Reserve for Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2020

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

Liabilities for Unpaid Losses and Loss Adjustment Expenses

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

	For the years ended December 31,
	2020		2019		2018
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	28,261	$	24,584	$	23,775
Reinsurance and other recoverables	5,275		4,232		3,957
Beginning liabilities for unpaid losses and loss adjustment expenses, net	22,986		20,352		19,818
Navigators Group acquisition	—		2,001		—
Provision for unpaid losses and loss adjustment expenses
Current accident year	7,794		7,463		7,107
Prior accident year development [1]	(136)		(65)		(167)
Total provision for unpaid losses and loss adjustment expenses	7,658		7,398		6,940
Change in deferred gain on retroactive reinsurance included in other liabilities [1]	(312)		(16)		—
Payments
Current accident year	(2,214)		(2,374)		(2,452)
Prior accident years	(4,190)		(4,374)		(3,954)
Total payments	(6,404)		(6,748)		(6,406)
Net reserves transferred to liabilities held for sale	(45)		—		—
Foreign currency adjustment	14		(1)		—
Ending liabilities for unpaid losses and loss adjustment expenses, net	23,897		22,986		20,352
Reinsurance and other recoverables	5,725		5,275		4,232
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	29,622	$	28,261	$	24,584

[1]Prior accident year development does not include the benefit of a portion of losses ceded under the Navigators and A&E ADC which, under retroactive reinsurance accounting, is deferred and is recognized over the period the ceded losses are recovered in cash from NICO. For additional information regarding the two adverse development cover reinsurance agreements, refer to Adverse Development Covers discussion below.

(Favorable) Unfavorable Prior Accident Year Development

	For the years ended December 31,
	2020		2019		2018
Workers’ compensation	$	(110)	$	(120)	$	(164)
Workers’ compensation discount accretion	35		33		40
General liability	237		61		52
Marine	3		8		—
Package business	(58)		(47)		(26)
Commercial property	(4)		(11)		(12)
Professional liability	(14)		29		(12)
Bond	(19)		(3)		2
Assumed reinsurance	(6)		3		—
Automobile liability - Commercial Lines	27		27		(15)
Automobile liability - Personal Lines	(61)		(38)		(18)
Homeowners	7		3		(25)
Net asbestos reserves	(2)		—		—
Net environmental reserves	—		—		—
Catastrophes	(529)		(42)		(49)
Uncollectible reinsurance	(8)		(30)		22
Other reserve re-estimates, net	54		46		38
Prior accident year development, including full benefit for the ADC cession	(448)		(81)		(167)
Change in deferred gain on retroactive reinsurance included in other liabilities [1]	312		16		—
Total prior accident year development	$	(136)	$	(65)	$	(167)

[1] The change in deferred gain for the year ended December 31, 2020 included $210 of adverse development on A&E reserves in excess of ceded premium paid and included $102 of adverse development on Navigators 2018 and prior accident year reserves, within professional liability, marine, general liability, prior accident year catastrophes, and assumed reinsurance.

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

	For the years ended December 31,
	2020		2019		2018
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	8,256	$	8,445	$	8,512
Reinsurance recoverables [1]	247		239		209
Beginning liabilities for unpaid losses and loss adjustment expenses, net	8,009		8,206		8,303
Aetna U.S. group life and disability business acquisition [2]	—		—		42
Provision for unpaid losses and loss adjustment expenses
Current incurral year	4,511		4,385		4,470
Prior year's discount accretion	209		219		227
Prior incurral year development [3]	(445)		(410)		(324)
Total provision for unpaid losses and loss adjustment expenses [4]	4,275		4,194		4,373
Payments
Current incurral year	(2,288)		(2,277)		(2,377)
Prior incurral years	(2,000)		(2,114)		(2,135)
Total payments	(4,288)		(4,391)		(4,512)
Ending liabilities for unpaid losses and loss adjustment expenses, net	7,996		8,009		8,206
Reinsurance recoverables	237		247		239
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	8,233	$	8,256	$	8,445

[1] Includes a cumulative effect adjustment of $(1) representing an adjustment to the ACL recorded on adoption of accounting guidance for credit losses on January 1, 2020. See Note 1 - Basis of Presentation and Significant Accounting Policies.

