9.	Policyholder Account Balances

As of December 31, 2018 and 2017, policyholders’ account balances consisted of the following:


	December 31, 2018		December 31, 2017
($ in thousands)
Interest-sensitive life contracts	$	5,559,712	$	5,499,037
Individual annuities		4,240,012		4,761,155
Funding agreements		350,013		408,165
Other		8,170		8,554

Total policyholders’ account balances	$	10,157,907	$	10,676,911

Policyholders’ account balances represent an accumulation of account deposits plus credited interest less withdrawals, expenses and mortality charges, if applicable. These policyholders’ account balances also include provisions for benefits under non-life contingent payout annuities. Interest crediting rates range from 0.4% to 6.0% for interest sensitive contracts. Interest crediting rates for individual annuities range from 0.0% to 6.0%. Interest crediting rates for funding agreements range from 0.5% to 1.0%.