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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number 1-11848

REINSURANCE GROUP OF AMERICA, INCORPORATED

(Exact name of Registrant as specified in its charter)


Missouri						43-1627032
(State or other jurisdiction						(IRS employer
of incorporation or organization)						identification number)

16600 Swingley Ridge Road

Chesterfield, Missouri 63017

(Address of principal executive offices)

(636) 736-7000

(Registrant’s telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes x No o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes x No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer x Accelerated filer o Non-accelerated filer o

Smaller reporting company ☐ Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No ☒

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01

RGA

New York Stock Exchange

5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056

RZB

New York Stock Exchange

7.125% Fixed Rate Subordinated Debentures due 2052

RZC

New York Stock Exchange

As of October 21, 2025, 65,713,833 shares of the registrant’s common stock were outstanding.

Table of Contents

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

TABLE OF CONTENTS


Item		Page

	PART I – FINANCIAL INFORMATION

1	Financial Statements (Unaudited) as of September 30, 2025 and December 31, 2024 and for the Three and Nine Months Ended September 30, 2025 and 2024
	Condensed Consolidated Balance Sheets	3
	Condensed Consolidated Statements of Income	4
	Condensed Consolidated Statements of Comprehensive Income	5
	Condensed Consolidated Statements of Equity	6
	Condensed Consolidated Statements of Cash Flows	7
	Notes to Condensed Consolidated Financial Statements (Unaudited)
	Note 1 Business and Basis of Presentation	8
	Note 2 Earnings Per Share	8
	Note 3 Equity	8
	Note 4 Future Policy Benefits	10
	Note 5 Policyholder Account Balances	18
	Note 6 Unpaid Claims and Claim Expense – Short-Duration Contracts	20
	Note 7 Market Risk Benefits	21
	Note 8 Deferred Policy Acquisition Costs and Other	22
	Note 9 Reinsurance	23
	Note 10 Investments	24
	Note 11 Derivative Instruments	33
	Note 12 Fair Value of Assets and Liabilities	39
	Note 13 Income Tax	47
	Note 14 Employee Benefit Plans	48
	Note 15 Commitments, Contingencies and Guarantees	48
	Note 16 Segment Information	50
	Note 17 Financing Activities	55
	Note 18 New Accounting Standards	55
2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	56
3	Quantitative and Qualitative Disclosure About Market Risk	82
4	Controls and Procedures	82

	PART II – OTHER INFORMATION

1	Legal Proceedings	83
1A	Risk Factors	83
2	Unregistered Sales of Equity Securities and Use of Proceeds	85
5	Other Information	85
6	Exhibits	85
	Index to Exhibits	86
	Glossary of Selected Terms	87
	Signatures	91

Table of Contents

PART I – FINANCIAL INFORMATION

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

(in millions, except share data)

(Unaudited)


	September 30, 2025		December 31, 2024
Assets
Fixed maturity securities available-for-sale, at fair value (amortized cost of $104,461 and $82,907; allowance for credit losses of $161 and $98)	$	99,573	$	77,617
Equity securities, at fair value	161		155
Mortgage loans (net of allowance for credit losses of $113 and $93)	10,507		8,839
Policy loans	3,570		1,321
Funds withheld at interest	8,268		5,436
Limited partnerships and real estate joint ventures	3,648		3,067
Short-term investments	381		363
Other invested assets	1,496		1,242
Total investments	127,604		98,040
Cash and cash equivalents	4,625		3,326
Accrued investment income	1,275		986
Premiums receivable and other reinsurance balances	4,035		3,898
Reinsurance ceded receivables and other	5,758		5,531
Deferred policy acquisition costs and other	5,954		5,543

Other assets	2,752		1,351
Total assets	$	152,003	$	118,675
Liabilities and equity
Future policy benefits	$	66,389	$	53,368
Interest-sensitive contract liabilities	49,634		35,095
Market risk benefits, at fair value	238		223
Other policy claims and benefits	3,032		2,693
Other reinsurance balances	1,600		1,316
Deferred income taxes	2,591		2,199
Funds withheld payable	5,277		5,017
Other liabilities	4,440		2,816

