Reserve for Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2019

Liability for Unpaid Claims and Claims Adjustment Expense, Activity in Liability [Abstract]

Liabilities for Unpaid Losses and Loss Adjustment Expenses

(Favorable) Unfavorable Prior Accident Year Development

	For the years ended December 31,
	2019			2018			2017
Workers’ compensation	$	(120	)	$	(164	)	$	(79	)
Workers’ compensation discount accretion	33			40			28
General liability	61			52			11
Marine	8			—			—
Package business	(47		)	(26		)	(25		)
Commercial property	(11		)	(12		)	(8		)
Professional liability	29			(12		)	1
Bond	(3		)	2			32
Assumed Reinsurance	3			—			—
Automobile liability - Commercial Lines	27			(15		)	17
Automobile liability - Personal Lines	(38		)	(18		)	—
Homeowners	3			(25		)	(14		)
Net asbestos reserves	—			—			—
Net environmental reserves	—			—			—
Catastrophes	(42		)	(49		)	(16		)
Uncollectible reinsurance	(30		)	22			(15		)
Other reserve re-estimates, net	46			38			27
Total prior accident year development, including full benefit for the ADC cession	(81		)	(167		)	(41		)
Change in deferred gain on retroactive reinsurance included in other liabilities	16			—			—
Total prior accident year development	$	(65	)	$	(167	)	$	(41	)

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

	For the years ended December 31,
	2019			2018			2017
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	24,584		$	23,775		$	22,545
Reinsurance and other recoverables	4,232			3,957			3,488
Beginning liabilities for unpaid losses and loss adjustment expenses, net	20,352			19,818			19,057
Navigators Group acquisition	2,001			—			—
Provision for unpaid losses and loss adjustment expenses
Current accident year	7,463			7,107			7,381
Prior accident year development [1]	(65		)	(167		)	(41		)
Total provision for unpaid losses and loss adjustment expenses	7,398			6,940			7,340
Change in deferred gain on retroactive reinsurance included in other liabilities [1]	(16		)	—			—
Payments
Current accident year	(2,374		)	(2,452		)	(2,751		)
Prior accident years	(4,374		)	(3,954		)	(3,828		)
Total payments	(6,748		)	(6,406		)	(6,579		)
Foreign currency adjustment	(1		)	—			—
Ending liabilities for unpaid losses and loss adjustment expenses, net	22,986			20,352			19,818
Reinsurance and other recoverables	5,275			4,232			3,957
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	28,261		$	24,584		$	23,775

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

	For the years ended December 31,
	2019			2018			2017
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	8,445		$	8,512		$	5,772
Reinsurance recoverables	239			209			208
Beginning liabilities for unpaid losses and loss adjustment expenses, net	8,206			8,303			5,564
Aetna U.S. group life and disability business acquisition [1]	—			42			2,833
Provision for unpaid losses and loss adjustment expenses
Current incurral year	4,385			4,470			2,868
Prior year's discount accretion	219			227			202
Prior incurral year development [2]	(410		)	(324		)	(185		)
Total provision for unpaid losses and loss adjustment expenses [3]	4,194			4,373			2,885
Payments
Current incurral year	(2,277		)	(2,377		)	(1,528		)
Prior incurral years	(2,114		)	(2,135		)	(1,451		)
Total payments	(4,391		)	(4,512		)	(2,979		)
Ending liabilities for unpaid losses and loss adjustment expenses, net	8,009			8,206			8,303
Reinsurance recoverables	247			239			209
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	8,256		$	8,445		$	8,512

[1] Amount recognized in 2018 represents an adjustment to Aetna U.S. group life and disability business reserves, net of reinsurance as of the acquisition date, upon finalization of the opening balance sheet.

[2] Prior incurral year development represents the change in estimated ultimate incurred losses and loss adjustment expenses for prior incurral years on a discounted basis.

[3]

Includes unallocated loss adjustment expenses of $178, $194 and $111 for the years ended December 31, 2019, 2018 and 2017, respectively, that are recorded in insurance operating costs and other expenses in the Consolidated Statements of Operations.

