilities</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other liabilities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >69 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >There were no derivatives not subject to ISDA Master Agreements at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >The following table presents information about </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s gross collateral amounts that are not offset in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >balance sheets at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:464.25pt;text-align:center;border-color:Black;min-width:464.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross Collateral Amounts Not Offset in the Balance Sheets</font></td></tr><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:464.25pt;text-align:center;border-color:Black;min-width:464.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At December 31, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:center;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:center;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Collateral (Received)/Held</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Presented in the</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Instruments</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Cash</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:281.25pt;text-align:center;border-color:Black;min-width:281.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >ASSETS</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty A</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty F</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty G</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty H</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty K</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty L</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty T</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:172.5pt;text-align:left;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(20)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:172.5pt;text-align:left;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Other invested assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(20)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >The following table presents information about </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#8217;s offsetting of financial assets and liabilities and derivative instruments at </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:459pt;text-align:center;border-color:Black;min-width:459pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Offsetting of Financial Assets and Liabilities and Derivative Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:459pt;text-align:center;border-color:Black;min-width:459pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:center;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:center;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Amounts</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Offset in the</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Presented in the</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ASSETS</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial instruments</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >LIABILITIES</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial liabilities</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other liabilities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >89 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >There were no derivatives not subject to</font><font style='font-family:Times New Roman;font-size:10pt;' > ISDA Master Agreements at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:36pt;color:#000000;' >The following table presents information about </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s gross collateral amounts that are not offset in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >balance sheets at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:450pt;text-align:center;border-color:Black;min-width:450pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross Collateral Amounts Not Offset in the Balance Sheets</font></td></tr><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:450pt;text-align:center;border-color:Black;min-width:450pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:center;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:center;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Collateral (Received)/Held</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Presented in the</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Instruments</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:281.25pt;text-align:center;border-color:Black;min-width:281.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ASSETS</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty A</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty H</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty K</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty L</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:158.25pt;text-align:left;border-color:Black;min-width:158.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >71 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >71 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:158.25pt;text-align:left;border-color:Black;min-width:158.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >72 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:21.6pt;' >Net Investment Income (Loss)</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The following table breaks out Net investment income (loss) by asset category:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >36 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >79 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >97 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy loans</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivative instruments</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross investment income (loss) </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >52 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >95 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >114 </font></td></tr><tr style='height:3.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment expenses</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Investment Income (Loss) </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >50 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >92 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >110 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:28.8pt;' >For 2014 and 2013, net investment income (loss) from derivatives included $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million of realized gains (losses) on contracts closed during those periods and $</font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million of unrealized gains (losses) on derivative positions at</font><font style='font-family:Times New Roman;font-size:10pt;' > year end.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;margin-left:28.8pt;' >Investment Gains (Losses), Net</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:28.8pt;' >Investment gains (losses), net including changes in the valuation allowances and OTTI are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of (repurchase) issuance of AllianceBernstein Units</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment Gains (Losses), Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >68 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr></table></div> 765000000 38000000 2000000 801000000 27000000 27000000 6000000 6000000 34000000 3000000 11000000 26000000 1000000 18000000 0 18000000 850000000 41000000 13000000 878000000 1000000 608000000 6000000 34000000 18000000 46000000 712000000 1000000 8000000 33000000 633000000 0 34000000 0 6000000 1000000 23000000 24000000 1000000 0 2000000 16000000 34000000 33000000 713000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Available-for-Sale Securities by Classification</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >OTTI</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Cost</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >in AOCI</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:350.25pt;text-align:center;border-color:Black;min-width:350.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:left;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:left;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >765 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >801 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total at December 31, 2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >850 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >878 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >608 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >633 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >23 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total at December 31, 2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >712 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >713 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr></table></div> 39000000 167000000 560000000 32000000 798000000 832000000 40000000 179000000 582000000 33000000 834000000 860000000 34000000 26000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Available-for-Sale Fixed Maturity Securities</font></td></tr><tr style='height:13.5pt;' ><td colspan='8' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Contractual Maturities at December 31, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:80.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortized Cost</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:83.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:83.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:170.25pt;text-align:center;border-color:Black;min-width:170.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in one year or less</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >39 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >40 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in years two through five</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >167 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >179 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due in years six through ten</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >560 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >582 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after ten years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:320.25pt;text-align:left;border-color:Black;min-width:320.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >798 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >834 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed securities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:327pt;text-align:left;border-color:Black;min-width:327pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >832 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >860 </font></td></tr></table></div> 39000000 1200000000 13000000 2000000 84000000 1000000 1000000 9000000 1000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012 </font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219.75pt;text-align:center;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Proceeds from sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >39 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,200 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross gains on sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross losses on sales</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total OTTI</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-credit losses recognized in OCI</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:276pt;text-align:left;border-color:Black;min-width:276pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Credit losses recognized in earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr></table></div> 1090000000 81000000 6000000 60000000 19000000 72000000 18000000 0 0 9000000 6000000 0 1000000 0 0 0 0 51000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:447.75pt;text-align:center;border-color:Black;min-width:447.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fixed Maturity Securities - Credit Loss Impairments</font></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:363pt;text-align:center;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:62.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances at January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(60)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(72)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Previously recognized impairments on securities that matured, paid, prepaid or sold</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >19 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized impairments on securities impaired to fair value this period</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impairments recognized this period on securities not previously impaired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Additional impairments this period on securities previously impaired</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increases due to passage of time on previously recorded credit losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Accretion of previously recognized impairments due to increases in expected cash flows</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:363pt;text-align:left;border-color:Black;min-width:363pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances at December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(51)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(60)</font></td></tr></table></div> -1000000 29000000 28000000 1000000 -4000000 5000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:166.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:166.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:79.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:79.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:80.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:80.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:166.5pt;text-align:center;border-color:Black;min-width:166.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:330pt;text-align:left;border-color:Black;min-width:330pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >AFS Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:323.25pt;text-align:left;border-color:Black;min-width:323.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;text-align:left;border-color:Black;min-width:71.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With OTTI loss</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >All other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:330pt;text-align:left;border-color:Black;min-width:330pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Unrealized (Gains) Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr></table></div> <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Unrealized Gains (Losses) on Fixed Maturity Securities with OTTI Losses</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >AOCI Gain</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Loss) Related</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >to Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Losses) on</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >DAC and</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Tax Asset</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Liability)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:255pt;text-align:center;border-color:Black;min-width:255pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:222pt;text-align:left;border-color:Black;min-width:222pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:228.75pt;text-align:left;border-color:Black;min-width:228.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:242.25pt;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td></tr></table></div> <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:501.75pt;text-align:center;border-color:Black;min-width:501.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >All Other Net Unrealized Investment Gains (Losses) in AOCI</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >AOCI Gain</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Loss) Related</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Deferred</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >to Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Losses) on</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >DAC and</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Tax Asset</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(Liability)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:249.75pt;text-align:center;border-color:Black;min-width:249.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:left;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Excluded from Net earnings (loss)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(14)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(14)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >156 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(31)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(44)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >81 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:center;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment gains (losses) arising during the period</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(84)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(84)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reclassification adjustment for OTTI losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Included in Net earnings (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(67)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(67)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of net unrealized investment gains (losses) on:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC and VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:231.75pt;text-align:left;border-color:Black;min-width:231.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred income taxes</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:245.25pt;text-align:left;border-color:Black;min-width:245.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >12 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >11 </font></td></tr></table></div> 70 143 0 16000000 16000000 0 1000000 11000000 11000000 20000000 21000000 0 0 9000000 5000000 62000000 64000000 13000000 12000000 126000000 1000000 1000000 1000000 79000000 2000000 41000000 38000000 12000000 152000000 46000000 33000000 21000000 198000000 109000000 38000000 8000000 147000000 2000000 21000000 21000000 0 23000000 10000000 13000000 21000000 8000000 0 8000000 2000000 0 8000000 1000000 1000000 0 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:110.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:110.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Less Than 12 Months </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:113.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 Months or Longer </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:113.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:113.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unrealized</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Losses</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='17' rowspan='1' style='width:350.25pt;text-align:center;border-color:Black;min-width:350.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:center;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >79 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >62 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >126 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(13)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed Maturity Securities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:center;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >109 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >147 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(8)</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and agency</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(13)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(23)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:147pt;text-align:left;border-color:Black;min-width:147pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >152 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(21)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >198 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(33)</font></td></tr></table></div> 8000000 22000000 0.084 0.056 15000000 27000000 0.013 48000000 60000000 2000000 3000000 4000000 3000000 0 1000000 0 0 4000000 0 3000000 0 1000000 0 <div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial Mortgage Loans</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Allowance for credit losses:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Beginning Balance, January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge-offs</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recoveries</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provision</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Ending Balance, December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:308.25pt;text-align:left;border-color:Black;min-width:308.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Ending Balance, December 31,:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Individually Evaluated for Impairment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:301.5pt;text-align:left;border-color:Black;min-width:301.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:51pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:51pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr></table></div> <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='25' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans by Loan-to-Value and Debt Service Coverage Ratios</font></td></tr><tr style='height:12.75pt;' ><td colspan='25' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:center;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='17' rowspan='1' style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Debt Service Coverage Ratio</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Greater</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.8x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.5x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.0x to</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >than</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loan-to-Value Ratio:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >than 2.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.8x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.5x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.0x</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:357pt;text-align:center;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial Mortgage Loans</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >0% - 50%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >50% - 70%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70% - 90%</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90% plus</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Commercial</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:120pt;text-align:left;border-color:Black;min-width:120pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr></table></div> 31000000 9000000 0 16000000 6000000 0 0 16000000 0 16000000 0 6000000 6000000 0 9000000 9000000 31000000 0 0 0 0 0 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:391.5pt;text-align:center;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Age Analysis of Past Due Commercial Mortgage Loans</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&gt; 90 Days</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >30-59</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >60-89</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:left;border-color:Black;min-width:50.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financing</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >and</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Days</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >or &gt;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Current</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Receivables</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accruing</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:84pt;text-align:left;border-color:Black;min-width:84pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='20' rowspan='1' style='width:391.5pt;text-align:center;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Commercial</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:97.5pt;text-align:left;border-color:Black;min-width:97.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage Loans</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr></table></div> -3000000 9000000 10000000 9000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='19' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial Mortgage Loans - Impaired </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:center;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Unpaid</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Average</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Principal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Related</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Income</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:200.25pt;text-align:left;border-color:Black;min-width:200.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Allowance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Investment</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recognized</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:297pt;text-align:center;border-color:Black;min-width:297pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:200.25pt;text-align:left;border-color:Black;min-width:200.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:193.5pt;text-align:left;border-color:Black;min-width:193.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With no related allowance recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:193.5pt;text-align:left;border-color:Black;min-width:193.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >With related allowance recorded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >10 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr></table></div> 1000000 2600000 0 70000000 5000000 63000000 4000000 69000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:left;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:137.25pt;text-align:center;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:352.5pt;text-align:center;border-color:Black;min-width:352.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance at January 1,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >70 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >69 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity in net earnings (loss)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Dividends received</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:359.25pt;text-align:left;border-color:Black;min-width:359.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance at December 31,</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td></tr></table></div> 7378000000 3246000000 4116000000 7379000000 3005000000 2397000000 570000000 3316000000 4070000000 7386000000 7386000000 2915000000 2351000000 518000000 2737000000 2534000000 189000000 <div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:123pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:47.25pt;text-align:center;border-color:Black;min-width:47.25pt;' ></td></tr><tr style='height:3pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:123pt;text-align:center;border-color:Black;min-width:123pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7,378 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7,386 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,246 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 3,316 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable non-controlling interest</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Partners&#39; Capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,116 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4,070 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities and Partners&#39; Capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7,379 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7,386 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:314.25pt;text-align:left;border-color:Black;min-width:314.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#39;s Equity investment in AllianceBernstein</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 70 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:47.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:7.5pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:314.25pt;text-align:left;border-color:Black;min-width:314.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='8' rowspan='1' style='width:177.75pt;text-align:center;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Statements of Earnings (Loss):</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,005 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,915 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,737 </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,397 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,351 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,534 </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Earnings (Loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 570 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 518 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 189 </font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:321.75pt;text-align:left;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MLOA&#39;s Equity in earnings (loss) of AllianceBernstein</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:49.5pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 5 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:39pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2 </font></td></tr><tr style='height:7.5pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:49.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:39pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:39pt;' ></td></tr></table></div> 307000000 32000000 32000000 13000000 0 158000000 20000000 20000000 8000000 -7000000 307000000 32000000 6000000 13000000 158000000 20000000 6000000 8000000 0 -7000000 26000000 -13000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='14' rowspan='1' style='width:504pt;text-align:center;border-color:Black;min-width:504pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Derivative Instruments by Category</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:132.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:132.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gains (Losses)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Notional </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Asset </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Reported In</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Derivatives</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:63pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:63pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > Derivatives</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Earnings (Loss)</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:291.75pt;text-align:center;border-color:Black;min-width:291.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At or For the Year Ended December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:1.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Freestanding derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >307 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net investment income (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Embedded derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(13)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances, December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >307 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:7.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:double;border-top-width:3;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At or For the Year Ended December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:1.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:center;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:center;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Freestanding derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >158 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net investment income (loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Embedded derivatives:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GMIB reinsurance contracts </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(8)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:198.75pt;text-align:left;border-color:Black;min-width:198.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:54pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balances, December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >158 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:54pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:54pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr></table></div> 26000000 12000000 32000000 6000000 26000000 26000000 32000000 6000000 64000000 64000000 96000000 6000000 90000000 6000000 6000000 6000000 6000000 63000000 63000000 63000000 6000000 69000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:477.75pt;text-align:center;border-color:Black;min-width:477.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Offsetting of Financial Assets and Liabilities and Derivative Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:477.75pt;text-align:center;border-color:Black;min-width:477.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At December 31, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:center;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:center;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Amounts</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Offset in the</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Presented in the</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Recognized</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >ASSETS</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial instruments</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >96 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >LIABILITIES</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial liabilities</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:252pt;text-align:left;border-color:Black;min-width:252pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other liabilities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >69 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >63 </font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:459pt;text-align:center;border-color:Black;min-width:459pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Offsetting of Financial Assets and Liabilities and Derivative Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='11' rowspan='1' style='width:459pt;text-align:center;border-color:Black;min-width:459pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:center;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:center;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Amounts</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Offset in the</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Presented in the</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td colspan='8' rowspan='1' style='width:215.25pt;text-align:center;border-color:Black;min-width:215.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ASSETS</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial instruments</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >70 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >LIABILITIES</font></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:center;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Description</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives:</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Equity contracts</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives, subject to an ISDA Master Agreement</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial liabilities</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other liabilities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >89 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td></tr></table></div> 5000000 6000000 6000000 4000000 26000000 64000000 90000000 5000000 6000000 4000000 20000000 20000000 0 0 64000000 64000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:464.25pt;text-align:center;border-color:Black;min-width:464.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross Collateral Amounts Not Offset in the Balance Sheets</font></td></tr><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:464.25pt;text-align:center;border-color:Black;min-width:464.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >At December 31, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:center;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:center;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Collateral (Received)/Held</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Presented in the</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Instruments</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Cash</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amounts</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:167.25pt;text-align:left;border-color:Black;min-width:167.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:281.25pt;text-align:center;border-color:Black;min-width:281.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >ASSETS</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty A</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty F</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty G</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty H</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty K</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty L</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty T</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:172.5pt;text-align:left;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(20)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:177.75pt;text-align:left;border-color:Black;min-width:177.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:172.5pt;text-align:left;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Other invested assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >90 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(20)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64 </font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:450pt;text-align:center;border-color:Black;min-width:450pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross Collateral Amounts Not Offset in the Balance Sheets</font></td></tr><tr style='height:12.75pt;' ><td colspan='15' rowspan='1' style='width:450pt;text-align:center;border-color:Black;min-width:450pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >At December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:center;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:center;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Amounts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='5' rowspan='1' style='width:134.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:134.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Collateral (Received)/Held</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Presented in the</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net</font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:84pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:84pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance Sheets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Instruments</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:68.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:68.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts</font></td></tr><tr style='height:3pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:153pt;text-align:left;border-color:Black;min-width:153pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:281.25pt;text-align:center;border-color:Black;min-width:281.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ASSETS</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty A</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty H</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty K</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Counterparty L</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:158.25pt;text-align:left;border-color:Black;min-width:158.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Derivatives</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:163.5pt;text-align:left;border-color:Black;min-width:163.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >71 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >71 </font></td></tr><tr style='height:12.75pt;' ><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:158.25pt;text-align:left;border-color:Black;min-width:158.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other invested assets</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:75.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >72 </font></td></tr></table></div> 84000000 6000000 14000000 20000000 14000000 6000000 20000000 70000000 70000000 84000000 6000000 90000000 6000000 83000000 89000000 6000000 6000000 6000000 6000000 83000000 83000000 1000000 13000000 71000000 1000000 1000000 71000000 72000000 52000000 2000000 95000000 3000000 114000000 4000000 36000000 79000000 97000000 2000000 2000000 9000000 1000000 6000000 8000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >36 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >79 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >97 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy loans</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivative instruments</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gross investment income (loss) </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >52 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >95 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >114 </font></td></tr><tr style='height:3.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment expenses</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net Investment Income (Loss) </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >50 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >92 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >110 </font></td></tr></table></div> -10000000 67000000 -5000000 0 0 -2000000 4000000 1000000 2000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:15pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(10)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Impact of (repurchase) issuance of AllianceBernstein Units</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment Gains (Losses), Net</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(6)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >68 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(5)</font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > VALUE OF BUSINESS ACQUIRED</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The following </font><font style='font-family:Times New Roman;font-size:10pt;' >table </font><font style='font-family:Times New Roman;font-size:10pt;' >presents MLOA&#8217;s VOBA asset at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accumulated </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortization </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >and Other</font></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td></tr><tr style='height:3pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219pt;text-align:center;border-color:Black;min-width:219pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >416 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(409)</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td></tr><tr style='height:9pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >416 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(398)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' > Includes reactivity to unrealized investment gains (losses) and $117 million of accelerated VOBA amortization resulting from the reinsurance agreement with Protective Life which is included in the deferred cost of reinsurance.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >For </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, amortization (negative amortization) expense related to VOBA was </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >11</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >(13)</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. VOBA amortization </font><font style='font-family:Times New Roman;font-size:10pt;' >is es</font><font style='font-family:Times New Roman;font-size:10pt;' >timated to range between $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1</font><font style='font-family:Times New Roman;font-size:10pt;' > million annually through 2019.</font></p></div> 416000000 416000000 409000000 398000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Gross</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Accumulated </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amortization </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >and Other</font></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net</font></td></tr><tr style='height:3pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:219pt;text-align:center;border-color:Black;min-width:219pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >416 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(409)</font><sup><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td></tr><tr style='height:9pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:280.5pt;text-align:left;border-color:Black;min-width:280.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >416 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(398)</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >18 </font></td></tr></table></div> 10000000 11000000 -13000000 0 1000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.25pt;' >5)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >FAIR</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > VALUE DISCLOSURES</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Assets measured at fair value on a recurring basis are summarized below. Fair value measurements also are required on a non-recurring basis for certain assets, including </font><font style='font-family:Times New Roman;font-size:10pt;' >goodwill, </font><font style='font-family:Times New Roman;font-size:10pt;' >mortgage loans on real estate, equity real estate held for production of income, and equity real estate held for sale, only when an OTTI or other event occurs. When such fair value measurements are recorded, they must be classified and disclosed within the fair value hierarchy. At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, no assets were required to be measured at fair value on a non-recurring basis.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:503.25pt;text-align:center;border-color:Black;min-width:503.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value Measurements</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:15.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:66pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:66pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 1</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 2</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:288.75pt;text-align:center;border-color:Black;min-width:288.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Assets:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity Securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >793 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >801 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government and agency</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >834 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >878 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other equity investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash equivalents</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >42 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >42 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Separate Accounts&#39; assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,794 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,809 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,847 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >875 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,756 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:center;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features&#8217; liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assets:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity Securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >624 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >633 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government and agency</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Foreign governments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >672 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >713 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other equity investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash equivalents</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >127 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >127 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GMIB reinsurance contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Separate Accounts&#39; assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,823 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,838 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,959 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >701 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,693 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:center;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features&#8217; liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >At December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, the fair value of public fixed maturities is approximately $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >661</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >556</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million or approximately </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.0</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20.6</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% of MLOA&#8217;s total assets measured at fair value on a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >recurring basis (excluding GMIB</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > reinsurance contracts measured at fair value on a recurring basis</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > at December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >). The fair values of MLOA&#8217;s public fixed maturity securities are generally based on prices obtained from independent valuation service providers and for which MLOA mai</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ntains a vendor hierarchy by asset type based on historical pricing experience and vendor expertise. Although each security generally is priced by multiple independent valuation service providers, MLOA ultimately uses the price received from the independen</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t valuation service provider highest in the vendor hierarchy based on the respective asset type, with limited exception. To validate reasonableness, prices also are internally reviewed by those with relevant expertise through comparison with directly obser</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ved recent market trades. Consistent with the fair value hierarchy, public fixed maturity securities validated in this manner generally are reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bservable inputs. If the pricing information received from independent valuation service providers is not reflective of market activity or other inputs observable in the market, MLOA may challenge the price through a formal process in accordance with the t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >erms of the respective independent valuation service provider agreement. If as a result it is determined that the independent valuation service provider is able to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >reprice</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the security in a manner agreed as more consistent with current market observations</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, the security remains within Level 2. Alternatively, a Level 3 classification may result if the pricing information then is sourced from another vendor, non-binding broker quotes, or internally-developed valuations for which MLOA&#8217;s own assumptions about </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >market-participant inputs would be used in pricing the security.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >At December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, the fair value of private fixed maturities is approximately $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >217</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >157</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million or approximately </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7.9</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5.8</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% of MLOA&#8217;s total assets m</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >easured at fair value on a recurring basis. The fair values of MLOA&#8217;s private fixed maturities, which primarily are comprised of investments in private placement securities generally are determined using a discounted cash flow model. In certain cases, the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >se models use observable inputs with a discount rate based upon the average of spread surveys collected from private market intermediaries who are active in both primary and secondary transactions, taking into account, among other factors, the credit quali</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ty and industry sector of the issuer and the reduced liquidity associated with private placements. Generally, these securities have been reflected within Level 2. For certain private fixed maturities, the discounted cash flow model may also incorporate uno</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bservable inputs, which reflect MLOA&#8217;s own assumptions about the inputs market participants would use in pricing the asset. To the extent management determines that such unobservable inputs are significant to the fair value measurement of a security, a Lev</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >el 3 classification generally is made.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >At December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, investments classified as Level 1 comprise approximately </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67.0</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >72.8</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% of assets measured at fair value on a recurring basis and primarily include redeemable preferred s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >tock, cash equivalents and Separate Accounts assets. Fair value measurements classified as Level 1 include exchange-traded prices of fixed maturities, equity securities and net asset values for transacting subscriptions and redemptions of mutual fund shar</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >es held by Separate Accounts. Cash equivalents classified as Level 1 include money market accounts, overnight commercial paper and highly liquid debt instruments purchased with an original maturity of three months or less, and are carried at cost as a pro</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >xy for fair value measurement due to their short-term nature.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >At December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, investments classified as Level 2 comprise approximately </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31.7</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >26.0</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% of assets measured at fair value on a recurring basis and primarily include</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > U.S. government and agency securities and certain corporate debt securities, such as public and private fixed maturities. As market quotes generally are not readily available or accessible for these securities, their fair value measures are determined ut</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ilizing relevant information generated by market transactions involving comparable securities and often are based on model pricing techniques that effectively discount prospective cash flows to present value using appropriate sector-adjusted credit spreads</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > commensurate with the security&#8217;s duration, also taking into consideration issuer-specific credit quality and liquidity. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >MLOA&#8217;s IUL product and in the MSO investment option available in some life contracts </font><font style='font-family:Times New Roman;font-size:10pt;' >offer investment options which </font><font style='font-family:Times New Roman;font-size:10pt;' >permit the contr</font><font style='font-family:Times New Roman;font-size:10pt;' >act owner to participate in the performance of an index, ETF or commodity price</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. These investment options, which depending on the product and on the index selected can currently have 1 or 3 year terms, provide for participation in the performance of speci</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >fied indices,</font><font style='font-family:Times New Roman;font-size:10pt;' > ETFs or commodity price movement</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > up to a segment-specific declared maximum rate. Under certain conditions that vary by product, e.g. holding these segments for the full term, these segments also shield policyholders from some or all negative</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > investment performance associated with these indices</font><font style='font-family:Times New Roman;font-size:10pt;' >, ETFs or commodity price</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. These investment options have defined formulaic liability amounts, and the current values of the option component of these segment reserves are accounted for as Level 2 embedd</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ed derivatives. The fair values of these embedded derivatives are based on prices obtained from independent valuation service providers.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >At December 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, investments classified as Level 3 comprise approximately </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.2</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >% o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >f assets measured at fair value on a recurring basis and primarily include commercial mortgage-backed securities (&#8220;CMBS&#8221;) and corporate debt securities. Determinations to classify fair value measures within Level 3 of the valuation hierarchy generally are</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > based upon the significance of the unobservable factors to the overall fair value measurement. Included in the Level 3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > classification at December 31, 2013, were</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > approximately $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >0</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million of fixed maturities with indicative pricing obtained from brokers th</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >at otherwise could not be corroborated to market observable data. MLOA applies various due-diligence procedures, as considered appropriate, to validate these non-binding broker quotes for reasonableness, based on its understanding of the markets, includin</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >g use of internally-developed assumptions about inputs a market participant would use to price the security. I</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >n addition, approximately $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >26</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million of mortgage- and asset-backed securities, including CMBS, are classified as Level 3 at Dece</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >mber 31, 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >MLOA </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >utilizes prices obtained from an independent valuation service vendor to measure fair value of CMBS securities.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >In 2014 and 2013, there were no AFS fixed maturities transferred from Level 2 into the Level 3 or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >from Level 3 to Level 2</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >classification.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;color:#000000;' >The table below presents a reconciliation for all Level 3 assets at </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:462pt;text-align:center;border-color:Black;min-width:462pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3 Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:462pt;text-align:center;border-color:Black;min-width:462pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value Measurements</font></td></tr><tr style='height:2.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:2.