[2]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.

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

[4]Includes unallocated loss adjustment expenses of $178, $178 and $194 for the years ended December 31, 2020, 2019 and 2018, 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,
	2020						2019						2018
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	1,334					$	1,331					$	1,331
Amount of discount	367						388						388
Carrying value of liability for unpaid losses and loss adjustment expenses	$	967					$	943					$	943
Discount accretion included in losses and loss adjustment expenses	$	36					$	33					$	40
Weighted average discount rate	2.68					%	2.91					%	2.98					%
Range of discount rates	0.83		%	-	14.03	%	1.76		%	-	14.03	%	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	15.2	%	19.1	%	12.4	%	8.3	%	5.7	%	4.2	%	2.6	%	2.3	%	1.7	%	1.1	%
General liability	2.9	%	8.2	%	14.6	%	18.4	%	16.2	%	10.9	%	6.6	%	4.5	%	2.8	%	1.5	%
Marine	26.1	%	32.4	%	18.4	%	8.4	%	7.0	%	2.8	%	2.2	%	3.9	%	(0.5	%)
Package business	37.5	%	21.7	%	10.0	%	8.6	%	6.0	%	2.9	%	2.1	%	1.2	%	0.3	%	0.3	%
Commercial property	53.6	%	30.9	%	7.6	%	3.2	%	0.9	%	0.3	%	0.2	%	(0.1	%)	(0.1	%)
Commercial automobile liability	16.2	%	20.8	%	20.9	%	17.7	%	11.4	%	4.9	%	2.7	%	1.1	%	0.5	%	0.2	%
Commercial automobile physical damage	88.2	%	10.1	%	(0.5	%)
Professional liability	5.4	%	19.0	%	18.2	%	14.5	%	10.4	%	6.3	%	3.9	%	2.0	%	—	%
Bond	12.7	%	24.3	%	11.7	%	4.9	%	2.4	%	0.1	%	5.3	%	1.2	%	0.1	%	2.1	%
Assumed Reinsurance	36.3	%	38.7	%	8.8	%	4.9	%	8.0	%	2.5	%	1.0	%	0.3	%	(0.1	%)
Personal automobile liability	35.5	%	33.2	%	15.8	%	7.6	%	3.1	%	1.1	%	0.5	%	0.1	%	0.1	%	0.1	%
Personal automobile physical damage	96.5	%	3.2	%	(0.7	%)
Homeowners	71.8	%	22.7	%	1.2	%	0.4	%	0.6	%	0.3	%	0.1	%	0.1	%	—	%	—	%

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

	For the years ended December 31,
	2020						2019						2018
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	8,380					$	8,636					$	8,957
Amount of discount	(1,353)						(1,401)						(1,505)
Carrying value of liability for unpaid losses and loss adjustment expenses	$	7,027					$	7,235					$	7,452
Weighted average discount rate	3.4					%	3.4					%	3.4					%
Range of discount rate	2.1		%	-	8.0	%	2.1		%	-	8.0	%	2.1		%	-	8.0	%

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		10th Year
Group long-term disability	7.4	%	25.2	%	15.6	%	8.5	%	6.4	%	5.4	%	4.6	%	3.9	%	3.3	%	2.3	%
Group life and accident, excluding premium waiver	77.0	%	19.5	%	0.7	%