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance

Property and Casualty Insurance Products Reserves, Net of Reinsurance, that are Discounted

	For the years ended December 31,
	2019						2018						2017
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	1,331					$	1,331					$	1,387
Amount of discount	388						388						410
Carrying value of liability for unpaid losses and loss adjustment expenses	$	943					$	943					$	977
Discount accretion included in losses and loss adjustment expenses	$	33					$	40					$	30
Weighted average discount rate	2.91					%	2.98					%	3.06					%
Range of discount rates	1.76		%	-	14.03	%	1.77		%	-	14.15	%	1.77		%	-	14.15	%

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	(Unaudited)
Reserve Line	1st Year		2nd Year		3rd Year		4th Year		5th Year		6th Year		7th Year		8th Year		9th Year		10th Year
Workers' compensation	15.6	%	19.3	%	12.7	%	8.7	%	5.9	%	4.3	%	2.9	%	2.6	%	1.8	%	1.6	%
General liability	2.9	%	8.4	%	15.0	%	18.5	%	15.8	%	10.5	%	7.5	%	4.4	%	2.5	%	1.9	%
Marine	26.7	%	32.3	%	17.9	%	8.8	%	7.1	%	2.3	%	2.6	%	2.5	%
Package business	37.4	%	21.6	%	10.4	%	8.7	%	5.8	%	3.3	%	2.2	%	1.0	%	0.6	%	0.3	%
Commercial property	53.8	%	30.5	%	7.4	%	3.1	%	0.8	%	0.3	%	0.1	%	(0.2	%)
Commercial automobile liability	16.9	%	21.0	%	20.8	%	17.8	%	11.8	%	4.3	%	2.7	%	1.4	%	0.7	%	0.3	%
Commercial automobile physical damage	89.1	%	7.8	%	(0.4	)%
Professional liability	5.4	%	18.8	%	17.5	%	14.0	%	11.1	%	5.7	%	2.7	%	1.0	%
Bond	13.8	%	27.2	%	12.6	%	4.8	%	1.9	%	2.2	%	5.7	%	0.5	%	1.8	%	(6.2	%)
Assumed Reinsurance	37.7	%	39.0	%	7.4	%	4.7	%	8.8	%	2.3	%	0.9	%	0.7	%
Personal automobile liability	36.3	%	33.1	%	15.6	%	7.6	%	3.2	%	1.1	%	0.5	%	0.2	%	0.1	%	—	%
Personal automobile physical damage	96.3	%	3.0	%	(0.3	%)
Homeowners	69.6	%	21.5	%	3.3	%	1.2	%	0.6	%	0.3	%	0.1	%	0.1	%	—	%	0.1	%

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	(Unaudited)
	1st Year		2nd Year		3rd Year		4th Year		5th Year		6th Year		7th Year		8th Year		9th Year
Group long-term disability	7.4	%	24.8	%	15.5	%	8.6	%	6.3	%	5.4	%	4.6	%	3.9	%	3.4	%
Group life and accident, excluding premium waiver	78.6	%	19.6	%	0.9	%

Group Life, Disability and Accident Products Reserves, Net of Reinsurance, that are Discounted

	For the years ended December 31,
	2019						2018						2017
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	8,636					$	8,957					$	9,071
Amount of discount	(1,401					)	(1,505					)	(1,536					)
Carrying value of liability for unpaid losses and loss adjustment expenses	$	7,235					$	7,452					$	7,535
Weighted average discount rate	3.4					%	3.4					%	3.5					%
Range of discount rate	2.1		%	-	8.0	%	2.1		%	-	8.0	%	2.1		%	-	8.0	%