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >GMIB</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Mortgage-</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Asset-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Reinsurance</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Corporate</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >backed</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >backed</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Contracts</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:216.75pt;text-align:center;border-color:Black;min-width:216.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:3.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized, included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:6pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(9)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increase (decrease) in the fair value of</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:213pt;text-align:left;border-color:Black;min-width:213pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >reinsurance contracts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(26)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:5.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2012</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >29 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increase (decrease) in the fair value of</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:213pt;text-align:left;border-color:Black;min-width:213pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >reinsurance contracts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Transfers into Level 3</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2012</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >Transfers into/out of Level 3 classification are reflected at</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >beginning-of-period fair values.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >The table below details changes in unrealized gains (losses) for </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > by category for Level 3 assets still h</font><font style='font-family:Times New Roman;font-size:10pt;' >eld at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >OCI</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td colspan='3' rowspan='1' style='width:64.5pt;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3 Instruments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Full Year 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Still Held at December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='7' rowspan='1' style='width:303pt;text-align:left;border-color:Black;min-width:303pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in unrealized gains (losses):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='6' rowspan='1' style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:282.75pt;text-align:left;border-color:Black;min-width:282.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3 Instruments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Full Year 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Still Held at December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='7' rowspan='1' style='width:303pt;text-align:left;border-color:Black;min-width:303pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in unrealized gains (losses):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='6' rowspan='1' style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:282.75pt;text-align:left;border-color:Black;min-width:282.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, MLOA had $</font><font style='font-family:Times New Roman;font-size:10pt;' >34</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >33</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively, of investments classified as Level 3. The underlying quantitative inputs to measure the fair value of these investments are not developed by MLOA and are not readi</font><font style='font-family:Times New Roman;font-size:10pt;' >ly </font><font style='font-family:Times New Roman;font-size:10pt;' >available. These investments primarily consist of certain privately placed debt securities with limited trading activity, including asset-backed instruments, and their fair values generally reflect unadjusted prices obtained from independent valuation ser</font><font style='font-family:Times New Roman;font-size:10pt;' >vice providers and indicative, non-binding quotes obtained from third-party broker-dealers recognized as market participants. Significant increases or decreases in the fair v</font><font style='font-family:Times New Roman;font-size:10pt;' >alue amounts received from these pricing sources may result in MLOA&#8217;s reporting s</font><font style='font-family:Times New Roman;font-size:10pt;' >ignificantly higher or lower fair value measurements for these Level 3 investments.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The carrying values and fair values at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' > for financial instruments not otherwise disclosed in Note 3 are presented in the table below. Certain financial</font><font style='font-family:Times New Roman;font-size:10pt;' > instruments are exempt from the requirements for fair value disclosure, such as insurance liabilities other than financial guarantees and investment contracts and pension and other postretirement obligations.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:221.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:221.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 1</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 2</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:293.25pt;text-align:center;border-color:Black;min-width:293.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:15pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders liabilities: Investment contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:center;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 151 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 184 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >184 </font></td></tr><tr style='height:6.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders liabilities: Investment contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >193 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >196 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >196 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:center;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >142 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >174 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >174 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Fair values for commercial mortgage loans on real estate are measured by discounting future contractual cash flows to be received on the mortgage loan using interest rates at which loans with similar characteristics and credit quality would be made. The </font><font style='font-family:Times New Roman;font-size:10pt;' >discount rate is derived from taking the appropriate U.S. Treasury rate with a like term to the remaining term of the loan and adding a spread reflective of the risk premium associated with the specific loan. Fair values for mortgage loans anticipated to </font><font style='font-family:Times New Roman;font-size:10pt;' >be foreclosed and problem mortgage loans are limited to the fair value of the underlying collateral, if lower.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The fair value of policy loans is calculated by discounting expected cash flows based upon the U.S. treasury yield curve and historical loan repayment patterns.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The fair values for MLOA&#8217;s supplementary contracts not involving life contingencies (&#8220;SCNILC&#8221;), single premium deferred annuities and certain an</font><font style='font-family:Times New Roman;font-size:10pt;' >nuities, which are included in Policyholder&#8217;s account balances, are estimated using projected cash flows discounted at rates reflecting current market rates. Significant unobservable inputs reflected in the cash flows include lapse rates and withdrawal rat</font><font style='font-family:Times New Roman;font-size:10pt;' >es. Incremental adjustments may be made to the fair value to reflect non-performance risk.</font></p></div> 10000000 793000000 27000000 6000000 8000000 8000000 26000000 10000000 834000000 34000000 801000000 27000000 6000000 26000000 18000000 878000000 1000000 42000000 1794000000 15000000 1847000000 875000000 34000000 2756000000 42000000 1000000 8000000 624000000 34000000 6000000 8000000 9000000 24000000 33000000 672000000 8000000 1000000 127000000 1823000000 15000000 1959000000 701000000 0 33000000 633000000 34000000 6000000 24000000 16000000 713000000 1000000 127000000 0 1838000000 2693000000 26000000 26000000 26000000 26000000 26000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='16' rowspan='1' style='width:503.25pt;text-align:center;border-color:Black;min-width:503.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value Measurements</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:15.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:66pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:66pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 1</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 2</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:288.75pt;text-align:center;border-color:Black;min-width:288.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Assets:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity Securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >793 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >801 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government and agency</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >27 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >834 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >878 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other equity investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash equivalents</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >42 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >42 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Separate Accounts&#39; assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,794 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,809 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,847 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >875 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,756 </font></td></tr><tr style='height:9pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:center;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features&#8217; liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assets:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity Securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >624 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >633 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Treasury, government and agency</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >States and political subdivisions</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Foreign governments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Redeemable preferred stock</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >16 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Subtotal</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >672 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >713 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other equity investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Options</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash equivalents</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >127 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >127 </font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GMIB reinsurance contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Separate Accounts&#39; assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,823 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,838 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,959 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >701 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >33 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,693 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:187.5pt;text-align:left;border-color:Black;min-width:187.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:left;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:207.75pt;text-align:center;border-color:Black;min-width:207.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >MSO and IUL indexed features&#8217; liability</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:194.25pt;text-align:left;border-color:Black;min-width:194.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Liabilities</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14 </font></td></tr></table></div> 661000000 556000000 0.24 0.206 217000000 157000000 0.079 0.058 0.67 0.728 0.26 0.012 0.012 0 26000000 24000000 0.317 24000000 9000000 -1000000 0 0 -11000000 0 1000000 8000000 26000000 0 0 35000000 35000000 6000000 7000000 -9000000 -7000000 -1000000 26000000 2000000 -2000000 0 0 1000000 0 13000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:462pt;text-align:center;border-color:Black;min-width:462pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3 Instruments</font></td></tr><tr style='height:12.75pt;' ><td colspan='18' rowspan='1' style='width:462pt;text-align:center;border-color:Black;min-width:462pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value Measurements</font></td></tr><tr style='height:2.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:2.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Commercial</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >GMIB</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Mortgage-</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Asset-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Reinsurance</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Corporate</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >backed</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >backed</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Contracts</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:216.75pt;text-align:center;border-color:Black;min-width:216.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:3.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized, included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:6pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2013</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(9)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increase (decrease) in the fair value of</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:213pt;text-align:left;border-color:Black;min-width:213pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >reinsurance contracts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(26)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2013</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:5.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:206.25pt;text-align:left;border-color:Black;min-width:206.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, January 1, 2012</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >34 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >29 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:233.25pt;text-align:left;border-color:Black;min-width:233.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total gains (losses), realized and unrealized included in:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings (loss) as:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investment gains (losses), net</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(7)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='3' rowspan='1' style='width:219.75pt;text-align:left;border-color:Black;min-width:219.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Increase (decrease) in the fair value of</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:213pt;text-align:left;border-color:Black;min-width:213pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >reinsurance contracts</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other comprehensive income (loss)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sales</font></td><td style='width:5.25pt;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Transfers into Level 3</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:240pt;text-align:left;border-color:Black;min-width:240pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Balance, December 31, 2012</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >35 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr></table></div> 12000000 -2000000 -2000000 13000000 <div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >OCI</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td colspan='3' rowspan='1' style='width:64.5pt;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3 Instruments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Full Year 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Still Held at December 31, 2014:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='7' rowspan='1' style='width:303pt;text-align:left;border-color:Black;min-width:303pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in unrealized gains (losses):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='6' rowspan='1' style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >12 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:282.75pt;text-align:left;border-color:Black;min-width:282.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:262.5pt;text-align:left;border-color:Black;min-width:262.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3 Instruments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Full Year 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:309.75pt;text-align:left;border-color:Black;min-width:309.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Still Held at December 31, 2013:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='7' rowspan='1' style='width:303pt;text-align:left;border-color:Black;min-width:303pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in unrealized gains (losses):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='6' rowspan='1' style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fixed maturity securities, available-for-sale:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:289.5pt;text-align:left;border-color:Black;min-width:289.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Commercial mortgage-backed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='4' rowspan='1' style='width:282.75pt;text-align:left;border-color:Black;min-width:282.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr></table></div> 34000000 33000000 6000000 6000000 6000000 28000000 196000000 193000000 28000000 196000000 28000000 <div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:221.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:221.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Fair Value</font></td></tr><tr style='height:13.5pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:65.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:65.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 1</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 2</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Level 3</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:50.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:50.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='14' rowspan='1' style='width:293.25pt;text-align:center;border-color:Black;min-width:293.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:15pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders liabilities: Investment contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:center;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 151 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 184 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >184 </font></td></tr><tr style='height:6.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:197.25pt;text-align:left;border-color:Black;min-width:197.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;text-decoration:underline;color:#000000;' >December 31, 2013</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:center;border-color:Black;min-width:56.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:center;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Mortgage loans on real estate</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders liabilities: Investment contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >193 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >196 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >196 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:204pt;text-align:center;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policy Loans</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >142 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >174 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >174 </font></td></tr></table></div> 1304000000 37000000 1336000000 24000000 4000000 6000000 20000000 25000000 51000000 242000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >6) </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > REINSURANCE</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >On </font><font style='font-family:Times New Roman;font-size:10pt;' >October 1</font><font style='font-family:Times New Roman;font-size:10pt;' >, 2013, MLOA entered into an agreement with Protective Life to reinsure an in-force book of life insurance and annuity policies, written primarily prior to 2004. </font><font style='font-family:Times New Roman;font-size:10pt;' >As of December 31, 2014 and 2013</font><font style='font-family:Times New Roman;font-size:10pt;' > included in MLOA&#8217;s balance sheet were Amounts due from reinsurers of $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,213</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,207</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively (net of $</font><font style='font-family:Times New Roman;font-size:10pt;' >131</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >129</font><font style='font-family:Times New Roman;font-size:10pt;' > million of ceded policy loans, respectively), including $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,154</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,182</font><font style='font-family:Times New Roman;font-size:10pt;' > million of Policyholder&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >account balances relating to the reinsurance agreement with Protective Life. During 2014 and 2013, respectively, total premiums ceded to Protective Life were $</font><font style='font-family:Times New Roman;font-size:10pt;' >24</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >policyholder benefits ceded </font><font style='font-family:Times New Roman;font-size:10pt;' >were $</font><font style='font-family:Times New Roman;font-size:10pt;' >242</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >18</font><font style='font-family:Times New Roman;font-size:10pt;' > million. As </font><font style='font-family:Times New Roman;font-size:10pt;' >of December 31, 2014, Protective Life is rated AA-. Included in the reinsured business to Protective Life were policies with GMDB and GMIB features which had a reserve balance of $</font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1</font><font style='font-family:Times New Roman;font-size:10pt;' > million at December 31, 2014, respectively and $</font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > million </font><font style='font-family:Times New Roman;font-size:10pt;' >and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1</font><font style='font-family:Times New Roman;font-size:10pt;' > million at December 31, 2013, respectively. </font><font style='font-family:Times New Roman;font-size:10pt;' >As a result of the reinsurance agreement Protective Life will receive all the benefits from and assumes all the risks from other reinsurance contracts</font><font style='font-family:Times New Roman;font-size:10pt;' > to which MLOA was a party for the block of business r</font><font style='font-family:Times New Roman;font-size:10pt;' >einsured.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >For business not reinsured with Protective Life, MLOA generally reinsures its variable life, interest-sensitive life and term life insurance policies on an excess of retention basis. In 201</font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' >, MLOA generally retained up to a maximum of $</font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' > millio</font><font style='font-family:Times New Roman;font-size:10pt;' >n of mortality risk on single-life policies and up to a maximum of $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million of mortality risk on second-to-die policies. For amounts applied for in excess of those limits, reinsurance is ceded to AXA Equitable Life Insurance Company (&#8220;AXA Equitable&#8221;), a</font><font style='font-family:Times New Roman;font-size:10pt;' >n affiliate and wholly-owned subsidiary of AXA Financial, up to a combined maximum of $</font><font style='font-family:Times New Roman;font-size:10pt;' >20</font><font style='font-family:Times New Roman;font-size:10pt;' > million of risk on single-life policies and up to a maximum of $</font><font style='font-family:Times New Roman;font-size:10pt;' >25</font><font style='font-family:Times New Roman;font-size:10pt;' > million on second-to-die policies. For amounts issued in excess of those limits MLOA typically obt</font><font style='font-family:Times New Roman;font-size:10pt;' >ained reinsurance from unaffiliated third parties. The reinsurance arrangements obligate the reinsurer to pay a portion of any death claim in excess of the amount MLOA retained in exchange for an agreed-upon premium.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respect</font><font style='font-family:Times New Roman;font-size:10pt;' >ively, reinsurance </font><font style='font-family:Times New Roman;font-size:10pt;' >recoverables</font><font style='font-family:Times New Roman;font-size:10pt;' > related to insurance contracts amounted to $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,336</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1,304</font><font style='font-family:Times New Roman;font-size:10pt;' > million, of which $</font><font style='font-family:Times New Roman;font-size:10pt;' >37</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >51</font><font style='font-family:Times New Roman;font-size:10pt;' > million </font><font style='font-family:Times New Roman;font-size:10pt;' >(not including Protective Life) related to one specific reinsurer, which is rated AA- with the remainder of t</font><font style='font-family:Times New Roman;font-size:10pt;' >he reinsurers rated A- or not rated.</font><font style='font-family:Times New Roman;font-size:10pt;' > &#160;A contingent liability exists with respect to reinsurance should the reinsurers be unable to meet their obligations. &#160;MLOA evaluates the financial condition of its reinsurers in an effort to minimize its exposure to si</font><font style='font-family:Times New Roman;font-size:10pt;' >gnificant losses from reinsurer insolvencies.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The following table summarizes the effect of reinsurance:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Direct premiums</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >72 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assumed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reinsurance ceded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(46)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(48)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(26)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Premiums</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >25 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >32 </font></td></tr><tr style='height:6.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Variable Life and Investment-type Product Policy Fee Income Ceded</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >48 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >29 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders&#39; Benefits Ceded</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >291 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >125 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td></tr></table></div> 46000000 72000000 56000000 2000000 1000000 1000000 46000000 48000000 26000000 29000000 31000000 48000000 291000000 125000000 84000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Direct premiums</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >46 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >72 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assumed</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reinsurance ceded</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(46)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(48)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(26)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Premiums</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >25 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >32 </font></td></tr><tr style='height:6.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Variable Life and Investment-type Product Policy Fee Income Ceded</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >48 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >29 </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Policyholders&#39; Benefits Ceded</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >291 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >125 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:double;border-top-width:3;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84 </font></td></tr></table></div> 42000000 3000000 87000000 75000000 16000000 26000000 1000000 2000000 2000000 52000000 47000000 32000000 36000000 29000000 25000000 200000000 20000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >7)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > RELATED PARTY TRANSACTIONS</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In 2013, MLOA used a portion of the consideration received from the reinsurance agreement with Protective to return $</font><font style='font-family:Times New Roman;font-size:10pt;' >200</font><font style='font-family:Times New Roman;font-size:10pt;' > million of capital to its parent AEFS and to donate $</font><font style='font-family:Times New Roman;font-size:10pt;' >20</font><font style='font-family:Times New Roman;font-size:10pt;' > million to </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA Foundation, Inc. (the </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;Foundation&#8221;). The Foundation was organized for the purpose of distributing grants to various tax-exempt charitable organizations and administering various matching gift programs for AXA Equitable its subsidiaries and affiliates, including MLOA.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In August</font><font style='font-family:Times New Roman;font-size:10pt;' > 2012, MLOA sold its entire portfolio of agricultural mortgage loans on real estate to AXA Equitable, an affiliate, in exchange for $</font><font style='font-family:Times New Roman;font-size:10pt;' >42</font><font style='font-family:Times New Roman;font-size:10pt;' > million. MLOA recorded a pre-tax net realized gain of $</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > million related to the sale.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Under its service agreement with</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Equitable, personnel servi</font><font style='font-family:Times New Roman;font-size:10pt;' >ces, employee benefits, facilities, supplies and equipment are provided to MLOA to conduct its business. The associated costs related to the service agreement are allocated to MLOA based on methods that management believes a</font><font style='font-family:Times New Roman;font-size:10pt;' >re reasonable, including a review of the nature of such costs and activities performed to support MLOA. As a result of such allocations, MLOA incurred expenses of $</font><font style='font-family:Times New Roman;font-size:10pt;' >67</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >87</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >75</font><font style='font-family:Times New Roman;font-size:10pt;' > million for </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively, MLOA reported a $</font><font style='font-family:Times New Roman;font-size:10pt;' >16</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >26</font><font style='font-family:Times New Roman;font-size:10pt;' > million payable to </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Equitable in connection with its service agreement.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Various </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > affiliates, including MLOA, cede a portion of their life, health and ca</font><font style='font-family:Times New Roman;font-size:10pt;' >tastrophe insurance business through reinsurance agreements to </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Global Life beginning in 2010 (and </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Cessions in 2009 and prior), </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > affiliated reinsurers. Beginning in 2008 </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Global Life, in turn, retrocedes a quota share portion of these risks t</font><font style='font-family:Times New Roman;font-size:10pt;' >o MLOA on a one-year term basis. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >MLOA cedes a portion of its life business through excess of retention treaties to </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Equitable on a yearly renewal term basis and reinsured the no lapse guarantee riders through AXA RE Arizona Company.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >During 201</font><font style='font-family:Times New Roman;font-size:10pt;' >4, 2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' >, premiums, claims and expenses assum</font><font style='font-family:Times New Roman;font-size:10pt;' >ed and ceded under these agreements were not significant.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively, MLOA paid AXA Distribution and its subsidiaries $</font><font style='font-family:Times New Roman;font-size:10pt;' >52</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >47</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >32</font><font style='font-family:Times New Roman;font-size:10pt;' > mill</font><font style='font-family:Times New Roman;font-size:10pt;' >ion of commissions and fees for sales of insurance products. MLOA charged AXA Distribution&#8217;s subsidiaries $</font><font style='font-family:Times New Roman;font-size:10pt;' >36</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >29</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >25</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively, for their applicable share of operating expenses in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, pursuant to the Agreements for Services.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >In addition to the </font><font style='font-family:Times New Roman;font-size:10pt;' >AXA</font><font style='font-family:Times New Roman;font-size:10pt;' > Equitable service agreement, MLOA has various other service and investment advisory agreements with affiliates. The amount of expenses incurred by MLOA related to these agreements we</font><font style='font-family:Times New Roman;font-size:10pt;' >re $</font><font style='font-family:Times New Roman;font-size:10pt;' >1</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > million for </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p></div> 2000000 3000000 3000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >8) </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > SHARE-BASED COMPENSATION</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >Certain employees of AXA Equitable, who perform services on a full-time basis for MLOA, participate in various share-based payment arrangements sponsored by AXA Financial. MLOA was allocated $</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' > m</font><font style='font-family:Times New Roman;font-size:10pt;' >illion, $</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > and $</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > million o</font><font style='font-family:Times New Roman;font-size:10pt;' >f compensation costs, included in Compensation and benefits in the statement of Earnings (Loss), for share-based payment arrangements during 201</font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' >, 201</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > and 201</font><font style='font-family:Times New Roman;font-size:10pt;' >2</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >9) </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > INCOME TAXES </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >A summary of the income t</font><font style='font-family:Times New Roman;font-size:10pt;' >ax (expense) benefit in the statements of earnings (loss) follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Income tax (expense) benefit:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(90)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >74 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(16)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The Federal income taxes attributable to operations are different from the amounts determined by multiplying the earnings (loss), before income taxes by the expected Federal income tax rate of </font><font style='font-family:Times New Roman;font-size:10pt;' >35</font><font style='font-family:Times New Roman;font-size:10pt;' >%. The sources of the difference and their tax effects are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186pt;text-align:center;border-color:Black;min-width:186pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Expected income tax (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(15)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(15)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Dividends received deduction</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Tax settlement</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Prior year adjustment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Income Tax (Expense) Benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(16)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA</font><font style='font-family:Times New Roman;font-size:10pt;' > recognized a tax benefit in 2012 of $9 million related to the settlement with the IRS of the audit for tax years 2004</font><font style='font-family:Times New Roman;font-size:10pt;' > - </font><font style='font-family:Times New Roman;font-size:10pt;' >2007.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The components of the net deferred income taxes are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:144.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:144.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:144.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:144.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assets</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Liabilities</font></td></tr><tr style='height:3pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:296.25pt;text-align:center;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reserves and reinsurance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >77 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >78 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Goodwill and other intangible assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >116 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >77 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >91 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA does not provide income taxes on the undistributed earnings related to its investment in AllianceBernstein units except to the extent that such earnings are not permanently invested outside the United States. As of </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > of accumulated undistributed earnings related to its investment in AllianceBernstein units were permanently invested outside </font><font style='font-family:Times New Roman;font-size:10pt;' >the United States. At existing applicable income tax rates, additional taxes of approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > million would need to be prov</font><font style='font-family:Times New Roman;font-size:10pt;' >ided if such earnings were remitted.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, of the total amount of unrecognized tax benefits,</font><font style='font-family:Times New Roman;font-size:10pt;' > $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively, would affect the effective tax rate.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >MLOA recognizes accrued interest and penalties related to un</font><font style='font-family:Times New Roman;font-size:10pt;' >recognized tax benefits in tax (expense) benefit. Interest and penalties included in the amounts of unrecognized tax benefits at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > were $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. Tax (expense) benefit for </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > reflected </font><font style='font-family:Times New Roman;font-size:10pt;' >a b</font><font style='font-family:Times New Roman;font-size:10pt;' >enefit of $</font><font style='font-family:Times New Roman;font-size:10pt;' >0</font><font style='font-family:Times New Roman;font-size:10pt;' > million in interest expense related to unrecognized tax benefits.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >A reconciliation of unrecognized tax benefits (excluding interest and penalties) follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, beginning of year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >17 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Additions for tax positions of prior years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reductions for tax positions of prior years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Settlements with tax authorities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, End of Year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >In </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, the IRS concluded its examination of the tax returns of MONY Life and its subsidiaries from the date of its acquisition by AXA Financial in 2004 through 2007. The completion of this examination resulted in the release of $</font><font style='font-family:Times New Roman;font-size:10pt;' >12</font><font style='font-family:Times New Roman;font-size:10pt;' > million of unrecognized tax benefits for MLOA. It is reasonably possible that the total amounts of unrecognized tax benefits will change within the next 12 months. The possible change in the amount of unrecognized tax benefits cannot be estimated at this time.</font></p><p style='text-align:left;line-height:12pt;' ></p></div> 4000000 90000000 3000000 -8000000 -74000000 2000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186.75pt;text-align:center;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Income tax (expense) benefit:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(90)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Deferred (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >74 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(16)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr></table></div> 0.35 -4000000 15000000 15000000 2000000 1000000 1000000 0 0 -9000000 0 0 2000000 0 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:186pt;text-align:center;border-color:Black;min-width:186pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Expected income tax (expense) benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(15)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(15)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Dividends received deduction</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Tax settlement</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Prior year adjustment</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Income Tax (Expense) Benefit</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(16)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(6)</font></td></tr></table></div> 0 78000000 3000000 18000000 9000000 8000000 0 56000000 6000000 13000000 9000000 7000000 0 105000000 77000000 116000000 91000000 105000000 0 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:144.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:144.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31, 2014</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='5' rowspan='1' style='width:144.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:144.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Assets</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Liabilities</font></td></tr><tr style='height:3pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='11' rowspan='1' style='width:296.25pt;text-align:center;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reserves and reinsurance</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >77 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >DAC</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >78 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >VOBA</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Investments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >13 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Goodwill and other intangible assets</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:201pt;text-align:left;border-color:Black;min-width:201pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >116 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >77 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >91 </font></td></tr></table></div> 8000000 3000000 6000000 5000000 0 0 0 5000000 4000000 17000000 1000000 1000000 1000000 0 0 2000000 0 12000000 6000000 0 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:189pt;text-align:center;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, beginning of year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >17 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Additions for tax positions of prior years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1 </font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Reductions for tax positions of prior years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(2)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Settlements with tax authorities</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td></tr><tr style='height:12.75pt;' ><td style='width:310.5pt;text-align:left;border-color:Black;min-width:310.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, End of Year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >10) </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >AOCI</font><font style='font-family:Times New Roman;font-size:10pt;' > represents cumulative gains (losses) on investments that are not reflected in earnings (loss). The balances for the past three years follow:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:190.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:190.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:190.5pt;text-align:center;border-color:Black;min-width:190.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Unrealized gains (losses) on investments, net of adjustments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >82 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Accumulated Other Comprehensive Income (Loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >82 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:21.6pt;' >The components of OCI for the past three years follow:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='8' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:184.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='8' rowspan='1' style='width:184.5pt;text-align:center;border-color:Black;min-width:184.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in net unrealized gains (losses) on investments:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net unrealized gains (losses) arising during the year</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(58)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(Gains) losses reclassified into net earnings (loss) during the year</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(44)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in net unrealized gains (losses) on investments</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(102)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Adjustments for DAC, VOBA and Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other Comprehensive Income (Loss), net of adjustments and (net of deferred</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >income tax expense (benefit) of $(5) million, $40 million and $(15) million</font></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(74)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >27 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >See </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;Reclassification adjustments&#8221; in Note 3</font><font style='font-family:Times New Roman;font-size:10pt;' >. Reclassification amounts presented net of income tax expense (benefit) of $</font><font style='font-family:Times New Roman;font-size:10pt;' >(6)</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >24</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >(2)</font><font style='font-family:Times New Roman;font-size:10pt;' > million for 2014, 2013 and 2012, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;color:#000000;' >Investment gains and losses reclassified from AOCI</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > to net earnings (loss) primarily consist of realized gains (losses) on sales and OTTI of AFS securities and are included in Total investment gains (losses), net on the statements of earnings (loss).</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Amounts presented i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >n the table above are net of tax.</font></p></div> 8000000 82000000 17000000 82000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:190.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:190.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:60.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='8' rowspan='1' style='width:190.5pt;text-align:center;border-color:Black;min-width:190.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:11.25pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:286.5pt;text-align:center;border-color:Black;min-width:286.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:52.5pt;text-align:center;border-color:Black;min-width:52.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Unrealized gains (losses) on investments, net of adjustments</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >82 </font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:306.75pt;text-align:left;border-color:Black;min-width:306.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Accumulated Other Comprehensive Income (Loss)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >82 </font></td></tr></table></div> 11000000 -58000000 28000000 -3000000 44000000 -7000000 18000000 -102000000 31000000 -4000000 28000000 -9000000 -40000000 5000000 15000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='8' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:184.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >December 31,</font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font></td></tr><tr style='height:3pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:304.5pt;text-align:left;border-color:Black;min-width:304.5pt;' ></td><td colspan='8' rowspan='1' style='width:184.5pt;text-align:center;border-color:Black;min-width:184.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(In Millions)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in net unrealized gains (losses) on investments:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net unrealized gains (losses) arising during the year</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(58)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(Gains) losses reclassified into net earnings (loss) during the year</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font></sup></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(44)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Change in net unrealized gains (losses) on investments</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >18 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(102)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >31 </font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Adjustments for DAC, VOBA and Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(4)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318pt;text-align:left;border-color:Black;min-width:318pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other Comprehensive Income (Loss), net of adjustments and (net of deferred</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >income tax expense (benefit) of $(5) million, $40 million and $(15) million</font></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(74)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:9pt;border-bottom-style:double;border-bottom-width:3;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:double;border-bottom-width:3;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >27 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >11)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > LITIGATION</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >MLOA is involved in various legal actions and proceedings in connection with its business. Some of the actions and proceedings have been brought on behalf of various alleged classes of claimants and certain of these claimants seek </font><font style='font-family:Times New Roman;font-size:10pt;' >damages of unspecified amounts. While the ultimate outcome of such matters cannot be predicted with certainty, in the opinion of management no such matter is likely to have a material adverse effect on MLOA&#8217;s financial position or results of operations. </font><font style='font-family:Times New Roman;font-size:10pt;' >However, it should be noted that the frequency of large damage awards, including large punitive damage awards that bear little or no relation to actual economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an </font><font style='font-family:Times New Roman;font-size:10pt;' >unpredictable judgment in any given matter.</font></p></div> 12000000 34000000 33000000 401000000 367000000 6000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >12)</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > STATUTORY FINANCIAL INFORMATION</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >MLOA is restricted as to the amounts it may pay as dividends to AEFS. Under Arizona Insurance Law, a domestic life insurer may, without prior approval of the Superintendent, pay a dividend to its shareholder not </font><font style='font-family:Times New Roman;font-size:10pt;' >exceeding an amount calculated based on a statutory formula. This formula would not permit MLOA to pay shareholder dividends </font><font style='font-family:Times New Roman;font-size:10pt;' >during 2015. For </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, MLOA&#8217;s statutory net income (loss) was $</font><font style='font-family:Times New Roman;font-size:10pt;' >12</font><font style='font-family:Times New Roman;font-size:10pt;' > millio</font><font style='font-family:Times New Roman;font-size:10pt;' >n, $</font><font style='font-family:Times New Roman;font-size:10pt;' >34</font><font style='font-family:Times New Roman;font-size:10pt;' > mill</font><font style='font-family:Times New Roman;font-size:10pt;' >ion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >33</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. Statutory surplus, capital stock and Asset Valuation Reserve (&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >AVR</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221;) totaled $</font><font style='font-family:Times New Roman;font-size:10pt;' >401</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >367</font><font style='font-family:Times New Roman;font-size:10pt;' > million at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. There were no shareholder dividends paid to its parent by MLOA in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >. In 2013 MLOA, utilized a portion of the consideration from the reinsurance agreement with Protective Life to return $</font><font style='font-family:Times New Roman;font-size:10pt;' >200</font><font style='font-family:Times New Roman;font-size:10pt;' > million of surplus to its parent, AEFS.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, MLOA, in accordance with various go</font><font style='font-family:Times New Roman;font-size:10pt;' >vernment and state regulations, had $</font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > million of securities on deposit with such government or state agencies.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >At </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and for the year then ended, there were no differences in net income (loss) and capital and surplus resulting from practices prescri</font><font style='font-family:Times New Roman;font-size:10pt;' >bed and permitted by the State of Arizona Insurance Department (the &#8220;AID&#8221;) and those prescribed by NAIC Accounting Practices and Procedures effective at </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:22.3pt;' >Accounting practices used to prepare statutory financial statements for regulatory filings of</font><font style='font-family:Times New Roman;font-size:10pt;' > stock life insurance companies differ in certain instances from U.S. GAAP. The differences between statutory surplus and capital stock determined in accordance with Statutory Accounting Principles (&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8221;) and total shareholder&#8217;s equity under U.S. GAAP ar</font><font style='font-family:Times New Roman;font-size:10pt;' >e primarily: (a) the inclusion in </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > of an </font><font style='font-family:Times New Roman;font-size:10pt;' >AVR</font><font style='font-family:Times New Roman;font-size:10pt;' > intended to stabilize surplus from fluctuations in the value of the investment portfolio; (b) future policy benefits and policyholders&#8217; account balances under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > differ from U.S. GAAP due to differences betw</font><font style='font-family:Times New Roman;font-size:10pt;' >een actuarial assumptions and reserving methodologies; (c) certain policy acquisition costs are expensed under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > but deferred under U.S. GAAP and amortized over future periods to achieve a matching of revenues and expenses; (d) under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' >, Federal income </font><font style='font-family:Times New Roman;font-size:10pt;' >taxes are provided on the basis of amounts currently payable with limited recognition of deferred tax assets while under U.S. GAAP, deferred taxes are recorded for temporary differences between the financial statements and tax basis of assets and liabiliti</font><font style='font-family:Times New Roman;font-size:10pt;' >es where the probability of realization is reasonably assured; (e) the valuation of assets under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > and U.S. GAAP differ due to different investment valuation and depreciation methodologies, as well as the deferral of interest-related realized capital gai</font><font style='font-family:Times New Roman;font-size:10pt;' >ns and losses on fixed income investments; (f) the valuation of the investment in Alliance Units under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > reflects a portion of the market value appreciation rather than the equity in the underlying net assets as required under U.S. GAAP; (g) computer sof</font><font style='font-family:Times New Roman;font-size:10pt;' >tware development costs are capitalized under U.S. GAAP but expensed under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' >; (h) certain assets, primarily pre-paid assets, are not admissible under </font><font style='font-family:Times New Roman;font-size:10pt;' >SAP</font><font style='font-family:Times New Roman;font-size:10pt;' > but are admissible under U.S. GAAP (</font><font style='font-family:Times New Roman;font-size:10pt;' >i</font><font style='font-family:Times New Roman;font-size:10pt;' >) the fair valuing of all acquired assets and liabilities inclu</font><font style='font-family:Times New Roman;font-size:10pt;' >ding VOBA assets required for U.S. GAAP purchase accounting and (j) cost of reinsurance is recognized as expense under SAP and amortized over the life of the underlying reinsured policies under U.S. GAAP.</font></p></div> 13000000 8000000 0 8000000 4000000 0 0 74000000 0 -1000000 4000000 0 -7000000 -12000000 0 0 200000000 0 4000000 1000000 13000000 6000000 2000000 1000000 -3000000 14000000 -8000000 13000000 8000000 8000000 2000000 6000000 5000000 1809000000 14000000 14000000 14000000 14000000 14000000 14000000 2000000 -2000000 1000000 6000000 1000000 -7000000 -2000000 13000000 1000000 3000000 3000000 34000000 29000000 5000000 9000000 1000000 1213000000 1207000000 6000000 18000000 67000000 2000000 77000000 -6000000 24000000 -2000000 S-1 FY 2014 0000835357 Yes No Non-accelerated Filer No 3000000 17000000 0 1000000 3000000 1000000 6000000 6000000 1000000 3000000 1000000 0 0 0 0 0 0 6000000 2000000 4000000 2000000 4000000 12000000 0 0 2000000 2000000 3000000 8000000 131000000 129000000 1154000000 1182000000 6000000 6000000 12000000 0 0 0 151000000 142000000 184000000 174000000 5000000 1000000 5000000 1000000 -3000000 -1000000 1000000 -5000000 0 2000000 1000000 -2000000 0 0 -5000000 1000000 0 2000000 0 -3000000 1000000 -2000000 -1000000 0 -84000000 67000000 43000000 38000000 -84000000 67000000 43000000 38000000 5000000 12000000 -6000000 11000000 17000000 -7000000 29000000 -2000000 -9000000 18000000 -14000000 -3000000 17000000 -7000000 -14000000 -3000000 184000000 28000000 4000000 8000000 2000000 -1000000 0 1000000 156000000 -31000000 -44000000 81000000 -4000000 -1000000 2000000 -3000000 XML 12 R17.htm IDEA: XBRL DOCUMENT v2.4.1.9
ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME
 12 Months Ended
Dec. 31, 2014
Accumulated Other Comprehensive Income Loss [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE INCOME LOSS

10) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

AOCI represents cumulative gains (losses) on investments that are not reflected in earnings (loss). The balances for the past three years follow:

December 31,
201420132012
(In Millions)
Unrealized gains (losses) on investments, net of adjustments$17 $8 $82
Total Accumulated Other Comprehensive Income (Loss)$17 $8 $82

The components of OCI for the past three years follow:

December 31,
201420132012
(In Millions)
Change in net unrealized gains (losses) on investments:
Net unrealized gains (losses) arising during the year$11 $(58)$28
(Gains) losses reclassified into net earnings (loss) during the year(1)7 (44)3
Change in net unrealized gains (losses) on investments18 (102)31
Adjustments for DAC, VOBA and Other(9)28 (4)
Other Comprehensive Income (Loss), net of adjustments and (net of deferred
income tax expense (benefit) of $(5) million, $40 million and $(15) million$9 $(74)$27

See “Reclassification adjustments” in Note 3. Reclassification amounts presented net of income tax expense (benefit) of $(6) million, $24 million and $(2) million for 2014, 2013 and 2012, respectively.

Investment gains and losses reclassified from AOCI to net earnings (loss) primarily consist of realized gains (losses) on sales and OTTI of AFS securities and are included in Total investment gains (losses), net on the statements of earnings (loss). Amounts presented in the table above are net of tax.
XML 13 R53.htm IDEA: XBRL DOCUMENT v2.4.1.9
SHARE-BASED COMPENSATION (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Share Based Compensation Expense $ 2us-gaap_AllocatedShareBasedCompensationExpense $ 3us-gaap_AllocatedShareBasedCompensationExpense $ 3us-gaap_AllocatedShareBasedCompensationExpense
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STATEMENTS OF EARNINGS (LOSS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
REVENUES [Abstract]      
Universal life and investment-type product policy fee income $ 91us-gaap_InsuranceCommissionsAndFees $ 131us-gaap_InsuranceCommissionsAndFees $ 117us-gaap_InsuranceCommissionsAndFees
Premiums 1us-gaap_PremiumsEarnedNet 25us-gaap_PremiumsEarnedNet 32us-gaap_PremiumsEarnedNet
Net investment income (loss): [Abstract]      
Investment income (loss) from derivative instruments 13us-gaap_DerivativeGainLossOnDerivativeNet 8us-gaap_DerivativeGainLossOnDerivativeNet 0us-gaap_DerivativeGainLossOnDerivativeNet
Other Investment Income Loss 37mloa_OtherInvestmentIncomeLoss 84mloa_OtherInvestmentIncomeLoss 110mloa_OtherInvestmentIncomeLoss
Net investment income (loss) 50us-gaap_NetInvestmentIncome 92us-gaap_NetInvestmentIncome 110us-gaap_NetInvestmentIncome
Investment gains (losses), net: [Abstract]      
Total other-than-temporary impairment losses (10)us-gaap_ImpairmentOfInvestments (6)us-gaap_ImpairmentOfInvestments (7)us-gaap_ImpairmentOfInvestments
Portion of loss recognized in other comprehensive income (loss) 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest
Net impariment losses recognized (10)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (6)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (7)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
Other investment gains (losses), net 4us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments 74us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments 2us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments
Total Investment (gains) losses, net (6)us-gaap_GainLossOnInvestments 68us-gaap_GainLossOnInvestments (5)us-gaap_GainLossOnInvestments
Equity in earnings (loss) of AllianceBernstein 1us-gaap_IncomeLossFromEquityMethodInvestments 5us-gaap_IncomeLossFromEquityMethodInvestments 2us-gaap_IncomeLossFromEquityMethodInvestments
Other income (loss) 8us-gaap_OtherIncome 5us-gaap_OtherIncome 5us-gaap_OtherIncome
Increase (decrease) in the fair value of the reinsurance contract asset 0mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts (7)mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts (2)mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts
Total revenues 145us-gaap_Revenues 319us-gaap_Revenues 259us-gaap_Revenues
BENEFITS AND OTHER DEDUCTIONS [Abstract]      
Policyholders benefits 31us-gaap_PolicyholderBenefitsAndClaimsIncurredNet 78us-gaap_PolicyholderBenefitsAndClaimsIncurredNet 103us-gaap_PolicyholderBenefitsAndClaimsIncurredNet
Interest credited to policyholders' account balances 39us-gaap_InterestCreditedToPolicyholdersAccountBalances 65us-gaap_InterestCreditedToPolicyholdersAccountBalances 61us-gaap_InterestCreditedToPolicyholdersAccountBalances
Compensation and benefits 29us-gaap_LaborAndRelatedExpense 32us-gaap_LaborAndRelatedExpense 25us-gaap_LaborAndRelatedExpense
Commissions 73us-gaap_InsuranceCommissions 80us-gaap_InsuranceCommissions 38us-gaap_InsuranceCommissions
Amortization of deferred policy acquisition costs and value of business acquired 14mloa_AmortizationOfDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired 21mloa_AmortizationOfDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired (27)mloa_AmortizationOfDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired
Capitalization of deferred policy acquisition costs (78)us-gaap_DeferredPolicyAcquisitionCostsAdditions (81)us-gaap_DeferredPolicyAcquisitionCostsAdditions (31)us-gaap_DeferredPolicyAcquisitionCostsAdditions
Amortization of deferred cost of reinsurance 8mloa_AmortizationOfReinsuranceCosts 4mloa_AmortizationOfReinsuranceCosts 0mloa_AmortizationOfReinsuranceCosts
Rent expense 2us-gaap_OperatingLeasesRentExpenseNet 2us-gaap_OperatingLeasesRentExpenseNet 2us-gaap_OperatingLeasesRentExpenseNet
Other operating costs and expenses 37us-gaap_OtherCostAndExpenseOperating 74us-gaap_OtherCostAndExpenseOperating 44us-gaap_OtherCostAndExpenseOperating
Total benefits and other deductions 155us-gaap_BenefitsLossesAndExpenses 275us-gaap_BenefitsLossesAndExpenses 215us-gaap_BenefitsLossesAndExpenses
Earnings (loss), before income taxes (10)us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 44us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 44us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax (expense) benefit 5us-gaap_IncomeTaxExpenseBenefit (16)us-gaap_IncomeTaxExpenseBenefit (6)us-gaap_IncomeTaxExpenseBenefit
Net earnings (loss) $ (5)us-gaap_ProfitLoss $ 28us-gaap_ProfitLoss $ 38us-gaap_ProfitLoss

XML 16 R10.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS
 12 Months Ended
Dec. 31, 2014
Investments Disclosure [Abstract]  
INVESTMENTS

3) INVESTMENTS

Fixed Maturities and Equity Securities

The following table provides information relating to fixed maturities classified as AFS; no equity securities were classified as AFS.

Available-for-Sale Securities by Classification
GrossGross
AmortizedUnrealizedUnrealizedFairOTTI
CostGainsLossesValuein AOCI(1)
(In Millions)
December 31, 2014:
Fixed Maturity Securities:
Corporate $765 $38 $2 $801 $-
U.S. Treasury, government
and agency27 --27 -
States and political subdivisions6 --6 -
Commercial mortgage-backed 34 3 11 26 1
Redeemable preferred stock 18 --18 -
Total at December 31, 2014$850 $41 $13 $878 $1
December 31, 2013:
Fixed Maturity Securities:
Corporate $608 $33 $8 $633 $-
U.S. Treasury, government
and agency34 --34 -
States and political subdivisions6 --6 -
Commercial mortgage-backed 46 1 23 24 1
Redeemable preferred stock 18 -2 16 -
Total at December 31, 2013$712 $34 $33 $713 $1

Amounts represent OTTI losses in AOCI, which were not included in earnings (loss) in accordance with current accounting guidance.

The contractual maturities of AFS fixed maturities (excluding redeemable preferred stock) at December 31, 2014 are shown in the table below. Bonds not due at a single maturity date have been included in the table in the final year of maturity. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

Available-for-Sale Fixed Maturity Securities
Contractual Maturities at December 31, 2014
Amortized CostFair Value
(In Millions)
Due in one year or less$39 $40
Due in years two through five167 179
Due in years six through ten560 582
Due after ten years32 33
Subtotal798 834
Commercial mortgage-backed securities34 26
Total$832 $860

The following table shows proceeds from sales, gross gains (losses) from sales and OTTI for AFS fixed maturities during 2014, 2013 and 2012:

December 31,
201420132012
(In Millions)
Proceeds from sales(1)$39 $1,200 $13
Gross gains on sales(2)$1 $84 $2
Gross losses on sales(3)$1 $9 $1
Total OTTI$(10)$(6)$(7)
Non-credit losses recognized in OCI---
Credit losses recognized in earnings (loss)$(10)$(6)$(7)

  • 2013 amount includes $1,090 million of transfer of assets to Protective Life.
  • 2013 amount includes $81 million of gross gains from assets transferred to Protective Life.
  • 2013 amount includes $6 million of gross losses from assets transferred to Protective Life.

The following table sets forth the amount of credit loss impairments on fixed maturity securities held by MLOA at the dates indicated and the corresponding changes in such amounts.

Fixed Maturity Securities - Credit Loss Impairments
20142013
(In Millions)
Balances at January 1,$(60)$(72)
Previously recognized impairments on securities that matured, paid, prepaid or sold19 18
Recognized impairments on securities impaired to fair value this period(1)--
Impairments recognized this period on securities not previously impaired(9)(6)
Additional impairments this period on securities previously impaired(1)-
Increases due to passage of time on previously recorded credit losses--
Accretion of previously recognized impairments due to increases in expected cash flows--
Balances at December 31,$(51)$(60)

(1) Represents circumstances where MLOA determined in the current period that it intends to sell the security or it is more likely than not that it will be required to sell the security before recovery of the security’s amortized cost.

Net unrealized investment gains (losses) on fixed maturities and equity securities classified as AFS are included in the balance sheets as a component of AOCI. The table below presents these amounts as of the dates indicated:

December 31,
20142013
(In Millions)
AFS Securities:
Fixed maturity securities:
With OTTI loss$(1)$(4)
All other29 5
Net Unrealized (Gains) Losses$28 $1

Changes in net unrealized investment gains (losses) recognized in AOCI include reclassification adjustments to reflect amounts realized in Net earnings (loss) for the current period that had been part of OCI in earlier periods. The tables that follow below present a rollforward of net unrealized investment gains (losses) recognized in AOCI, split between amounts related to fixed maturity securities on which an OTTI loss has been recognized, and all other:

Net Unrealized Gains (Losses) on Fixed Maturity Securities with OTTI Losses
AOCI Gain
Net(Loss) Related
UnrealizedDeferredto Net
GainsIncomeUnrealized
(Losses) onDAC andTax AssetInvestment
InvestmentsVOBA(Liability)Gains (Losses)
(In Millions)
Balance, January 1, 2014$(4)$(1)$2 $(3)
Net investment gains (losses) arising during the period----
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)3 --3
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-1 -1
Deferred income taxes--(2)(2)
Balance, December 31, 2014$(1)$-$-$(1)
Balance, January 1, 2013$2 $(1)$-$1
Net investment gains (losses) arising during the period(5)--(5)
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)(1)--(1)
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA----
Deferred income taxes--2 2
Balance, December 31, 2013$(4)$(1)$2 $(3)

(1) Represents “transfers in” related to the portion of OTTI losses recognized during the period that were not recognized in earnings (loss) for securities with no prior OTTI loss.

All Other Net Unrealized Investment Gains (Losses) in AOCI
AOCI Gain
Net(Loss) Related
UnrealizedDeferredto Net
GainsIncome Unrealized
(Losses) onDAC andTax AssetInvestment
InvestmentsVOBA(Liability)Gains (Losses)
(In Millions)
Balance, January 1, 2014$5 $12 $(6)$11
Net investment gains (losses) arising during the period17 --17
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)7 --7
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-(14)-(14)
Deferred income taxes--(3)(3)
Balance, December 31, 2014$29 $(2)$(9)$18
Balance, January 1, 2013$156 $(31)$(44)$81
Net investment gains (losses) arising during the period(84)--(84)
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)(67)--(67)
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-43 -43
Deferred income taxes--38 38
Balance, December 31, 2013$5 $12 $(6)$11

(1) Represents “transfers out” related to the portion of OTTI losses during the period that were not recognized in earnings (loss) for securities with no prior OTTI loss.

The following tables disclose the fair values and gross unrealized losses of the 70 issues at December 31, 2014 and the 143 issues at December 31, 2013 of fixed maturities that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for the specified periods at the dates indicated:

Less Than 12 Months 12 Months or Longer Total
GrossGrossGross
UnrealizedUnrealizedUnrealized
Fair ValueLossesFair ValueLossesFair ValueLosses
(In Millions)
December 31, 2014
Fixed Maturity Securities:
Corporate$41 $(1)$38 $(1)$79 $(2)
U.S. Treasury, government
and agency16 ---16 -
States and political subdivisions1 ---1 -
Commercial mortgage-backed1 -20 (11)21 (11)
Redeemable preferred stock5 -4 -9 -
Total $64 $(1)$62 $(12)$126 $(13)
December 31, 2013
Fixed Maturity Securities:
Corporate$109 $(6)$38 $(2)$147 $(8)
U.S. Treasury, government
and agency21 ---21 -
States and political subdivisions1 ---1 -
Commercial mortgage-backed13 (13)8 (10)21 (23)
Redeemable preferred stock8 (2)--8 (2)
Total$152 $(21)$46 $(12)$198 $(33)

MLOA’s investments in fixed maturity securities do not include concentrations of credit risk of any single issuer greater than 10% of the shareholder’s equity of MLOA, other than securities of the U.S. government, U.S. government agencies and certain securities guaranteed by the U.S. government. MLOA maintains a diversified portfolio of corporate securities across industries and issuers and does not have exposure to any single issuer in excess of 1.3% of total investments. The largest exposures to a single issuer of corporate securities held at December 31, 2014 and 2013 were $15 million and $27 million, respectively. Corporate high yield securities, consisting primarily of public high yield bonds, are classified as other than investment grade by the various rating agencies, i.e., a rating below Baa3/BBB- or the National Association of Insurance Commissioners (“NAIC”) designation of 3 (medium grade), 4 or 5 (below investment grade) or 6 (in or near default). At December 31, 2014 and 2013, respectively, approximately $48 million and $60 million, or 5.6% and 8.4%, of the $850 million and $712 million aggregate amortized cost of fixed maturities held by MLOA were considered to be other than investment grade. These securities had net unrealized losses of $8 million and $22 million at December 31, 2014 and 2013, respectively. At December 31, 2014 and 2013, respectively, the $12 million and $12 million of gross unrealized losses of twelve months or more were concentrated in commercial mortgage-backed securities. In accordance with the policy described in Note 2, MLOA concluded that an adjustment to earnings for OTTI for these securities was not warranted at either December 31, 2014 or 2013. At December 31, 2014, MLOA did not intend to sell the securities nor will it likely be required to dispose of the securities before the anticipated recovery of their remaining amortized cost basis.

At December 31, 2014, the carrying value of fixed maturities that were non-income producing for the twelve months preceding that date was $2 million.

Mortgage Loans

During 2014 all of MLOA’s mortgage loans matured or prepaid and there were no outstanding balances at December 31, 2014.

Valuation Allowances for Mortgage Loans:

Allowances for credit losses for mortgage loans in 2014, 2013 and 2012 are as follows:

Commercial Mortgage Loans
201420132012
(In Millions)
Allowance for credit losses:
Beginning Balance, January 1,$3 $4 $3
Charge-offs(3)--
Recoveries-(1)-
Provision--1
Ending Balance, December 31,$-$3 $4
Ending Balance, December 31,:
Individually Evaluated for Impairment$-$3 $4

There were no allowances for credit losses for agricultural mortgage loans in 2014, 2013 and 2012.

The values used in these ratio calculations were developed as part of the periodic review of the commercial mortgage loan portfolio, which includes an evaluation of the underlying collateral value. The following tables provide information relating to the loan-to-value and debt service coverage ratio for commercial mortgage loans at December 31, 2013.

Mortgage Loans by Loan-to-Value and Debt Service Coverage Ratios
December 31, 2013
Debt Service Coverage Ratio
LessTotal
Greater1.8x to1.5x to1.2x to1.0x tothanMortgage
Loan-to-Value Ratio:(2)than 2.0x2.0x1.8x1.5x1.2x1.0xLoans
(In Millions)
Commercial Mortgage Loans(1)
0% - 50%$-$-$16 $-$-$-$16
50% - 70%---6 --6
70% - 90%-------
90% plus9 -----9
Total Commercial
Mortgage Loans$9 $-$16 $6 $-$-$31

  • The debt service coverage ratio is calculated using the most recently reported net operating income results from property operations divided by annual debt service.
  • The loan-to-value ratio is derived from current loan balance divided by the fair market value of the property. The fair market value of the underlying commercial properties is updated annually.

The following table provides information relating to the aging analysis of past due mortgage loans at December 31, 2013.

Age Analysis of Past Due Commercial Mortgage Loans
Recorded
Investment
Total> 90 Days
30-5960-8990 DaysFinancingand
DaysDaysor >TotalCurrentReceivablesAccruing
(In Millions)
December 31, 2013
Total Commercial
Mortgage Loans$-$-$-$-$31 $31 $-

The following table provides information relating to impaired mortgage loans at December 31, 2013.

Commercial Mortgage Loans - Impaired
UnpaidAverageInterest
RecordedPrincipalRelatedRecordedIncome
InvestmentBalanceAllowanceInvestment(1)Recognized
(In Millions)
December 31, 2013
With no related allowance recorded$-$-$-$-$-
With related allowance recorded$9 $9 $(3)$10 $-

Represents a five-quarter average of recorded amortized cost.

Equity Investments

MLOA holds equity in limited partnership interests and other equity method investments that primarily invest in securities considered to be other than investment grade. The carrying values at December 31, 2014 and 2013 were $0 million and $1 million, respectively.

The following table presents MLOA’s investment in 2.6 million units in AllianceBernstein, an affiliate, which is included in Other invested assets:

20142013
(In Millions)
Balance at January 1,$70 $69
Equity in net earnings (loss)1 5
Dividends received(5)(4)
Other(3)-
Balance at December 31,$63 $70

The tables below detail the condensed balance sheets and statements of earnings (loss) of AllianceBernstein and MLOA's equity investment and equity in earnings (loss) of AllianceBernstein.

December 31,
20142013
(In Millions)
Balance Sheets:
Total Assets$ 7,378 $ 7,386
Total Liabilities 3,246 3,316
Redeemable non-controlling interest 17 -
Total Partners' Capital 4,116 4,070
Total Liabilities and Partners' Capital$ 7,379 $ 7,386
MLOA's Equity investment in AllianceBernstein$ 63 $ 70
201420132012
(In Millions)
Statements of Earnings (Loss):
Total revenues$ 3,005 $ 2,915 $ 2,737
Total Expenses 2,397 2,351 2,534
Net Earnings (Loss)$ 570 $ 518 $ 189
MLOA's Equity in earnings (loss) of AllianceBernstein$ 1 $ 5 $ 2

Derivatives and Offsetting Assets and Liabilities

MLOA hedges crediting rates in the Market Stabilizer Option® (“MSO”) in the variable life insurance products and Indexed Universal Life (“IUL”) insurance products. These products permit the contract owner to participate in the performance of an index, ETF or commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which MLOA will absorb up to a certain percentage the loss of value in an index, ETF or commodity price, which varies by product segment.

In order to support the returns associated with these features, MLOA enters into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price subject to caps and buffers.

The tables below present quantitative disclosures about MLOA’s derivative instruments, including those embedded in other contracts though required to be accounted for as derivative instruments.

Derivative Instruments by Category
Fair Value
Gains (Losses)
Notional Asset LiabilityReported In
AmountDerivatives DerivativesEarnings (Loss)
(In Millions)
At or For the Year Ended December 31, 2014:
Freestanding derivatives:
Equity contracts:(1)
Options$307 $32 $6 $13
Net investment income (loss)13
Embedded derivatives:
MSO and IUL indexed features(3)--26 (13)
Balances, December 31, 2014$307 $32 $32 $-
At or For the Year Ended December 31, 2013:
Freestanding derivatives:
Equity contracts:(1)
Options$158 $20 $6 $8
Net investment income (loss)8
Embedded derivatives:
GMIB reinsurance contracts (2)---(7)
MSO and IUL indexed features(3)--14 (8)
Balances, December 31, 2013$158 $20 $20 $(7)

  • Reported in Other invested assets in MLOA’s balance sheets.
  • Reported in Other assets in MLOA’s balance sheets.
  • MSO and IUL are reported in Future policyholders’ benefits and other policyholders’ liabilities in the balance sheets.

Credit Risk

Although notional amount is the most commonly used measure of volume in the derivatives market, it is not used as a measure of credit risk. A derivative with positive fair value (a derivative asset) indicates existence of credit risk because the counterparty would owe money to MLOA if the contract were closed at the reporting date. Alternatively, a derivative contract with negative fair value (a derivative liability) indicates MLOA would owe money to the counterparty if the contract were closed at the reporting date. To reduce credit exposures in OTC derivative transactions MLOA generally enters into master agreements that provide for a netting of financial exposures with the counterparty and allow for collateral arrangements as further described below under “ISDA Master Agreements.” MLOA further controls and minimizes its counterparty exposure through a credit appraisal and approval process.

ISDA Master Agreements

Netting Provisions. The standardized “ISDA Master Agreement” under which MLOA conducts its OTC derivative transactions includes provisions for payment netting. In the normal course of business activities, if there is more than one derivative transaction with a single counterparty, MLOA will set-off the cash flows of those derivatives into a single amount to be exchanged in settlement of the resulting net payable or receivable with that counterparty. In the event of default, insolvency, or other similar event pre-defined under the ISDA Master Agreement that would result in termination of OTC derivatives transactions before their maturity, netting procedures would be applied to calculate a single net payable or receivable with the counterparty.

Collateral Arrangements. MLOA generally has executed a Credit Support Annex (“CSA”) under the ISDA Master Agreement it maintains with each of its OTC derivative counterparties that requires both posting and accepting collateral either in the form of cash or high-quality securities, such as U.S. Treasury securities or those issued by government agencies. These CSAs are bilateral agreements that require collateral postings by the party “out-of-the-money” or in a net derivative liability position. Various thresholds for the amount and timing of collateralization of net liability positions are applicable. Consequently, the credit exposure of MLOA’s OTC derivative contracts is limited to the net positive estimated fair value of those contracts at the reporting date after taking into consideration the existence of netting agreements and any collateral received pursuant to CSAs. Derivatives are recognized at fair value in the consolidated balance sheets and are reported either as assets in Other invested assets or as liabilities in Other liabilities, except for embedded insurance-related derivatives as described above and derivatives transacted with a related counterparty. MLOA nets the fair value of all derivative financial instruments with counterparties for which an ISDA Master Agreement and related CSA have been executed.

At December 31, 2014 and 2013, respectively, MLOA held $26 million and $12 million in cash and securities collateral delivered by trade counterparties, representing the fair value of the related derivative agreements. This unrestricted cash collateral is reported in Cash and cash equivalents, and the obligation to return it is reported in Other liabilities in the balance sheets. The aggregate fair value of all collateralized derivative transactions that were in a liability position at December 31, 2014 and 2013 was not material.

The following table presents information about MLOA’s offsetting of financial assets and liabilities and derivative instruments at December 31, 2014.

Offsetting of Financial Assets and Liabilities and Derivative Instruments
At December 31, 2014
Gross
GrossAmountsNet Amounts
AmountsOffset in thePresented in the
RecognizedBalance SheetsBalance Sheets
(In Millions)
ASSETS
Description
Derivatives:
Equity contracts$32 $6 $26
Total Derivatives, subject to an ISDA Master Agreement(1)32 6 26
Other financial instruments64 -64
Other invested assets$96 $6 $90
LIABILITIES
Description
Derivatives:
Equity contracts$6 $6 $-
Total Derivatives, subject to an ISDA Master Agreement(1)6 6 -
Other financial liabilities63 -63
Other liabilities$69 $6 $63

There were no derivatives not subject to ISDA Master Agreements at December 31, 2014.

The following table presents information about MLOA’s gross collateral amounts that are not offset in the balance sheets at December 31, 2014.

Gross Collateral Amounts Not Offset in the Balance Sheets
At December 31, 2014
Net AmountsCollateral (Received)/Held
Presented in theFinancialNet
Balance SheetsInstrumentsCashAmounts
(In Millions)
ASSETS
Counterparty A$5 $-$(5)$-
Counterparty F1 -(1)-
Counterparty G3 -(3)-
Counterparty H6 (6)--
Counterparty K6 -(6)-
Counterparty L4 -(4)-
Counterparty T1 -(1)-
Total Derivatives$26 $(6)$(20)$-
Other financial assets64 --64
Other invested assets$90 $(6)$(20)$64

The following table presents information about MLOA’s offsetting of financial assets and liabilities and derivative instruments at 2013.

Offsetting of Financial Assets and Liabilities and Derivative Instruments
At December 31, 2013
Gross
GrossAmountsNet Amounts
AmountsOffset in thePresented in the
RecognizedBalance SheetsBalance Sheets
(In Millions)
ASSETS
Description
Derivatives:
Equity contracts$20 $6 $14
Total Derivatives, subject to an ISDA Master Agreement(1)20 6 14
Other financial instruments70 -70
Other invested assets$90 $6 $84
LIABILITIES
Description
Derivatives:
Equity contracts$6 $6 $-
Total Derivatives, subject to an ISDA Master Agreement(1)6 6 -
Other financial liabilities83 -83
Other liabilities$89 $6 $83

There were no derivatives not subject to ISDA Master Agreements at December 31, 2013.

The following table presents information about MLOA’s gross collateral amounts that are not offset in the balance sheets at December 31, 2013.

Gross Collateral Amounts Not Offset in the Balance Sheets
At December 31, 2013
Net AmountsCollateral (Received)/Held
Presented in theFinancialNet
Balance SheetsInstrumentsCashAmounts
(In Millions)
ASSETS
Counterparty A$6 $-$(6)$-
Counterparty H1 --1
Counterparty K2 -(2)-
Counterparty L4 -(4)-
Total Derivatives$13 $-$(12)$1
Other financial assets71 --71
Other invested assets$84 $-$(12)$72

Net Investment Income (Loss)

The following table breaks out Net investment income (loss) by asset category:

201420132012
(In Millions)
Fixed maturities$36 $79 $97
Mortgage loans on real estate2 2 9
Policy loans1 6 8
Derivative instruments13 8 -
Gross investment income (loss) 52 95 114
Investment expenses(2)(3)(4)
Net Investment Income (Loss) $50 $92 $110

For 2014 and 2013, net investment income (loss) from derivatives included $8 million and $2 million of realized gains (losses) on contracts closed during those periods and $5 million and $6 million of unrealized gains (losses) on derivative positions at year end.

Investment Gains (Losses), Net

Investment gains (losses), net including changes in the valuation allowances and OTTI are as follows:

201420132012
(In Millions)
Fixed maturities$(10)$67 $(5)
Impact of (repurchase) issuance of AllianceBernstein Units--(2)
Mortgage loans on real estate4 1 2
Investment Gains (Losses), Net$(6)$68 $(5)
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FAIR VALUE DISCLOSURES (TABLES)
 12 Months Ended
Dec. 31, 2014
Fair Value Disclosures Tables [Abstract]  
Fair Value By Balance Sheet Grouping Text Block
Fair Value Measurements
Level 1Level 2Level 3Total
(In Millions)
December 31, 2014
Assets:
Investments:
Fixed maturity Securities, available-for-sale:
Corporate$-$793 $8 $801
U.S. Treasury, government and agency-27 -27
States and political subdivisions-6 -6
Commercial mortgage-backed--26 26
Redeemable preferred stock10 8 -18
Subtotal10 834 34 878
Other equity investments1 --1
Options-26 -26
Cash equivalents42 --42
Separate Accounts' assets1,794 15 -1,809
Total Assets$1,847 $875 $34 $2,756
Liabilities:
MSO and IUL indexed features’ liability$-$26 $-$26
Total Liabilities$-$26 $-$26
December 31, 2013
Assets:
Investments:
Fixed maturity Securities, available-for-sale:
Corporate$-$624 $9 $633
U.S. Treasury, government and agency-34 -34
States and political subdivisions-6 -6
Foreign governments----
Commercial mortgage-backed--24 24
Redeemable preferred stock8 8 -16
Subtotal8 672 33 713
Other equity investments1 --1
Options-14 -14
Cash equivalents127 --127
GMIB reinsurance contracts----
Separate Accounts' assets1,823 15 -1,838
Total Assets$1,959 $701 $33 $2,693
Liabilities:
MSO and IUL indexed features’ liability$-$14 $-$14
Total Liabilities$-$14 $-$14
Fair Value Assets Measured On Recurring Basis Unobservable Input Reconciliation Text Block
Level 3 Instruments
Fair Value Measurements
CommercialGMIB
Mortgage-Asset-Reinsurance
CorporatebackedbackedContracts
(In Millions)
Balance, January 1, 2014$9 $24 $-$-
Total gains (losses), realized and unrealized, included in:
Earnings (loss) as:
Investment gains (losses), net(1)(11)--
Other comprehensive income (loss)1 13 --
Sales(1)---
Balance, December 31, 2014$8 $26 $-$-
Balance, January 1, 2013$35 $35 $6 $7
Total gains (losses), realized and unrealized included in:
Earnings (loss) as:
Investment gains (losses), net2 (9)2 -
Increase (decrease) in the fair value of
reinsurance contracts---(7)
Other comprehensive income (loss)(2)(1)(2)-
Sales(26)(1)(6)-
Balance, December 31, 2013$9 $24 $-$-
Balance, January 1, 2012$34 $29 $5 $9
Total gains (losses), realized and unrealized included in:
Earnings (loss) as:
Investment gains (losses), net1 (7)--
Increase (decrease) in the fair value of
reinsurance contracts---(2)
Other comprehensive income (loss)-13 1 -
Sales(3)---
Transfers into Level 3(1)3 ---
Balance, December 31, 2012$35 $35 $6 $7
Fair Value Assets Unrealized Gains Losses By Category For Level 3 Assets And Liabilities Still Held [Table Text Block]
OCI
(In Millions)
Level 3 Instruments
Full Year 2014
Still Held at December 31, 2014:
Change in unrealized gains (losses):
Fixed maturity securities, available-for-sale:
Corporate$1
Commercial mortgage-backed12
Total$13
Level 3 Instruments
Full Year 2013
Still Held at December 31, 2013:
Change in unrealized gains (losses):
Fixed maturity securities, available-for-sale:
Commercial mortgage-backed$(2)
Total$(2)
Fair Value Disclosure Financial Instruments Not Carried At Fair Value [Table Text Block]
CarryingFair Value
ValueLevel 1Level 2Level 3Total
(In Millions)
December 31, 2014
Policyholders liabilities: Investment contracts$6 $-$-$6 $6
Policy Loans 151 - - 184 184
December 31, 2013
Mortgage loans on real estate$28 $-$-$28 $28
Policyholders liabilities: Investment contracts193 --196 196
Policy Loans142 --174 174
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ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Accumulated Other Comprehensive Income Loss [Abstract]      
Unrealized Gain (Loss) on Investments $ 17mloa_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1 $ 8mloa_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1 $ 82mloa_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1
Accumulated other comprehensive income (loss) 17us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 8us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 82us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Unrealized Gain Loss On Investments [Abstract]      
Net unrealized gains (losses) arising during the year 11us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax (58)us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax 28us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
(Gains) losses reclassified into net earnings (loss) during the year 7mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome (44)mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome 3mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome
Net unrealized gains (losses) on investments 18us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax (102)us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax 31us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
Adjustments for DAC and VOBA (9)mloa_AdjustmentsForDacAndVoba 28mloa_AdjustmentsForDacAndVoba (4)mloa_AdjustmentsForDacAndVoba
Total other comprehensive income (loss), net of income taxes 9us-gaap_OtherComprehensiveIncomeLossNetOfTax (74)us-gaap_OtherComprehensiveIncomeLossNetOfTax 27us-gaap_OtherComprehensiveIncomeLossNetOfTax
Other Comprehensive Income (Loss), Tax, Parenthetical Disclosures [Abstract]      
Other Comprehensive Income (Loss), Available-for-sale Securities, Tax 5us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax (40)us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax 15us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax
Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Available for sale securities, Tax $ (6)mloa_OtherComprehensiveIncomeReclassificationAdjustmentFromAociForSaleOfSecuritiesAndForWriteDownOfSecuritiesTax $ 24mloa_OtherComprehensiveIncomeReclassificationAdjustmentFromAociForSaleOfSecuritiesAndForWriteDownOfSecuritiesTax $ (2)mloa_OtherComprehensiveIncomeReclassificationAdjustmentFromAociForSaleOfSecuritiesAndForWriteDownOfSecuritiesTax
XML 20 R18.htm IDEA: XBRL DOCUMENT v2.4.1.9
LITIGATION
 12 Months Ended
Dec. 31, 2014
Litigation [Abstract]  
LITIGATION