Long-term debt	5,734		5,042

Total liabilities	138,935		107,769
Commitments and contingent liabilities (See Note 15)
Equity
Preferred stock – par value $0.01 per share, 10,000,000 shares authorized, no shares issued or outstanding	—		—
Common stock – par value $0.01 per share, 140,000,000 shares authorized, 85,310,598 shares issued at September 30, 2025 and December 31, 2024	1		1
Additional paid-in-capital	2,628		2,600
Retained earnings	9,757		9,255
Treasury stock, at cost – 19,601,159 and 19,438,336 shares at September 30, 2025 and December 31, 2024	(1,960)		(1,889)
Accumulated other comprehensive income	2,552		849
Total RGA, Inc. shareholders’ equity	12,978		10,816
Noncontrolling interest	90		90
Total equity	13,068		10,906
Total liabilities and shareholders’ equity	$	152,003	$	118,675

See accompanying notes to condensed consolidated financial statements (unaudited).

Table of Contents

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(in millions, except per share amounts)

(Unaudited)


	Three months ended September 30,				Nine months ended September 30,
	2025		2024		2025		2024
Revenues
Net premiums	$	4,280	$	4,391	$	12,450	$	13,687
Net investment income	1,475		1,188		4,115		3,231
Investment related gains (losses), net	13		(78)		(110)		(498)
Other revenues	436		150		608		446
Total revenues	6,204		5,651		17,063		16,866
Benefits and expenses
Claims and other policy benefits	4,356		4,116		12,223		12,960
Future policy benefits remeasurement (gains) losses	85		151		97		37
Market risk benefits remeasurement (gains) losses	(1)		31		11		(12)
Interest credited	547		310		1,160		795
Policy acquisition costs and other insurance expenses	471		452		1,321		1,230
Other operating expenses	328		299		953		883
Interest expense	98		78		268		218
Total benefits and expenses	5,884		5,437		16,033		16,111
Income before income taxes	320		214		1,030		755
Provision for income taxes	65		56		306		181
Net income	255		158		724		574
Net income attributable to noncontrolling interest	2		2		5		5
Net income available to RGA, Inc. shareholders	$	253	$	156	$	719	$	569

Earnings per share
Basic earnings per share	$	3.85	$	2.37	$	10.89	$	8.64
Diluted earnings per share	$	3.81	$	2.33	$	10.78	$	8.53

See accompanying notes to condensed consolidated financial statements (unaudited).

Table of Contents

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(in millions)

(Unaudited)


	Three months ended September 30,				Nine months ended September 30,
	2025		2024		2025		2024
Comprehensive income (loss)
Net income	$	255	$	158	$	724	$	574
Other comprehensive income (loss), net of tax:
Foreign currency translation adjustments	(47)		22		102		39
Net unrealized investment gains (losses)	698		1,894		327		868
Effect of updating discount rates on future policy benefits	149		(624)		1,270		731
Change in instrument-specific credit risk for market risk benefits	(2)		—		(1)		3
Defined benefit pension and postretirement plan adjustments	2		—		5		—
Total other comprehensive income (loss), net of tax	800		1,292		1,703		1,641
Total comprehensive income	1,055		1,450		2,427		2,215
Comprehensive income attributable to noncontrolling interest	2		2		5		5
Total comprehensive income attributable to RGA, Inc.	$	1,053	$	1,448	$	2,422	$	2,210

See accompanying notes to condensed consolidated financial statements (unaudited).

Table of Contents

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF EQUITY

(in millions except per share amounts)

(Unaudited)


	Three months ended September 30, 2025 and 2024
	Common Stock		Additional Paid In Capital		Retained Earnings		Treasury Stock		Accumulated Other Comprehensive Income (Loss)		Total RGA, Inc. Shareholders’ Equity		Noncontrolling Interest		Total Equity
Balance, June 30, 2025	$	1	$	2,624	$	9,563	$	(1,887)	$	1,752	$	12,053	$	90	$	12,143

Change in equity of noncontrolling interest													(2)		(2)
Net income					253						253		2		255
Total other comprehensive income (loss)									800		800				800
Dividends to shareholders, $0.93 per share					(61)						(61)				(61)

Purchase of treasury stock							(75)				(75)				(75)
Reissuance of treasury stock			4		2		2				8				8
Balance, September 30, 2025	$	1	$	2,628	$	9,757	$	(1,960)	$	2,552	$	12,978	$	90	$	13,068


