v3.25.2
Policy Liabilities - Schedule of Liability for Future Policy Benefit, Activity (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Net liability for future policy benefits—long duration health $ 18,846,755 $ 18,430,672 $ 18,846,755 $ 18,430,672   $ 18,457,263    
Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 11,942,125 12,164,308 11,757,317 12,342,307        
Beginning balance 11,703,583 11,810,065 11,638,918 11,709,368        
Effect of changes in assumptions on future cash flows         $ 0 0 $ 0 $ 0
Effect of actual variances from expected experience         (145,900) (248,041) (164,484) (261,259)
Adjusted balance         11,557,683 11,390,877 11,645,581 11,448,109
Issuances 355,412 378,945 703,819 772,116        
Interest accrual 148,621 148,953 296,440 295,799        
Net premiums collected (333,372) (336,592) (664,897) (670,210)        
Effect of changes in the foreign exchange rate 12,525 (295) 14,630 (9,222)        
Ending balance 11,740,869 11,836,592 11,740,869 11,836,592        
Effect of change from original to current discount rates 259,528 144,945 259,528 144,945        
Ending balance 12,000,397 11,981,537 12,000,397 11,981,537        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 26,792,472 27,061,942 26,334,284 27,723,158        
Beginning balance 25,328,773 24,812,962 25,091,823 24,563,696        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (165,144) (277,064) (179,490) (281,470)
Adjusted balance         25,163,629 24,814,759 24,633,472 24,282,226
Issuances 355,415 378,949 703,819 772,121        
Interest accrual 347,665 339,105 692,440 673,920        
Benefit payments (348,700) (346,281) (697,355) (702,386)        
Effect of changes in the foreign exchange rate 30,386 (965) 34,732 (21,601)        
Ending balance 25,548,395 25,004,280 25,548,395 25,004,280        
Effect of changes in discount rate assumptions 1,394,107 1,503,627 1,394,107 1,503,627        
Ending balance 26,942,502 26,507,907 26,942,502 26,507,907        
Net liability for future policy benefits at original discount rates 13,807,526 13,167,688 13,807,526 13,167,688        
Effect of changes in discount rate assumptions 1,134,579 1,358,682 1,134,579 1,358,682        
Other Adjustments 110 228 110 228        
Net liability for future policy benefits—long duration health 14,942,215 14,526,598 14,942,215 14,526,598        
Reinsurance recoverable (8,175) (43,403) (8,175) (43,403)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 14,934,040 14,483,195 14,934,040 14,483,195        
Policyholder benefits net of remeasurement gain (losses) 16,745 12,394 25,270 17,250        
Life | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 16,745 12,394 25,270 17,250        
Life | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 6,469,631 6,010,536 6,314,148 6,089,728        
Beginning balance 6,588,020 6,120,118 6,512,064 6,069,295        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         1,472 (57,658) (24,146) (99,049)
Adjusted balance         6,589,492 6,454,406 6,095,972 5,970,246
Issuances 211,196 183,579 423,342 380,310        
Interest accrual 76,613 69,293 151,536 137,096        
Net premiums collected (158,759) (143,983) (310,964) (281,929)        
Effect of changes in the foreign exchange rate 1,052 23 1,274 (839)        
Ending balance 6,719,594 6,204,884 6,719,594 6,204,884        
Effect of change from original to current discount rates (91,876) (197,090) (91,876) (197,090)        
Ending balance 6,627,718 6,007,794 6,627,718 6,007,794        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 8,777,467 8,298,702 8,586,253 8,441,002        
Beginning balance 9,090,052 8,548,000 9,006,731 8,484,970        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (5,881) (65,083) (25,095) (103,613)
Adjusted balance         9,084,171 8,941,648 8,522,905 8,381,357
Issuances 210,452 182,986 422,160 379,321        
Interest accrual 105,144 96,978 208,489 192,222        
Benefit payments (168,979) (144,871) (341,861) (293,354)        
Effect of changes in the foreign exchange rate 2,079 (8) 2,431 (1,556)        
Ending balance 9,232,867 8,657,990 9,232,867 8,657,990        
Effect of changes in discount rate assumptions (287,378) (397,206) (287,378) (397,206)        
Ending balance 8,945,489 8,260,784 8,945,489 8,260,784        
Net liability for future policy benefits at original discount rates 2,513,273 2,453,106 2,513,273 2,453,106        
Effect of changes in discount rate assumptions (195,502) (200,116) (195,502) (200,116)        
Other Adjustments 63,652 31,138 63,652 31,138        
Net liability for future policy benefits—long duration health 2,381,423 2,284,128 2,381,423 2,284,128        
Reinsurance recoverable (3,266) (14,489) (3,266) (14,489)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,378,157 2,269,639 2,378,157 2,269,639        
Policyholder benefits net of remeasurement gain (losses) 3,878 3,248 4,322 6,456        
Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 3,878 3,248 4,322 6,456        
Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
American Income | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 4,757,044 4,652,671 4,645,917 4,681,888        
Beginning balance 4,719,733 4,596,138 4,656,710 4,523,329        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (61,093) (112,710) (65,450) (113,699)
Adjusted balance         4,658,640 4,544,000 4,530,688 4,409,630
Issuances 184,580 200,853 380,213 412,701        
Interest accrual 57,175 55,345 113,641 109,168        
Net premiums collected (141,459) (138,480) (281,023) (274,166)        
Effect of changes in the foreign exchange rate 12,525 (295) 14,630 (9,222)        
Ending balance 4,771,461 4,648,111 4,771,461 4,648,111        
Effect of change from original to current discount rates 46,620 (12,208) 46,620 (12,208)        
Ending balance 4,818,081 4,635,903 4,818,081 4,635,903        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 10,112,896 9,958,093 9,870,692 10,163,627        
Beginning balance 9,671,087 9,216,265 9,508,588 9,061,833        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (68,094) (123,908) (69,724) (121,945)
Adjusted balance         9,602,993 9,384,680 9,146,541 8,939,888
Issuances 184,580 200,858 380,214 412,703        
Interest accrual 129,298 122,894 256,757 243,096        
Benefit payments (117,722) (115,802) (226,848) (220,560)        
Effect of changes in the foreign exchange rate 30,386 (965) 34,732 (21,601)        
Ending balance 9,829,535 9,353,526 9,829,535 9,353,526        
Effect of changes in discount rate assumptions 404,619 457,881 404,619 457,881        
Ending balance 10,234,154 9,811,407 10,234,154 9,811,407        
Net liability for future policy benefits at original discount rates 5,058,074 4,705,415 5,058,074 4,705,415        
Effect of changes in discount rate assumptions 357,999 470,089 357,999 470,089        
Other Adjustments 75 194 75 194        
Net liability for future policy benefits—long duration health 5,416,148 5,175,698 5,416,148 5,175,698        
Reinsurance recoverable (177) (170) (177) (170)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 5,415,971 5,175,528 5,415,971 5,175,528        
American Income | Life | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 6,672 3,876 10,851 7,848        
American Income | Life | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
American Income | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 227,273 203,795 223,247 206,381        
Beginning balance 226,852 203,850 225,141 201,869        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (4,863) (9,744) (3,508) (7,058)
Adjusted balance         221,989 215,397 200,342 194,811
Issuances 10,209 12,174 20,650 22,124        
Interest accrual 2,662 2,360 5,305 4,642        
Net premiums collected (6,743) (6,032) (13,457) (11,871)        
Effect of changes in the foreign exchange rate 1,052 23 1,274 (839)        
Ending balance 229,169 208,867 229,169 208,867        
Effect of change from original to current discount rates 661 (2,978) 661 (2,978)        
Ending balance 229,830 205,889 229,830 205,889        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 362,540 328,783 355,303 335,504        
Beginning balance 352,443 317,365 348,711 315,431        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (6,009) (12,205) (4,177) (8,179)
Adjusted balance         346,434 336,506 313,188 307,252
Issuances 10,209 12,177 20,650 22,126        
Interest accrual 4,496 4,019 8,951 7,956        
Benefit payments (5,806) (6,670) (11,126) (13,072)        
Effect of changes in the foreign exchange rate 2,079 (8) 2,431 (1,556)        
Ending balance 357,412 322,706 357,412 322,706        
Effect of changes in discount rate assumptions 9,954 5,730 9,954 5,730        
Ending balance 367,366 328,436 367,366 328,436        
Net liability for future policy benefits at original discount rates 128,243 113,839 128,243 113,839        
Effect of changes in discount rate assumptions 9,293 8,708 9,293 8,708        
Other Adjustments 702 933 702 933        
Net liability for future policy benefits—long duration health 138,238 123,480 138,238 123,480        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 138,238 123,480 138,238 123,480        
American Income | Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 1,089 610 2,338 1,040        
American Income | Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Direct to Consumer | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 5,686,115 5,945,259 5,622,906 6,052,651        
Beginning balance 5,512,271 5,698,050 5,504,912 5,664,259        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (73,750) (112,667) (86,743) (122,971)
Adjusted balance         5,438,521 5,392,245 5,611,307 5,541,288
Issuances 135,319 137,809 257,099 287,040        
Interest accrual 72,325 73,931 144,532 147,351        