11) LITIGATION

MLOA is involved in various legal actions and proceedings in connection with its business. Some of the actions and proceedings have been brought on behalf of various alleged classes of claimants and certain of these claimants seek damages of unspecified amounts. While the ultimate outcome of such matters cannot be predicted with certainty, in the opinion of management no such matter is likely to have a material adverse effect on MLOA’s financial position or results of operations. However, it should be noted that the frequency of large damage awards, including large punitive damage awards that bear little or no relation to actual economic damages incurred by plaintiffs in some jurisdictions, continues to create the potential for an unpredictable judgment in any given matter.
XML 21 R48.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUE DISCLOSURES (DETAILS 3) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Fair Value Measurements Not Included In Quantitative Information About Level 3 Fair Value Measurements $ 34mloa_FairValueMeasurementsNotIncludedInQuantitativeInformationAboutLevel3FairValueMeasurements $ 33mloa_FairValueMeasurementsNotIncludedInQuantitativeInformationAboutLevel3FairValueMeasurements
XML 22 R57.htm IDEA: XBRL DOCUMENT v2.4.1.9
STATUTORY FINANCIAL INFORMATION (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Statutory Financial Information [Abstract]      
Statutory net income (loss) $ 12us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount $ 34us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount $ 33us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount
Statutory surplus, capital stock and Asset Valuation Reserve 401mloa_StatutoryAccountingPracticesStatutoryCapitalSurplusBalanceAndAssetValuationReserve 367mloa_StatutoryAccountingPracticesStatutoryCapitalSurplusBalanceAndAssetValuationReserve  
Securities on deposit with such government or state agencies 6us-gaap_AssetsHeldByInsuranceRegulators    
Return of surplus $ 0mloa_PaymentOfReturnOfCapital $ 200mloa_PaymentOfReturnOfCapital $ 0mloa_PaymentOfReturnOfCapital
XML 23 R38.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (Equity) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Equity Method Investment, Summarized Financial Information [Abstract]      
Total Assets $ 7,378us-gaap_EquityMethodInvestmentSummarizedFinancialInformationAssets $ 7,386us-gaap_EquityMethodInvestmentSummarizedFinancialInformationAssets  
Total Liabilities 3,246us-gaap_EquityMethodInvestmentSummarizedFinancialInformationLiabilities 3,316us-gaap_EquityMethodInvestmentSummarizedFinancialInformationLiabilities  
Redeemable non-controlling interest 17us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount 0us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount  
Total Partner's Capital 4,116us-gaap_EquityMethodInvestmentSummarizedFinancialInformationEquityOrCapital 4,070us-gaap_EquityMethodInvestmentSummarizedFinancialInformationEquityOrCapital  
Total Liabilities and Partners' Capital 7,379us-gaap_EquityMethodInvestmentSummarizedFinancialInformationLiabilitiesAndEquity 7,386us-gaap_EquityMethodInvestmentSummarizedFinancialInformationLiabilitiesAndEquity  
MLOA's Equity investment in AllianceBernstein 63us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue 70us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue 69us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
Statement of Earnings (Loss) [Abstract]      
Total Revenues 3,005us-gaap_EquityMethodInvestmentSummarizedFinancialInformationRevenue 2,915us-gaap_EquityMethodInvestmentSummarizedFinancialInformationRevenue 2,737us-gaap_EquityMethodInvestmentSummarizedFinancialInformationRevenue
Total Expenses 2,397us-gaap_EquityMethodInvestmentSummarizedFinancialInformationCostOfSales 2,351us-gaap_EquityMethodInvestmentSummarizedFinancialInformationCostOfSales 2,534us-gaap_EquityMethodInvestmentSummarizedFinancialInformationCostOfSales
Net Earnings (Loss) 570us-gaap_EquityMethodInvestmentSummarizedFinancialInformationNetIncomeLoss 518us-gaap_EquityMethodInvestmentSummarizedFinancialInformationNetIncomeLoss 189us-gaap_EquityMethodInvestmentSummarizedFinancialInformationNetIncomeLoss
MLOA's Equity in earnings (loss) of AllianceBernstein 1us-gaap_IncomeLossFromEquityMethodInvestments 5us-gaap_IncomeLossFromEquityMethodInvestments 2us-gaap_IncomeLossFromEquityMethodInvestments
Investments, Debt and Equity Securities [Abstract]      
Equity investments carrying value 0us-gaap_EquityMethodInvestmentAggregateCost 1us-gaap_EquityMethodInvestmentAggregateCost  
Investments units in Alliance Bernstein 2.6us-gaap_InvestmentsInAndAdvancesToAffiliatesBalanceShares    
Investments in and Advances to Affiliates, at Fair Value [Roll Forward]      
Balance, beginning 70us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue 69us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue  
Equity in earnings (loss) of AllianceBernstein 1us-gaap_IncomeLossFromEquityMethodInvestments 5us-gaap_IncomeLossFromEquityMethodInvestments 2us-gaap_IncomeLossFromEquityMethodInvestments
Dividends received (5)us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValueGrossReductions (4)us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValueGrossReductions  
Other (3)us-gaap_InvestmentsInAndAdvancesToAffiliatesDividendOrInterestOther    
Balance, ending $ 63us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue $ 70us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue $ 69us-gaap_InvestmentsInAndAdvancesToAffiliatesAtFairValue
XML 24 R27.htm IDEA: XBRL DOCUMENT v2.4.1.9
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (TABLES)
 12 Months Ended
Dec. 31, 2014
Comprehensive Income Note Tables [Abstract]  
Schedule Of Accumulated Other Comprehensive Income Loss [Table Text Block]
December 31,
201420132012
(In Millions)
Unrealized gains (losses) on investments, net of adjustments$17 $8 $82
Total Accumulated Other Comprehensive Income (Loss)$17 $8 $82
Schedule Of Comprehensive Income Loss [Table Text Block]
December 31,
201420132012
(In Millions)
Change in net unrealized gains (losses) on investments:
Net unrealized gains (losses) arising during the year$11 $(58)$28
(Gains) losses reclassified into net earnings (loss) during the year(1)7 (44)3
Change in net unrealized gains (losses) on investments18 (102)31
Adjustments for DAC, VOBA and Other(9)28 (4)
Other Comprehensive Income (Loss), net of adjustments and (net of deferred
income tax expense (benefit) of $(5) million, $40 million and $(15) million$9 $(74)$27
XML 25 R26.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES (TABLES)
 12 Months Ended
Dec. 31, 2014
Income Tax Tables [Abstract]  
Summary Of Income Tax Expense Benefit [Table Text Block]
201420132012
(In Millions)
Income tax (expense) benefit:
Current (expense) benefit$(3)$(90)$(4)
Deferred (expense) benefit8 74 (2)
Total$5 $(16)$(6)
Schedule Of Components Of Income Tax Expense Benefit [Table Text Block]
201420132012
(In Millions)
Expected income tax (expense) benefit$4 $(15)$(15)
Dividends received deduction1 1 2
Tax settlement--9
Prior year adjustment-(2)-
Other--(2)
Income Tax (Expense) Benefit$5 $(16)$(6)
Schedule Of Deferred Tax Assets And Liabilities [Table Text Block]
December 31, 2014December 31, 2013
AssetsLiabilitiesAssetsLiabilities
(In Millions)
Reserves and reinsurance$105 $-$77 $-
DAC-78 -56
VOBA-3 -6
Investments-18 -13
Goodwill and other intangible assets-9 -9
Other-8 -7
Total$105 $116 $77 $91
Unrecognized Tax Benefits Reconciliation [Table Text Block]
201420132012
(In Millions)
Balance, beginning of year$5 $4 $17
Additions for tax positions of prior years1 1 1
Reductions for tax positions of prior years--(2)
Settlements with tax authorities--(12)
Balance, End of Year$6 $5 $4
XML 26 R46.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUE DISCLOSURES (DETAILS 1) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure $ 878us-gaap_AvailableForSaleSecurities $ 713us-gaap_AvailableForSaleSecurities
Public Fixed Maturities [Member]    
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 661us-gaap_AvailableForSaleSecurities
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Percentage Of Available For Sale Fixed Maturity Assets Measured At Fair Value On Recurring Basis 24.00%mloa_PercentageOfAvailableForSaleFixedMaturityAssetsMeasuredAtFairValueOnRecurringBasis
/ mloa_FixedMaturitiesByTypeAxis
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Private Fixed Maturities [Member]    
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 217us-gaap_AvailableForSaleSecurities
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= mloa_PrivateFixedMaturitiesMember		 157us-gaap_AvailableForSaleSecurities
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Percentage Of Available For Sale Fixed Maturity Assets Measured At Fair Value On Recurring Basis 7.90%mloa_PercentageOfAvailableForSaleFixedMaturityAssetsMeasuredAtFairValueOnRecurringBasis
/ mloa_FixedMaturitiesByTypeAxis
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Fair Value Inputs Level 1 [Member]    
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 10us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member		 8us-gaap_AvailableForSaleSecurities
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Percentage of Assets Measured at Fair Value on Recurring Basis 67.00%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
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= us-gaap_FairValueInputsLevel1Member		 72.80%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
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Fair Value Inputs Level 2 [Member]    
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 834us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member		 672us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Percentage of Assets Measured at Fair Value on Recurring Basis 31.70%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member		 26.00%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
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Fair Value Inputs Level 3 [Member]    
Fair Value Financial Instruments [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 34us-gaap_AvailableForSaleSecurities
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= us-gaap_FairValueInputsLevel3Member		 33us-gaap_AvailableForSaleSecurities
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Percentage of Assets Measured at Fair Value on Recurring Basis 1.20%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
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= us-gaap_FairValueInputsLevel3Member		 1.20%mloa_PercentageOfAssetsMeasuredAtFairValueOnRecurringBasisByInputsLevel
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Mortgage- and Asset-backed Securities 26us-gaap_FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue
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= us-gaap_FairValueInputsLevel3Member		 24us-gaap_FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue
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Fair Value Disclosures Broker Priced   $ 0mloa_FairValueDisclosuresBrokerPriced
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XML 27 R34.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (NET UNREALIZED INVESTMENTS (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Net Unrealized Investment Gains Losses Recognized In Aoci Roll Forward [Abstract]      
Net unrealized gains (losses) arising during the year $ 11us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax $ (58)us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax $ 28us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax 7mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome (44)mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome 3mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome
Net Unrealized Gains Losses On Investmetns [Member] | Unrealized Investment Gains Losses With Otti Losses [Member]      
Net Unrealized Investment Gains Losses Recognized In Aoci Roll Forward [Abstract]      
Balance, beginning of year (4)us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
/ mloa_NetUnrealizedInvestmentGainsLossesAxis
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Net unrealized gains (losses) arising during the year 0us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
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Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax 3mloa_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesAndForWriteDownOfSecuritiesIncludedInNetIncome
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Net Unrealized Gains Losses On Investmetns [Member] | Unrealized Investment Gains Losses All Other [Member]      
Net Unrealized Investment Gains Losses Recognized In Aoci Roll Forward [Abstract]      
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Net Unrealized Investment Gains Losses Recognized In Aoci Roll Forward [Abstract]      
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XML 28 R40.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (offsetting) (DETAILS) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets $ 90mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition $ 84mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
Equity Contract [Member]    
Offsetting Assets [Line Items]    
Gross amounts recognized 32us-gaap_DerivativeFairValueOfDerivativeAsset
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Derivatives Subject to an ISDA Master Agreements [Member]    
Offsetting Assets [Line Items]    
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Offsetting Assets [Line Items]    
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Offsetting Assets [Line Items]    
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Net amounts presented in the balance sheets $ 90mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
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XML 29 R49.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUE DISCLOSURES (DETAILS 4) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Financial Instruments [Abstract]    
Mortgage loans on real estate $ 0us-gaap_MortgageLoansOnRealEstate $ 28us-gaap_MortgageLoansOnRealEstate
Policyholders' liabilities: Investment contracts 1,919us-gaap_PolicyholderContractDeposits 1,777us-gaap_PolicyholderContractDeposits
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Financial Instruments [Abstract]    
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Portion at Fair Value, Fair Value Disclosure [Member] | Fair Value Inputs Level 3 [Member]    
Financial Instruments [Abstract]    
Mortgage loans on real estate   28us-gaap_MortgageLoansOnRealEstate
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Policy Loans $ 184us-gaap_LoansInsurancePolicy
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SIGNIFICANT ACCOUNTING POLICIES - Liability for Future Policy Benefit (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Separate Accounts Disclosure [Abstract]      
Gain (Loss) Recognized on Assets Transferred to Separate Account $ 24us-gaap_GainLossRecognizedOnAssetsTransferredToSeparateAccount $ 256us-gaap_GainLossRecognizedOnAssetsTransferredToSeparateAccount $ 196us-gaap_GainLossRecognizedOnAssetsTransferredToSeparateAccount
XML 31 R43.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (Net Invesmtent Income) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Schedule Of Investment Income Reported Amounts By Category [Line Items]      
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Gain (Loss) on Investments (6)us-gaap_GainLossOnInvestments 68us-gaap_GainLossOnInvestments (5)us-gaap_GainLossOnInvestments
Fixed Maturities [Member]      
Schedule Of Investment Income Reported Amounts By Category [Line Items]      
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XML 32 R25.htm IDEA: XBRL DOCUMENT v2.4.1.9
REINSURANCE (TABLES)
 12 Months Ended
Dec. 31, 2014
Reinsurance Disclosures Tables [Abstract]  
Schedule Of Effect Of Reinsurance [Table Text Block]
201420132012
(In Millions)
Direct premiums$46 $72 $56
Assumed1 1 2
Reinsurance ceded(46)(48)(26)
Premiums$1 $25 $32
Variable Life and Investment-type Product Policy Fee Income Ceded$48 $31 $29
Policyholders' Benefits Ceded$291 $125 $84
XML 33 R6.htm IDEA: XBRL DOCUMENT v2.4.1.9
STATEMENTS OF EQUITY (USD $)
In Millions
Total
Total Shareholders Equity [Member]
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained earnings [Member]
Accumulated other comprehensive income (loss) [Member]
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XML 34 R8.htm IDEA: XBRL DOCUMENT v2.4.1.9
ORGANIZATION
 12 Months Ended
Dec. 31, 2014
Organization [Abstract]  
ORGANIZATION

1) ORGANIZATION

MONY Life Insurance Company of America (“MLOA”) is an Arizona stock life insurance company. MLOA’s primary business is providing life insurance products to both individuals and businesses. Effective October 1, 2013, MLOA is a wholly-owned subsidiary of AXA Equitable Financial Services, LLC (“AEFS”). AEFS is a direct wholly owned subsidiary of AXA Financial, Inc. (“AXA Financial” and together with its consolidated subsidiaries “AXA Financial Group”). AXA Financial is an indirect wholly owned subsidiary of AXA, a French holding company for an international group of insurance and related financial services companies.

On October 1, 2013, AXA Financial and AEFS completed the sale of the stock of MONY Life Insurance Company (“MONY Life”) and the reinsurance of an in-force book of life insurance and annuity policies written primarily prior to 2004 by MLOA to Protective Life Insurance Company (“Protective Life”). Prior to the close, MONY Life’s subsidiaries, including MLOA, were distributed to AEFS. MLOA transferred and ceded assets to Protective Life equal to $1,308 million, net of ceding commission of $370 million for consideration of the transfer of liabilities amounting to $1,374 million in connection with the reinsurance agreement. As a result of the reinsurance agreement MLOA recorded a deferred cost of reinsurance asset amounting to $95 million which is amortized over the life of the underlying reinsured policies. Refer to the table below for a detailed description of assets and liabilities transferred, ceded and written off as a result of the reinsurance agreement with Protective Life on October 1, 2013. In 2014, MLOA recorded an out of period adjustment which reduced the deferred cost of reinsurance asset by $12 million. For additional information on this adjustment, see Note 2. Amortization of the deferred cost of reinsurance asset in 2014 and 2013 was $8 million and $4 million, respectively.

Calculation of deferred cost of reinsurance
October 1, 2013
(In Millions)
Transferred or Ceded Assets (Net of Ceding Commission):
Fixed Maturities$ 1,102
Cash 74
Policy loans 132
Total assets transferred or ceded (Net of Ceding Commission)$ 1,308
Transferred Liabilities:
Future policyholder benefits and other policyholders liabilities$ 1,334
Amounts due to reinsurer 40
Total liabilities transferred$ 1,374
Accelerated Amortization of Assets and Liabilities As Part of the Reinsurance Agreement:
Value of business acquired$ 117
Deferred policy acquisition costs 71
Initial Fee Liability (27)
Net accelerated amortization of assets and liabilities$ 161
Deferred Cost of Reinsurance$ 95
XML 35 R11.htm IDEA: XBRL DOCUMENT v2.4.1.9
VALUE OF BUSINESS ACQUIRED
 12 Months Ended
Dec. 31, 2014
Value Of Business Acquired [Abstract]  
Value Of Business Acquired

4) VALUE OF BUSINESS ACQUIRED

The following table presents MLOA’s VOBA asset at December 31, 2014 and 2013:

GrossAccumulated
CarryingAmortization
Amountand OtherNet
(In Millions)
VOBA
December 31, 2014$416 $(409)(1)$7
December 31, 2013$416 $(398)(1)$18

Includes reactivity to unrealized investment gains (losses) and $117 million of accelerated VOBA amortization resulting from the reinsurance agreement with Protective Life which is included in the deferred cost of reinsurance.

For 2014, 2013 and 2012, amortization (negative amortization) expense related to VOBA was $10 million, $11 million and $(13) million, respectively. VOBA amortization is estimated to range between $0 million and $1 million annually through 2019.
XML 36 R9.htm IDEA: XBRL DOCUMENT v2.4.1.9
SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2014
Significant Accounting Policies [Abstract]  
SIGNIFICANT ACCOUNTING POLICIES

2) SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from these estimates. The accompanying financial statements reflect all adjustments necessary in the opinion of management for a fair presentation of the financial position of MLOA and its results of operations and cash flows for the periods presented.

The years “2014”, “2013” and “2012” refer to the years ended December 31, 2014, 2013 and 2012, respectively. Certain reclassifications have been made in the amounts presented for prior periods to conform those periods to the current presentation.

Adoption of New Accounting Pronouncements

In July 2013, the FASB issued new guidance on the presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. This guidance was effective for interim and annual periods beginning after December 15, 2013. Implementation of this guidance did not have a material impact on MLOA’s financial statements.

In February 2013, the Financial Accounting Standards Board (“FASB”) issued new guidance to improve the reporting of reclassifications out of accumulated other comprehensive income (loss) (“AOCI”). The guidance requires disclosure of reclassification information either in the notes or the face of the financial statements provided the information is presented in one location. This guidance was effective for interim and annual periods beginning after December 31, 2012. Implementation of this guidance did not have a material impact on MLOA’s financial statements. These new disclosures have been included in the Notes to MLOA’s financial statements, as appropriate.

Future Adoption of New Accounting Pronouncements

In February 2015, the FASB issued a new consolidation standard that makes targeted amendments to the VIE assessment, including guidance specific to limited partnerships and similar entities, and ends the deferral granted to investment companies for applying the VIE guidance. The new standard is effective for annual periods, beginning after December 15, 2015, but may be early-adopted in any interim period. Management currently is evaluating the impacts this guidance may have on the MLOA’s financial statements.

In August 2014, the FASB issued new guidance which requires management to evaluate whether there is “substantial doubt” about the reporting entity’s ability to continue as a going concern and provide related footnote disclosures about those uncertainties, if they exist. The new guidance is effective for annual periods, ending after December 15, 2016 and interim periods thereafter. Management does not expect implementation of this guidance will have a material impact on MLOA’s financial statements.

Investments

The carrying values of fixed maturities classified as available-for-sale (“AFS”) are reported at fair value. Changes in fair value are reported in comprehensive income. The amortized cost of fixed maturities is adjusted for impairments in value deemed to be other than temporary which are recognized in Investment gains (losses), net. The redeemable preferred stock investments that are reported in fixed maturities include real estate investment trusts (“REIT”), perpetual preferred stock and redeemable preferred stock. These securities may not have a stated maturity, may not be cumulative and do not provide for mandatory redemption by the issuer.

MLOA determines the fair values of fixed maturities and equity securities based upon quoted prices in active markets, when available, or through the use of alternative approaches when market quotes are not readily accessible or available. These alternative approaches include matrix or model pricing and use of independent pricing services, each supported by reference to principal market trades or other observable market assumptions for similar securities. More specifically, the matrix pricing approach to fair value is a discounted cash flow methodology that incorporates market interest rates commensurate with the credit quality and duration of the investment.

MLOA’s management, with the assistance of its investment advisors, monitors the investment performance of its portfolio and reviews AFS securities with unrealized losses for other-than-temporary impairments (“OTTI”). Integral to this review is an assessment made each quarter, on a security-by-security basis, by the Investments Under Surveillance (“IUS”) Committee, of various indicators of credit deterioration to determine whether the investment security is expected to recover. This assessment includes, but is not limited to, consideration of the duration and severity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued viability of the issuer and, for equity securities only, the intent and ability to hold the investment until recovery, and results in identification of specific securities for which OTTI is recognized.

If there is no intent to sell or likely requirement to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings (loss) and the remainder of the fair value loss is recognized in OCI. The amount of credit loss is the shortfall of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management’s best estimate of projected future cash flows at the effective interest rate implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of management judgment and consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments and underlying collateral value.

Real estate held for the production of income, including real estate acquired in satisfaction of debt, is stated at depreciated cost less valuation allowances. At the date of foreclosure (including in-substance foreclosure), real estate acquired in satisfaction of debt is valued at estimated fair value. Impaired real estate is written down to fair value with the impairment loss being included in Investment gains (losses), net.

Depreciation of real estate held for production of income is computed using the straight-line method over the estimated useful lives of the properties, which generally range from 40 to 50 years.

Policy loans are stated at unpaid principal balances.

Equity securities, which include common stock and non-redeemable preferred stock classified as AFS securities, are carried at fair value and are included in Other invested assets with changes in fair value reported in OCI.

Units in AllianceBernstein L.P. (“AllianceBernstein”), a subsidiary of AXA Financial, are carried on the equity method and reported in Other invested assets.

Short-term investments are reported at amortized cost that approximates fair value and are included in Other invested assets.

Cash and cash equivalents includes cash on hand, amounts due from banks and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the recorded value is deemed to approximate fair value.

All securities owned, including United States government and agency securities and mortgage-backed securities, are reported in the financial statements on a trade date basis.

Derivatives

Derivatives are financial instruments whose values are derived from interest rates, foreign exchange rates, financial indices, values of securities or commodities, credit spreads, market volatility, expected returns, and liquidity. Values can also be affected by changes in estimates and assumptions, including those related to counterparty behavior and non-performance risk used in valuation models. Derivative financial instruments generally used by MLOA include equity options and may be exchange-traded or contracted in the over-the-counter market. All derivative positions are carried in the balance sheets at fair value, generally by obtaining quoted market prices or through the use of valuation models.

Freestanding derivative contracts are reported in the balance sheets either as assets within “Other invested assets” or as liabilities within “Other liabilities.” MLOA nets the fair value of all derivative financial instruments with counterparties for which a standardized “ISDA Master Agreement” and related Credit Support Annex (“CSA”) have been executed. MLOA uses derivatives to manage asset/liability risk but has not designated those economic relationships under the criteria to qualify for hedge accounting treatment. All changes in the fair value of MLOA freestanding derivative positions, including net receipts and payments, are included in “Investment income (loss) from derivative instruments” without considering changes in the fair value of the economically associated assets or liabilities.

MLOA is a party to financial instruments and other contracts that contain “embedded” derivative instruments. At inception, MLOA assesses whether the economic characteristics of the embedded instrument are “clearly and closely related” to the economic characteristics of the remaining component of the “host contract” and whether a separate instrument with the same terms as the embedded instrument would meet the definition of a derivative instrument. When those criteria are satisfied, the resulting embedded derivative is bifurcated from the host contract, carried in the balance sheets at fair value, and changes in its fair value are recognized immediately and captioned in the statements of earnings (loss) according to the nature of the related host contract. For certain financial instruments that contain an embedded derivative that otherwise would need to be bifurcated and reported at fair value, the Company instead may elect to carry the entire instrument at fair value.

Mortgage Loans on Real Estate (“mortgage loans”):

Mortgage loans are stated at unpaid principal balances, net of unamortized discounts and valuation allowances. Valuation allowances are based on the present value of expected future cash flows discounted at the loan’s original effective interest rate or on its collateral value if the loan is collateral dependent. However, if foreclosure is or becomes probable, the collateral value measurement method is used.

For commercial and agricultural mortgage loans, an allowance for credit loss is typically recommended when management believes it is probable that principal and interest will not be collected according to the contractual terms. Factors that influence management’s judgment in determining allowance for credit losses include the following:

Loan-to-value ratio – Derived from current loan balance divided by the fair market value of the property.  An allowance for credit loss is typically recommended when the loan-to-value ratio is in excess of 100%.   In the case where the loan-to-value is in excess of 100%, the allowance for credit loss is derived by taking the difference between the fair market value (less cost of sale) and the current loan balance.

Debt service coverage ratio – Derived from actual net operating income divided by annual debt service.  If the ratio is below 1.0x, then the income from the property does not support the debt.

Occupancy – Criteria varies by property type but low or below market occupancy is an indicator of sub-par property performance.

Lease expirations – The percentage of leases expiring in the upcoming 12 to 36 months are monitored as a decline in rent and/or occupancy may negatively impact the debt service coverage ratio.  In the case of single-tenant properties or properties with large tenant exposure, the lease expiration is a material risk factor.

Maturity – Mortgage loans that are not fully amortizing and have upcoming maturities within the next 12 to 24 months are monitored in conjunction with the capital markets to determine the borrower’s ability to refinance the debt and/or pay off the balloon balance.

Borrower/tenant related issues – Financial concerns, potential bankruptcy, or words or actions that indicate imminent default or abandonment of property.

Payment status – current vs. delinquent – A history of delinquent payments may be a cause for concern.

Property condition – Significant deferred maintenance observed during lenders annual site inspections.

Other – Any other factors such as current economic conditions may call into question the performance of the loan.

Mortgage loans also are individually evaluated quarterly by the IUS Committee for impairment, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mortgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages are also identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to comply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property.

For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending process. The allowance includes loan specific reserves for mortgage loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contractual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on MLOA’s assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are recorded based on the present value of expected future cash flows discounted at the loan’s effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decrease from period to period based on such factors.

Impaired mortgage loans without provision for losses are mortgage loans where the fair value of the collateral or the net present value of the expected future cash flows related to the loan equals or exceeds the recorded investment. Interest income earned on mortgage loans where the collateral value is used to measure impairment is recorded on a cash basis. Interest income on mortgage loans where the present value method is used to measure impairment is accrued on the net carrying value amount of the loan at the interest rate used to discount the cash flows. Changes in the present value attributable to changes in the amount or timing of expected cash flows are reported as investment gains or losses.

Mortgage loans are placed on nonaccrual status once management believes the collection of accrued interest is doubtful. Once mortgage loans are classified as nonaccrual mortgage loans, interest income is recognized under the cash basis of accounting and the resumption of the interest accrual would commence only after all past due interest has been collected or the mortgage loan on real estate has been restructured to where the collection of interest is considered likely. At December 31, 2014 and 2013, the carrying values of commercial mortgage loans that had been classified as nonaccrual mortgage loans were $0 million and $6 million, respectively.

Troubled Debt Restructuring

When a loan modification is determined to be a troubled debt restructuring, the impairment of the loan is re-measured by discounting the expected cash flows to be received based on the modified terms using the loan’s original effective yield, and the allowance for loss is adjusted accordingly. Subsequent to the modification, income is recognized prospectively based on the modified terms of the mortgage loans. Additionally, the loan continues to be subject to the credit review process noted above.

Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses)

Realized investment gains (losses) are determined by identification with the specific asset and are presented as a component of revenue. Changes in the valuation allowances are included in Investment gains (losses), net.

Unrealized investment gains (losses) on fixed maturities and equity securities designated as AFS held by MLOA are accounted for as a separate component of AOCI, net of related deferred income taxes and amounts attributable to DAC and value of business acquired (“VOBA”) related to variable life and investment-type products.

Changes in unrealized gains (losses) reflect changes in fair value of only those fixed maturities classified as AFS and do not reflect any changes in fair value of policyholders’ account balances and future policy benefits.

Fair Value of Financial Instruments

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance established a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:

Level 1 Unadjusted quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.

Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.

Level 3 Unobservable inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity’s own assumptions about the cash flows or other significant components of value that market participants would use in pricing the asset or liability.

MLOA defines fair value as the unadjusted quoted market prices for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using present value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected future cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time MLOA’s entire holdings of a particular financial instrument, nor do they consider the tax impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.

Management is responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, MLOA often utilizes independent valuation service providers to gather, analyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuation model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-observable information, as applicable. Specific attributes of the security being valued also are considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific information. When insufficient market observable information is available upon which to measure fair value, MLOA either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ widely accepted internal valuation models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.

Recognition of Insurance Income and Related Expenses

Deposits related to variable life and investment-type contracts are reported as increase to policyholders’ account balances. Revenues from these contracts consist of fees assessed during the period against policyholders’ account balances for mortality charges, policy administration charges and surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policyholders’ account balances.

Premiums from non-participating traditional life and annuity policies with life contingencies generally are recognized in income when due. Benefits and expenses are matched with such income so as to result in the recognition of profits over the life of the contracts. This match is accomplished by means of the provision for liabilities for future policy benefits and the deferral and subsequent amortization of policy acquisition costs.

For contracts with a single premium or a limited number of premium payments due over a significantly shorter period than the total period over which benefits are provided, premiums are recorded as revenue when due with any excess profit deferred and recognized in income in a constant relationship to insurance in-force or, for annuities, the amount of expected future benefit payments.

