The following table reconciles direct earned premiums, direct benefits and claims, excluding reserve remeasurement gains and losses, and reserve remeasurement gains and losses to net amounts after the effect of reinsurance.


	Three Months Ended June 30,						Six Months Ended June 30,
(In millions)	2026			2025			2026			2025
Earned premiums:
Direct		$	3,364		$	3,525		$	6,785		$	6,958
Ceded		(136)			(91)			(271)			(179)
Assumed		24			36			48			72
Net earned premiums		$	3,252		$	3,470		$	6,562		$	6,851

Benefits and claims, excluding reserve remeasurement:
Direct		$	1,977		$	2,097		$	3,972		$	4,128
Ceded		(100)			(64)			(188)			(120)
Assumed		21			14			28			25
Benefits and claims, excluding reserve remeasurement		1,898			2,047			3,812			4,033
Reserve remeasurement (gains) losses:
Direct		(43)			(37)			(124)			(78)
Ceded		(2)			0			(3)			0
Assumed		(1)			0			(1)			0
Reserve remeasurement (gains) losses		(46)			(37)			(128)			(78)
Total benefits and claims, net		$	1,852		$	2,010		$	3,684		$	3,955