| INSURANCE AND OTHER EXPENSES Insurance and Other Expenses for the years ended December 31, 2025, 2024 and 2023 were: | | | | | | | | | | | | | | | | | | | | | | DOLLARS IN MILLIONS | | 2025 | | 2024 | | 2023 | | Insurance and Other Expenses | | | | | | | | Insurance Expenses | | | | | | | Commissions | | $ | 612.9 | | | $ | 596.3 | | | $ | 584.2 | | Taxes, Licenses and Fees | | 91.8 | | | 83.7 | | | 79.6 | | Policy Acquisition Costs (Deferred) Amortized: | | | | | | | | Deferral of Policy Acquisition Costs | | (600.7) | | | (576.4) | | | (563.3) | | | Amortization of Policy Acquisition Costs | | 574.2 | | | 538.0 | | | 607.1 | | Net Policy Acquisition Costs (Deferred) Amortized | | (26.5) | | | (38.4) | | | 43.8 | | Policy Acquisition Costs | | 678.2 | | | 641.6 | | | 707.6 | | | Business Unit Operating Costs | | 310.7 | | | 277.4 | | | 256.1 | | Corporate Overhead Costs | | 178.5 | | | 194.9 | | | 200.0 | | | | | | | | | | | | | | | | | Insurance Expenses | | 1,167.4 | | | 1,113.9 | | | 1,163.7 | | | Other Expenses: | | | | | | | | Acquisition and Disposition Related Transaction, Integration, Restructuring and Other Costs | | 38.0 | | | 40.3 | | | 120.3 | | | Pension Settlement | | — | | | (2.6) | | | 70.2 | | | Other Corporate Costs | | 9.6 | | | 28.5 | | | 11.4 | | | Other Expenses | | 47.6 | | | 66.2 | | | 201.9 | | | Insurance and Other Expenses | | $ | 1,215.0 | | | $ | 1,180.1 | | | $ | 1,365.6 | |
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