DAC and VOBA

DAC. Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting incremental direct costs of contract acquisition with independent third parties or employees that are essential to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully negotiated contracts including commissions, underwriting, agency and policy issue expenses, are deferred. DAC is subject to recoverability testing at the time of policy issue and loss recognition testing at the end of each accounting period.

After the initial establishment of reserves, premium deficiency and loss recognition tests are performed each period end using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC would first be written off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings.

VOBA. VOBA, which arose from MLOA’s 2004 acquisition by AXA Financial, was established in accordance with purchase accounting guidance for business combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. VOBA is amortized over the expected life of the contracts (up to 50 years from the date of issue) according to the type of contract using the methods described below as applicable. VOBA is subject to loss recognition testing at the end of each accounting period.

Amortization Policy. For universal life (“UL”) and investment-type products, DAC and VOBA are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based on historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated assessments. The effect on the amortization of DAC and VOBA of revisions to estimated gross profits or assessments is reflected in earnings in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or assessments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losses) is recognized with an offset to AOCI in shareholders’ equity as of the balance sheet date.

A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account balances, increase the fees earned resulting in higher expected future gross profits and lower DAC and VOBA amortization for the period. The opposite occurs when returns are lower than expected.

In applying this approach to develop estimates of future returns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return estimate is measured from December 31, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At December 31, 2014, the average gross short-term and long-term annual return estimate on variable and interest-sensitive life insurance was 9.0% (7.00% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were 15.0% (13.00% net of product weighted average Separate Account fees) and 0.0% (-2.00% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in future periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions.

If actual market returns continue at levels that would result in assuming future market returns of 15.0% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in assumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At December 31, 2014, current projections of future average gross market returns assume a 0.0% annualized return for the next eight quarters, which is the minimum limitation, grading to a reversion to the mean of 9.0% in ten quarters.

In addition, projections of future mortality assumptions related to variable and interest-sensitive life products are based on a long-term average of actual experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, deterioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years.

Other significant assumptions underlying gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread.

Deferred Cost of or Gain on Reinsurance

The cost of or gain on reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying reinsured policies in accordance with the reinsurance agreement, net of the ceded commission received is deferred and amortized over the lives of the underlying policies.

Policyholders’ Account Balances and Future Policy Benefits

Policyholders’ account balances for variable life and investment-type contracts are equal to the policy account values. The policy account values represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals.

MLOA had issued certain variable annuity products with a guaranteed minimum death benefit (“GMDB”) feature. MLOA also had issued certain variable annuity products that contain a GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuity based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates. This minimum lifetime annuity is based on predetermined annuity purchase rates applied to a GMIB base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts using assumptions consistent with those used in estimating gross profits for purposes of amortizing DAC and VOBA. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expected average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. There can be no assurance that actual experience will be consistent with management’s estimates. MLOA’s variable annuity contracts with GMDB and GMIB features in-force that guarantee one of the following:

Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals);

Ratchet: the benefit is the greatest of current account value, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals);

Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals) accumulated at contractually specified interest rates up to specified ages; or

Combo: the benefit is the greater of the ratchet benefit or the roll-up benefit which may include a five-year or an annual reset.

In connection with the reinsurance agreement with Protective Life, MLOA has reinsured 100% of the risk associated with variable annuity products with GMDB and GMIB features.

For reinsurance contracts other than those covering GMIB exposure, reinsurance recoverable balances were calculated using methodologies and assumptions that are consistent with those used to calculate the direct liabilities.

For non-participating traditional life insurance policies, future policy benefit liabilities are estimated using a net level premium method on the basis of actuarial assumptions as to mortality, persistency and interest established at policy issue. Assumptions established at policy issue as to mortality and persistency are based on MLOA’s experience that, together with interest and expense assumptions, includes a margin for adverse deviation. Benefit liabilities for traditional annuities during the accumulation period are equal to accumulated contractholders’ fund balances and, after annuitization, are equal to the present value of expected future payments.

When the liabilities for future policy benefits plus the present value of expected future gross premiums for a product are insufficient to provide for expected future policy benefits and expenses for that product, DAC and VOBA are written off and thereafter, if required, a premium deficiency reserve is established by a charge to earnings.

Separate Accounts

Generally, Separate Accounts established under Arizona State Insurance Law are not chargeable with liabilities that arise from any other business of MLOA. Separate Accounts assets are subject to General Account claims only to the extent Separate Accounts assets exceed Separate Accounts liabilities. Assets and liabilities of the Separate Accounts represent the net deposits and accumulated net investment earnings (loss) less fees, held primarily for the benefit of contractholders, and for which MLOA does not bear the investment risk. Separate Accounts’ assets and liabilities are shown on separate lines in the balance sheets. Assets held in Separate Accounts are reported at quoted market values or, where quoted values are not readily available or accessible for these securities, their fair value measures most often are determined through the use of model pricing that effectively discounts prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security’s duration, also taking into consideration issuer-specific credit quality and liquidity. The assets and liabilities of two Separate Accounts are presented and accounted for as General Account assets and liabilities due to the fact that not all of the investment performance in those Separate Accounts is passed through to policyholders. Investment assets in these Separate Accounts principally consist of fixed maturities that are classified as AFS in the accompanying consolidated financial statements.

The investment results of Separate Accounts, including unrealized gains (losses), on which MLOA does not bear the investment risk are reflected directly in Separate Accounts liabilities and are not reported in revenues in the statements of earnings (loss). For 2014, 2013 and 2012, investment results of such Separate Accounts were gains (losses) of $24 million, $256 million and $196 million, respectively.

Deposits to Separate Accounts are reported as increases in Separate Accounts liabilities and are not reported in revenues. Mortality, policy administration and surrender charges on all policies including those funded by Separate Accounts are included in revenues.

MLOA reports the General Account’s interests in Separate Accounts as other invested assets in the balance sheets.

Other Accounting Policies

AXA Financial and certain of its consolidated subsidiaries and affiliates, including MLOA, file a consolidated Federal income tax return. MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabilities. Current Federal income taxes are charged or credited to operations based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.  Deferred income tax assets and liabilities are recognized based on the difference between financial statement carrying amounts and income tax bases of assets and liabilities using enacted income tax rates and laws. Valuation allowances are established when management determines, based on available information, that it is more likely than not that deferred tax assets will not be realized.

 

Under accounting for uncertainty in income taxes guidance, MLOA determines whether it is more likely than not that a tax position will be sustained upon examination by the appropriate taxing authorities before any part of the benefit can be recorded in the financial statements.  Tax positions are then measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement.

Out of Period Adjustments

In 2014, MLOA recorded an out-of-period adjustment in its financial statements related to an overstatement of shadow VOBA in shareholder’s equity, which subsequently resulted in an overstatement of the deferred cost of reinsurance asset. In addition in 2014, MLOA recorded an out-of- period adjustment related to the application of the equity method of accounting for its investment in AllianceBernstein. The impact of these out-of-period adjustments resulted in a $2 million decrease in Net earnings ($3 million before taxes) and an $8 million decrease to other comprehensive income in 2014. In 2013, MLOA recorded an out-of-period adjustment in its financial statements related to an understatement of the current and deferred tax liability. The net impact of this out-of-period adjustment increased Current and deferred income taxes and Income tax expense by $2 million in 2013. Management has evaluated the impact of all out of period corrections both individually and in the aggregate and concluded they are not material to any previously reported annual financial statements.
XML 37 R41.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (offsetting) (DETAILS1) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Equity Contract [Member]    
Offsetting Liabilities [Line Items]    
Gross amount recognized $ 6us-gaap_DerivativeAssetFairValueGrossLiability
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_EquityContractMember		 $ 6us-gaap_DerivativeAssetFairValueGrossLiability
/ us-gaap_DerivativeInstrumentRiskAxis
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Gross amounts offset in the balance sheets 6mloa_GrossAmountsOffsetInStatementOfFinancialPositionLiabilities
/ us-gaap_DerivativeInstrumentRiskAxis
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/ us-gaap_DerivativeInstrumentRiskAxis
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Derivatives Subject to an ISDA Master Agreements [Member]    
Offsetting Liabilities [Line Items]    
Gross amount recognized 6us-gaap_DerivativeAssetFairValueGrossLiability
/ us-gaap_DerivativeInstrumentRiskAxis
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Gross amounts offset in the balance sheets 6mloa_GrossAmountsOffsetInStatementOfFinancialPositionLiabilities
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Other Financial Liabilities [Member]    
Offsetting Liabilities [Line Items]    
Gross amount recognized 63us-gaap_DerivativeAssetFairValueGrossLiability
/ us-gaap_DerivativeInstrumentRiskAxis
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Net amounts presented in the balance sheets 63mloa_NetAmountsOfLiabilitiesPresentedInStatementOfFinancialPosition
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Other Liabilities [Member]    
Offsetting Liabilities [Line Items]    
Gross amount recognized 69us-gaap_DerivativeAssetFairValueGrossLiability
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_OtherLiabilitiesMember		 89us-gaap_DerivativeAssetFairValueGrossLiability
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Gross amounts offset in the balance sheets 6mloa_GrossAmountsOffsetInStatementOfFinancialPositionLiabilities
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= us-gaap_OtherLiabilitiesMember		 6mloa_GrossAmountsOffsetInStatementOfFinancialPositionLiabilities
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= us-gaap_OtherLiabilitiesMember
Net amounts presented in the balance sheets $ 63mloa_NetAmountsOfLiabilitiesPresentedInStatementOfFinancialPosition
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_OtherLiabilitiesMember		 $ 83mloa_NetAmountsOfLiabilitiesPresentedInStatementOfFinancialPosition
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= us-gaap_OtherLiabilitiesMember
XML 38 R28.htm IDEA: XBRL DOCUMENT v2.4.1.9
ORGANIZATION (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Oct. 01, 2013
Deferred Cost Of Reinsurance [Line Items]          
Amortization of deferred cost of reinsurance $ 8mloa_AmortizationOfReinsuranceCosts $ 4mloa_AmortizationOfReinsuranceCosts $ 0mloa_AmortizationOfReinsuranceCosts    
Transferred Or Ceded Assets (Net of Ceding commissions [Abstract]          
Fixed Maturities 878us-gaap_AvailableForSaleSecuritiesDebtSecurities 713us-gaap_AvailableForSaleSecuritiesDebtSecurities      
Cash 47us-gaap_CashAndCashEquivalentsAtCarryingValue 139us-gaap_CashAndCashEquivalentsAtCarryingValue 151us-gaap_CashAndCashEquivalentsAtCarryingValue 61us-gaap_CashAndCashEquivalentsAtCarryingValue  
Policy Loans 151us-gaap_LoansInsurancePolicy 142us-gaap_LoansInsurancePolicy      
Transferred Liabilities [Abstract]          
Future policy benefits and other policyholders liabilities 389us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances 323us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances      
Accelerated Amortization Of Assets And Liabilities [Abstract]          
Value of business acquired 7us-gaap_ValueOfBusinessAcquiredVOBA 18us-gaap_ValueOfBusinessAcquiredVOBA      
Deferred policy acquisition costs 292us-gaap_DeferredPolicyAcquisitionCosts 218us-gaap_DeferredPolicyAcquisitionCosts      
Deferred cost of reinsurance 71mloa_DeferredCostOfReinsurance 91mloa_DeferredCostOfReinsurance      
Protective Life [Member]          
Deferred Cost Of Reinsurance [Line Items]          
Ceding commission         370mloa_CedingCommission
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= mloa_ProtectiveLifeMember
Transferred Or Ceded Assets (Net of Ceding commissions [Abstract]          
Fixed Maturities         1,102us-gaap_AvailableForSaleSecuritiesDebtSecurities
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Cash         74us-gaap_CashAndCashEquivalentsAtCarryingValue
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Policy Loans         132us-gaap_LoansInsurancePolicy
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Total assets transferred or ceded (net of ceding commission)         1,308mloa_TotalAssetsTransferredOrCeded
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Transferred Liabilities [Abstract]          
Future policy benefits and other policyholders liabilities         1,334us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Amounts due to reinsurer         40us-gaap_ReinsurancePayable
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Total liabilities transferred         1,374mloa_TotalLiabilitiesTransferred
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Accelerated Amortization Of Assets And Liabilities [Abstract]          
Value of business acquired         117us-gaap_ValueOfBusinessAcquiredVOBA
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Deferred policy acquisition costs         71us-gaap_DeferredPolicyAcquisitionCosts
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Initial fee liability         (27)mloa_InitialFeeLiability
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Net accelerated amortization of assets and liabilities         161mloa_AcceleratedAmortizationOfAssetsAndLiabilitiesNet
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
Deferred cost of reinsurance $ 4mloa_DeferredCostOfReinsurance
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember		 $ 8mloa_DeferredCostOfReinsurance
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember		     $ 95mloa_DeferredCostOfReinsurance
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= mloa_ProtectiveLifeMember
XML 39 R32.htm IDEA: XBRL DOCUMENT v2.4.1.9
SIGNIFICANT ACCOUNTING POLICIES - OUT OF PERIOD ADJUSTMENTS (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Net earnings [Member]    
Quantifying Misstatement in Current Year Financial Statements [Line Items]    
Quantifying Misstatement in Current Year Financial Statements, Amount $ 2us-gaap_QuantifyingMisstatementInCurrentYearFinancialStatementsAmount
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Net earnings before tax [Member]    
Quantifying Misstatement in Current Year Financial Statements [Line Items]    
Quantifying Misstatement in Current Year Financial Statements, Amount 3us-gaap_QuantifyingMisstatementInCurrentYearFinancialStatementsAmount
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Other Comprehensive Income (Loss) [Member]    
Quantifying Misstatement in Current Year Financial Statements [Line Items]    
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= us-gaap_OtherComprehensiveIncomeMember		  
Income tax expense [Member]    
Quantifying Misstatement in Current Year Financial Statements [Line Items]    
Quantifying Misstatement in Current Year Financial Statements, Amount   $ 2us-gaap_QuantifyingMisstatementInCurrentYearFinancialStatementsAmount
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INVESTMENTS ( Loans) (DETAILS) (Commercial Real Estate Portfolio Segment [Member], USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan $ 31us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
Age Analysis of Past Due Mortgage Loans [Abstract]  
30 to 59 Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue
60 to 89 Days Past Due 0us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue
Greater than 90 Days Past Due 0us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
Total Past Due 0us-gaap_FinancingReceivableRecordedInvestmentPastDue
Current 31us-gaap_FinancingReceivableRecordedInvestmentCurrent
Total financing receivables 31us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
Recorded Investment 90 Days Past Due and Still Accruing 0us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
Greater than 2.0x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 9us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 9us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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1.8x to 2.0x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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= us-gaap_CommercialRealEstatePortfolioSegmentMember
Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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1.5x to 1.8x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
= mloa_RatioBetween15To18TimesMember
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= us-gaap_CommercialRealEstatePortfolioSegmentMember
Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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1.2x to 1.5x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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/ mloa_DebtServiceCoverageRatioAxis
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= us-gaap_CommercialRealEstatePortfolioSegmentMember
Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 6us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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1.0x to 1.2x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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/ mloa_DebtServiceCoverageRatioAxis
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Less than 1.0x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
= mloa_RatioLessThan1TimesMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
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/ mloa_LoanToValueRatioAxis
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ mloa_LoanToValueRatioAxis
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0%-50% [Member] | Greater than 2.0x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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/ mloa_DebtServiceCoverageRatioAxis
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/ mloa_LoanToValueRatioAxis
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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0%-50% [Member] | 1.5x to 1.8x [Member]
  
Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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/ mloa_LoanToValueRatioAxis
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 16us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
Principal amount of mortage loan 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
/ mloa_DebtServiceCoverageRatioAxis
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/ mloa_LoanToValueRatioAxis
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 0us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 6us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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Age Analysis of Past Due Mortgage Loans [Abstract]  
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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Age Analysis of Past Due Mortgage Loans [Abstract]  
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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Age Analysis of Past Due Mortgage Loans [Abstract]  
Total financing receivables 9us-gaap_MortgageLoansOnRealEstateFaceAmountOfMortgages
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Mortgage Loans by Loan-to-Value & Debt Service Coverage Ratios [Line Items]  
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Age Analysis of Past Due Mortgage Loans [Abstract]  
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/ mloa_LoanToValueRatioAxis
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With Related Allowance Recorded [Member]
  
Impaired Mortgage Loans [Abstract]  
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Average Record investments $ 10us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
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= us-gaap_CommercialRealEstatePortfolioSegmentMember
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XML 41 R55.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES (DETAILS 1) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Components Of Deferred Tax Assets [Abstract]      
Deferred Tax Assets, Reserves and reinsurance $ 105us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves $ 77us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves  
Deferred Tax Assets, Other 0us-gaap_DeferredTaxAssetsOther 0us-gaap_DeferredTaxAssetsOther  
Deferred Tax Assets, Gross 105us-gaap_DeferredTaxAssetsGross 77us-gaap_DeferredTaxAssetsGross  
Components Of Deferred Tax Liabilities [Abstract]      
Deferred Tax Liabilities, Reserves and reinsurance 0mloa_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsPolicyholderLiabilities 0mloa_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsPolicyholderLiabilities  
Deferred Tax Liabilities, DAC 78us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost 56us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost  
Deferred Tax Liabilities, VOBA 3mloa_DeferredTaxLiabilitiesValueOfBusinessAcquired 6mloa_DeferredTaxLiabilitiesValueOfBusinessAcquired  
Deferred Tax Liabilities Investments 18us-gaap_DeferredTaxLiabilitiesInvestments 13us-gaap_DeferredTaxLiabilitiesInvestments  
Deferred Tax Liabilities, Goodwill and Intangible Assets 9us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssets 9us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssets  
Deferred Tax Liabilities, Other 8us-gaap_DeferredTaxLiabilitiesOther 7us-gaap_DeferredTaxLiabilitiesOther  
Deferred Tax Liabilities, Net, Total 116us-gaap_DeferredTaxLiabilities 91us-gaap_DeferredTaxLiabilities  
Income Tax Uncertainties [Abstract]      
Accumulated Undistributed Earnings Non US Affiliates Reinvested 8us-gaap_UndistributedEarningsOfForeignSubsidiaries    
Foreign Earnings Repatriated Additional Taxes Remitted 3us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityUndistributedEarningsOfForeignSubsidiaries    
Unrecognized Tax Benefits That Would Impact Effective Tax Rate 6us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate 5us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate  
Unrecognized Tax Benefits Income Tax Penalties And Interest Accrued 0us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued 0us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued  
Unrecognized Tax Benefits Income Tax Penalties And Interest Expense 0us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense    
Reconciliation Of Unrecognized Tax Benefits Excluding Amounts Pertaining To Examined Tax Returns [Roll Forward]      
Balance, beginning of year 5us-gaap_UnrecognizedTaxBenefits 4us-gaap_UnrecognizedTaxBenefits 17us-gaap_UnrecognizedTaxBenefits
Additions for tax positions of prior years 1us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions 1us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions 1us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
Reductions for tax positions of prior years 0us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions 0us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions (2)us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
Settlements with tax authorities 0us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities 0us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities (12)us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities
Balance, End of Year $ 6us-gaap_UnrecognizedTaxBenefits $ 5us-gaap_UnrecognizedTaxBenefits $ 4us-gaap_UnrecognizedTaxBenefits
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In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
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In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
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Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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/ us-gaap_FairValueByAssetClassAxis
= us-gaap_RedeemablePreferredStockMember
Options [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Derivative Asset, Fair Value, Net   14us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_StockOptionMember
MSO and IUL indexed features [Member]    
Liabilities, Fair Value Disclosure [Abstract]    
Guarantees 26us-gaap_GuaranteesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByAssetClassAxis
= mloa_NonGmxbEmbeddedDerivativeInsuranceProductsMember
Fair Value Inputs Level 1 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 10us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Other Equity Investments, Fair Value Disclosure 1us-gaap_EquityMethodInvestmentsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
Cash and Cash Equivalents, Fair Value Disclosure 42us-gaap_CashAndCashEquivalentsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Separate Accounts Assets, Fair Value Disclosure 1,794us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentFairValue
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member		 1,823us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentFairValue
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
Total Assets At Fair Value 1,847us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member		 1,959us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
Fair Value Inputs Level 1 [Member] | Redeemable preferred stock [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 10us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_RedeemablePreferredStockMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel1Member
Fair Value Inputs Level 2 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 834us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Separate Accounts Assets, Fair Value Disclosure 15us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentFairValue
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Total Assets At Fair Value 875us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
Liabilities, Fair Value Disclosure [Abstract]    
Total Liabilities 26us-gaap_LiabilitiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member		 14us-gaap_LiabilitiesFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
Fair Value Inputs Level 2 [Member] | Corporate Debt Securities [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 793us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Fair Value Inputs Level 2 [Member] | US Treasury Government And Agency [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 27us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Fair Value Inputs Level 2 [Member] | State and Political Sub-divisions [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Fair Value Inputs Level 2 [Member] | Redeemable preferred stock [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
Fair Value Inputs Level 2 [Member] | Options [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Fair Value Inputs Level 2 [Member] | MSO and IUL indexed features [Member]    
Liabilities, Fair Value Disclosure [Abstract]    
Guarantees 26us-gaap_GuaranteesFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel2Member
Fair Value Inputs Level 3 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure 34us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
GMIB Reinsurance Contracts, Fair Value Disclosure   0mloa_GmibReinsuranceContractsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Total Assets At Fair Value 34us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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Fair Value Inputs Level 3 [Member] | Corporate Debt Securities [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
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Fair Value Inputs Level 3 [Member] | Commercial Mortgage-backed [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Available-for-sale Securities, Fair Value Disclosure $ 26us-gaap_AvailableForSaleSecurities
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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XML 46 R3.htm IDEA: XBRL DOCUMENT v2.4.1.9
BALANCE SHEET (PARENTHETICALS) (USD $)
Dec. 31, 2014
Dec. 31, 2013
BALANCE SHEETS    
Common Stock par value $ 1us-gaap_CommonStockParOrStatedValuePerShare $ 1us-gaap_CommonStockParOrStatedValuePerShare
Common Stock authorized 5,000,000us-gaap_CommonStockSharesAuthorized 5,000,000us-gaap_CommonStockSharesAuthorized
Common Stock issued 2,500,000us-gaap_CommonStockSharesIssued 2,500,000us-gaap_CommonStockSharesIssued
Common Stock outstanding 2,500,000us-gaap_CommonStockSharesOutstanding 2,500,000us-gaap_CommonStockSharesOutstanding
XML 47 R14.htm IDEA: XBRL DOCUMENT v2.4.1.9
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2014
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS

7) RELATED PARTY TRANSACTIONS

In 2013, MLOA used a portion of the consideration received from the reinsurance agreement with Protective to return $200 million of capital to its parent AEFS and to donate $20 million to AXA Foundation, Inc. (the “Foundation”). The Foundation was organized for the purpose of distributing grants to various tax-exempt charitable organizations and administering various matching gift programs for AXA Equitable its subsidiaries and affiliates, including MLOA.

In August 2012, MLOA sold its entire portfolio of agricultural mortgage loans on real estate to AXA Equitable, an affiliate, in exchange for $42 million. MLOA recorded a pre-tax net realized gain of $3 million related to the sale.

Under its service agreement with AXA Equitable, personnel services, employee benefits, facilities, supplies and equipment are provided to MLOA to conduct its business. The associated costs related to the service agreement are allocated to MLOA based on methods that management believes are reasonable, including a review of the nature of such costs and activities performed to support MLOA. As a result of such allocations, MLOA incurred expenses of $67 million, $87 million and $75 million for 2014, 2013 and 2012, respectively. At December 31, 2014 and 2013, respectively, MLOA reported a $16 million and $26 million payable to AXA Equitable in connection with its service agreement.

Various AXA affiliates, including MLOA, cede a portion of their life, health and catastrophe insurance business through reinsurance agreements to AXA Global Life beginning in 2010 (and AXA Cessions in 2009 and prior), AXA affiliated reinsurers. Beginning in 2008 AXA Global Life, in turn, retrocedes a quota share portion of these risks to MLOA on a one-year term basis.

MLOA cedes a portion of its life business through excess of retention treaties to AXA Equitable on a yearly renewal term basis and reinsured the no lapse guarantee riders through AXA RE Arizona Company.

During 2014, 2013 and 2012, premiums, claims and expenses assumed and ceded under these agreements were not significant.

In 2014, 2013 and 2012, respectively, MLOA paid AXA Distribution and its subsidiaries $52 million, $47 million and $32 million of commissions and fees for sales of insurance products. MLOA charged AXA Distribution’s subsidiaries $36 million, $29 million and $25 million, respectively, for their applicable share of operating expenses in 2014, 2013 and 2012, pursuant to the Agreements for Services.

