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 September 30,						Nine Months Ended September 30,
(In millions)	2026			2025			2026			2025
Earned premiums:
Direct		$	3,421		$	3,413		$	10,206		$	10,371
Ceded		(140)			(92)			(411)			(271)
Assumed		23			51			71			123
Net earned premiums		$	3,304		$	3,372		$	9,866		$	10,223

Benefits and claims, excluding reserve remeasurement:
Direct		$	1,978		$	2,051		$	5,950		$	6,179
Ceded		(99)			(57)			(287)			(177)
Assumed		13			22			41			47
Benefits and claims, excluding reserve remeasurement		1,892			2,016			5,704			6,049
Reserve remeasurement (gains) losses:
Direct		(450)			(570)			(574)			(648)
Ceded		(3)			(10)			(6)			(10)
Assumed		0			0			(1)			0
Reserve remeasurement (gains) losses		(453)			(580)			(581)			(658)
Total benefits and claims, net		$	1,439		$	1,436		$	5,123		$	5,391