Balance, June 30, 2024	$	1	$	2,567	$	9,076	$	(1,889)	$	(20)	$	9,735	$	90	$	9,825

Change in equity of noncontrolling interest													(2)		(2)
Net income					156						156		2		158
Total other comprehensive income (loss)									1,292		1,292				1,292
Dividends to shareholders, $0.89 per share					(59)						(59)				(59)

Purchase of treasury stock							(7)				(7)				(7)
Reissuance of treasury stock			10		(7)		7				10				10
Balance, September 30, 2024	$	1	$	2,577	$	9,166	$	(1,889)	$	1,272	$	11,127	$	90	$	11,217


	Nine months ended September 30, 2025 and 2024
	Common Stock		Additional Paid In Capital		Retained Earnings		Treasury Stock		Accumulated Other Comprehensive Income (Loss)		Total RGA, Inc. Shareholders’ Equity		Noncontrolling Interest		Total Equity
Balance, December 31, 2024	$	1	$	2,600	$	9,255	$	(1,889)	$	849	$	10,816	$	90	$	10,906
Change in equity of noncontrolling interest													(5)		(5)
Net income					719						719		5		724
Total other comprehensive income (loss)									1,703		1,703				1,703
Dividends to shareholders, $2.71 per share					(179)						(179)				(179)
Purchase of treasury stock							(113)				(113)				(113)
Reissuance of treasury stock			28		(38)		42				32				32
Balance, September 30, 2025	$	1	$	2,628	$	9,757	$	(1,960)	$	2,552	$	12,978	$	90	$	13,068


Balance, December 31, 2023	$	1	$	2,544	$	8,805	$	(1,900)	$	(369)	$	9,081	$	90	$	9,171
Change in equity of noncontrolling interest													(5)		(5)
Net income					569						569		5		574
Total other comprehensive income (loss)									1,641		1,641				1,641
Dividends to shareholders, $2.59 per share					(171)						(171)				(171)
Purchase of treasury stock							(26)				(26)				(26)
Reissuance of treasury stock			33		(37)		37				33				33
Balance, September 30, 2024	$	1	$	2,577	$	9,166	$	(1,889)	$	1,272	$	11,127	$	90	$	11,217

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(in millions)

(Unaudited)


	Nine months ended September 30,
	2025		2024

Net cash provided by operating activities	$	3,239	$	7,770
Cash flows from investing activities
Sales of fixed maturity securities available-for-sale	20,807		21,499
Purchases of fixed maturity securities available-for-sale	(27,838)		(30,256)
Maturities of fixed maturity securities available-for-sale	929		1,030
Sales of equity securities	59		7
Purchases of equity securities	(1)		(18)
Principal payments on mortgage loans	611		386
Cash invested in mortgage loans	(2,246)		(1,118)
Deposits in funds withheld at interest	305		257
Sales of limited partnerships and real estate joint ventures	336		181
Purchases of limited partnerships and real estate joint ventures	(841)		(435)
Sales of short-term investments	859		596
Purchases of short-term investments	(1,204)		(691)
Maturities of short-term investments	503		191
Change in other invested assets	(219)		(37)
Purchase of note receivable	(1,012)		—
Principal payment on note receivable	3		—
Other, net	125		25
Net cash used in investing activities	(8,824)		(8,383)
Cash flows from financing activities
Dividends to shareholders	(179)		(171)
Proceeds from long-term debt issuance, net	691		640
Principal payments of long-term debt	(3)		(3)
Purchase of treasury stock	(113)		(26)
Treasury stock reissued	4		—
Change in cash collateral for derivatives and other arrangements	1,222		375
Change in deposit asset on reinsurance	144		221
Deposits on investment-type policies and contracts	8,367		5,720
Withdrawals on investment-type policies and contracts	(3,320)		(3,892)
Net cash provided by financing activities	6,813		2,864
Effect of exchange rate changes on cash	71		(26)
Change in cash and cash equivalents	1,299		2,225
Cash and cash equivalents, beginning of period	3,326		2,970
Cash and cash equivalents, end of period	$	4,625	$	5,195
Supplemental disclosures of cash flow information
Interest paid	$	200	$	159
Income taxes paid, net of refunds	$	184	$	50
Non-cash investing activities
Transfer of invested assets	$	15,981	$	9,052
Right-of-use assets acquired through operating leases	$	10	$	—
Non-cash financing activities
Non-cash deposit on reinsurance	$	424	$	418