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses As of December 31, 2019

	Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance												Subtotal
Reserve Line	Cumulative Incurred for Accident Years Displayed in Triangles		Cumulative Paid for Accident Years Displayed in Triangles			Unpaid for Accident Years not Displayed in Triangles		Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance		Discount			Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance		Reinsurance and Other Recoverables			Liability for Unpaid Losses and Loss Adjustment Expenses
Workers' compensation	$	18,990	$	(10,991	)	$	2,446	$	345	$	(372	)	$	10,418	$	2,093		$	12,511
General liability	5,711		(2,828		)	471		140		—			3,494		630			4,124
Marine	1,226		(974		)	19		8		—			279		135			414
Package business	6,817		(5,215		)	49		91		—			1,742		33			1,775
Commercial property	2,939		(2,520		)	29		13		—			461		162			623
Commercial automobile liability	3,698		(2,739		)	11		22		—			992		73			1,065
Commercial automobile physical damage	206		(194		)	3		—		—			15		(1		)	14
Professional liability	1,796		(863		)	86		31		—			1,050		549			1,599
Bond	637		(353		)	29		24		—			337		13			350
Assumed Reinsurance	1,005		(824		)	4		5		—			190		25			215
Personal automobile liability	11,985		(10,518		)	25		68		—			1,560		27			1,587
Personal automobile physical damage	1,531		(1,507		)	6		3		—			33		—			33
Homeowners	7,443		(6,958		)	4		38		—			527		41			568
Other ongoing business						231		—		(16		)	215		312			527
Asbestos and environmental [1]						1,147		—		—			1,147		1,219			2,366
Other operations [1]						375		151		—			526		(36		)	490
Total P&C	$	63,984	$	(46,484	)	$	4,935	$	939	$	(388	)	$	22,986	$	5,275		$	28,261

[1] Asbestos and environmental and other operations include asbestos, environmental and other latent exposures not foreseen when coverages were written, including, but not limited to, potential liability for pharmaceutical products, silica, talcum powder, head injuries, lead paint, construction defects, molestation and other long-tail liabilities. These reserve lines do not have significant paid or incurred loss development for the most recent ten accident years and therefore do not have loss development displayed in triangles.

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses as of December 31, 2019

	Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance												Subtotal
Reserve Line	Cumulative Incurred for Incurral Years Displayed in Triangles		Cumulative Paid for Incurral Years Displayed in Triangles			Unpaid for Incurral Years not Displayed in Triangles		Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance		Discount			Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance		Reinsurance and Other Recoverables		Liability for Unpaid Losses and Loss Adjustment Expenses
Group long-term disability	$	13,157	$	(7,316	)	$	1,874	$	173	$	(1,272	)	$	6,616	$	236	$	6,852
Group life and accident, excluding premium waiver	5,793		(5,332		)	134		3		(18		)	580		1		581
Group short-term disability						114		4		—			118		—		118
Group life premium waiver						758		10		(111		)	657		2		659
Group supplemental health						38		—		—			38		8		46
Total Group Benefits	$	18,950	$	(12,648	)	$	2,918	$	190	$	(1,401	)	$	8,009	$	247	$	8,256

Losses and Allocated Loss Adjustments Expense, Net of Reinsurance

Workers' Compensation

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	1,560	$	1,775	$	1,814	$	1,858	$	1,857	$	1,882	$	1,881	$	1,878	$	1,892	$	1,888	$	221	156,802
2011			2,013		2,099		2,204		2,206		2,221		2,224		2,232		2,242		2,239		314		177,910
2012					2,185		2,207		2,207		2,181		2,168		2,169		2,154		2,146		350		171,341
2013							2,020		1,981		1,920		1,883		1,861		1,861		1,850		415		151,315
2014									1,869		1,838		1,789		1,761		1,713		1,692		477		126,104
2015											1,873		1,835		1,801		1,724		1,714		540		113,819
2016													1,772		1,772		1,780		1,767		665		111,763
2017															1,862		1,869		1,840		864		111,096
2018																	1,916		1,917		1,039		116,915
2019																			1,937		1,359		110,515
Total																			$	18,990

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	316	$	709	$	970	$	1,154	$	1,287	$	1,374	$	1,439	$	1,489	$	1,522	$	1,553
2011			371		841		1,156		1,368		1,518		1,622		1,690		1,746		1,786
2012					359		809		1,106		1,313		1,436		1,529		1,587		1,644
2013							304		675		917		1,071		1,175		1,260		1,304
2014									275		598		811		960		1,041		1,099
2015											261		576		778		909		1,004
2016													255		579		779		908
2017															261		575		778
2018																	283		624
2019																			291
Total																			$	10,991

General Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	436	$	445	$	432	$	437	$	428	$	431	$	465	$	467	$	483	$	482	$	41	23,941
2011			431		420		408		405		404		416		417		426		420		48		22,310
2012					423		402		399		392		410		408		421		413		65		16,501
2013							455		442		456		484		488		502		505		77		13,643
2014									506		475		481		494		513		522		114		14,318
2015											556		560		554		594		633		141		15,088
2016													613		583		607		633		254		15,984
2017															626		614		613		359		15,039
2018																	692		669		516		15,368
2019																			821		744		11,628
Total																			$	5,711

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	20	$	68	$	149	$	230	$	284	$	327	$	387	$	409	$	418	$	427
2011			15		61		123		200		255		303		330		348		362
2012					13		55		101		170		233		280		305		323
2013							13		53		141		233		320		372		398
2014									15		42		130		214		304		358
2015											10		55		156		278		409
2016													12		52		131		283
2017															15		67		156
2018																	21		83
2019																			29
Total																			$	2,828

Marine

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves			Claims Reported
2012	$	195	$	219	$	179	$	168	$	163	$	163	$	167	$	163	$	—		6,766
2013			148		152		134		135		139		134		137		(2		)	6,601
2014					163		159		157		164		163		168		(1		)	7,093
2015							158		145		145		148		133		(8		)	10,038
2016									139		142		137		147		(3		)	12,959
2017											160		186		174		3			15,216
2018													144		160		5			13,130
2019															144		61			5,775
Total															$	1,226

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019
2012	$	50	$	101	$	125	$	139	$	148	$	152	$	154	$	158
2013			41		82		100		111		118		120		125
2014					40		80		116		130		150		156
2015							40		85		115		125		133
2016									35		80		106		122
2017											48		110		141
2018													37		104
2019															35
Total															$	974

Package Business

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	657	$	662	$	654	$	652	$	652	$	651	$	653	$	651	$	649	$	647	$	18	52,484
2011			810		792		790		800		808		814		813		812		807		26		61,045
2012					736		725		728		731		736		735		739		732		30		59,817
2013							579		565		573		585		586		592		586		32		43,556
2014									566		578		601		602		603		603		59		43,098
2015											582		588		585		583		588		69		41,965
2016													655		638		632		625		118		43,672
2017															695		702		692		192		45,836
2018																	719		724		241		43,026
2019																			813		392		36,824
Total																			$	6,817

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	270	$	414	$	487	$	539	$	570	$	601	$	613	$	618	$	625	$	627
2011			377		555		621		684		727		748		762		772		774
2012					286		486		560		616		652		673		687		694
2013							225		339		414		467		504		522		541
2014									226		345		416		468		507		525
2015											212		332		383		445		486
2016													225		353		410		465
2017															235		372		447
2018																	237		402
2019																			254
Total																			$	5,215

Commercial Property

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2012	$	369	$	333	$	334	$	334	$	336	$	335	$	334	$	333	$	1	26,786
2013			268		252		253		252		249		248		247		—		21,601
2014					293		281		282		280		279		281		—		21,017
2015							298		301		302		301		305		1		21,005
2016									405		419		399		406		1		23,710
2017											577		515		455		21		24,235
2018													450		436		38		21,460
2019															476		93		18,634
Total															$	2,939

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019
2012	$	182	$	296	$	317	$	326	$	331	$	331	$	331	$	330
2013			161		223		238		243		242		244		245
2014					170		250		270		279		279		279
2015							179		257		284		296		301
2016									215		342		378		395
2017											229		378		412
2018													188		344
2019															214
Total															$	2,520

Commercial Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	290	$	291	$	309	$	335	$	338	$	344	$	344	$	341	$	340	$	339	$	3	38,158
2011			272		310		356		356		366		365		363		362		363		6		39,298
2012					311		377		391		402		395		389		387		388		6		36,043
2013							311		318		334		341		340		339		335		11		32,228
2014									309		317		331		337		341		334		14		29,597
2015											308		358		372		356		356		18		28,487
2016													385		393		390		391		44		29,036
2017															372		383		379		76		26,089
2018																	349		396		153		24,016
2019																			417		291		22,455
Total																			$	3,698