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, 2020

	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	$	18,864	$	(10,633)	$	2,671	$	336	$	(352)	$	10,886	$	1,970	$	12,856
General liability	6,201		(2,946)		713		137		—		4,105		740		4,845
Marine	1,379		(1,128)		18		10		—		279		216		495
Package business	6,940		(5,248)		66		94		—		1,852		17		1,869
Commercial property	3,365		(2,936)		28		18		—		475		221		696
Commercial automobile liability	3,804		(2,775)		16		21		—		1,066		78		1,144
Commercial automobile physical damage	176		(167)		4		—		—		13		(1)		12
Professional liability	2,164		(1,080)		65		35		—		1,184		689		1,873
Bond	635		(310)		28		28		—		381		13		394
Assumed Reinsurance	1,198		(986)		3		3		—		218		41		259
Personal automobile liability	11,463		(10,153)		29		60		—		1,399		28		1,427
Personal automobile physical damage	1,279		(1,262)		5		3		—		25		—		25
Homeowners	6,770		(6,435)		6		31		—		372		3		375
Other ongoing business					208		(2)		(15)		191		294		485
Asbestos and environmental [1]					938		—		—		938		1,429		2,367
Other operations [1]					349		164		—		513		(13)		500
Total P&C	$	64,238	$	(46,059)	$	5,147	$	938	$	(367)	$	23,897	$	5,725	$	29,622

[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, sexual molestation and sexual abuse 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, 2020

	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	$	14,411	$	(8,420)	$	1,554	$	182	$	(1,233)	$	6,494	$	227	$	6,721
Group life and accident, excluding premium waiver	5,888		(5,283)		163		4		(17)		755		3		758
Group short-term disability					117		4		—		121		—		121
Group life premium waiver					688		10		(103)		595		2		597
Group supplemental health					31		—		—		31		5		36
Total Group Benefits	$	20,299	$	(13,703)	$	2,553	$	200	$	(1,353)	$	7,996	$	237	$	8,233

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	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	2,013	$	2,099	$	2,204	$	2,206	$	2,221	$	2,224	$	2,232	$	2,242	$	2,239	$	2,235	$	291	177,961
2012			2,185		2,207		2,207		2,181		2,168		2,169		2,154		2,146		2,135		325		171,494
2013					2,020		1,981		1,920		1,883		1,861		1,861		1,850		1,831		378		151,422
2014							1,869		1,838		1,789		1,761		1,713		1,692		1,679		437		126,217
2015									1,873		1,835		1,801		1,724		1,714		1,699		477		113,966
2016											1,772		1,772		1,780		1,767		1,748		574		112,058
2017													1,862		1,869		1,840		1,822		753		111,510
2018															1,916		1,917		1,915		854		117,999
2019																	1,937		1,935		1,033		117,698
2020																			1,865		1,412		84,062
Total																			$	18,864

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	371	$	841	$	1,156	$	1,368	$	1,518	$	1,622	$	1,690	$	1,746	$	1,786	$	1,811
2012			359		809		1,106		1,313		1,436		1,529		1,587		1,644		1,678
2013					304		675		917		1,071		1,175		1,260		1,304		1,339
2014							275		598		811		960		1,041		1,099		1,137
2015									261		576		778		909		1,004		1,068
2016											255		579		779		908		1,003
2017													261		575		778		900
2018															283		624		837
2019																	291		637
2020																			223
Total																			$	10,633

General Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	431	$	420	$	408	$	405	$	404	$	416	$	417	$	426	$	420	$	416	$	40	22,394
2012			423		402		399		392		410		408		421		413		407		50		16,597
2013					455		442		456		484		488		502		505		508		62		13,867
2014							506		475		481		494		513		522		515		78		14,722
2015									556		560		554		594		633		647		110		15,382
2016											613		583		607		633		632		176		16,479
2017													626		614		613		616		258		15,943
2018															692		669		697		395		16,881
2019																	821		826		638		15,191
2020																			937		850		9,265
Total																			$	6,201

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	15	$	61	$	123	$	200	$	255	$	303	$	330	$	348	$	362	$	368
2012			13		55		101		170		233		280		305		323		332
2013					13		53		141		233		320		372		398		422
2014							15		42		130		214		304		358		402
2015									10		55		156		278		409		477
2016											12		52		131		283		368
2017													15		67		156		255
2018															21		83		177
2019																	29		100
2020																			45
Total																			$	2,946