In addition to the AXA Equitable service agreement, MLOA has various other service and investment advisory agreements with affiliates. The amount of expenses incurred by MLOA related to these agreements were $1 million, $2 million and $2 million for 2014, 2013 and 2012, respectively.
XML 48 R5.htm IDEA: XBRL DOCUMENT v2.4.1.9
STATEMENT OF COMPREHENSIVE INCOME (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
STATEMENTS OF COMPREHENSIVE INCOME (LOSS)      
Net earnings (loss) $ (5)us-gaap_ProfitLoss $ 28us-gaap_ProfitLoss $ 38us-gaap_ProfitLoss
Other comprehensive income (loss) net of income taxes:      
Change in unrealized gains (losses), net of reclassification adjustment 9mloa_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1 (74)mloa_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1 27mloa_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax1
Total other comprehensive income (loss), net of income taxes 9us-gaap_OtherComprehensiveIncomeLossNetOfTax (74)us-gaap_OtherComprehensiveIncomeLossNetOfTax 27us-gaap_OtherComprehensiveIncomeLossNetOfTax
Comprehensive Income (Loss) $ 4us-gaap_ComprehensiveIncomeNetOfTax $ (46)us-gaap_ComprehensiveIncomeNetOfTax $ 65us-gaap_ComprehensiveIncomeNetOfTax
XML 49 R2.htm IDEA: XBRL DOCUMENT v2.4.1.9
BALANCE SHEET (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
ASSETS [Abstract]    
Fixed maturities available for sale, at fair value $ 878us-gaap_AvailableForSaleSecuritiesDebtSecurities $ 713us-gaap_AvailableForSaleSecuritiesDebtSecurities
Mortgage loans on real estate 0us-gaap_MortgageLoansOnRealEstate 28us-gaap_MortgageLoansOnRealEstate
Policy Loans 151us-gaap_LoansInsurancePolicy 142us-gaap_LoansInsurancePolicy
Other invested assets 90us-gaap_OtherInvestments 84us-gaap_OtherInvestments
Total investments 1,119us-gaap_Investments 967us-gaap_Investments
Cash and cash equivalents At Carrying Value 47us-gaap_CashAndCashEquivalentsAtCarryingValue 139us-gaap_CashAndCashEquivalentsAtCarryingValue
Amounts due from reinsurers 1,336us-gaap_ReinsuranceReceivablesPaidLossesRecoverable 1,304us-gaap_ReinsuranceReceivablesPaidLossesRecoverable
Deferred policy acquisition costs 292us-gaap_DeferredPolicyAcquisitionCosts 218us-gaap_DeferredPolicyAcquisitionCosts
Value of business acquired 7us-gaap_ValueOfBusinessAcquiredVOBA 18us-gaap_ValueOfBusinessAcquiredVOBA
Deferred cost of reinsurance 71mloa_DeferredCostOfReinsurance 91mloa_DeferredCostOfReinsurance
Other assets 18us-gaap_OtherAssets 22us-gaap_OtherAssets
Separate Account Assets 1,810us-gaap_SeparateAccountAssets 1,839us-gaap_SeparateAccountAssets
Total Assets 4,700us-gaap_Assets 4,598us-gaap_Assets
LIABILITIES [Abstract]    
Policyholders' account balances 1,919us-gaap_PolicyholderContractDeposits 1,777us-gaap_PolicyholderContractDeposits
Current and deferred income taxes 19us-gaap_TaxesPayableCurrentAndNoncurrent 83us-gaap_TaxesPayableCurrentAndNoncurrent
Future policy benefits and other policyholders liabilities 389us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances 323us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances
Other liabilities 63us-gaap_OtherLiabilities 82us-gaap_OtherLiabilities
Separate Accounts' liabilities 1,810us-gaap_SeparateAccountsLiability 1,839us-gaap_SeparateAccountsLiability
Total Liabilities 4,200us-gaap_Liabilities 4,104us-gaap_Liabilities
Commitments and contingent liabilities 0us-gaap_CommitmentsAndContingencies 0us-gaap_CommitmentsAndContingencies
SHAREHOLDER'S EQUITY [Abstract]    
Common stock, $1.0 par value, 5.0 million shares authorized, 2.5 million shares issued and outstanding 2us-gaap_CommonStockValue 2us-gaap_CommonStockValue
Capital in excess of par value 317us-gaap_AdditionalPaidInCapital 315us-gaap_AdditionalPaidInCapital
Retained earnings 164us-gaap_RetainedEarningsAccumulatedDeficit 169us-gaap_RetainedEarningsAccumulatedDeficit
Accumulated other comprehensive income (loss) 17us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 8us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Total Shareholder's Equity 500us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest 494us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
Total Liabilities and Shareholder's Equity $ 4,700us-gaap_LiabilitiesAndStockholdersEquity $ 4,598us-gaap_LiabilitiesAndStockholdersEquity
XML 50 R51.htm IDEA: XBRL DOCUMENT v2.4.1.9
REINSURANCE (DETAILS1) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Reinsurance Premiums for Insurance Companies, by Product Segment, Net Amount [Abstract]      
Direct Premiums $ 46us-gaap_DirectPremiumsEarned $ 72us-gaap_DirectPremiumsEarned $ 56us-gaap_DirectPremiumsEarned
Assumed Premiums Earned 1us-gaap_AssumedPremiumsEarned 1us-gaap_AssumedPremiumsEarned 2us-gaap_AssumedPremiumsEarned
Ceded Premiums (46)us-gaap_CededPremiumsEarned (48)us-gaap_CededPremiumsEarned (26)us-gaap_CededPremiumsEarned
Premiums 1us-gaap_PremiumsEarnedNet 25us-gaap_PremiumsEarnedNet 32us-gaap_PremiumsEarnedNet
Ceded Insurance Commissions And Fees 48mloa_CededInsuranceCommissionsAndFees 31mloa_CededInsuranceCommissionsAndFees 29mloa_CededInsuranceCommissionsAndFees
Policyholders' benefits ceded $ 291us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded $ 125us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded $ 84us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded
XML 51 R29.htm IDEA: XBRL DOCUMENT v2.4.1.9
SIGNIFICANT ACCOUNTING POLICIES - Investments and Mortgage Loans (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Minimum [Member]    
Real Estate and Accumulated Depreciation [Line Items]    
Real Estate and Accumulated Depreciation, Life Used for Depreciation 40 years 0 months 0 days  
Maximum [Member]    
Real Estate and Accumulated Depreciation [Line Items]    
Real Estate and Accumulated Depreciation, Life Used for Depreciation 50 years 0 months 0 days  
Commercial Real Estate Portfolio Segment [Member]    
Mortgage Loans on Real Estate, Write-down or Reserve, Management Judgment Factor [Line Items]    
Financing Receivable, Recorded Investment, Nonaccrual Status 0us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 $ 6us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
XML 52 R23.htm IDEA: XBRL DOCUMENT v2.4.1.9
VALUE OF BUISNESS ACQUIRED (TABLES)
 12 Months Ended
Dec. 31, 2014
Value Of Business Acquired [Abstract]  
Value Of Business Acquired [Table Text Block]
GrossAccumulated
CarryingAmortization
Amountand OtherNet
(In Millions)
VOBA
December 31, 2014$416 $(409)(1)$7
December 31, 2013$416 $(398)(1)$18
XML 53 R44.htm IDEA: XBRL DOCUMENT v2.4.1.9
VALUE OF BUSINESS ACQUIRED (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Oct. 01, 2013
Value Of Business Acquired [Line Items]        
Gross Carrying Amount $ 416mloa_GrossValueOfBusinessAcquiredVoba $ 416mloa_GrossValueOfBusinessAcquiredVoba    
Accumulated Amortization and Other (409)mloa_AccumulatedAmortizationOfValueOfBusinessAcquiredVoba (398)mloa_AccumulatedAmortizationOfValueOfBusinessAcquiredVoba    
Net 7us-gaap_ValueOfBusinessAcquiredVOBA 18us-gaap_ValueOfBusinessAcquiredVOBA    
Total amortization 10us-gaap_AmortizationOfValueOfBusinessAcquiredVOBA 11us-gaap_AmortizationOfValueOfBusinessAcquiredVOBA (13)us-gaap_AmortizationOfValueOfBusinessAcquiredVOBA  
Amortization Of Value Of Business Acquired VOBA Low End Range 0mloa_AmortizationOfValueOfBusinessAcquiredVobaLowEndRange      
Amortization Of Value Of Business Acquired VOBA High End Range 1mloa_AmortizationOfValueOfBusinessAcquiredVobaHighEndRange      
Protective Life [Member]        
Value Of Business Acquired [Line Items]        
Net       $ 117us-gaap_ValueOfBusinessAcquiredVOBA
/ mloa_DeferredCostOfReinsuranceAxis
= mloa_ProtectiveLifeMember
XML 54 R54.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Income Tax Expense Benefit Abstract      
Current (expense) benefit $ (3)us-gaap_CurrentIncomeTaxExpenseBenefit $ (90)us-gaap_CurrentIncomeTaxExpenseBenefit $ (4)us-gaap_CurrentIncomeTaxExpenseBenefit
Deferred (expense) benefit 8us-gaap_DeferredIncomeTaxExpenseBenefit 74us-gaap_DeferredIncomeTaxExpenseBenefit (2)us-gaap_DeferredIncomeTaxExpenseBenefit
Income Tax (Expense) Benefit 5us-gaap_IncomeTaxExpenseBenefit (16)us-gaap_IncomeTaxExpenseBenefit (6)us-gaap_IncomeTaxExpenseBenefit
Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate 35.00%us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate    
Income Tax Expense Benefit Continuing Operations Income Tax Reconciliation [Abstract]      
Income Tax Expense (Benefit), at Federal Statutory Income Tax Rate 4us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate (15)us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate (15)us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
Dividends received deduction 1us-gaap_IncomeTaxReconciliationDeductionsDividends 1us-gaap_IncomeTaxReconciliationDeductionsDividends 2us-gaap_IncomeTaxReconciliationDeductionsDividends
Tax settlements 0us-gaap_IncomeTaxReconciliationTaxSettlements 0us-gaap_IncomeTaxReconciliationTaxSettlements 9us-gaap_IncomeTaxReconciliationTaxSettlements
Prior year adjustment 0us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes (2)us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes  
Other adjustments 0us-gaap_IncomeTaxReconciliationOtherAdjustments 0us-gaap_IncomeTaxReconciliationOtherAdjustments (2)us-gaap_IncomeTaxReconciliationOtherAdjustments
Income Tax (Expense) Benefit $ 5us-gaap_IncomeTaxExpenseBenefit $ (16)us-gaap_IncomeTaxExpenseBenefit $ (6)us-gaap_IncomeTaxExpenseBenefit
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INVESTMENTS (FIXED MATURITIES AVAILABLE FOR SALE) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]    
Number Of Fixed Maturities 70us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 143us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1
Corporate [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value $ 41us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 $ 109us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Less than 12 Months, Gross Unrealized Losses (1)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 (6)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
12 Months or Longer, Fair Value 38us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 38us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
12 Months or Longer, Gross Unrealized Losses (1)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 (2)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Total Fair Value 79us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 147us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Total, Gross Unrealized Losses (2)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 (8)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis 765us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 608us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember
US Treasury Government And Agency [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value 16us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 21us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember
Total Fair Value 16us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 21us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember
Total, Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis 27us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 34us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember
State and Political Sub-divisions [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total Fair Value 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Total, Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		  
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis 6us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember		 6us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USStatesAndPoliticalSubdivisionsMember
Commercial Mortgage-backed [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value 1us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 13us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
Less than 12 Months, Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 (13)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
12 Months or Longer, Fair Value 20us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 8us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
12 Months or Longer, Gross Unrealized Losses (11)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 (10)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
Total Fair Value 21us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 21us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
Total, Gross Unrealized Losses (11)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 (23)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis 34us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember		 46us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
Redeemable preferred stock [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value 5us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 8us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
Less than 12 Months, Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 (2)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
12 Months or Longer, Fair Value 4us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
12 Months or Longer, Gross Unrealized Losses   0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
Total Fair Value 9us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 8us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
Total, Gross Unrealized Losses 0us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 (2)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis 18us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember		 18us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_RedeemablePreferredStockMember
Fixed Maturities [Member]    
Available For Sale Securities Continuous Unrealized Loss Position [Line Items]    
Less than 12 Months, Fair Value 64us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 152us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Less than 12 Months, Gross Unrealized Losses (1)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 (21)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
12 Months or Longer, Fair Value 62us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 46us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
12 Months or Longer, Gross Unrealized Losses (12)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 (12)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Total Fair Value 126us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 198us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Total, Gross Unrealized Losses (13)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 (33)us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Debt Securities Exposure In Single Issuer Greater Than Stated Percentage Of Total Investments 1.30%mloa_DebtSecuritiesExposureInSingleIssuerGreaterThanStatedPercentageOfTotalInvestments
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		  
Debt Securities Exposure In Single Issuer Of Total Investments 15mloa_DebtSecuritiesExposureInSingleIssuerOfTotalInvestments
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 27mloa_DebtSecuritiesExposureInSingleIssuerOfTotalInvestments
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Available-for-sale Securities, Amortized Cost Basis 850us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 712us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Unrealized investment gains (losses) 28us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 1us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
The carrying value of fixed maturities non-income producing 2mloa_AvailableForSaleSecuritiesContinuousNonIncomeProdcuingPosition12Months
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		  
Fixed Maturities [Member] | Other Than Investment Grade [Member]    
Investments In Fixed Maturity Securities Other Disclosure [Abstract]    
Available-for-sale Securities, Amortized Cost Basis Other Than Investment Grade 48mloa_AvailableForSaleSecuritiesAmortizedCostBasisOtherThanInvestmentGrade
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 60mloa_AvailableForSaleSecuritiesAmortizedCostBasisOtherThanInvestmentGrade
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Percentage Of Available For Sale Securities 5.60%mloa_PercentageOfAvailableForSaleSecurities
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 8.40%mloa_PercentageOfAvailableForSaleSecurities
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
Unrealized investment gains (losses) $ 8us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember		 $ 22us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
/ us-gaap_InvestmentTypeAxis
= mloa_OtherThanInvestmentGradeMember
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_FixedMaturitiesMember
XML 58 R36.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (M Loans) (DETAILS) (Commercial Real Estate Portfolio Segment [Member], USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Commercial Real Estate Portfolio Segment [Member]
      
Allowance for Credit Losses [Roll Forward]      
Beginning balance $ 3us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 $ 4us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 $ 3us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Charge-offs (3)us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		    
Recoveries 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 (1)us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 0us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Provisions 0us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 0us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 1us-gaap_ProvisionForLoanLeaseAndOtherLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Ending balance 0us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 3us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 4us-gaap_FinancingReceivableAllowanceForCreditLosses
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Ending Balance [Abstract]:      
Individually Evaluated for Impairment $ 0us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 $ 3us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember		 $ 4us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
XML 59 R13.htm IDEA: XBRL DOCUMENT v2.4.1.9
REINSURANCE
 12 Months Ended
Dec. 31, 2014
Reinsurance Agreements [Abstract]  
REINSURANCE

6) REINSURANCE

On October 1, 2013, MLOA entered into an agreement with Protective Life to reinsure an in-force book of life insurance and annuity policies, written primarily prior to 2004. As of December 31, 2014 and 2013 included in MLOA’s balance sheet were Amounts due from reinsurers of $1,213 million and $1,207 million, respectively (net of $131 million and $129 million of ceded policy loans, respectively), including $1,154 million and $1,182 million of Policyholder’s account balances relating to the reinsurance agreement with Protective Life. During 2014 and 2013, respectively, total premiums ceded to Protective Life were $24 million and $6 million and policyholder benefits ceded were $242 million and $18 million. As of December 31, 2014, Protective Life is rated AA-. Included in the reinsured business to Protective Life were policies with GMDB and GMIB features which had a reserve balance of $5 million and $1 million at December 31, 2014, respectively and $5 million and $1 million at December 31, 2013, respectively. As a result of the reinsurance agreement Protective Life will receive all the benefits from and assumes all the risks from other reinsurance contracts to which MLOA was a party for the block of business reinsured.

For business not reinsured with Protective Life, MLOA generally reinsures its variable life, interest-sensitive life and term life insurance policies on an excess of retention basis. In 2014, MLOA generally retained up to a maximum of $4 million of mortality risk on single-life policies and up to a maximum of $6 million of mortality risk on second-to-die policies. For amounts applied for in excess of those limits, reinsurance is ceded to AXA Equitable Life Insurance Company (“AXA Equitable”), an affiliate and wholly-owned subsidiary of AXA Financial, up to a combined maximum of $20 million of risk on single-life policies and up to a maximum of $25 million on second-to-die policies. For amounts issued in excess of those limits MLOA typically obtained reinsurance from unaffiliated third parties. The reinsurance arrangements obligate the reinsurer to pay a portion of any death claim in excess of the amount MLOA retained in exchange for an agreed-upon premium.

At December 31, 2014 and 2013, respectively, reinsurance recoverables related to insurance contracts amounted to $1,336 million and $1,304 million, of which $37 million and $51 million (not including Protective Life) related to one specific reinsurer, which is rated AA- with the remainder of the reinsurers rated A- or not rated.  A contingent liability exists with respect to reinsurance should the reinsurers be unable to meet their obligations.  MLOA evaluates the financial condition of its reinsurers in an effort to minimize its exposure to significant losses from reinsurer insolvencies.

The following table summarizes the effect of reinsurance:

201420132012
(In Millions)
Direct premiums$46 $72 $56
Assumed1 1 2
Reinsurance ceded(46)(48)(26)
Premiums$1 $25 $32
Variable Life and Investment-type Product Policy Fee Income Ceded$48 $31 $29
Policyholders' Benefits Ceded$291 $125 $84
XML 60 R30.htm IDEA: XBRL DOCUMENT v2.4.1.9
SIGNIFICANT ACCOUNTING POLICIES - DAC AND VOBA (DETAILS)
 12 Months Ended
Dec. 31, 2014
DAC [Abstract]  
VOBA Amortization Period Maximum 50 years 0 months 0 days
Estimated Average Annual Rate of Return, Gross 9.00%mloa_EstimatedAverageAnnualRateOfReturnGross
Estimated Average Annual Rate of Return, Net 7.00%mloa_EstimatedAverageAnnualRateOfReturnNet
Future Annual Rate of Return, Gross, Maximum 15.00%mloa_FutureAnnualRateOfReturnGrossMaximum
Future Annual Rate of Return, Net, Maximum 13.00%mloa_FutureAnnualRateOfReturnNetMaximum
Future Annual Rate of Return, Gross, Minimum 0.00%mloa_FutureAnnualRateOfReturnGrossMinimum
Future Annual Rate of Return, Net, Minimum 2.00%mloa_FutureAnnualRateOfReturnNetMinimum
Future Annual Rate of Return, Assumption, Duration, Maximum (in years) 5 years 0 months 0 days
Future Rate of Return, Gross, Annualized Rate 0.00%mloa_FutureRateOfReturnGrossAnnualizedRate
Future Rate of Return, Gross, Annualized Period (in quarters) 8
Future Rate of Return, Gross, Mean Rate 9.00%mloa_FutureRateOfReturnGrossMeanRate
Future Rate of Return, Gross, Period for Mean Rate (in quarters) 10
XML 61 R42.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (offsetting) (DETAILS2) (USD $)
In Millions, unless otherwise specified
Dec. 31, 2014
Dec. 31, 2013
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets $ 90mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition $ 84mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
Colleteral Securities (Received) (6)us-gaap_DerivativeCollateralObligationToReturnSecurities  
Collateral Cash (Received) (20)us-gaap_DerivativeCollateralObligationToReturnCash (12)us-gaap_DerivativeCollateralObligationToReturnCash
Net Amounts 64us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral 72us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
Counterparty A [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 5mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember		 6mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember
Collateral Cash (Received) (5)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember		 (6)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember		 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyaMember
Counterparty F [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 1mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyfMember		  
Collateral Cash (Received) (1)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyfMember		  
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyfMember		  
Counterparty G [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 3mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartygMember		  
Collateral Cash (Received) (3)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartygMember		  
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartygMember		  
Counterparty H [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 6mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember		 1mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember
Colleteral Securities (Received) (6)us-gaap_DerivativeCollateralObligationToReturnSecurities
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember		  
Collateral Cash (Received)   0us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember		 1us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartyhMember
Counterparty K [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 6mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember		 2mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember
Collateral Cash (Received) (6)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember		 (2)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember		 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartykMember
Counterparty L [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 4mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember		 4mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember
Collateral Cash (Received) (4)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember		 (4)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember		 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartylMember
Counterparty T [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 1mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartytMember		  
Collateral Cash (Received) (1)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartytMember		  
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_CounterpartytMember		  
Total Derivative [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 26mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember		 13mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember
Colleteral Securities (Received) (6)us-gaap_DerivativeCollateralObligationToReturnSecurities
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember		  
Collateral Cash (Received) (20)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember		 (12)us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember
Net Amounts 0us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember		 1us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= us-gaap_DerivativeMember
Other Financial Instruments [Member]    
Offsetting Assets [Line Items]    
Net amounts presented in the balance sheets 64mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_OtherFinancialInstrumentsMember		 71mloa_NetAmountsOfAssetsPresentedInStatementOfFinancialPosition
/ us-gaap_CounterpartyNameAxis
= mloa_OtherFinancialInstrumentsMember
Collateral Cash (Received)   0us-gaap_DerivativeCollateralObligationToReturnCash
/ us-gaap_CounterpartyNameAxis
= mloa_OtherFinancialInstrumentsMember
Net Amounts $ 64us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_OtherFinancialInstrumentsMember		 $ 71us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
/ us-gaap_CounterpartyNameAxis
= mloa_OtherFinancialInstrumentsMember
XML 62 R16.htm IDEA: XBRL DOCUMENT v2.4.1.9
INCOME TAXES
 12 Months Ended
Dec. 31, 2014
Income Taxes [Abstract]  
INCOME TAXES

9) INCOME TAXES

A summary of the income tax (expense) benefit in the statements of earnings (loss) follows:

201420132012
(In Millions)
Income tax (expense) benefit:
Current (expense) benefit$(3)$(90)$(4)
Deferred (expense) benefit8 74 (2)
Total$5 $(16)$(6)

The Federal income taxes attributable to operations are different from the amounts determined by multiplying the earnings (loss), before income taxes by the expected Federal income tax rate of 35%. The sources of the difference and their tax effects are as follows:

201420132012
(In Millions)
Expected income tax (expense) benefit$4 $(15)$(15)
Dividends received deduction1 1 2
Tax settlement--9
Prior year adjustment-(2)-
Other--(2)
Income Tax (Expense) Benefit$5 $(16)$(6)

MLOA recognized a tax benefit in 2012 of $9 million related to the settlement with the IRS of the audit for tax years 2004 - 2007.

The components of the net deferred income taxes are as follows:

December 31, 2014December 31, 2013
AssetsLiabilitiesAssetsLiabilities
(In Millions)
Reserves and reinsurance$105 $-$77 $-
DAC-78 -56
VOBA-3 -6
Investments-18 -13
Goodwill and other intangible assets-9 -9
Other-8 -7
Total$105 $116 $77 $91

MLOA does not provide income taxes on the undistributed earnings related to its investment in AllianceBernstein units except to the extent that such earnings are not permanently invested outside the United States. As of December 31, 2014, $8 million of accumulated undistributed earnings related to its investment in AllianceBernstein units were permanently invested outside the United States. At existing applicable income tax rates, additional taxes of approximately $3 million would need to be provided if such earnings were remitted.

At December 31, 2014 and 2013, of the total amount of unrecognized tax benefits, $6 million and $5 million, respectively, would affect the effective tax rate.

MLOA recognizes accrued interest and penalties related to unrecognized tax benefits in tax (expense) benefit. Interest and penalties included in the amounts of unrecognized tax benefits at December 31, 2014 and 2013 were $0 million and $0 million, respectively. Tax (expense) benefit for 2014 reflected a benefit of $0 million in interest expense related to unrecognized tax benefits.

A reconciliation of unrecognized tax benefits (excluding interest and penalties) follows:

201420132012
(In Millions)
Balance, beginning of year$5 $4 $17
Additions for tax positions of prior years1 1 1
Reductions for tax positions of prior years--(2)
Settlements with tax authorities--(12)
Balance, End of Year$6 $5 $4

In 2012, the IRS concluded its examination of the tax returns of MONY Life and its subsidiaries from the date of its acquisition by AXA Financial in 2004 through 2007. The completion of this examination resulted in the release of $12 million of unrecognized tax benefits for MLOA. It is reasonably possible that the total amounts of unrecognized tax benefits will change within the next 12 months. The possible change in the amount of unrecognized tax benefits cannot be estimated at this time.
XML 63 R12.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUE DISCLOSURES
 12 Months Ended
Dec. 31, 2014
Fair Value Disclosures [Abstract]  
FAIR VALUE DISCLOSURES

5) FAIR VALUE DISCLOSURES

Assets measured at fair value on a recurring basis are summarized below. Fair value measurements also are required on a non-recurring basis for certain assets, including goodwill, mortgage loans on real estate, equity real estate held for production of income, and equity real estate held for sale, only when an OTTI or other event occurs. When such fair value measurements are recorded, they must be classified and disclosed within the fair value hierarchy. At December 31, 2014 and 2013, no assets were required to be measured at fair value on a non-recurring basis.

Fair Value Measurements
Level 1Level 2Level 3Total
(In Millions)
December 31, 2014
Assets:
Investments:
Fixed maturity Securities, available-for-sale:
Corporate$-$793 $8 $801
U.S. Treasury, government and agency-27 -27
States and political subdivisions-6 -6
Commercial mortgage-backed--26 26
Redeemable preferred stock10 8 -18
Subtotal10 834 34 878
Other equity investments1 --1
Options-26 -26
Cash equivalents42 --42
Separate Accounts' assets1,794 15 -1,809
Total Assets$1,847 $875 $34 $2,756
Liabilities:
MSO and IUL indexed features’ liability$-$26 $-$26
Total Liabilities$-$26 $-$26
December 31, 2013
Assets:
Investments:
Fixed maturity Securities, available-for-sale:
Corporate$-$624 $9 $633
U.S. Treasury, government and agency-34 -34
States and political subdivisions-6 -6
Foreign governments----
Commercial mortgage-backed--24 24
Redeemable preferred stock8 8 -16
Subtotal8 672 33 713
Other equity investments1 --1
Options-14 -14
Cash equivalents127 --127
GMIB reinsurance contracts----
Separate Accounts' assets1,823 15 -1,838
Total Assets$1,959 $701 $33 $2,693
Liabilities:
MSO and IUL indexed features’ liability$-$14 $-$14
Total Liabilities$-$14 $-$14

At December 31, 2014 and 2013, respectively, the fair value of public fixed maturities is approximately $661 million and $556 million or approximately 24.0% and 20.6% of MLOA’s total assets measured at fair value on a recurring basis (excluding GMIB reinsurance contracts measured at fair value on a recurring basis at December 31, 2013). The fair values of MLOA’s public fixed maturity securities are generally based on prices obtained from independent valuation service providers and for which MLOA maintains a vendor hierarchy by asset type based on historical pricing experience and vendor expertise. Although each security generally is priced by multiple independent valuation service providers, MLOA ultimately uses the price received from the independent valuation service provider highest in the vendor hierarchy based on the respective asset type, with limited exception. To validate reasonableness, prices also are internally reviewed by those with relevant expertise through comparison with directly observed recent market trades. Consistent with the fair value hierarchy, public fixed maturity securities validated in this manner generally are reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs. If the pricing information received from independent valuation service providers is not reflective of market activity or other inputs observable in the market, MLOA may challenge the price through a formal process in accordance with the terms of the respective independent valuation service provider agreement. If as a result it is determined that the independent valuation service provider is able to reprice the security in a manner agreed as more consistent with current market observations, the security remains within Level 2. Alternatively, a Level 3 classification may result if the pricing information then is sourced from another vendor, non-binding broker quotes, or internally-developed valuations for which MLOA’s own assumptions about market-participant inputs would be used in pricing the security.

At December 31, 2014 and 2013, respectively, the fair value of private fixed maturities is approximately $217 million and $157 million or approximately 7.9% and 5.8% of MLOA’s total assets measured at fair value on a recurring basis. The fair values of MLOA’s private fixed maturities, which primarily are comprised of investments in private placement securities generally are determined using a discounted cash flow model. In certain cases, these models use observable inputs with a discount rate based upon the average of spread surveys collected from private market intermediaries who are active in both primary and secondary transactions, taking into account, among other factors, the credit quality and industry sector of the issuer and the reduced liquidity associated with private placements. Generally, these securities have been reflected within Level 2. For certain private fixed maturities, the discounted cash flow model may also incorporate unobservable inputs, which reflect MLOA’s own assumptions about the inputs market participants would use in pricing the asset. To the extent management determines that such unobservable inputs are significant to the fair value measurement of a security, a Level 3 classification generally is made.

At December 31, 2014 and 2013, respectively, investments classified as Level 1 comprise approximately 67.0% and 72.8% of assets measured at fair value on a recurring basis and primarily include redeemable preferred stock, cash equivalents and Separate Accounts assets. Fair value measurements classified as Level 1 include exchange-traded prices of fixed maturities, equity securities and net asset values for transacting subscriptions and redemptions of mutual fund shares held by Separate Accounts. Cash equivalents classified as Level 1 include money market accounts, overnight commercial paper and highly liquid debt instruments purchased with an original maturity of three months or less, and are carried at cost as a proxy for fair value measurement due to their short-term nature.

At December 31, 2014 and 2013, respectively, investments classified as Level 2 comprise approximately 31.7% and 26.0% of assets measured at fair value on a recurring basis and primarily include U.S. government and agency securities and certain corporate debt securities, such as public and private fixed maturities. As market quotes generally are not readily available or accessible for these securities, their fair value measures are determined utilizing relevant information generated by market transactions involving comparable securities and often are based on model pricing techniques that effectively discount prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security’s duration, also taking into consideration issuer-specific credit quality and liquidity.

MLOA’s IUL product and in the MSO investment option available in some life contracts offer investment options which permit the contract owner to participate in the performance of an index, ETF or commodity price. These investment options, which depending on the product and on the index selected can currently have 1 or 3 year terms, provide for participation in the performance of specified indices, ETFs or commodity price movement up to a segment-specific declared maximum rate. Under certain conditions that vary by product, e.g. holding these segments for the full term, these segments also shield policyholders from some or all negative investment performance associated with these indices, ETFs or commodity price. These investment options have defined formulaic liability amounts, and the current values of the option component of these segment reserves are accounted for as Level 2 embedded derivatives. The fair values of these embedded derivatives are based on prices obtained from independent valuation service providers.

At December 31, 2014 and 2013, respectively, investments classified as Level 3 comprise approximately 1.2% and 1.2% of assets measured at fair value on a recurring basis and primarily include commercial mortgage-backed securities (“CMBS”) and corporate debt securities. Determinations to classify fair value measures within Level 3 of the valuation hierarchy generally are based upon the significance of the unobservable factors to the overall fair value measurement. Included in the Level 3 classification at December 31, 2013, were approximately $0 million of fixed maturities with indicative pricing obtained from brokers that otherwise could not be corroborated to market observable data. MLOA applies various due-diligence procedures, as considered appropriate, to validate these non-binding broker quotes for reasonableness, based on its understanding of the markets, including use of internally-developed assumptions about inputs a market participant would use to price the security. In addition, approximately $26 million and $24 million of mortgage- and asset-backed securities, including CMBS, are classified as Level 3 at December 31, 2014 and 2013, respectively. MLOA utilizes prices obtained from an independent valuation service vendor to measure fair value of CMBS securities.

In 2014 and 2013, there were no AFS fixed maturities transferred from Level 2 into the Level 3 or from Level 3 to Level 2 classification.

The table below presents a reconciliation for all Level 3 assets at December 31, 2014 and 2013, respectively.

Level 3 Instruments
Fair Value Measurements
CommercialGMIB
Mortgage-Asset-Reinsurance
CorporatebackedbackedContracts
(In Millions)
Balance, January 1, 2014$9 $24 $-$-
Total gains (losses), realized and unrealized, included in:
Earnings (loss) as:
Investment gains (losses), net(1)(11)--
Other comprehensive income (loss)1 13 --
Sales(1)---
Balance, December 31, 2014$8 $26 $-$-
Balance, January 1, 2013$35 $35 $6 $7
Total gains (losses), realized and unrealized included in:
Earnings (loss) as:
Investment gains (losses), net2 (9)2 -
Increase (decrease) in the fair value of
reinsurance contracts---(7)
Other comprehensive income (loss)(2)(1)(2)-
Sales(26)(1)(6)-
Balance, December 31, 2013$9 $24 $-$-
Balance, January 1, 2012$34 $29 $5 $9
Total gains (losses), realized and unrealized included in:
Earnings (loss) as:
Investment gains (losses), net1 (7)--
Increase (decrease) in the fair value of
reinsurance contracts---(2)
Other comprehensive income (loss)-13 1 -
Sales(3)---
Transfers into Level 3(1)3 ---
Balance, December 31, 2012$35 $35 $6 $7

Transfers into/out of Level 3 classification are reflected at beginning-of-period fair values.

The table below details changes in unrealized gains (losses) for 2014 and 2013 by category for Level 3 assets still held at December 31, 2014 and 2013, respectively.

OCI
(In Millions)
Level 3 Instruments
Full Year 2014
Still Held at December 31, 2014:
Change in unrealized gains (losses):
Fixed maturity securities, available-for-sale:
Corporate$1
Commercial mortgage-backed12
Total$13
Level 3 Instruments
Full Year 2013
Still Held at December 31, 2013:
Change in unrealized gains (losses):
Fixed maturity securities, available-for-sale:
Commercial mortgage-backed$(2)
Total$(2)

At December 31, 2014 and 2013, MLOA had $34 million and $33 million, respectively, of investments classified as Level 3. The underlying quantitative inputs to measure the fair value of these investments are not developed by MLOA and are not readily available. These investments primarily consist of certain privately placed debt securities with limited trading activity, including asset-backed instruments, and their fair values generally reflect unadjusted prices obtained from independent valuation service providers and indicative, non-binding quotes obtained from third-party broker-dealers recognized as market participants. Significant increases or decreases in the fair value amounts received from these pricing sources may result in MLOA’s reporting significantly higher or lower fair value measurements for these Level 3 investments.

The carrying values and fair values at December 31, 2014 and December 31, 2013 for financial instruments not otherwise disclosed in Note 3 are presented in the table below. Certain financial instruments are exempt from the requirements for fair value disclosure, such as insurance liabilities other than financial guarantees and investment contracts and pension and other postretirement obligations.

CarryingFair Value
ValueLevel 1Level 2Level 3Total
(In Millions)
December 31, 2014
Policyholders liabilities: Investment contracts$6 $-$-$6 $6
Policy Loans 151 - - 184 184
December 31, 2013
Mortgage loans on real estate$28 $-$-$28 $28
Policyholders liabilities: Investment contracts193 --196 196
Policy Loans142 --174 174

Fair values for commercial mortgage loans on real estate are measured by discounting future contractual cash flows to be received on the mortgage loan using interest rates at which loans with similar characteristics and credit quality would be made. The discount rate is derived from taking the appropriate U.S. Treasury rate with a like term to the remaining term of the loan and adding a spread reflective of the risk premium associated with the specific loan. Fair values for mortgage loans anticipated to be foreclosed and problem mortgage loans are limited to the fair value of the underlying collateral, if lower.

The fair value of policy loans is calculated by discounting expected cash flows based upon the U.S. treasury yield curve and historical loan repayment patterns.