Cumulative Paid Losses & Allocated Loss Adjustment Expense, Net of Reinsurance
	For the years ended December 31
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	60	$	132	$	199	$	266	$	305	$	315	$	324	$	330	$	334	$	335
2011			63		133		211		274		316		339		348		353		354
2012					65		143		234		307		346		359		372		376
2013							62		130		202		259		295		311		321
2014									59		131		197		252		299		309
2015											62		142		207		267		314
2016													65		147		232		303
2017															60		134		211
2018																	62		153
2019																			63
Total																			$	2,739

Commercial Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2017		2018		2019		IBNR Reserves		Claims Reported
2017	$	85	$	81	$	81	$	3	24,325
2018			62		62		1		20,508
2019					63		2		18,626
Total					$	206

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2017		2018		2019
2017	$	74	$	79	$	78
2018			54		60
2019					56
Total					$	194

Professional Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Claims Made Year	2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2012	$	242	$	238	$	238	$	218	$	221	$	220	$	219	$	225	$	19	7,025
2013			207		195		187		174		173		173		171		24		5,970
2014					187		183		181		177		179		182		26		6,705
2015							164		174		179		190		213		51		7,171
2016									183		176		203		196		66		8,288
2017											205		203		231		103		9,224
2018													247		280		155		9,517
2019															298		252		7,396
Total															$	1,796

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Claims Made Year	2012		2013		2014		2015		2016		2017		2018		2019
2012	$	17	$	67	$	100	$	139	$	154	$	168	$	172	$	175
2013			10		44		67		88		116		131		137
2014					7		38		74		107		130		135
2015							9		40		85		107		124
2016									8		51		88		111
2017											11		48		87
2018													15		73
2019															21
Total															$	863

Bond

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	72	$	76	$	82	$	81	$	75	$	71	$	72	$	92	$	73	$	72	$	6	2,674
2011			74		78		78		76		71		71		71		71		72		9		2,136
2012					71		70		61		55		49		49		45		48		13		1,723
2013							64		58		55		48		49		39		35		15		1,463
2014									71		67		66		67		59		59		12		1,383
2015											67		67		63		60		54		19		1,385
2016													61		61		61		56		32		1,324
2017															63		90		101		42		1,547
2018																	68		68		49		1,383
2019																			72		68		1,122
Total																			$	637

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	14	$	46	$	60	$	60	$	60	$	65	$	67	$	67	$	69	$	64
2011			12		40		52		57		58		60		60		60		61
2012					12		25		26		24		26		26		34		35
2013							3		9		17		19		19		19		20
2014									18		31		40		43		43		45
2015											9		20		24		31		34
2016													2		12		15		20
2017															5		46		55
2018																	6		16
2019																			3
Total																			$	353

Assumed Reinsurance

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2012	$	107	$	99	$	93	$	88	$	115	$	120	$	119	$	121	$	—	1,424
2013			115		119		103		105		102		102		104		1		1,607
2014					119		142		122		118		115		116		1		1,654
2015							102		92		94		94		95		—		1,383
2016									88		91		98		100		3		1,434
2017											129		153		161		11		1,582
2018													128		127		1		1,322
2019															181		107		875
Total															$	1,005

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2012		2013		2014		2015		2016		2017		2018		2019
2012	$	38	$	77	$	83	$	85	$	112	$	118	$	118	$	119
2013			53		83		91		98		100		101		103
2014					66		119		106		109		112		113
2015							42		64		77		83		91
2016									36		66		84		90
2017											44		116		135
2018													25		111
2019															62
Total															$	824

Personal Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2010	$	1,346	$	1,321	$	1,293	$	1,287	$	1,282	$	1,275	$	1,265	$	1,265	$	1,264	$	1,265	$	3	248,948
2011			1,181		1,170		1,180		1,173		1,166		1,154		1,154		1,153		1,153		4		221,890
2012					1,141		1,149		1,146		1,142		1,133		1,130		1,130		1,130		6		210,757
2013							1,131		1,145		1,144		1,153		1,152		1,153		1,157		8		205,475
2014									1,146		1,153		1,198		1,200		1,199		1,202		11		208,983
2015											1,195		1,340		1,338		1,330		1,331		21		216,827
2016													1,407		1,402		1,393		1,397		46		215,658
2017															1,277		1,275		1,228		109		186,993
2018																	1,108		1,104		246		154,648
2019																			1,018		461		131,577
Total																			$	11,985