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		2020		IBNR Reserves [1]		Claims Reported
2012	$	195	$	220	$	180	$	169	$	163	$	164	$	168	$	164	$	164	$	2	6,782
2013			149		152		134		136		140		135		138		140		(3)		6,623
2014					163		160		158		165		164		169		167		(3)		7,122
2015							158		146		146		148		133		138		(5)		10,114
2016									140		143		138		148		150		(7)		13,112
2017											160		187		175		174		(12)		15,498
2018													144		161		154		(12)		13,808
2019															144		142		20		7,989
2020																	150		76		3,451
Total																	$	1,379

[1]IBNR reserves are negative for some accident years as all losses ceded to the Navigators ADC are ceded as IBNR even though the gross losses being ceded include both reported losses and IBNR components. In addition, the collection of subrogation lags payment of the losses.

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		2020
2012	$	51	$	101	$	125	$	139	$	148	$	152	$	155	$	159	$	158
2013			42		82		100		112		119		121		126		133
2014					41		81		116		131		151		156		159
2015							40		85		116		126		134		139
2016									35		80		106		122		132
2017											48		111		142		154
2018													37		104		138
2019															36		83
2020																	32
Total																	$	1,128

Package Business

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	810	$	792	$	790	$	800	$	808	$	814	$	813	$	812	$	807	$	807	$	24	61,097
2012			736		725		728		731		736		735		739		732		732		30		59,871
2013					579		565		573		585		586		592		586		587		29		43,620
2014							566		578		601		602		603		603		593		44		43,207
2015									582		588		585		583		588		581		56		42,121
2016											655		638		632		625		611		78		43,922
2017													695		702		692		657		114		46,366
2018															719		724		688		169		44,273
2019																	813		769		256		41,800
2020																			915		412		56,548
Total																			$	6,940

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	377	$	555	$	621	$	684	$	727	$	748	$	762	$	772	$	774	$	776
2012			286		486		560		616		652		673		687		694		697
2013					225		339		414		467		504		522		541		549
2014							226		345		416		468		507		525		535
2015									212		332		383		445		486		505
2016											225		353		410		465		500
2017													235		372		447		496
2018															237		402		451
2019																	254		413
2020																			326
Total																			$	5,248

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		2020		IBNR Reserves		Claims Reported
2012	$	369	$	333	$	334	$	335	$	337	$	335	$	334	$	333	$	332	$	—	26,860
2013			268		252		254		252		249		248		247		247		—		21,610
2014					293		281		282		280		279		280		280		—		21,025
2015							299		301		302		301		305		304		1		21,020
2016									406		420		399		406		408		1		23,758
2017											577		516		455		438		6		24,332
2018													450		437		424		26		21,630
2019															476		437		21		20,791
2020																	495		162		18,628
Total																	$	3,365

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		2020
2012	$	182	$	296	$	317	$	326	$	331	$	331	$	331	$	330	$	330
2013			161		223		238		243		242		244		245		245
2014					170		250		270		279		279		279		280
2015							179		257		285		296		302		303
2016									215		342		378		396		401
2017											229		379		412		428
2018													188		344		379
2019															214		349
2020																	221
Total																	$	2,936

Commercial Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	272	$	310	$	356	$	356	$	366	$	365	$	363	$	362	$	363	$	363	$	6	39,302
2012			311		377		391		402		395		389		387		388		388		6		36,052
2013					311		318		334		341		340		339		335		334		8		32,239
2014							309		317		331		337		341		334		333		8		29,609
2015									308		358		372		356		356		359		12		28,541
2016											385		393		390		391		392		25		29,145
2017													372		383		379		383		37		26,279
2018															349		396		405		86		24,402
2019																	417		431		194		24,604
2020																			416		321		14,930
Total																			$	3,804

Cumulative Paid Losses & Allocated Loss Adjustment Expense, Net of Reinsurance
	For the years ended December 31
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	63	$	133	$	211	$	274	$	316	$	339	$	348	$	353	$	354	$	355
2012			65		143		234		307		346		359		372		376		378
2013					62		130		202		259		295		311		321		323
2014							59		131		197		252		299		309		318
2015									62		142		207		267		314		335
2016											65		147		232		303		339
2017													60		134		211		285
2018															62		153		239
2019																	63		153
2020																			50
Total																			$	2,775

