| Assets and Liabilities Related to Insurance Contracts |
The Assets and Liabilities related to insurance contracts, at period/fiscal year closing, are detailed below: | | | | | | | | | | Item | 03.31.25 | 12.31.24 | | Insurance contract assets | 36,437,770 | 37,178,393 | | Insurance contract liabilities | (698,923,202) | (723,224,667) | | Liabilities for remaining coverage | (412,871,450) | (441,316,786) | | Estimates of the present value of cash flows | (317,940,125) | (320,439,859) | | Risk adjustment | (57,395,712) | (61,355,962) | | Cost service margin | (91,312,525) | (111,203,132) | | Loss component | (3,479) | (1,473,416) | | Premium reserve - Simplified Model | 53,780,391 | 53,155,583 | | Liabilities for incurred claims | (249,613,982) | (244,729,488) | | Estimates of the present value of cash flows | (245,521,187) | (240,290,047) | | Risk adjustment | (4,092,795) | (4,439,441) | | Reinsurance contract assets | 60,810,309 | 59,124,372 | | Reinsurance contract liabilities | (918,924) | — | | Liabilities for remaining coverage | 17,940,253 | 20,417,994 | | | | | | | | | | | Premium reserve - Simplified Model | 17,940,253 | 20,417,994 | | Liabilities for incurred claims | 41,951,132 | 38,706,378 | | Estimates of the present value of cash flows | 41,799,464 | 38,544,485 | | Risk adjustment | 151,668 | 161,893 |
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