The fair values for MLOA’s supplementary contracts not involving life contingencies (“SCNILC”), single premium deferred annuities and certain annuities, which are included in Policyholder’s account balances, are estimated using projected cash flows discounted at rates reflecting current market rates. Significant unobservable inputs reflected in the cash flows include lapse rates and withdrawal rates. Incremental adjustments may be made to the fair value to reflect non-performance risk.
XML 64 R7.htm IDEA: XBRL DOCUMENT v2.4.1.9
STATEMENTS OF CASH FLOWS (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
STATEMENTS OF CASH FLOWS [Abstract]      
Net Earnings (Loss) $ (5)us-gaap_ProfitLoss $ 28us-gaap_ProfitLoss $ 38us-gaap_ProfitLoss
Adjustments to reconcile net earnings (loss) to net cash provided by (used in) operating activities: [Abstract]      
Interest credited to policyholders' account balances 39us-gaap_InterestCreditedToPolicyholdersAccountBalances 65us-gaap_InterestCreditedToPolicyholdersAccountBalances 61us-gaap_InterestCreditedToPolicyholdersAccountBalances
Universal life and investment-type product policy fee income (91)us-gaap_InsuranceCommissionsAndFees (131)us-gaap_InsuranceCommissionsAndFees (117)us-gaap_InsuranceCommissionsAndFees
(Income) loss from derivative instruments (13)us-gaap_DerivativeGainLossOnDerivativeNet (8)us-gaap_DerivativeGainLossOnDerivativeNet 0us-gaap_DerivativeGainLossOnDerivativeNet
Change in accrued investment income (1)us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable 3us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable 2us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable
Investment (gains) losses, net 6us-gaap_GainLossOnInvestments (68)us-gaap_GainLossOnInvestments 5us-gaap_GainLossOnInvestments
Change in deferred policy acquisition costs and value of business acquired (64)mloa_IncreaseDecreaseInDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired (60)mloa_IncreaseDecreaseInDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired (58)mloa_IncreaseDecreaseInDeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired
Change in the fair value of the reinsurance contract asset 0mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts 7mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts 2mloa_IncreaseDecreaseInFairValueOfReinsuranceContracts
Change in future policy benefits 26us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves (18)us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves (5)us-gaap_IncreaseDecreaseInFuturePolicyBenefitReserves
Change in other policyholders liabilities 2us-gaap_IncreaseDecreaseInOtherInsuranceLiabilities (2)us-gaap_IncreaseDecreaseInOtherInsuranceLiabilities 5us-gaap_IncreaseDecreaseInOtherInsuranceLiabilities
Change in current and deferred income taxes (67)us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable (20)us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable (1)us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable
Provision for depreciation and amortization 3us-gaap_DepreciationAndAmortization 7us-gaap_DepreciationAndAmortization 5us-gaap_DepreciationAndAmortization
Equity in earnings and dividends from AllianceBernstein 4us-gaap_ProceedsFromDividendsReceived (1)us-gaap_ProceedsFromDividendsReceived 1us-gaap_ProceedsFromDividendsReceived
Amortization of deferred reinsurance costs 8mloa_AmortizationOfReinsuranceCosts 4mloa_AmortizationOfReinsuranceCosts 0mloa_AmortizationOfReinsuranceCosts
Cash transferred as a result of reinsurance agreement with Protective Life 0us-gaap_PaymentsForReinsurance (74)us-gaap_PaymentsForReinsurance 0us-gaap_PaymentsForReinsurance
Other, net (24)us-gaap_OtherNoncashIncomeExpense 41us-gaap_OtherNoncashIncomeExpense 13us-gaap_OtherNoncashIncomeExpense
Net cash provided by (used in) operating activities (177)us-gaap_NetCashProvidedByUsedInOperatingActivities (227)us-gaap_NetCashProvidedByUsedInOperatingActivities (49)us-gaap_NetCashProvidedByUsedInOperatingActivities
Cash flows from investing activities: [Abstract]      
Maturities and repayments of fixed maturities and mortgage loans on real estate 159mloa_ProceedsFromMaturityAndCollectionsOfFixedMaturitiesAndMortgageLoansOnRealEstate 290mloa_ProceedsFromMaturityAndCollectionsOfFixedMaturitiesAndMortgageLoansOnRealEstate 139mloa_ProceedsFromMaturityAndCollectionsOfFixedMaturitiesAndMortgageLoansOnRealEstate
Sales of investments 38mloa_ProceedsFromSaleOfInvestments 111mloa_ProceedsFromSaleOfInvestments 60mloa_ProceedsFromSaleOfInvestments
Purchases of investments (314)us-gaap_PaymentsToAcquireInvestments (251)us-gaap_PaymentsToAcquireInvestments (134)us-gaap_PaymentsToAcquireInvestments
Cash settlement related to derivative instruments 1us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities (4)us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities 0us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities
Other, net (46)us-gaap_PaymentsForProceedsFromOtherInvestingActivities 19us-gaap_PaymentsForProceedsFromOtherInvestingActivities (8)us-gaap_PaymentsForProceedsFromOtherInvestingActivities
Net cash provided by (used in) investing activities (162)us-gaap_NetCashProvidedByUsedInInvestingActivities 165us-gaap_NetCashProvidedByUsedInInvestingActivities 57us-gaap_NetCashProvidedByUsedInInvestingActivities
Cash flows from financing activities: [Abstract]      
Deposits 281us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates 279us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates 148us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates
Withdrawals and transfers to Separate Accounts (41)us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates (41)us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates (66)us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates
Change in collateralized pledged liabilities 7mloa_IncreaseDecreaseInCollateralizedPledgedLiabilities 12mloa_IncreaseDecreaseInCollateralizedPledgedLiabilities 0mloa_IncreaseDecreaseInCollateralizedPledgedLiabilities
Return of capital 0mloa_PaymentOfReturnOfCapital (200)mloa_PaymentOfReturnOfCapital 0mloa_PaymentOfReturnOfCapital
Net cash provided by (used in) financing activities 247us-gaap_NetCashProvidedByUsedInFinancingActivities 50us-gaap_NetCashProvidedByUsedInFinancingActivities 82us-gaap_NetCashProvidedByUsedInFinancingActivities
Change in cash and cash equivalents (92)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease (12)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 90us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash and cash equivalents, beginning of year 139us-gaap_CashAndCashEquivalentsAtCarryingValue 151us-gaap_CashAndCashEquivalentsAtCarryingValue 61us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash and Cash Equivalents, End of Year 47us-gaap_CashAndCashEquivalentsAtCarryingValue 139us-gaap_CashAndCashEquivalentsAtCarryingValue 151us-gaap_CashAndCashEquivalentsAtCarryingValue
Schedule Of Non Cash Financing Activities [Abstract]      
Shared-based Programs $ (2)mloa_SharedBasedPrograms $ 0mloa_SharedBasedPrograms $ (1)mloa_SharedBasedPrograms
XML 65 R52.htm IDEA: XBRL DOCUMENT v2.4.1.9
RELATED PARTY TRANSACTIONS (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Related Party Transaction [Line Items]      
Payment Of Return Of Capital $ 0mloa_PaymentOfReturnOfCapital $ 200mloa_PaymentOfReturnOfCapital $ 0mloa_PaymentOfReturnOfCapital
Proceeds from Sale of Agricultural Mortgage Loans to AXA Equitable     42us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures
Net gain (loss) realized on sale of agricultural mortgage loans to AXA Equitable     3us-gaap_GainsLossesOnSalesOfInvestmentRealEstate
Expenses from Related Party Transactions 1us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty 2us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty 2us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
Assumed Premiums Earned 1us-gaap_AssumedPremiumsEarned 1us-gaap_AssumedPremiumsEarned 2us-gaap_AssumedPremiumsEarned
AXA Equitable Financial Services [Member]      
Related Party Transaction [Line Items]      
Payment Of Return Of Capital   200mloa_PaymentOfReturnOfCapital
/ dei_LegalEntityAxis
= mloa_AxaEquitableFinancialServicesMember		  
AXA Foundation [Member]      
Related Party Transaction [Line Items]      
Donations To Affiliates   20mloa_DonationsToAffiliates
/ dei_LegalEntityAxis
= mloa_AxaFoundationMember		  
AXA Equitable [Member]      
Related Party Transaction [Line Items]      
Expenses from Related Party Transactions 67us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaEquitableMember		 87us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaEquitableMember		 75us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaEquitableMember
Accounts payable, Related Party Transactions 16us-gaap_AccountsPayableRelatedPartiesCurrent
/ dei_LegalEntityAxis
= mloa_AxaEquitableMember		 26us-gaap_AccountsPayableRelatedPartiesCurrent
/ dei_LegalEntityAxis
= mloa_AxaEquitableMember		  
AXA Distribution [Member]      
Related Party Transaction [Line Items]      
Expenses from Related Party Transactions 52us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember		 47us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember		 32us-gaap_RelatedPartyTransactionExpensesFromTransactionsWithRelatedParty
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember
Revenue from Related Party Transactions $ 36us-gaap_RevenueFromRelatedParties
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember		 $ 29us-gaap_RevenueFromRelatedParties
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember		 $ 25us-gaap_RevenueFromRelatedParties
/ dei_LegalEntityAxis
= mloa_AxaDistributionMember
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FAIR VALUE DISCLOSURES (DETAILS 2) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Total Gains Losses Realized Unrealized Included In [Abstract]      
Gain (Loss) on Investments $ (6)us-gaap_GainLossOnInvestments $ 68us-gaap_GainLossOnInvestments $ (5)us-gaap_GainLossOnInvestments
Level 3 Assets And Liabilities Still Held [Member]      
Total Gains Losses Realized Unrealized Included In [Abstract]      
Other Comprehensive Income (Loss) 13us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= mloa_Level3AssetsAndLiabilitiesStillHeldMember		 (2)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= mloa_Level3AssetsAndLiabilitiesStillHeldMember		  
Corporate [Member] | Fair Value Inputs Level 3 [Member]      
Fair Value Assets Measured on Recurring Basis Unobservable Input Reconciliation [Line Items]      
Opening Balance 9us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 35us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 34us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Total Gains Losses Realized Unrealized Included In [Abstract]      
Gain (Loss) on Investments (1)us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 2us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 1us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Other Comprehensive Income (Loss) 1us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (2)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		  
Sales (1)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (26)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (3)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Transfers into level 3     3us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Closing Balance 8us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 9us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 35us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Corporate [Member] | Level 3 Assets And Liabilities Still Held [Member]      
Total Gains Losses Realized Unrealized Included In [Abstract]      
Other Comprehensive Income (Loss) 1us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CorporateDebtSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= mloa_Level3AssetsAndLiabilitiesStillHeldMember		    
Commercial Mortgage-backed [Member] | Fair Value Inputs Level 3 [Member]      
Fair Value Assets Measured on Recurring Basis Unobservable Input Reconciliation [Line Items]      
Opening Balance 24us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 35us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 29us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Total Gains Losses Realized Unrealized Included In [Abstract]      
Gain (Loss) on Investments (11)us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (9)us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (7)us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Other Comprehensive Income (Loss) 13us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (1)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 13us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Sales 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (1)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		  
Closing Balance 26us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 24us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 35us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Commercial Mortgage-backed [Member] | Level 3 Assets And Liabilities Still Held [Member]      
Total Gains Losses Realized Unrealized Included In [Abstract]      
Other Comprehensive Income (Loss) 12us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= mloa_Level3AssetsAndLiabilitiesStillHeldMember		 (2)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_CommercialMortgageBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= mloa_Level3AssetsAndLiabilitiesStillHeldMember		  
Asset-backed [Member] | Fair Value Inputs Level 3 [Member]      
Fair Value Assets Measured on Recurring Basis Unobservable Input Reconciliation [Line Items]      
Opening Balance 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 6us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
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= us-gaap_FairValueInputsLevel3Member		 5us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Total Gains Losses Realized Unrealized Included In [Abstract]      
Gain (Loss) on Investments 0us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 2us-gaap_GainLossOnInvestments
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		  
Other Comprehensive Income (Loss) 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (2)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 1us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Sales 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (6)us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		  
Closing Balance 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= us-gaap_AssetBackedSecuritiesMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 6us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
GMIB Reinsurance Contracts [Member] | Fair Value Inputs Level 3 [Member]      
Fair Value Assets Measured on Recurring Basis Unobservable Input Reconciliation [Line Items]      
Opening Balance   7us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 9us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Total Gains Losses Realized Unrealized Included In [Abstract]      
Increase (decrease) in the fair value of the reinsurance contracts   (7)mloa_FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInReinsuranceContracts
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 (2)mloa_FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInReinsuranceContracts
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member
Closing Balance $ 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 $ 0us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
= us-gaap_FairValueInputsLevel3Member		 $ 7us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
/ us-gaap_FairValueByAssetClassAxis
= mloa_GmibReinsuranceMember
/ us-gaap_FairValueByFairValueHierarchyLevelAxis
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XML 68 R33.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (AVAILABLE FOR SALE SECURITIES) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Schedule of Available-for-sale Securities [Line Items]      
Fair Value $ 878us-gaap_AvailableForSaleSecurities $ 713us-gaap_AvailableForSaleSecurities  
Available For Sale Securities Debt Maturities Amortized Cost [Abstract]      
Due in one year or less, Amortized Cost 39us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost    
Due in years two through five, Amortized Cost 167us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost    
Due in years six through ten, Amortized Cost 560us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost    
Due after ten years, Amortized Cost 32us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost    
Subtotal 798us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis    
Debt Maturities, Amortized Cost Basis 832us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis    
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]      
Due in one year or less, Fair Value 40us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue    
Due in years two through five, Fair Value 179us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue    
Due in years six through ten, Fair Value 582us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue    
Due after ten years, Fair Value 33us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue    
Subtotal 834us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate    
Available For Sale Securities, Debt Maturities, Fair Value 860mloa_AvailableForSaleSecuritiesDebtMaturitiesFairValue1    
Available For Sale Fixed Maturities Proceeds Gross Gains And Gross Losses From Sales And Other Than Temporary Impairments [Abstract]      
Proceeds from sales 39us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 1,200us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities 13us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
Gross gains on sales 1mloa_AvailableForSaleSecuritiesGrossRealizedGainsCostBasisMethodologyOfSecuritiesSold 84mloa_AvailableForSaleSecuritiesGrossRealizedGainsCostBasisMethodologyOfSecuritiesSold 2mloa_AvailableForSaleSecuritiesGrossRealizedGainsCostBasisMethodologyOfSecuritiesSold
Gross losses on sales 1mloa_AvailableForSaleSecuritiesGrossRealizedLossesCostBasisMethodologyOfSecuritiesSold 9mloa_AvailableForSaleSecuritiesGrossRealizedLossesCostBasisMethodologyOfSecuritiesSold 1mloa_AvailableForSaleSecuritiesGrossRealizedLossesCostBasisMethodologyOfSecuritiesSold
Total other-than-temporary impairment losses (10)us-gaap_ImpairmentOfInvestments (6)us-gaap_ImpairmentOfInvestments (7)us-gaap_ImpairmentOfInvestments
Portion of loss recognized in other comprehensive income (loss) 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest 0us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxIncludingPortionAttributableToNoncontrollingInterest
Credit losses recognized in earnings (loss) (10)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (6)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (7)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
Fixed Maturities - Credit Loss Impairments      
Balance beginning of period (60)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld (72)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld  
Previously recognized impairments on securities that matured, paid, prepaid or sold 19us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold 18us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesSold  
Recognized impairments on securities impaired to fair value this period 0mloa_IntentToSellOtherThanTemporaryImpairmentLossesInvestments 0mloa_IntentToSellOtherThanTemporaryImpairmentLossesInvestments  
Impairments recognized this period on securities not previously impaired (9)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment (6)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsNoPreviousImpairment  
Additional impairments this period on securities previously impaired (1)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsAdditionalCreditLosses 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsAdditionsAdditionalCreditLosses  
Increases due to passage of time on previously recorded credit losses 0mloa_CreditLossImpairmentsIncreasesDueToPassageOfTimeOnPreviouslyRecordedCreditLosses 0mloa_CreditLossImpairmentsIncreasesDueToPassageOfTimeOnPreviouslyRecordedCreditLosses  
Accretion of previously recognized impairments due to increases in expected cash flows 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsCashFlows 0us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsCashFlows  
Balances at December 31, (51)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld (60)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld (72)us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCreditLossesOnDebtSecuritiesHeld
Protective Life [Member]      
Available For Sale Fixed Maturities Proceeds Gross Gains And Gross Losses From Sales And Other Than Temporary Impairments [Abstract]      
Proceeds from sales   1,090us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities
/ dei_LegalEntityAxis
= mloa_ProtectiveLifeMember		  
Gross gains on sales   81mloa_AvailableForSaleSecuritiesGrossRealizedGainsCostBasisMethodologyOfSecuritiesSold
/ dei_LegalEntityAxis
= mloa_ProtectiveLifeMember		  
Gross losses on sales   6mloa_AvailableForSaleSecuritiesGrossRealizedLossesCostBasisMethodologyOfSecuritiesSold
/ dei_LegalEntityAxis
= mloa_ProtectiveLifeMember		  
Corporate [Member]      
Schedule of Available-for-sale Securities [Line Items]      
Amortized Cost 765us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 608us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Gross Unrealized Gains 38us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 33us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Gross Unrealized Losses 2us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 8us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
Fair Value 801us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		 633us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_CorporateDebtSecuritiesMember		  
US Treasury Government And Agency [Member]      
Schedule of Available-for-sale Securities [Line Items]      
Amortized Cost 27us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 34us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		  
Gross Unrealized Gains   0us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		  
Fair Value 27us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		 34us-gaap_AvailableForSaleSecurities
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_USTreasuryAndGovernmentMember		  
State and Political Sub-divisions [Member]      
Schedule of Available-for-sale Securities [Line Items]      
Amortized Cost 6us-gaap_AvailableForSaleSecuritiesAmortizedCost
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
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Commercial Mortgage-backed [Member]      
Schedule of Available-for-sale Securities [Line Items]      
Amortized Cost 34us-gaap_AvailableForSaleSecuritiesAmortizedCost
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Available For Sale Securities Debt Maturities Amortized Cost [Abstract]      
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Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]      
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Redeemable preferred stock [Member]      
Schedule of Available-for-sale Securities [Line Items]      
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Schedule of Available-for-sale Securities [Line Items]      
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XML 69 R19.htm IDEA: XBRL DOCUMENT v2.4.1.9
STATUTORY FINANCIAL INFORMATION
 12 Months Ended
Dec. 31, 2014
Statutory Financial Information [Abstract]  
Statutory Financial Information

12) STATUTORY FINANCIAL INFORMATION

MLOA is restricted as to the amounts it may pay as dividends to AEFS. Under Arizona Insurance Law, a domestic life insurer may, without prior approval of the Superintendent, pay a dividend to its shareholder not exceeding an amount calculated based on a statutory formula. This formula would not permit MLOA to pay shareholder dividends during 2015. For 2014, 2013 and 2012, MLOA’s statutory net income (loss) was $12 million, $34 million and $33 million, respectively. Statutory surplus, capital stock and Asset Valuation Reserve (“AVR”) totaled $401 million and $367 million at December 31, 2014 and 2013, respectively. There were no shareholder dividends paid to its parent by MLOA in 2014, 2013 and 2012. In 2013 MLOA, utilized a portion of the consideration from the reinsurance agreement with Protective Life to return $200 million of surplus to its parent, AEFS.

At December 31, 2014, MLOA, in accordance with various government and state regulations, had $6 million of securities on deposit with such government or state agencies.

At December 31, 2014 and for the year then ended, there were no differences in net income (loss) and capital and surplus resulting from practices prescribed and permitted by the State of Arizona Insurance Department (the “AID”) and those prescribed by NAIC Accounting Practices and Procedures effective at December 31, 2014.

Accounting practices used to prepare statutory financial statements for regulatory filings of stock life insurance companies differ in certain instances from U.S. GAAP. The differences between statutory surplus and capital stock determined in accordance with Statutory Accounting Principles (“SAP”) and total shareholder’s equity under U.S. GAAP are primarily: (a) the inclusion in SAP of an AVR intended to stabilize surplus from fluctuations in the value of the investment portfolio; (b) future policy benefits and policyholders’ account balances under SAP differ from U.S. GAAP due to differences between actuarial assumptions and reserving methodologies; (c) certain policy acquisition costs are expensed under SAP but deferred under U.S. GAAP and amortized over future periods to achieve a matching of revenues and expenses; (d) under SAP, Federal income taxes are provided on the basis of amounts currently payable with limited recognition of deferred tax assets while under U.S. GAAP, deferred taxes are recorded for temporary differences between the financial statements and tax basis of assets and liabilities where the probability of realization is reasonably assured; (e) the valuation of assets under SAP and U.S. GAAP differ due to different investment valuation and depreciation methodologies, as well as the deferral of interest-related realized capital gains and losses on fixed income investments; (f) the valuation of the investment in Alliance Units under SAP reflects a portion of the market value appreciation rather than the equity in the underlying net assets as required under U.S. GAAP; (g) computer software development costs are capitalized under U.S. GAAP but expensed under SAP; (h) certain assets, primarily pre-paid assets, are not admissible under SAP but are admissible under U.S. GAAP (i) the fair valuing of all acquired assets and liabilities including VOBA assets required for U.S. GAAP purchase accounting and (j) cost of reinsurance is recognized as expense under SAP and amortized over the life of the underlying reinsured policies under U.S. GAAP.
XML 70 R15.htm IDEA: XBRL DOCUMENT v2.4.1.9
SHARE-BASED COMPENSATION
 12 Months Ended
Dec. 31, 2014
Shared Based Compensation [Abstract]  
SHARE BASED OMPENSATION

8) SHARE-BASED COMPENSATION

Certain employees of AXA Equitable, who perform services on a full-time basis for MLOA, participate in various share-based payment arrangements sponsored by AXA Financial. MLOA was allocated $2 million, $3 million and $3 million of compensation costs, included in Compensation and benefits in the statement of Earnings (Loss), for share-based payment arrangements during 2014, 2013 and 2012, respectively.
XML 71 R22.htm IDEA: XBRL DOCUMENT v2.4.1.9
INVESTMENTS (TABLES)
 12 Months Ended
Dec. 31, 2014
Investments Tables [Abstract]  
Available For Sale Securities [Text Block]
Available-for-Sale Securities by Classification
GrossGross
AmortizedUnrealizedUnrealizedFairOTTI
CostGainsLossesValuein AOCI(1)
(In Millions)
December 31, 2014:
Fixed Maturity Securities:
Corporate $765 $38 $2 $801 $-
U.S. Treasury, government
and agency27 --27 -
States and political subdivisions6 --6 -
Commercial mortgage-backed 34 3 11 26 1
Redeemable preferred stock 18 --18 -
Total at December 31, 2014$850 $41 $13 $878 $1
December 31, 2013:
Fixed Maturity Securities:
Corporate $608 $33 $8 $633 $-
U.S. Treasury, government
and agency34 --34 -
States and political subdivisions6 --6 -
Commercial mortgage-backed 46 1 23 24 1
Redeemable preferred stock 18 -2 16 -
Total at December 31, 2013$712 $34 $33 $713 $1
Investments Classified By Contractual Maturity Date [Table Text Block]
Available-for-Sale Fixed Maturity Securities
Contractual Maturities at December 31, 2014
Amortized CostFair Value
(In Millions)
Due in one year or less$39 $40
Due in years two through five167 179
Due in years six through ten560 582
Due after ten years32 33
Subtotal798 834
Commercial mortgage-backed securities34 26
Total$832 $860
Available For Sale Fixed Maturities Proceeds Gross Gains And Gross Losses From Sales And Other Than Temporary Impairments [Table Text Block]
December 31,
201420132012
(In Millions)
Proceeds from sales(1)$39 $1,200 $13
Gross gains on sales(2)$1 $84 $2
Gross losses on sales(3)$1 $9 $1
Total OTTI$(10)$(6)$(7)
Non-credit losses recognized in OCI---
Credit losses recognized in earnings (loss)$(10)$(6)$(7)
Fixed Maturities Credit Loss Impairments [Table Text Block]
Fixed Maturity Securities - Credit Loss Impairments
20142013
(In Millions)
Balances at January 1,$(60)$(72)
Previously recognized impairments on securities that matured, paid, prepaid or sold19 18
Recognized impairments on securities impaired to fair value this period(1)--
Impairments recognized this period on securities not previously impaired(9)(6)
Additional impairments this period on securities previously impaired(1)-
Increases due to passage of time on previously recorded credit losses--
Accretion of previously recognized impairments due to increases in expected cash flows--
Balances at December 31,$(51)$(60)
Unrealized Gain Loss On Investments [Table Text Block]
December 31,
20142013
(In Millions)
AFS Securities:
Fixed maturity securities:
With OTTI loss$(1)$(4)
All other29 5
Net Unrealized (Gains) Losses$28 $1
Unrealized Gain Loss On Investments With Other Than Temporary Impairment [Table Text Block]
Net Unrealized Gains (Losses) on Fixed Maturity Securities with OTTI Losses
AOCI Gain
Net(Loss) Related
UnrealizedDeferredto Net
GainsIncomeUnrealized
(Losses) onDAC andTax AssetInvestment
InvestmentsVOBA(Liability)Gains (Losses)
(In Millions)
Balance, January 1, 2014$(4)$(1)$2 $(3)
Net investment gains (losses) arising during the period----
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)3 --3
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-1 -1
Deferred income taxes--(2)(2)
Balance, December 31, 2014$(1)$-$-$(1)
Balance, January 1, 2013$2 $(1)$-$1
Net investment gains (losses) arising during the period(5)--(5)
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)(1)--(1)
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA----
Deferred income taxes--2 2
Balance, December 31, 2013$(4)$(1)$2 $(3)
Other Net Unrealized Investment Gains Losses In Accumulated Other Comprehensive Income [Table Text Block]
All Other Net Unrealized Investment Gains (Losses) in AOCI
AOCI Gain
Net(Loss) Related
UnrealizedDeferredto Net
GainsIncome Unrealized
(Losses) onDAC andTax AssetInvestment
InvestmentsVOBA(Liability)Gains (Losses)
(In Millions)
Balance, January 1, 2014$5 $12 $(6)$11
Net investment gains (losses) arising during the period17 --17
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)7 --7
Excluded from Net earnings (loss)(1)----
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-(14)-(14)
Deferred income taxes--(3)(3)
Balance, December 31, 2014$29 $(2)$(9)$18
Balance, January 1, 2013$156 $(31)$(44)$81
Net investment gains (losses) arising during the period(84)--(84)
Reclassification adjustment for OTTI losses:
Included in Net earnings (loss)(67)--(67)
Impact of net unrealized investment gains (losses) on:
DAC and VOBA-43 -43
Deferred income taxes--38 38
Balance, December 31, 2013$5 $12 $(6)$11
Schedule Of Unrealized Loss On Investments [Table Text Block]
Less Than 12 Months 12 Months or Longer Total
GrossGrossGross
UnrealizedUnrealizedUnrealized
Fair ValueLossesFair ValueLossesFair ValueLosses
(In Millions)
December 31, 2014
Fixed Maturity Securities:
Corporate$41 $(1)$38 $(1)$79 $(2)
U.S. Treasury, government
and agency16 ---16 -
States and political subdivisions1 ---1 -
Commercial mortgage-backed1 -20 (11)21 (11)
Redeemable preferred stock5 -4 -9 -
Total $64 $(1)$62 $(12)$126 $(13)
December 31, 2013
Fixed Maturity Securities:
Corporate$109 $(6)$38 $(2)$147 $(8)
U.S. Treasury, government
and agency21 ---21 -
States and political subdivisions1 ---1 -
Commercial mortgage-backed13 (13)8 (10)21 (23)
Redeemable preferred stock8 (2)--8 (2)
Total$152 $(21)$46 $(12)$198 $(33)
Allowance For Credit Losses On Financing Receivables [Table Text Block]
Commercial Mortgage Loans
201420132012
(In Millions)
Allowance for credit losses:
Beginning Balance, January 1,$3 $4 $3
Charge-offs(3)--
Recoveries-(1)-
Provision--1
Ending Balance, December 31,$-$3 $4
Ending Balance, December 31,:
Individually Evaluated for Impairment$-$3 $4
Debt Service Coverage Ratio [Table Text Block]
Mortgage Loans by Loan-to-Value and Debt Service Coverage Ratios
December 31, 2013
Debt Service Coverage Ratio
LessTotal
Greater1.8x to1.5x to1.2x to1.0x tothanMortgage
Loan-to-Value Ratio:(2)than 2.0x2.0x1.8x1.5x1.2x1.0xLoans
(In Millions)
Commercial Mortgage Loans(1)
0% - 50%$-$-$16 $-$-$-$16
50% - 70%---6 --6
70% - 90%-------
90% plus9 -----9
Total Commercial
Mortgage Loans$9 $-$16 $6 $-$-$31
Age Analysis Of Past Due Mortgage Loans [Table Text Block]
Age Analysis of Past Due Commercial Mortgage Loans
Recorded
Investment
Total> 90 Days
30-5960-8990 DaysFinancingand
DaysDaysor >TotalCurrentReceivablesAccruing
(In Millions)
December 31, 2013
Total Commercial
Mortgage Loans$-$-$-$-$31 $31 $-
Impaired Mortgage Loans [Table Text Block]
Commercial Mortgage Loans - Impaired
UnpaidAverageInterest
RecordedPrincipalRelatedRecordedIncome
InvestmentBalanceAllowanceInvestment(1)Recognized
(In Millions)
December 31, 2013
With no related allowance recorded$-$-$-$-$-
With related allowance recorded$9 $9 $(3)$10 $-
Equity Method Investments Roll Forward [Table Text Block]
20142013
(In Millions)
Balance at January 1,$70 $69
Equity in net earnings (loss)1 5
Dividends received(5)(4)
Other(3)-
Balance at December 31,$63 $70
Sumarrized Financial Information of Equity Method Investments [Table Text Block]
December 31,
20142013
(In Millions)
Balance Sheets:
Total Assets$ 7,378 $ 7,386
Total Liabilities 3,246 3,316
Redeemable non-controlling interest 17 -
Total Partners' Capital 4,116 4,070
Total Liabilities and Partners' Capital$ 7,379 $ 7,386
MLOA's Equity investment in AllianceBernstein$ 63 $ 70
201420132012
(In Millions)
Statements of Earnings (Loss):
Total revenues$ 3,005 $ 2,915 $ 2,737
Total Expenses 2,397 2,351 2,534
Net Earnings (Loss)$ 570 $ 518 $ 189
MLOA's Equity in earnings (loss) of AllianceBernstein$ 1 $ 5 $ 2
Schedule of Derivative Instruments [Table Text Block]
Derivative Instruments by Category
Fair Value
Gains (Losses)
Notional Asset LiabilityReported In
AmountDerivatives DerivativesEarnings (Loss)
(In Millions)
At or For the Year Ended December 31, 2014:
Freestanding derivatives:
Equity contracts:(1)
Options$307 $32 $6 $13
Net investment income (loss)13
Embedded derivatives:
MSO and IUL indexed features(3)--26 (13)
Balances, December 31, 2014$307 $32 $32 $-
At or For the Year Ended December 31, 2013:
Freestanding derivatives:
Equity contracts:(1)
Options$158 $20 $6 $8
Net investment income (loss)8
Embedded derivatives:
GMIB reinsurance contracts (2)---(7)
MSO and IUL indexed features(3)--14 (8)
Balances, December 31, 2013$158 $20 $20 $(7)
Offsetting Assets And Liabilities [Table Text Block]
Offsetting of Financial Assets and Liabilities and Derivative Instruments
At December 31, 2014
Gross
GrossAmountsNet Amounts
AmountsOffset in thePresented in the
RecognizedBalance SheetsBalance Sheets
(In Millions)
ASSETS
Description
Derivatives:
Equity contracts$32 $6 $26
Total Derivatives, subject to an ISDA Master Agreement(1)32 6 26
Other financial instruments64 -64
Other invested assets$96 $6 $90
LIABILITIES
Description
Derivatives:
Equity contracts$6 $6 $-
Total Derivatives, subject to an ISDA Master Agreement(1)6 6 -
Other financial liabilities63 -63
Other liabilities$69 $6 $63

Offsetting of Financial Assets and Liabilities and Derivative Instruments
At December 31, 2013
Gross
GrossAmountsNet Amounts
AmountsOffset in thePresented in the
RecognizedBalance SheetsBalance Sheets
(In Millions)
ASSETS
Description
Derivatives:
Equity contracts$20 $6 $14
Total Derivatives, subject to an ISDA Master Agreement(1)20 6 14
Other financial instruments70 -70
Other invested assets$90 $6 $84
LIABILITIES
Description
Derivatives:
Equity contracts$6 $6 $-
Total Derivatives, subject to an ISDA Master Agreement(1)6 6 -
Other financial liabilities83 -83
Other liabilities$89 $6 $83
Collateral Arrangements By Counterparty Not Offset In Consolidated Balancesheets [Table Text Block]
Gross Collateral Amounts Not Offset in the Balance Sheets
At December 31, 2014
Net AmountsCollateral (Received)/Held
Presented in theFinancialNet
Balance SheetsInstrumentsCashAmounts
(In Millions)
ASSETS
Counterparty A$5 $-$(5)$-
Counterparty F1 -(1)-
Counterparty G3 -(3)-
Counterparty H6 (6)--
Counterparty K6 -(6)-
Counterparty L4 -(4)-
Counterparty T1 -(1)-
Total Derivatives$26 $(6)$(20)$-
Other financial assets64 --64
Other invested assets$90 $(6)$(20)$64

Gross Collateral Amounts Not Offset in the Balance Sheets
At December 31, 2013
Net AmountsCollateral (Received)/Held
Presented in theFinancialNet
Balance SheetsInstrumentsCashAmounts
(In Millions)
ASSETS
Counterparty A$6 $-$(6)$-
Counterparty H1 --1
Counterparty K2 -(2)-
Counterparty L4 -(4)-
Total Derivatives$13 $-$(12)$1
Other financial assets71 --71
Other invested assets$84 $-$(12)$72
Net Investment Income Loss Investments Gains Losses [Table Text Block]
201420132012
(In Millions)
Fixed maturities$36 $79 $97
Mortgage loans on real estate2 2 9
Policy loans1 6 8
Derivative instruments13 8 -
Gross investment income (loss) 52 95 114
Investment expenses(2)(3)(4)
Net Investment Income (Loss) $50 $92 $110
Investment Gains Losses Net Including Changes In Valuation Allowances [Table Text Block]
201420132012
(In Millions)
Fixed maturities$(10)$67 $(5)
Impact of (repurchase) issuance of AllianceBernstein Units--(2)
Mortgage loans on real estate4 1 2
Investment Gains (Losses), Net$(6)$68 $(5)
XML 72 R20.htm IDEA: XBRL DOCUMENT v2.4.1.9
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (POLICY)
 12 Months Ended
Dec. 31, 2014
Significant Accounting Policies [Abstract]  
Basis Of Presentation [Policy Text Block]

Basis of Presentation

The preparation of the accompanying financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions (including normal, recurring accruals) that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from these estimates. The accompanying financial statements reflect all adjustments necessary in the opinion of management for a fair presentation of the financial position of MLOA and its results of operations and cash flows for the periods presented.