Commercial Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2018		2019		2020		IBNR Reserves		Claims Reported
2018	$	62	$	62	$	61	$	1	20,561
2019			63		64		1		19,828
2020					51		2		13,796
Total					$	176

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2018		2019		2020
2018	$	54	$	60	$	60
2019			56		62
2020					45
Total					$	167

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		2020		IBNR Reserves		Claims Reported
2012	$	242	$	238	$	238	$	218	$	221	$	221	$	219	$	225	$	217	$	11	7,036
2013			207		195		187		174		174		173		171		171		22		5,972
2014					187		183		181		178		179		182		183		26		6,717
2015							164		174		179		190		214		207		40		7,215
2016									183		176		203		197		196		53		8,345
2017											205		203		232		226		63		9,362
2018													248		281		277		101		9,913
2019															298		317		196		9,297
2020																	370		325		6,236
Total																	$	2,164

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		2020
2012	$	17	$	67	$	100	$	139	$	155	$	168	$	172	$	175	$	175
2013			10		44		67		88		116		131		137		143
2014					8		38		74		108		131		135		146
2015							9		40		85		107		125		141
2016									8		51		88		112		125
2017											11		48		88		123
2018													15		73		130
2019															21		78
2020																	19
Total																	$	1,080

Bond

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	74	$	78	$	78	$	76	$	71	$	71	$	71	$	71	$	72	$	71	$	9	2,135
2012			71		70		61		55		49		49		45		48		48		13		1,728
2013					64		58		55		48		49		39		35		34		14		1,463
2014							71		67		66		67		59		59		60		13		1,386
2015									67		67		63		60		54		48		17		1,394
2016											61		61		61		56		52		29		1,335
2017													63		90		101		94		34		1,682
2018															68		68		72		37		1,573
2019																	72		73		60		1,514
2020																			83		77		1,505
Total																			$	635

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	12	$	40	$	52	$	57	$	58	$	60	$	60	$	60	$	61	$	62
2012			12		25		26		24		26		26		34		35		35
2013					3		9		17		19		19		19		20		20
2014							18		31		40		43		43		45		46
2015									9		20		24		31		34		32
2016											2		12		15		20		22
2017													5		46		55		53
2018															6		16		23
2019																	3		13
2020																			4
Total																			$	310

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		2020		IBNR Reserves		Claims Reported
2012	$	107	$	99	$	93	$	88	$	115	$	120	$	119	$	120	$	120	$	—	1,441
2013			115		119		103		105		102		102		103		104		—		1,647
2014					119		142		122		118		115		116		116		—		1,760
2015							102		92		94		94		95		96		—		1,497
2016									89		91		98		100		102		(1)		1,626
2017											129		153		162		157		—		1,966
2018													129		128		130		(14)		1,960
2019															181		190		38		2,025
2020																	183		110		833
Total																	$	1,198

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		2020
2012	$	38	$	77	$	83	$	85	$	112	$	118	$	118	$	119	$	119
2013			53		83		91		98		100		101		103		103
2014					66		119		106		109		112		113		114
2015							42		65		77		83		91		94
2016									36		66		84		90		95
2017											44		116		135		145
2018													25		112		134
2019															62		132
2020																	50
Total																	$	986

Personal Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	1,181	$	1,170	$	1,180	$	1,173	$	1,166	$	1,154	$	1,154	$	1,153	$	1,153	$	1,153	$	4	221,891
2012			1,141		1,149		1,146		1,142		1,133		1,130		1,130		1,130		1,129		5		210,757
2013					1,131		1,145		1,144		1,153		1,152		1,153		1,157		1,156		7		205,480
2014							1,146		1,153		1,198		1,200		1,199		1,202		1,201		8		209,013
2015									1,195		1,340		1,338		1,330		1,331		1,328		15		216,871
2016											1,407		1,402		1,393		1,397		1,395		28		215,797
2017													1,277		1,275		1,228		1,214		50		187,408
2018															1,108		1,104		1,072		105		155,821
2019																	1,018		1,010		220		138,430
2020																			805		400		90,933
Total																			$	11,463

