| 1Underwriting |
Underwriting |
| 2 |
Investment expense |
| 3 |
Policyholder or certificate holder benefits incurred and paid |
| 4 |
Benefits ceded |
| 5 |
Increase or decrease in actuarial liabilities |
| 6Total claims and expenses |
Total claims and expenses |
| 7Net claims incurred |
Net claims incurred |
| 8 |
Dividends and experience rating refunds to policyholder or certificate holder |
| 9Investment income before gains or losses and ancillary income |
Investment income before gains or losses and ancillary income |
| 10 |
Net investment and ancillary income |
| 11 |
Expected credit provisions for losses on lease contracts and loans |
| 12 |
All other miscellaneous expenses |