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

Notes to Condensed Consolidated Financial Statements

(Unaudited)

NOTE 1 BUSINESS AND BASIS OF PRESENTATION

Business

Reinsurance Group of America, Incorporated (“RGA” and, collectively with its subsidiaries, the “Company”) is an insurance holding company that was formed on December 31, 1992. The Company is engaged in providing traditional reinsurance, which includes individual and group life and health, disability and critical illness reinsurance. The Company also provides financial solutions, which include longevity reinsurance, asset-intensive products (primarily annuities), financial reinsurance, capital solutions, pension risk transfer (“PRT”) and stable value products.

Basis of Presentation

The unaudited condensed consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X of the Securities and Exchange Commission (“SEC”). Accordingly, these condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with the Company’s 2024 Annual Report on Form 10-K filed with the SEC on February 24, 2025 (the “2024 Annual Report”).

In the opinion of management, all adjustments, including normal recurring adjustments necessary for a fair presentation, have been included. Interim results are not necessarily indicative of the results that may be expected for the year ending December 31, 2025.

Consolidation

These unaudited condensed consolidated financial statements include the accounts of RGA and its subsidiaries and all intercompany accounts and transactions have been eliminated. Entities for which the Company has significant influence over the operating and financing decisions but are not required to be consolidated are reported under the equity method of accounting.

NOTE 2 EARNINGS PER SHARE

The following table sets forth the computation of basic and diluted earnings per share on net income (in millions, except per share information):


	Three months ended September 30,				Nine months ended September 30,
	2025		2024		2025		2024
Earnings:
Net income (numerator for basic and diluted calculations)	$	255	$	158	$	724	$	574
Less: Net income attributable to noncontrolling interest	2		2		5		5
Net income available to RGA, Inc. shareholders	$	253	$	156	$	719	$	569
Shares:
Weighted average outstanding shares (denominator for basic calculation)	66		66		66		66
Equivalent shares from outstanding stock awards	1		1		1		1
Diluted shares (denominator for diluted calculation)	67		67		67		67
Earnings per share:
Basic	$	3.85	$	2.37	$	10.89	$	8.64
Diluted	$	3.81	$	2.33	$	10.78	$	8.53

The calculation of common equivalent shares does not include the impact of stock awards with a conversion price that exceeds the average stock price for the earnings period as the result would be antidilutive. The calculation of common equivalent shares also excludes the impact of outstanding performance share awards as the conditions necessary for their issuance have not been satisfied as of the end of the reporting period.

NOTE 3 EQUITY

Common stock

The changes in number of common stock shares issued, held in treasury and outstanding are as follows for the periods indicated:

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	Issued	Held In Treasury	Outstanding
Balance, December 31, 2024	85,310,598	19,438,336	65,872,262

Common stock acquired	—	406,337	(406,337)
Equity based plans	—	(243,514)	243,514
Balance, September 30, 2025	85,310,598	19,601,159	65,709,439


	Issued	Held In Treasury	Outstanding
Balance, December 31, 2023	85,310,598	19,689,885	65,620,713
Common stock acquired	—	—	—
Equity based plans	—	(243,171)	243,171
Balance, September 30, 2024	85,310,598	19,446,714	65,863,884

Common Stock Held in Treasury

Common stock held in treasury is accounted for at average cost. Gains resulting from the reissuance of common stock held in treasury are credited to additional paid-in capital. Losses resulting from the reissuance of common stock held in treasury are charged first to additional paid-in capital to the extent the Company has previously recorded gains on treasury share transactions, then to retained earnings.

On January 23, 2024, the Company’s board of directors authorized a share repurchase program for up to $500 million of its outstanding common stock. During the nine months ended September 30, 2025, the Company repurchased 406,337 shares of common stock under this program. As of September 30, 2025, the aggregate amount remaining under the Company’s share repurchase authorization was $425 million.