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	447	$	826	$	1,006	$	1,088	$	1,126	$	1,140	$	1,145	$	1,146	$	1,146	$	1,148
2012			441		818		986		1,067		1,104		1,114		1,120		1,122		1,123
2013					442		816		1,002		1,091		1,121		1,135		1,142		1,144
2014							430		843		1,032		1,125		1,165		1,182		1,186
2015									475		935		1,142		1,243		1,292		1,304
2016											505		968		1,188		1,308		1,345
2017													441		836		1,033		1,123
2018															359		710		888
2019																	323		654
2020																			238
Total																			$	10,153

Personal Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2018		2019		2020		IBNR Reserves		Claims Reported
2018	$	509	$	498	$	488	$	1	305,389
2019			445		442		—		276,688
2020					349		(6)		199,623
Total					$	1,279

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2018		2019		2020
2018	$	474	$	491	$	488
2019			427		441
2020					333
Total					$	1,262

Homeowners

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020		IBNR Reserves		Claims Reported
2011	$	955	$	920	$	919	$	916	$	914	$	911	$	908	$	907	$	907	$	907	$	—	179,405
2012			774		741		741		741		739		738		738		738		737		—		142,855
2013					673		638		637		634		632		630		629		630		1		113,546
2014							710		707		702		700		698		698		698		—		121,914
2015									690		703		690		684		684		684		1		119,981
2016											669		673		663		658		658		2		119,742
2017													866		889		884		783		6		124,581
2018															903		910		673		(11)		102,603
2019																	501		475		27		83,915
2020																			525		89		82,246
Total																			$	6,770

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
2011	$	709	$	871	$	891	$	899	$	903	$	905	$	908	$	907	$	908	$	907
2012			547		696		719		727		731		734		735		736		736
2013					467		590		611		622		626		627		628		628
2014							526		663		684		691		695		697		697
2015									487		645		665		674		680		681
2016											481		621		640		649		653
2017													538		747		795		757
2018															484		712		616
2019																	318		425
2020																			335
Total																			$	6,435

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		2020		IBNR Reserves		Claims Reported
2011	$	1,917	$	1,761	$	1,660	$	1,659	$	1,669	$	1,660	$	1,649	$	1,638	$	1,631	$	1,615	$	—	37,347
2012			1,829		1,605		1,539		1,532		1,530		1,515		1,504		1,486		1,479		—		35,626
2013					1,660		1,479		1,429		1,429		1,416		1,413		1,399		1,385		—		30,611
2014							1,636		1,473		1,430		1,431		1,431		1,408		1,395		—		31,756
2015									1,595		1,442		1,422		1,420		1,401		1,385		—		32,527
2016											1,651		1,481		1,468		1,437		1,417		1		33,244
2017													1,597		1,413		1,358		1,316		2		30,883
2018															1,647		1,387		1,309		6		28,364
2019																	1,650		1,424		38		27,136
2020																			1,686		885		15,861
Total																			$	14,411

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		2020
2011	$	118	$	508	$	743	$	886	$	996	$	1,087	$	1,167	$	1,231	$	1,286	$	1,324
2012			108		483		708		835		933		1,014		1,080		1,138		1,185
2013					102		443		664		791		881		954		1,016		1,067
2014							103		448		675		801		884		960		1,025
2015									108		460		687		806		891		962
2016											112		479		705		819		907
2017													109		452		658		757
2018															105		447		639
2019																	101		454
2020																			100
Total																			$	8,420

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	2018		2019		2020		IBNR Reserves		Claims Reported
2018	$	1,952	$	1,940	$	1,950	$	10	52,500
2019			1,902		1,866		19		57,109
2020					2,072		401		46,597
Total					$	5,888

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2018		2019		2020
2018	$	1,532	$	1,916	$	1,929
2019			1,471		1,830
2020					1,524
Total					$	5,283