Net premiums collected (147,560) (152,759) (295,271) (305,391)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 5,498,605 5,670,288 5,498,605 5,670,288        
Effect of change from original to current discount rates 183,765 140,230 183,765 140,230        
Ending balance 5,682,370 5,810,518 5,682,370 5,810,518        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 9,253,740 9,500,215 9,125,112 9,714,516        
Beginning balance 8,709,934 8,728,403 8,660,948 8,656,752        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (80,546) (122,494) (93,532) (129,976)
Adjusted balance         8,629,388 8,538,454 8,634,871 8,526,776
Issuances 135,318 137,810 257,097 287,041        
Interest accrual 119,903 119,052 239,097 236,977        
Benefit payments (141,860) (142,833) (291,899) (301,894)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 8,742,749 8,748,900 8,742,749 8,748,900        
Effect of changes in discount rate assumptions 535,396 540,934 535,396 540,934        
Ending balance 9,278,145 9,289,834 9,278,145 9,289,834        
Net liability for future policy benefits at original discount rates 3,244,144 3,078,612 3,244,144 3,078,612        
Effect of changes in discount rate assumptions 351,631 400,704 351,631 400,704        
Other Adjustments 0 0 0 0        
Net liability for future policy benefits—long duration health 3,595,775 3,479,316 3,595,775 3,479,316        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,595,775 3,479,316 3,595,775 3,479,316        
Direct to Consumer | Life | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 6,609 6,561 9,589 6,727        
Direct to Consumer | Life | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Direct to Consumer | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 138,383 113,879 133,377 115,363        
Beginning balance 135,412 110,863 131,919 109,880        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         1,116 (299) (144) (2,462)
Adjusted balance         136,528 131,620 110,719 107,418
Issuances 4,770 3,893 11,434 8,503        
Interest accrual 1,723 1,392 3,403 2,760        
Net premiums collected (3,535) (2,757) (6,971) (5,434)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 139,486 113,247 139,486 113,247        
Effect of change from original to current discount rates 3,582 1,629 3,582 1,629        
Ending balance 143,068 114,876 143,068 114,876        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 133,563 107,775 129,277 109,482        
Beginning balance 130,822 105,050 127,975 104,501        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         1,067 (124) (5) (2,326)
Adjusted balance         131,889 127,851 105,045 102,175
Issuances 4,762 3,887 11,392 8,485        
Interest accrual 1,722 1,392 3,403 2,760        
Benefit payments (4,097) (3,181) (8,370) (6,277)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 134,276 107,143 134,276 107,143        
Effect of changes in discount rate assumptions 3,256 1,474 3,256 1,474        
Ending balance 137,532 108,617 137,532 108,617        
Net liability for future policy benefits at original discount rates (5,210) (6,104) (5,210) (6,104)        
Effect of changes in discount rate assumptions (326) (155) (326) (155)        
Other Adjustments 6,259 6,952 6,259 6,952        
Net liability for future policy benefits—long duration health 723 693 723 693        
Reinsurance recoverable 0 0 0 0        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 723 693 723 693        
Direct to Consumer | Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 32 26 28 46        
Direct to Consumer | Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Liberty National | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 1,058,696 1,102,209 1,048,447 1,129,716        
Beginning balance 1,045,143 1,073,485 1,047,020 1,077,831        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (5,858) (13,776) (6,820) (17,268)
Adjusted balance         1,039,285 1,033,244 1,066,665 1,060,563
Issuances 28,611 34,056 54,393 60,219        
Interest accrual 13,535 13,936 27,056 27,775        
Net premiums collected (33,437) (34,015) (66,699) (67,915)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 1,047,994 1,080,642 1,047,994 1,080,642        
Effect of change from original to current discount rates 15,168 4,591 15,168 4,591        
Ending balance 1,063,162 1,085,233 1,063,162 1,085,233        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 3,415,857 3,499,742 3,377,517 3,605,392        
Beginning balance 3,347,430 3,340,412 3,340,219 3,338,252        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (9,006) (17,717) (8,889) (19,337)
Adjusted balance         3,338,424 3,322,502 3,331,523 3,318,915
Issuances 28,612 34,057 54,393 60,221        
Interest accrual 44,830 44,723 89,565 89,276        
Benefit payments (53,062) (53,772) (107,656) (111,881)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,358,804 3,356,531 3,358,804 3,356,531        