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	496	$	915	$	1,108	$	1,202	$	1,239	$	1,251	$	1,256	$	1,258	$	1,260	$	1,260
2011			447		826		1,006		1,088		1,126		1,140		1,145		1,146		1,146
2012					441		818		986		1,067		1,104		1,114		1,120		1,122
2013							442		816		1,002		1,091		1,121		1,135		1,142
2014									430		843		1,032		1,125		1,165		1,182
2015											475		935		1,142		1,243		1,292
2016													505		968		1,188		1,308
2017															441		836		1,033
2018																	359		710
2019																			323
Total																			$	10,518

Personal Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2017		2018		2019		IBNR Reserves			Claims Reported
2017	$	598	$	588	$	588	$	(1	)	362,235
2018			509		498		7			305,031
2019					445		(11		)	262,866
Total					$	1,531

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2017		2018		2019
2017	$	574	$	591	$	589
2018			474		491
2019					427
Total					$	1,507

Homeowners

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves			Claims Reported
2010	$	838	$	850	$	838	$	840	$	840	$	840	$	836	$	834	$	834	$	834	$	(1	)	161,597
2011			955		920		919		916		914		911		908		907		907		—			179,399
2012					774		741		741		741		739		738		738		738		1			142,845
2013							673		638		637		634		632		630		629		1			113,538
2014									710		707		702		700		698		698		(1		)	121,902
2015											690		703		690		684		684		2			119,944
2016													669		673		663		658		4			119,646
2017															866		889		884		41			124,189
2018																	903		910		60			101,985
2019																			501		107			78,068
Total																			$	7,443

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
2010	$	599	$	789	$	815	$	825	$	829	$	832	$	833	$	833	$	834	$	835
2011			709		871		891		899		903		905		908		907		908
2012					547		696		719		727		731		734		735		736
2013							467		590		611		622		626		627		628
2014									526		663		684		691		695		697
2015											487		645		665		674		680
2016													481		621		640		649
2017															538		747		795
2018																	484		712
2019																			318
Total																			$	6,958

Group Long-Term Disability

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
					For the years ended December 31,
					(Unaudited)
Incurral Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		IBNR Reserves		Claims Reported
2011	$	1,917	$	1,761	$	1,660	$	1,659	$	1,669	$	1,660	$	1,649	$	1,638	$	1,631	$	—	39,246
2012			1,829		1,605		1,539		1,532		1,530		1,515		1,504		1,486		—		37,523
2013					1,660		1,479		1,429		1,429		1,416		1,413		1,399		1		31,946
2014							1,636		1,473		1,430		1,431		1,431		1,408		2		33,213
2015									1,595		1,442		1,422		1,420		1,401		3		33,820
2016											1,651		1,481		1,468		1,437		3		34,719
2017													1,597		1,413		1,358		8		31,865
2018															1,647		1,387		37		28,551
2019																	1,650		852		17,753
Total																	$	13,157

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
					For the years ended December 31,
					(Unaudited)
Incurral Year	2011		2012		2013		2014		2015		2016		2017		2018		2019
2011	$	118	$	508	$	743	$	886	$	996	$	1,087	$	1,167	$	1,231	$	1,286
2012			108		483		708		835		933		1,014		1,080		1,138
2013					102		443		664		791		881		954		1,016
2014							103		448		675		801		884		960
2015									108		460		687		806		891
2016											112		479		705		819
2017													109		452		658
2018															105		447
2019																	101
Total																	$	7,316

Group Life and Accident, excluding Premium Waiver

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2017		2018		2019		IBNR Reserves		Claims Reported
2017	$	1,999	$	1,953	$	1,951	$	4	45,139
2018			1,952		1,940		18		52,027
2019					1,902		373		45,825
Total					$	5,793

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2017		2018		2019
2017	$	1,551	$	1,929	$	1,945
2018			1,532		1,916
2019					1,471
Total					$	5,332