Certain Nontraditional Long-Duration Contracts (Tables)

12 Months Ended

Dec. 31, 2013

		GMDB		GMAB/GMWB/GMIWB		GMIB		Totals
				Variable Annuity
				(in thousands)
Beginning Balance as of December 31, 2010	$	130,490	$	164,282	$	13,377	$	308,149
Incurred guarantee benefits - Impact of assumption
and experience unlocking and true-ups (1)		23,078		-		570		23,648
Incurred guarantee benefits (1)		60,428		1,619,312		504		1,680,244
Paid guarantee benefits		(36,278)		-		(74)		(36,352)
Beginning Balance as of December 31, 2011		177,718		1,783,594		14,377		1,975,689
Incurred guarantee benefits - Impact of assumption
and experience unlocking and true-ups (1)		38,655		-		6,948		45,603
Incurred guarantee benefits (1)		37,585		9,541		2,873		49,999
Paid guarantee benefits		(31,431)		-		(682)		(32,113)
Beginning Balance as of December 31, 2012		222,527		1,793,135		23,516		2,039,178
Incurred guarantee benefits - Impact of assumption
and experience unlocking and true-ups (1)		(60,075)		-		(14,050)		(74,125)
Incurred guarantee benefits (1)		56,884		(1,014,909)		2,400		(955,628)
Paid guarantee benefits		(27,507)		-		(747)		(28,254)
Changes in unrealized investment gains and losses		8,041		-		160		8,201
Balance as of December 31, 2013	$	199,870	$	778,226	$	11,279	$	989,372

Incurred guarantee benefits include the portion of assessments established as additions to reserve as well as changes in estimates affecting the reserves. Also includes changes in the fair value of features accounted for as derivatives.

	December 31, 2013				December 31, 2012
	In the Event of Death		At Annuitization/ Accumulation (1)		In the Event of Death		At Annuitization/ Accumulation (1)
Variable Annuity Contracts	(in thousands)

Return of net deposits
Account value	$ 40,828,166		N/A		$ 39,883,202		N/A
Net amount at risk	$ 407,488		N/A		$ 603,793		N/A
Average attained age of contractholders	64	years	N/A		63	years	N/A

Minimum return or contract value
Account value	$ 8,446,938		$ 40,678,507		$ 8,293,324		$ 39,685,368
Net amount at risk	$ 916,094		$ 1,272,641		$ 1,242,583		$ 2,147,087
Average attained age of contractholders	66	years	64	years	65	years	63	years
Average period remaining until expected annuitization	N/A		0.2	years	N/A		0.4	year

			Sales Inducements
			(in thousands)
Balance as of December 31, 2010		$	796,507
	Capitalization		68,370
	Amortization - Impact of assumption and experience unlocking and true-ups		(56,736)
	Amortization - All other		(378,682)
	Change in unrealized gains/losses		147
	Other (1)		16,235
Balance as of December 31, 2011			445,841
	Capitalization		59,269
	Amortization - Impact of assumption and experience unlocking and true-ups		133,214
	Amortization - All other		(94,752)
	Change in unrealized gains/losses		13,258
Balance as of December 31, 2012			556,830
	Capitalization		31,370
	Amortization - Impact of assumption and experience unlocking and true-ups		13,038
	Amortization - All other		179,219
	Change in unrealized gains/losses		28,790
Balance as of December 31, 2013		$	809,247

Balance sheet reclassification between DAC and DSI relating to refinement in methodology for allocating DAC/DSI balances for cohorts with both DAC and DSI persistency credits. Refer to Note 4 for impact to DAC.

		December 31, 2013				December 31, 2012
		Unadjusted Value		Adjusted Value		Unadjusted Value		Adjusted Value
Variable Annuity Contracts	(in thousands)
Market value adjusted annuities
Account value	$	1,554,743	$	1,580,487	$	2,182,791	$	2,277,200