v3.26.1
Future policy benefits and related reinsurance recoverable - Schedule of Future Policy Benefits (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Present value of Expected Future Policy Benefits      
Total future policy benefits $ 781,881 $ 769,533  
Less: Reinsurance recoverables, net of allowance for credit losses (2,600) (8,600)  
Total future policy benefits 781,881 769,533  
Reinsurance recoverable, excluded from computation 4,500 4,400  
Long term care reinsurance      
Present value of expected net premiums      
Balance, beginning of year 273,395 306,206 $ 363,367
Beginning balance at locked-in discount rate 297,709 343,705 405,083
Change in effect in cashflow assumptions 0 (7,514)  
Effect of actual variances from expected experience (9,308) (12,435)  
Adjusted balance   334,397 385,134
Interest accrual 7,051 6,611  
Net premiums collected (43,739) (48,040)  
Effect of foreign currency 0 0  
Ending balance at locked-in discount rate 297,709 343,705  
Effect of changes in discount rate assumptions (24,314) (37,499)  
Balance, end of year 273,395 306,206  
Present value of Expected Future Policy Benefits      
Balance, beginning of year 1,071,361 1,170,790  
Beginning balance at locked-in discount rate 1,306,356 1,388,196  
Change in effect in cashflow assumptions 2,632 1,102  
Effect of actual variances from expected experience 9,860 1,399  
Adjusted balance, beginning of year   1,318,848 $ 1,390,697
Interest accrual 28,190 23,700  
Benefit payments (107,763) (108,041)  
Ending balance at locked-in discount rate 1,239,275 1,306,356  
Effect of changes in discount rate assumptions (188,468) (234,995)  
Balance, end of year 1,050,807 1,071,361  
Total future policy benefits 777,412 765,155  
Less: Reinsurance recoverables, net of allowance for credit losses (452,254) (445,847)  
Total future policy benefits 325,158 319,308  
Medico Insurance Company      
Present value of Expected Future Policy Benefits      
Total future policy benefits $ 4,500 $ 4,400  
Reinsurance, reinsured risk, percentage 100.00% 100.00%