Effect of changes in discount rate assumptions 63,014 68,237 63,014 68,237        
Ending balance 3,421,818 3,424,768 3,421,818 3,424,768        
Net liability for future policy benefits at original discount rates 2,310,810 2,275,889 2,310,810 2,275,889        
Effect of changes in discount rate assumptions 47,846 63,646 47,846 63,646        
Other Adjustments 0 0 0 0        
Net liability for future policy benefits—long duration health 2,358,656 2,339,535 2,358,656 2,339,535        
Reinsurance recoverable (7,984) (7,830) (7,984) (7,830)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 2,350,672 2,331,705 2,350,672 2,331,705        
Liberty National | Life | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 1,432 538 1,614 650        
Liberty National | Life | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Liberty National | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 332,931 345,441 337,119 358,472        
Beginning balance 331,182 342,165 338,275 348,570        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (6,587) (17,307) (9,755) (21,165)
Adjusted balance         324,595 320,968 332,410 327,405
Issuances 14,233 15,457 26,889 29,015        
Interest accrual 3,962 4,119 8,053 8,347        
Net premiums collected (13,610) (13,052) (26,730) (25,833)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 329,180 338,934 329,180 338,934        
Effect of change from original to current discount rates 2,671 (1,193) 2,671 (1,193)        
Ending balance 331,851 337,741 331,851 337,741        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 799,440 834,006 804,695 865,808        
Beginning balance 778,662 804,316 791,141 816,819        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (4,250) (15,255) (8,603) (21,424)
Adjusted balance         774,412 775,886 795,713 795,395
Issuances 14,054 15,255 26,531 28,604        
Interest accrual 10,326 10,716 20,796 21,549        
Benefit payments (25,857) (22,368) (50,278) (46,232)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 772,935 799,316 772,935 799,316        
Effect of changes in discount rate assumptions 22,309 16,462 22,309 16,462        
Ending balance 795,244 815,778 795,244 815,778        
Net liability for future policy benefits at original discount rates 443,755 460,382 443,755 460,382        
Effect of changes in discount rate assumptions 19,638 17,655 19,638 17,655        
Other Adjustments 10,861 9,169 10,861 9,169        
Net liability for future policy benefits—long duration health 474,254 487,206 474,254 487,206        
Reinsurance recoverable (890) (1,114) (890) (1,114)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 473,364 486,092 473,364 486,092        
Liberty National | Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) (821) (70) 362 1,141        
Liberty National | Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Other premium | Life                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 440,270 464,169 440,047 478,052        
Beginning balance 426,436 442,392 430,276 443,949        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (5,199) (8,888) (5,471) (7,321)
Adjusted balance         421,237 421,388 436,921 436,628
Issuances 6,902 6,227 12,114 12,156        
Interest accrual 5,586 5,741 11,211 11,505        
Net premiums collected (10,916) (11,338) (21,904) (22,738)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 422,809 437,551 422,809 437,551        
Effect of change from original to current discount rates 13,975 12,332 13,975 12,332        
Ending balance 436,784 449,883 436,784 449,883        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 4,009,979 4,103,892 3,960,963 4,239,623        
Beginning balance 3,600,322 3,527,882 3,582,068 3,506,859        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (7,498) (12,945) (7,345) (10,212)
Adjusted balance         3,592,824 3,569,123 3,520,537 3,496,647
Issuances 6,905 6,224 12,115 12,156        
Interest accrual 53,634 52,436 107,021 104,571        
Benefit payments (36,056) (33,874) (70,952) (68,051)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,617,307 3,545,323 3,617,307 3,545,323        
Effect of changes in discount rate assumptions 391,078 436,575 391,078 436,575        
Ending balance 4,008,385 3,981,898 4,008,385 3,981,898        
Net liability for future policy benefits at original discount rates 3,194,498 3,107,772 3,194,498 3,107,772        
Effect of changes in discount rate assumptions 377,103 424,243 377,103 424,243        
Other Adjustments 35 34 35 34        
Net liability for future policy benefits—long duration health 3,571,636 3,532,049 3,571,636 3,532,049        
Reinsurance recoverable (14) (35,403) (14) (35,403)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 3,571,622 3,496,646 3,571,622 3,496,646        