Noncontrolling Interest

In 2022, Papara Financing LLC (“Papara”), a subsidiary of RGA Reinsurance Company, issued nonconvertible preferred interests to an unaffiliated third party. The membership interests in Papara consist of common interests, which are held by RGA Reinsurance Company, and preferred interests. The preferred interests, included in noncontrolling interest, total $90 million.

Accumulated Other Comprehensive Income (Loss)

The balance of and changes in each component of accumulated other comprehensive income (loss) (“AOCI”) for the nine months ended September 30, 2025 and 2024 are as follows (dollars in millions):


	Accumulated Other Comprehensive Income (Loss), Net of Income Tax
	Foreign Currency Translation Adjustments		Net Unrealized Investment Gains (Losses) (1)		Pension and Postretirement Benefits		Effect of Updating Discount Rates on Future Policy Benefits		Instrument-Specific Credit Risk for Market Risk Benefits		Total
Balance, December 31, 2024	$	(19)	$	(4,526)	$	(20)	$	5,412	$	2	$	849
Other comprehensive income (loss) before reclassifications	85		219		6		1,645		(1)		1,954
Amounts reclassified from AOCI	—		175		—		—		—		175
Deferred income tax benefit (expense)	17		(67)		(1)		(375)		—		(426)
Balance, September 30, 2025	$	83	$	(4,199)	$	(15)	$	6,682	$	1	$	2,552


	Accumulated Other Comprehensive Income (Loss), Net of Income Tax
	Foreign Currency Translation Adjustments		Net Unrealized Investment Gains (Losses) (1)		Pension and Postretirement Benefits		Effect of Updating Discount Rates on Future Policy Benefits		Instrument-Specific Credit Risk for Market Risk Benefits		Total
Balance, December 31, 2023	$	69	$	(3,668)	$	(29)	$	3,256	$	3	$	(369)
Other comprehensive income (loss) before reclassifications	50		696		(1)		938		4		1,687
Amounts reclassified from AOCI	—		389		1		—		—		390
Deferred income tax benefit (expense)	(11)		(217)		—		(207)		(1)		(436)
Balance, September 30, 2024	$	108	$	(2,800)	$	(29)	$	3,987	$	6	$	1,272

(1)Includes cash flow hedges of $(572) and $(495) as of September 30, 2025 and December 31, 2024, respectively, and $(229) and $(218) as of September 30, 2024 and December 31, 2023, respectively. See Note 11 – “Derivative Instruments” for additional information on cash flow hedges.

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The following table presents the amounts of AOCI reclassifications for the three and nine months ended September 30, 2025 and 2024 (dollars in millions):


	Amount Reclassified from AOCI
	Three months ended September 30,				Nine months ended September 30,				Affected Line Item in Statements of Income
Details about AOCI Components	2025		2024		2025		2024
Net unrealized investment gains (losses):
Net unrealized gains (losses) on available-for-sale securities	$	8	$	(68)	$	(127)	$	(356)	Investment related gains (losses), net
Cash flow hedges – Interest rate	1		3		3		9		(1)
Cash flow hedges – Foreign currency	(17)		(20)		(51)		(42)		(1)

Total	(8)		(85)		(175)		(389)
Provision for income taxes	(9)		18		25		79
Net unrealized gains (losses), net of tax	$	(17)	$	(67)	$	(150)	$	(310)
Amortization of defined benefit plan items:
Prior service cost (credit)	$	—	$	—	$	1	$	1	(2)
Actuarial gains (losses)	(1)		(1)		(1)		(2)		(2)
Total	(1)		(1)		—		(1)
Provision for income taxes	—		—		—		—
Amortization of defined benefit plans, net of tax	$	(1)	$	(1)	$	—	$	(1)

Total reclassifications for the period	$	(18)	$	(68)	$	(150)	$	(311)

(1)See Note 11 – “Derivative Instruments” for additional information on cash flow hedges.

(2)This AOCI component is included in the computation of the net periodic pension cost. See Note 14 – “Employee Benefit Plans” for additional details.