The years “2014”, “2013” and “2012” refer to the years ended December 31, 2014, 2013 and 2012, respectively. Certain reclassifications have been made in the amounts presented for prior periods to conform those periods to the current presentation.
Adoption Of New Accounting Pronouncements [Policy Text Block]

Adoption of New Accounting Pronouncements

In July 2013, the FASB issued new guidance on the presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. This guidance was effective for interim and annual periods beginning after December 15, 2013. Implementation of this guidance did not have a material impact on MLOA’s financial statements.

In February 2013, the Financial Accounting Standards Board (“FASB”) issued new guidance to improve the reporting of reclassifications out of accumulated other comprehensive income (loss) (“AOCI”). The guidance requires disclosure of reclassification information either in the notes or the face of the financial statements provided the information is presented in one location. This guidance was effective for interim and annual periods beginning after December 31, 2012. Implementation of this guidance did not have a material impact on MLOA’s financial statements. These new disclosures have been included in the Notes to MLOA’s financial statements, as appropriate.

Future Adoption Of New Accounting Pronouncements [Policy Text Block]

Future Adoption of New Accounting Pronouncements

In February 2015, the FASB issued a new consolidation standard that makes targeted amendments to the VIE assessment, including guidance specific to limited partnerships and similar entities, and ends the deferral granted to investment companies for applying the VIE guidance. The new standard is effective for annual periods, beginning after December 15, 2015, but may be early-adopted in any interim period. Management currently is evaluating the impacts this guidance may have on the MLOA’s financial statements.

In August 2014, the FASB issued new guidance which requires management to evaluate whether there is “substantial doubt” about the reporting entity’s ability to continue as a going concern and provide related footnote disclosures about those uncertainties, if they exist. The new guidance is effective for annual periods, ending after December 15, 2016 and interim periods thereafter. Management does not expect implementation of this guidance will have a material impact on MLOA’s financial statements.

Investment [Policy Text Block]

Investments

The carrying values of fixed maturities classified as available-for-sale (“AFS”) are reported at fair value. Changes in fair value are reported in comprehensive income. The amortized cost of fixed maturities is adjusted for impairments in value deemed to be other than temporary which are recognized in Investment gains (losses), net. The redeemable preferred stock investments that are reported in fixed maturities include real estate investment trusts (“REIT”), perpetual preferred stock and redeemable preferred stock. These securities may not have a stated maturity, may not be cumulative and do not provide for mandatory redemption by the issuer.

MLOA determines the fair values of fixed maturities and equity securities based upon quoted prices in active markets, when available, or through the use of alternative approaches when market quotes are not readily accessible or available. These alternative approaches include matrix or model pricing and use of independent pricing services, each supported by reference to principal market trades or other observable market assumptions for similar securities. More specifically, the matrix pricing approach to fair value is a discounted cash flow methodology that incorporates market interest rates commensurate with the credit quality and duration of the investment.

MLOA’s management, with the assistance of its investment advisors, monitors the investment performance of its portfolio and reviews AFS securities with unrealized losses for other-than-temporary impairments (“OTTI”). Integral to this review is an assessment made each quarter, on a security-by-security basis, by the Investments Under Surveillance (“IUS”) Committee, of various indicators of credit deterioration to determine whether the investment security is expected to recover. This assessment includes, but is not limited to, consideration of the duration and severity of the unrealized loss, failure, if any, of the issuer of the security to make scheduled payments, actions taken by rating agencies, adverse conditions specifically related to the security or sector, the financial strength, liquidity, and continued viability of the issuer and, for equity securities only, the intent and ability to hold the investment until recovery, and results in identification of specific securities for which OTTI is recognized.

If there is no intent to sell or likely requirement to dispose of the fixed maturity security before its recovery, only the credit loss component of any resulting OTTI is recognized in earnings (loss) and the remainder of the fair value loss is recognized in OCI. The amount of credit loss is the shortfall of the present value of the cash flows expected to be collected as compared to the amortized cost basis of the security. The present value is calculated by discounting management’s best estimate of projected future cash flows at the effective interest rate implicit in the debt security prior to impairment. Projections of future cash flows are based on assumptions regarding probability of default and estimates regarding the amount and timing of recoveries. These assumptions and estimates require use of management judgment and consider internal credit analyses as well as market observable data relevant to the collectability of the security. For mortgage- and asset-backed securities, projected future cash flows also include assumptions regarding prepayments and underlying collateral value.

Real estate held for the production of income, including real estate acquired in satisfaction of debt, is stated at depreciated cost less valuation allowances. At the date of foreclosure (including in-substance foreclosure), real estate acquired in satisfaction of debt is valued at estimated fair value. Impaired real estate is written down to fair value with the impairment loss being included in Investment gains (losses), net.

Depreciation of real estate held for production of income is computed using the straight-line method over the estimated useful lives of the properties, which generally range from 40 to 50 years.

Policy loans are stated at unpaid principal balances.

Equity securities, which include common stock and non-redeemable preferred stock classified as AFS securities, are carried at fair value and are included in Other invested assets with changes in fair value reported in OCI.

Units in AllianceBernstein L.P. (“AllianceBernstein”), a subsidiary of AXA Financial, are carried on the equity method and reported in Other invested assets.

Short-term investments are reported at amortized cost that approximates fair value and are included in Other invested assets.

Cash and cash equivalents includes cash on hand, amounts due from banks and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the recorded value is deemed to approximate fair value.

All securities owned, including United States government and agency securities and mortgage-backed securities, are reported in the financial statements on a trade date basis.
Derivatives [Policy Text Block]

Derivatives

Derivatives are financial instruments whose values are derived from interest rates, foreign exchange rates, financial indices, values of securities or commodities, credit spreads, market volatility, expected returns, and liquidity. Values can also be affected by changes in estimates and assumptions, including those related to counterparty behavior and non-performance risk used in valuation models. Derivative financial instruments generally used by MLOA include equity options and may be exchange-traded or contracted in the over-the-counter market. All derivative positions are carried in the balance sheets at fair value, generally by obtaining quoted market prices or through the use of valuation models.

Freestanding derivative contracts are reported in the balance sheets either as assets within “Other invested assets” or as liabilities within “Other liabilities.” MLOA nets the fair value of all derivative financial instruments with counterparties for which a standardized “ISDA Master Agreement” and related Credit Support Annex (“CSA”) have been executed. MLOA uses derivatives to manage asset/liability risk but has not designated those economic relationships under the criteria to qualify for hedge accounting treatment. All changes in the fair value of MLOA freestanding derivative positions, including net receipts and payments, are included in “Investment income (loss) from derivative instruments” without considering changes in the fair value of the economically associated assets or liabilities.

MLOA is a party to financial instruments and other contracts that contain “embedded” derivative instruments. At inception, MLOA assesses whether the economic characteristics of the embedded instrument are “clearly and closely related” to the economic characteristics of the remaining component of the “host contract” and whether a separate instrument with the same terms as the embedded instrument would meet the definition of a derivative instrument. When those criteria are satisfied, the resulting embedded derivative is bifurcated from the host contract, carried in the balance sheets at fair value, and changes in its fair value are recognized immediately and captioned in the statements of earnings (loss) according to the nature of the related host contract. For certain financial instruments that contain an embedded derivative that otherwise would need to be bifurcated and reported at fair value, the Company instead may elect to carry the entire instrument at fair value.
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]

Mortgage Loans on Real Estate (“mortgage loans”):

Mortgage loans are stated at unpaid principal balances, net of unamortized discounts and valuation allowances. Valuation allowances are based on the present value of expected future cash flows discounted at the loan’s original effective interest rate or on its collateral value if the loan is collateral dependent. However, if foreclosure is or becomes probable, the collateral value measurement method is used.

For commercial and agricultural mortgage loans, an allowance for credit loss is typically recommended when management believes it is probable that principal and interest will not be collected according to the contractual terms. Factors that influence management’s judgment in determining allowance for credit losses include the following:

Loan-to-value ratio – Derived from current loan balance divided by the fair market value of the property.  An allowance for credit loss is typically recommended when the loan-to-value ratio is in excess of 100%.   In the case where the loan-to-value is in excess of 100%, the allowance for credit loss is derived by taking the difference between the fair market value (less cost of sale) and the current loan balance.

Debt service coverage ratio – Derived from actual net operating income divided by annual debt service.  If the ratio is below 1.0x, then the income from the property does not support the debt.

Occupancy – Criteria varies by property type but low or below market occupancy is an indicator of sub-par property performance.

Lease expirations – The percentage of leases expiring in the upcoming 12 to 36 months are monitored as a decline in rent and/or occupancy may negatively impact the debt service coverage ratio.  In the case of single-tenant properties or properties with large tenant exposure, the lease expiration is a material risk factor.

Maturity – Mortgage loans that are not fully amortizing and have upcoming maturities within the next 12 to 24 months are monitored in conjunction with the capital markets to determine the borrower’s ability to refinance the debt and/or pay off the balloon balance.

Borrower/tenant related issues – Financial concerns, potential bankruptcy, or words or actions that indicate imminent default or abandonment of property.

Payment status – current vs. delinquent – A history of delinquent payments may be a cause for concern.

Property condition – Significant deferred maintenance observed during lenders annual site inspections.

Other – Any other factors such as current economic conditions may call into question the performance of the loan.

Mortgage loans also are individually evaluated quarterly by the IUS Committee for impairment, including an assessment of related collateral value. Commercial mortgages 60 days or more past due and agricultural mortgages 90 days or more past due, as well as all mortgages in the process of foreclosure, are identified as problem mortgages. Based on its monthly monitoring of mortgages, a class of potential problem mortgages are also identified, consisting of mortgage loans not currently classified as problems but for which management has doubts as to the ability of the borrower to comply with the present loan payment terms and which may result in the loan becoming a problem or being restructured. The decision whether to classify a performing mortgage loan as a potential problem involves significant subjective judgments by management as to likely future industry conditions and developments with respect to the borrower or the individual mortgaged property.

For problem mortgage loans a valuation allowance is established to provide for the risk of credit losses inherent in the lending process. The allowance includes loan specific reserves for mortgage loans determined to be non-performing as a result of the loan review process. A non-performing loan is defined as a loan for which it is probable that amounts due according to the contractual terms of the loan agreement will not be collected. The loan specific portion of the loss allowance is based on MLOA’s assessment as to ultimate collectability of loan principal and interest. Valuation allowances for a non-performing loan are recorded based on the present value of expected future cash flows discounted at the loan’s effective interest rate or based on the fair value of the collateral if the loan is collateral dependent. The valuation allowance for mortgage loans can increase or decrease from period to period based on such factors.

Impaired mortgage loans without provision for losses are mortgage loans where the fair value of the collateral or the net present value of the expected future cash flows related to the loan equals or exceeds the recorded investment. Interest income earned on mortgage loans where the collateral value is used to measure impairment is recorded on a cash basis. Interest income on mortgage loans where the present value method is used to measure impairment is accrued on the net carrying value amount of the loan at the interest rate used to discount the cash flows. Changes in the present value attributable to changes in the amount or timing of expected cash flows are reported as investment gains or losses.

Mortgage loans are placed on nonaccrual status once management believes the collection of accrued interest is doubtful. Once mortgage loans are classified as nonaccrual mortgage loans, interest income is recognized under the cash basis of accounting and the resumption of the interest accrual would commence only after all past due interest has been collected or the mortgage loan on real estate has been restructured to where the collection of interest is considered likely. At December 31, 2014 and 2013, the carrying values of commercial mortgage loans that had been classified as nonaccrual mortgage loans were $0 million and $6 million, respectively.

Troubled Debt Restructuring

When a loan modification is determined to be a troubled debt restructuring, the impairment of the loan is re-measured by discounting the expected cash flows to be received based on the modified terms using the loan’s original effective yield, and the allowance for loss is adjusted accordingly. Subsequent to the modification, income is recognized prospectively based on the modified terms of the mortgage loans. Additionally, the loan continues to be subject to the credit review process noted above.
Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses) [Policy Text Block]

Net Investment Income (Loss), Investment Gains (Losses), Net and Unrealized Investment Gains (Losses)

Realized investment gains (losses) are determined by identification with the specific asset and are presented as a component of revenue. Changes in the valuation allowances are included in Investment gains (losses), net.

Unrealized investment gains (losses) on fixed maturities and equity securities designated as AFS held by MLOA are accounted for as a separate component of AOCI, net of related deferred income taxes and amounts attributable to DAC and value of business acquired (“VOBA”) related to variable life and investment-type products.

Changes in unrealized gains (losses) reflect changes in fair value of only those fixed maturities classified as AFS and do not reflect any changes in fair value of policyholders’ account balances and future policy benefits.
Fair Value of Other Financial Instruments [Policy Text Block]

Fair Value of Financial Instruments

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The accounting guidance established a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:

Level 1 Unadjusted quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.

Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.

Level 3 Unobservable inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity’s own assumptions about the cash flows or other significant components of value that market participants would use in pricing the asset or liability.

MLOA defines fair value as the unadjusted quoted market prices for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using present value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected future cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time MLOA’s entire holdings of a particular financial instrument, nor do they consider the tax impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.

Management is responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, MLOA often utilizes independent valuation service providers to gather, analyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuation model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-observable information, as applicable. Specific attributes of the security being valued also are considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific information. When insufficient market observable information is available upon which to measure fair value, MLOA either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ widely accepted internal valuation models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.
Recognition of Insurance Income and Related Expenses [Policy Text Block]

Recognition of Insurance Income and Related Expenses

Deposits related to variable life and investment-type contracts are reported as increase to policyholders’ account balances. Revenues from these contracts consist of fees assessed during the period against policyholders’ account balances for mortality charges, policy administration charges and surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred in the period in excess of related policyholders’ account balances.

Premiums from non-participating traditional life and annuity policies with life contingencies generally are recognized in income when due. Benefits and expenses are matched with such income so as to result in the recognition of profits over the life of the contracts. This match is accomplished by means of the provision for liabilities for future policy benefits and the deferral and subsequent amortization of policy acquisition costs.

For contracts with a single premium or a limited number of premium payments due over a significantly shorter period than the total period over which benefits are provided, premiums are recorded as revenue when due with any excess profit deferred and recognized in income in a constant relationship to insurance in-force or, for annuities, the amount of expected future benefit payments.
DAC and VOBA [Policy Text Block]

DAC and VOBA

DAC. Acquisition costs that vary with and are primarily related to the acquisition of new and renewal insurance business, reflecting incremental direct costs of contract acquisition with independent third parties or employees that are essential to the contract transaction, as well as the portion of employee compensation, including payroll fringe benefits and other costs directly related to underwriting, policy issuance and processing, medical inspection, and contract selling for successfully negotiated contracts including commissions, underwriting, agency and policy issue expenses, are deferred. DAC is subject to recoverability testing at the time of policy issue and loss recognition testing at the end of each accounting period.

After the initial establishment of reserves, premium deficiency and loss recognition tests are performed each period end using best estimate assumptions as of the testing date without provisions for adverse deviation. When the liabilities for future policy benefits plus the present value of expected future gross premiums for the aggregate product group are insufficient to provide for expected future policy benefits and expenses for that line of business (i.e., reserves net of any DAC asset), DAC would first be written off and thereafter, if required, a premium deficiency reserve would be established by a charge to earnings.

VOBA. VOBA, which arose from MLOA’s 2004 acquisition by AXA Financial, was established in accordance with purchase accounting guidance for business combinations. VOBA is the actuarially determined present value of estimated future gross profits from insurance contracts in force at the date of the acquisition. VOBA is amortized over the expected life of the contracts (up to 50 years from the date of issue) according to the type of contract using the methods described below as applicable. VOBA is subject to loss recognition testing at the end of each accounting period.

Amortization Policy. For universal life (“UL”) and investment-type products, DAC and VOBA are amortized over the expected total life of the contract group as a constant percentage of estimated gross profits arising principally from investment results, Separate Account fees, mortality and expense margins and surrender charges based on historical and anticipated future experience, updated at the end of each accounting period. When estimated gross profits are expected to be negative for multiple years of a contract life, DAC and VOBA are amortized using the present value of estimated assessments. The effect on the amortization of DAC and VOBA of revisions to estimated gross profits or assessments is reflected in earnings in the period such estimated gross profits or assessments are revised. A decrease in expected gross profits or assessments would accelerate DAC and VOBA amortization. Conversely, an increase in expected gross profits or assessments would slow DAC and VOBA amortization. The effect on the DAC and VOBA assets that would result from realization of unrealized gains (losses) is recognized with an offset to AOCI in shareholders’ equity as of the balance sheet date.

A significant assumption in the amortization of DAC and VOBA on variable and interest-sensitive life insurance relates to projected future Separate Account performance. Management sets estimated future gross profit or assessment assumptions related to Separate Account performance using a long-term view of expected average market returns by applying a reversion to the mean approach, a commonly used industry practice. This future return approach influences the projection of fees earned, as well as other sources of estimated gross profits. Returns that are higher than expectations for a given period produce higher than expected account balances, increase the fees earned resulting in higher expected future gross profits and lower DAC and VOBA amortization for the period. The opposite occurs when returns are lower than expected.

In applying this approach to develop estimates of future returns, it is assumed that the market will return to an average gross long-term return estimate, developed with reference to historical long-term equity market performance. Currently, the average gross long-term return estimate is measured from December 31, 2008. Management has set limitations as to maximum and minimum future rate of return assumptions, as well as a limitation on the duration of use of these maximum or minimum rates of return. At December 31, 2014, the average gross short-term and long-term annual return estimate on variable and interest-sensitive life insurance was 9.0% (7.00% net of product weighted average Separate Account fees), and the gross maximum and minimum short-term annual rate of return limitations were 15.0% (13.00% net of product weighted average Separate Account fees) and 0.0% (-2.00% net of product weighted average Separate Account fees), respectively. The maximum duration over which these rate limitations may be applied is 5 years. This approach will continue to be applied in future periods. These assumptions of long-term growth are subject to assessment of the reasonableness of resulting estimates of future return assumptions.

If actual market returns continue at levels that would result in assuming future market returns of 15.0% for more than 5 years in order to reach the average gross long-term return estimate, the application of the 5 year maximum duration limitation would result in an acceleration of DAC and VOBA amortization. Conversely, actual market returns resulting in assumed future market returns of 0.0% for more than 5 years would result in a required deceleration of DAC and VOBA amortization. At December 31, 2014, current projections of future average gross market returns assume a 0.0% annualized return for the next eight quarters, which is the minimum limitation, grading to a reversion to the mean of 9.0% in ten quarters.

In addition, projections of future mortality assumptions related to variable and interest-sensitive life products are based on a long-term average of actual experience. This assumption is updated quarterly to reflect recent experience as it emerges. Improvement of life mortality in future periods from that currently projected would result in future deceleration of DAC and VOBA amortization. Conversely, deterioration of life mortality in future periods from that currently projected would result in future acceleration of DAC and VOBA amortization. Generally, life mortality experience has been improving in recent years.

Other significant assumptions underlying gross profit estimates for UL and investment-type products relate to contract persistency and General Account investment spread.
Deferred Cost Of Or Gain On Reinsurance [Policy Text Block]

Deferred Cost of or Gain on Reinsurance

The cost of or gain on reinsurance at the inception of a coinsurance treaty, defined as the difference between the initial coinsurance premium paid and the amount of the net liabilities relating to the underlying reinsured policies in accordance with the reinsurance agreement, net of the ceded commission received is deferred and amortized over the lives of the underlying policies.
Policyholders Account Balances and Future Policy Benefits [Policy Text Block]

Policyholders’ Account Balances and Future Policy Benefits

Policyholders’ account balances for variable life and investment-type contracts are equal to the policy account values. The policy account values represent an accumulation of gross premium payments plus credited interest less expense and mortality charges and withdrawals.

MLOA had issued certain variable annuity products with a guaranteed minimum death benefit (“GMDB”) feature. MLOA also had issued certain variable annuity products that contain a GMIB feature which, if elected by the policyholder after a stipulated waiting period from contract issuance, guarantees a minimum lifetime annuity based on predetermined annuity purchase rates that may be in excess of what the contract account value can purchase at then-current annuity purchase rates. This minimum lifetime annuity is based on predetermined annuity purchase rates applied to a GMIB base. Reserves for GMDB and GMIB obligations are calculated on the basis of actuarial assumptions related to projected benefits and related contract charges generally over the lives of the contracts using assumptions consistent with those used in estimating gross profits for purposes of amortizing DAC and VOBA. The determination of this estimated liability is based on models that involve numerous estimates and subjective judgments, including those regarding expected market rates of return and volatility, contract surrender and withdrawal rates, mortality experience, and, for contracts with the GMIB feature, GMIB election rates. Assumptions regarding Separate Account performance used for purposes of this calculation are set using a long-term view of expected average market returns by applying a reversion to the mean approach, consistent with that used for DAC and VOBA amortization. There can be no assurance that actual experience will be consistent with management’s estimates. MLOA’s variable annuity contracts with GMDB and GMIB features in-force that guarantee one of the following:

Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals);

Ratchet: the benefit is the greatest of current account value, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals);

Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals) accumulated at contractually specified interest rates up to specified ages; or

Combo: the benefit is the greater of the ratchet benefit or the roll-up benefit which may include a five-year or an annual reset.

In connection with the reinsurance agreement with Protective Life, MLOA has reinsured 100% of the risk associated with variable annuity products with GMDB and GMIB features.

For reinsurance contracts other than those covering GMIB exposure, reinsurance recoverable balances were calculated using methodologies and assumptions that are consistent with those used to calculate the direct liabilities.

For non-participating traditional life insurance policies, future policy benefit liabilities are estimated using a net level premium method on the basis of actuarial assumptions as to mortality, persistency and interest established at policy issue. Assumptions established at policy issue as to mortality and persistency are based on MLOA’s experience that, together with interest and expense assumptions, includes a margin for adverse deviation. Benefit liabilities for traditional annuities during the accumulation period are equal to accumulated contractholders’ fund balances and, after annuitization, are equal to the present value of expected future payments.

When the liabilities for future policy benefits plus the present value of expected future gross premiums for a product are insufficient to provide for expected future policy benefits and expenses for that product, DAC and VOBA are written off and thereafter, if required, a premium deficiency reserve is established by a charge to earnings.
Separate Accounts [Policy Text Block]

Separate Accounts

Generally, Separate Accounts established under Arizona State Insurance Law are not chargeable with liabilities that arise from any other business of MLOA. Separate Accounts assets are subject to General Account claims only to the extent Separate Accounts assets exceed Separate Accounts liabilities. Assets and liabilities of the Separate Accounts represent the net deposits and accumulated net investment earnings (loss) less fees, held primarily for the benefit of contractholders, and for which MLOA does not bear the investment risk. Separate Accounts’ assets and liabilities are shown on separate lines in the balance sheets. Assets held in Separate Accounts are reported at quoted market values or, where quoted values are not readily available or accessible for these securities, their fair value measures most often are determined through the use of model pricing that effectively discounts prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security’s duration, also taking into consideration issuer-specific credit quality and liquidity. The assets and liabilities of two Separate Accounts are presented and accounted for as General Account assets and liabilities due to the fact that not all of the investment performance in those Separate Accounts is passed through to policyholders. Investment assets in these Separate Accounts principally consist of fixed maturities that are classified as AFS in the accompanying consolidated financial statements.

The investment results of Separate Accounts, including unrealized gains (losses), on which MLOA does not bear the investment risk are reflected directly in Separate Accounts liabilities and are not reported in revenues in the statements of earnings (loss). For 2014, 2013 and 2012, investment results of such Separate Accounts were gains (losses) of $24 million, $256 million and $196 million, respectively.

Deposits to Separate Accounts are reported as increases in Separate Accounts liabilities and are not reported in revenues. Mortality, policy administration and surrender charges on all policies including those funded by Separate Accounts are included in revenues.

MLOA reports the General Account’s interests in Separate Accounts as other invested assets in the balance sheets.
Other Accounting Policies [Policy Text Block]

Other Accounting Policies

AXA Financial and certain of its consolidated subsidiaries and affiliates, including MLOA, file a consolidated Federal income tax return. MLOA provides for Federal and state income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabilities. Current Federal income taxes are charged or credited to operations based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.  Deferred income tax assets and liabilities are recognized based on the difference between financial statement carrying amounts and income tax bases of assets and liabilities using enacted income tax rates and laws. Valuation allowances are established when management determines, based on available information, that it is more likely than not that deferred tax assets will not be realized.

 

Under accounting for uncertainty in income taxes guidance, MLOA determines whether it is more likely than not that a tax position will be sustained upon examination by the appropriate taxing authorities before any part of the benefit can be recorded in the financial statements.  Tax positions are then measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement.

Out of Period Adjustments

In 2014, MLOA recorded an out-of-period adjustment in its financial statements related to an overstatement of shadow VOBA in shareholder’s equity, which subsequently resulted in an overstatement of the deferred cost of reinsurance asset. In addition in 2014, MLOA recorded an out-of- period adjustment related to the application of the equity method of accounting for its investment in AllianceBernstein. The impact of these out-of-period adjustments resulted in a $2 million decrease in Net earnings ($3 million before taxes) and an $8 million decrease to other comprehensive income in 2014. In 2013, MLOA recorded an out-of-period adjustment in its financial statements related to an understatement of the current and deferred tax liability. The net impact of this out-of-period adjustment increased Current and deferred income taxes and Income tax expense by $2 million in 2013. Management has evaluated the impact of all out of period corrections both individually and in the aggregate and concluded they are not material to any previously reported annual financial statements.
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DOCUMENT AND ENTITY INFORMATION
 12 Months Ended
Dec. 31, 2014
Apr. 24, 2015
Document And Entity Information [Abstract]    
Document Type S-1  
Document Period End Date Dec. 31, 2014  
Document Fiscal Period Focus FY  
Document Fiscal Year Focus 2014  
Amendment Flag false  
Entity Registrant Name MONY LIFE INSURANCE CO OF AMERICA  
Entity Central Index Key 0000835357  
Entity Current Reporting Status Yes  
Entity Voluntary Filers No  
Current Fiscal Year End Date --12-31  
Entity Filer Category Non-accelerated Filer  
Entity Well Known Seasoned Issuer No  
Entity Common Stock Shares Outstanding   2,500,000dei_EntityCommonStockSharesOutstanding
XML 74 R21.htm IDEA: XBRL DOCUMENT v2.4.1.9
ORGANIZATION (TABLES)
 12 Months Ended
Dec. 31, 2014
Organization Tables [Abstract]  
Schedule Of Deferred Cost Of Reinsurance [Table Text Block]
Calculation of deferred cost of reinsurance
October 1, 2013
(In Millions)
Transferred or Ceded Assets (Net of Ceding Commission):
Fixed Maturities$ 1,102
Cash 74
Policy loans 132
Total assets transferred or ceded (Net of Ceding Commission)$ 1,308
Transferred Liabilities:
Future policyholder benefits and other policyholders liabilities$ 1,334
Amounts due to reinsurer 40
Total liabilities transferred$ 1,374
Accelerated Amortization of Assets and Liabilities As Part of the Reinsurance Agreement:
Value of business acquired$ 117
Deferred policy acquisition costs 71
Initial Fee Liability (27)
Net accelerated amortization of assets and liabilities$ 161
Deferred Cost of Reinsurance$ 95

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INVESTMENTS (Derivatives) (DETAILS) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Derivative Instrument Detail [Abstract]    
Cash And Securities Collateral For Derivative Contract $ 26mloa_CashAndSecuritiesCollateralForDerivativeContract $ 12mloa_CashAndSecuritiesCollateralForDerivativeContract
Derivatives, Fair Value [Line Items]    
Derivative, Notional Amount 307invest_DerivativeNotionalAmount 158invest_DerivativeNotionalAmount
Derivative Asset, Fair Value, Net 32us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral 20us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral
Derivative Liability, Fair Value, Net 32us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral 20us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
Gain (losses) reported in net earnings (losses) 0mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1 (7)mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
Equity Contracts Options [Member]    
Derivatives, Fair Value [Line Items]    
Derivative, Notional Amount 307invest_DerivativeNotionalAmount
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember		 158invest_DerivativeNotionalAmount
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember
Derivative Asset, Fair Value, Net 32us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember		 20us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember
Derivative Liability, Fair Value, Net 6us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember		 6us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember
Gain (losses) reported in net earnings (losses) 13mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember		 8mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_StockOptionMember
GMIB Reinsurance Contracts [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset, Fair Value, Net   0us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_GmibReinsuranceMember
Gain (losses) reported in net earnings (losses)   (7)mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_GmibReinsuranceMember
Net Investment Income (Loss) [Member]    
Derivatives, Fair Value [Line Items]    
Gain (losses) reported in net earnings (losses) 13mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_InvestmentIncomeMember		 8mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= us-gaap_InvestmentIncomeMember
MSO and IUL indexed features [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Liability, Fair Value, Net 26us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_NonGmxbEmbeddedDerivativeInsuranceProductsMember		 14us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_NonGmxbEmbeddedDerivativeInsuranceProductsMember
Gain (losses) reported in net earnings (losses) $ (13)mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_NonGmxbEmbeddedDerivativeInsuranceProductsMember		 $ (8)mloa_DerivativeInstumentsGainLossRecognizedInIncomeNet1
/ us-gaap_DerivativeInstrumentRiskAxis
= mloa_NonGmxbEmbeddedDerivativeInsuranceProductsMember