Other premium | Life | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 2,032 1,419 3,216 2,025        
Other premium | Life | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
United American | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 3,993,693 3,653,395 3,885,530 3,697,771        
Beginning balance 4,005,620 3,661,448 3,948,856 3,625,803        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         25,129 (3,085) 3,458 (37,074)
Adjusted balance         4,030,749 3,945,771 3,664,906 3,588,729
Issuances 111,268 87,190 228,892 191,794        
Interest accrual 48,210 42,808 95,079 84,630        
Net premiums collected (84,085) (74,796) (163,600) (145,045)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 4,106,142 3,720,108 4,106,142 3,720,108        
Effect of change from original to current discount rates 5,981 (61,617) 5,981 (61,617)        
Ending balance 4,112,123 3,658,491 4,112,123 3,658,491        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 4,051,322 3,756,534 3,960,432 3,814,328        
Beginning balance 4,066,655 3,766,995 4,026,860 3,741,530        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         18,426 (6,629) 3,641 (36,684)
Adjusted balance         4,085,081 4,020,231 3,770,636 3,704,846
Issuances 110,710 86,801 228,111 191,231        
Interest accrual 49,086 44,334 97,069 87,778        
Benefit payments (91,821) (78,261) (192,355) (160,345)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 4,153,056 3,823,510 4,153,056 3,823,510        
Effect of changes in discount rate assumptions 1,250 (65,023) 1,250 (65,023)        
Ending balance 4,154,306 3,758,487 4,154,306 3,758,487        
Net liability for future policy benefits at original discount rates 46,914 103,402 46,914 103,402        
Effect of changes in discount rate assumptions (4,731) (3,406) (4,731) (3,406)        
Other Adjustments 45,814 14,032 45,814 14,032        
Net liability for future policy benefits—long duration health 87,997 114,028 87,997 114,028        
Reinsurance recoverable (2,376) (2,905) (2,376) (2,905)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 85,621 111,123 85,621 111,123        
United American | Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 1,938 1,013 (1,882) 677        
United American | Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 0 0 0 0        
Family Heritage | Health                
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]                
Beginning balance 1,777,351 1,694,026 1,734,875 1,711,741        
Beginning balance 1,888,954 1,801,792 1,867,873 1,783,173        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (13,323) (27,223) (14,197) (31,290)
Adjusted balance         1,875,631 1,840,650 1,787,595 1,751,883
Issuances 70,716 64,865 135,477 128,874        
Interest accrual 20,056 18,614 39,696 36,717        
Net premiums collected (50,786) (47,346) (100,206) (93,746)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 1,915,617 1,823,728 1,915,617 1,823,728        
Effect of change from original to current discount rates (104,771) (132,931) (104,771) (132,931)        
Ending balance 1,810,846 1,690,797 1,810,846 1,690,797        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Beginning balance 3,430,602 3,271,604 3,336,546 3,315,880        
Beginning balance 3,761,470 3,554,274 3,712,044 3,506,689        
Effect of changes in assumptions on future cash flows         0 0 0 0
Effect of actual variances from expected experience         (15,115) (30,870) (15,951) (35,000)
Adjusted balance         $ 3,746,355 $ 3,681,174 $ 3,538,323 $ 3,471,689
Issuances 70,717 64,866 135,476 128,875        
Interest accrual 39,514 36,517 78,270 72,179        
Benefit payments (41,398) (34,391) (79,732) (67,428)        
Effect of changes in the foreign exchange rate 0 0 0 0        
Ending balance 3,815,188 3,605,315 3,815,188 3,605,315        
Effect of changes in discount rate assumptions (324,147) (355,849) (324,147) (355,849)        
Ending balance 3,491,041 3,249,466 3,491,041 3,249,466        
Net liability for future policy benefits at original discount rates 1,899,571 1,781,587 1,899,571 1,781,587        
Effect of changes in discount rate assumptions (219,376) (222,918) (219,376) (222,918)        
Other Adjustments 16 52 16 52        
Net liability for future policy benefits—long duration health 1,680,211 1,558,721 1,680,211 1,558,721        
Reinsurance recoverable 0 (10,470) 0 (10,470)        
Net liability for future policy benefits, after reinsurance recoverable, at current discount rates 1,680,211 1,548,251 1,680,211 1,548,251        
Family Heritage | Health | Gain Loss From Expereince                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) 1,640 1,669 3,476 3,552        
Family Heritage | Health | Gain (Loss) From Unlocking Assumptions                
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]                
Policyholder benefits net of remeasurement gain (losses) $ 0 $ 0 $ 0 $ 0