Equity Based Compensation

Equity compensation expense was $29 million and $37 million for the nine months ended September 30, 2025 and 2024, respectively. In the first quarter of 2025, the Company granted 120,011 stock appreciation rights at $193.00 weighted average exercise price per share, 131,836 performance shares and 86,474 restricted stock units to employees. As of September 30, 2025, 1,281,263 share awards at a weighted average strike price per share of $124.33 were vested and exercisable with a remaining weighted average exercise period of 4.0 years. As of September 30, 2025, the total compensation cost of non-vested awards not yet recognized in the financial statements was $51 million. It is estimated that these costs will vest over a weighted average period of 1.7 years.

NOTE 4 FUTURE POLICY BENEFITS

It is the Company’s policy to complete its annual assumptions review during the third quarter of each year. However, the Company reviews actual and anticipated experience compared to the assumptions used to compute the liability for future policy benefits on a quarterly basis and will update those assumptions during the quarter that indicates an assumption update is necessary.

Traditional Business

Significant assumptions used to compute the liability for future policy benefits for the Traditional business include mortality, morbidity, lapse rates and discount rates (both accretion and current). During the third quarter of 2025 and 2024, the Company completed its annual assumptions review resulting in a $183 million and $39 million increase in the Company’s liability for future policy benefits for its Traditional business, respectively. The increases in the liability in 2025 and 2024 were primarily the result of updating the mortality and lapse assumptions used to measure the liability for future policy benefits.

The following tables provide the balances of and changes in the Company’s liability for future policy benefits for long-duration reinsurance contracts for its Traditional business, which primarily consists of individual life, group life and critical illness reinsurance, for the nine months ended September 30, 2025 and 2024 (dollars in millions):

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For the nine months ended September 30, 2025:	U.S. and Latin America – Traditional			Canada – Traditional			Europe, Middle East and Africa – Traditional			Asia Pacific – Traditional
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	77,881		$	20,928		$	15,911		$	44,801
Effect of changes in cash flow assumptions	(352)			570			38			150
Effect of actual variances from expected experience	(467)			70			546			(668)
Adjusted balance, beginning of year	77,062			21,568			16,495			44,283
Issuances (1)	7,821			404			1,106			3,752
Interest accrual (2)	2,688			559			444			952
Net premiums collected (3)	(5,814)			(723)			(1,413)			(1,854)
Derecognition (4)	(812)			—			—			—
Foreign currency translation	4			694			1,295			1,582
Ending balance at original discount rate	80,949			22,502			17,927			48,715
Effect of changes in discount rate assumptions	(7,000)			(4,501)			(3,013)			(12,252)
Balance, end of period	$	73,949		$	18,001		$	14,914		$	36,463

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	90,711		$	24,309		$	17,365		$	49,712
Effect of changes in cash flow assumptions	(381)			561			261			148
Effect of actual variances from expected experience	(406)			73			536			(733)
Adjusted balance, beginning of year	89,924			24,943			18,162			49,127
Issuances (1)	8,521			404			1,106			3,752
Interest accrual (2)	3,227			719			479			1,086
Benefit payments (5)	(4,502)			(808)			(1,300)			(1,553)
Derecognition (4)	(812)			—			—			—
Foreign currency translation	6			808			1,427			1,649
Ending balance at original discount rate	96,364			26,066			19,874			54,061
Effect of changes in discount rate assumptions	(8,917)			(3,934)			(3,590)			(14,609)
Balance, end of period	$	87,447		$	22,132		$	16,284		$	39,452

Liability for future policy benefits	$	13,498		$	4,131		$	1,370		$	2,989
Less: reinsurance recoverable	(834)			(254)			(15)			(78)
Net liability for future policy benefits	$	12,664		$	3,877		$	1,355		$	2,911

Weighted average duration of the liability (in years)	11			14			8			15
Weighted average interest accretion rate	4.6		%	3.7		%	3.5		%	2.8		%
Weighted average current discount rate	5.4		%	4.9		%	5.7		%	4.6		%

(1)Issuances: The present value, using the original discount rate, of the expected net premiums or the expected future policy benefits related to new reinsurance contracts that became effective during the current period and new policies assumed on existing contracts.

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

(4)Derecognition: Includes the effects of treaty recaptures and treaty amendments that resulted in the termination of an existing treaty and the issuance of a new treaty under the internal replacement model.

(5)Benefit payments: The release of the present value, using the original discount rate, of the expected future policy benefits due to death, lapse/withdrawal, and other benefit payments based on current assumptions.

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For the nine months ended September 30, 2024:	U.S. and Latin America – Traditional			Canada – Traditional			Europe, Middle East and Africa – Traditional			Asia Pacific – Traditional
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	76,943		$	22,689		$	15,328		$	42,741
Effect of changes in cash flow assumptions	67			(592)			187			975
Effect of actual variances from expected experience	(510)			183			421			210
Adjusted balance, beginning of year	76,500			22,280			15,936			43,926
Issuances (1)	4,980			385			861			2,825
Interest accrual (2)	2,617			560			394			843
Net premiums collected (3)	(4,390)			(737)			(1,119)			(1,653)
Derecognition (4)	(1,000)			—			—			—
Foreign currency translation	(6)			(480)			751			(139)
Ending balance at original discount rate	78,701			22,008			16,823			45,802
Effect of changes in discount rate assumptions	(4,225)			(4,388)			(2,803)			(12,360)
Balance, end of period	$	74,476		$	17,620		$	14,020		$	33,442

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	89,036		$	26,275		$	16,756		$	47,370
Effect of changes in cash flow assumptions	36			(620)			212			1,048
Effect of actual variances from expected experience	(623)			177			417			121
Adjusted balance, beginning of year	88,449			25,832			17,385			48,539
Issuances (1)	4,980			385			861			2,825
Interest accrual (2)	3,049			721			425			964
Benefit payments (5)	(4,292)			(799)			(1,115)			(1,476)
Derecognition (4)	(1,008)			—			—			—
Foreign currency translation	(5)			(563)			794			(138)
Ending balance at original discount rate	91,173			25,576			18,350			50,714
Effect of changes in discount rate assumptions	(5,364)			(3,651)			(3,131)			(14,496)
Balance, end of period	$	85,809		$	21,925		$	15,219		$	36,218

Liability for future policy benefits	$	11,333		$	4,305		$	1,199		$	2,776
Less: reinsurance recoverable	(726)			(272)			(24)			(85)
Net liability for future policy benefits	$	10,607		$	4,033		$	1,175		$	2,691

Weighted average duration of the liability (in years)	12			14			8			15
Weighted average interest accretion rate	4.6		%	3.6		%	3.3		%	2.6		%
Weighted average current discount rate	5.1		%	4.8		%	5.5		%	4.6		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

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The Company’s Traditional business actual-to-expected variances and the effects of changes in cash flow and discount rate assumptions for the nine months ended September 30, 2025 and 2024 are summarized in the tables below:

For the nine months ended September 30, 2025:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Traditional

$15.4 billion

$(29) million

$61 million

$375 million

Canada – Traditional

$3.6 billion

$(9) million

$3 million

$(152) million

Europe, Middle East and Africa – Traditional

$1.9 billion

$223 million

$(10) million

$(243) million

Asia Pacific – Traditional

$5.3 billion

$(2) million

$(65) million

$(49) million

For the nine months ended September 30, 2024:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Traditional

$12.5 billion

$(31) million

$(113) million

$7 million

Canada – Traditional

$3.6 billion

$(28) million

$(6) million

$(134) million

Europe, Middle East and Africa – Traditional

$1.5 billion

$25 million

$(4) million

$(109) million

Asia Pacific – Traditional

$4.9 billion

$73 million

$(89) million

$(171) million

Financial Solutions Business

Significant assumptions used to compute the liability for future policy benefits for the Financial Solutions business include mortality, morbidity, lapse rates and discount rates (both accretion and current). During the third quarter of 2025 and 2024, the Company completed its annual assumptions review resulting in a $24 million decrease and $20 million increase in the Company’s liability for future policy benefits for its Financial Solutions business, respectively. The decrease and increase in the liability in 2025 and 2024, respectively, were primarily the result of updating the lapse and mortality assumptions used to measure the liability for future policy benefits.

The following tables provide the balances of and changes in the Company’s liability for future policy benefits, including the deferred profit liability related to the longevity business, for its Financial Solutions business, which primarily consists of longevity reinsurance, asset-intensive products (primarily annuities), financial reinsurance and pension risk transfer transactions, for the nine months ended September 30, 2025 and 2024 (dollars in millions):

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For the nine months ended September 30, 2025:	U.S. and Latin America – Financial Solutions			Canada – Financial Solutions			Europe, Middle East and Africa – Financial Solutions			Asia Pacific – Financial Solutions
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	1,346		$	3,614		$	71,360		$	2,758
Effect of changes in cash flow assumptions	—			—			(409)			—
Effect of actual variances from expected experience	(10)			6			(32)			(121)
Adjusted balance, beginning of year	1,336			3,620			70,919			2,637
Issuances (1)	2,118			—			15,195			2,657
Interest accrual (2)	30			99			2,078			31
Net premiums collected (3)	(2,219)			(278)			(7,283)			(3,227)
Derecognition (4)	—			—			(257)			—
Foreign currency translation	—			119			6,038			181
Ending balance at original discount rate	1,265			3,560			86,690			2,279
Effect of changes in discount rate assumptions	(194)			(182)			(10,484)			(621)
Balance, end of period	$	1,071		$	3,378		$	76,206		$	1,658

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	9,489		$	7,934		$	78,290		$	14,626
Effect of changes in cash flow assumptions	—			—			(433)			—
Effect of actual variances from expected experience	(13)			6			(51)			(127)
Adjusted balance, beginning of year	9,476			7,940			77,806			14,499
Issuances (1)	2,146			—			15,194			2,666
Interest accrual (2)	396			263			2,298			251
Benefit payments (5)	(784)			(347)			(4,834)			(499)
Derecognition (4)	—			—			(257)			—
Foreign currency translation	—			265			6,539			880
Ending balance at original discount rate	11,234			8,121			96,746			17,797
Effect of changes in discount rate assumptions	(332)			(125)			(11,507)			(3,729)
Balance, end of period	$	10,902		$	7,996		$	85,239		$	14,068

Cumulative amount of fair value hedging adjustments	$	8		$	—		$	—		$	—

Liability for future policy benefits	$	9,839		$	4,618		$	9,033		$	12,410
Less: reinsurance recoverable	(1,749)			—			—			—
Net liability for future policy benefits	$	8,090		$	4,618		$	9,033		$	12,410

Weighted average duration of the liability (in years)	9			12			9			14
Weighted average interest accretion rate	4.1		%	4.1		%	3.5		%	1.9		%
Weighted average current discount rate	5.3		%	4.8		%	5.4		%	4.0		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

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For the nine months ended September 30, 2024:	U.S. and Latin America – Financial Solutions			Canada – Financial Solutions			Europe, Middle East and Africa – Financial Solutions			Asia Pacific – Financial Solutions
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	1,455		$	3,184		$	54,832		$	2,057
Effect of changes in cash flow assumptions	12			—			(93)			1
Effect of actual variances from expected experience	(3)			(7)			1,025			(7)
Adjusted balance, beginning of year	1,464			3,177			55,764			2,051
Issuances (1)	2,755			4,983			9,881			6,443
Interest accrual (2)	33			96			1,364			22
Net premiums collected (3)	(2,867)			(4,284)			(4,046)			(6,823)
Derecognition (4)	—			—			—			—
Foreign currency translation	—			(56)			2,596			(52)
Ending balance at original discount rate	1,385			3,916			65,559			1,641
Effect of changes in discount rate assumptions	(179)			(204)			(8,677)			(232)
Balance, end of period	$	1,206		$	3,712		$	56,882		$	1,409

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	6,843		$	3,210		$	60,938		$	8,019
Effect of changes in cash flow assumptions	20			—			(90)			10
Effect of actual variances from expected experience	—			(7)			1,026			(8)
Adjusted balance, beginning of year	6,863			3,203			61,874			8,021
Issuances (1)	2,882			4,983			9,881			6,443
Interest accrual (2)	276			189			1,530			129
Benefit payments (5)	(538)			(310)			(3,676)			(326)
Derecognition (4)	—			—			—			—
Foreign currency translation	—			(3)			2,918			108
Ending balance at original discount rate	9,483			8,062			72,527			14,375
Effect of changes in discount rate assumptions	(215)			(33)			(9,571)			(1,544)
Balance, end of period	$	9,268		$	8,029		$	62,956		$	12,831

Cumulative amount of fair value hedging adjustments	$	32		$	—		$	—		$	—

Liability for future policy benefits	$	8,094		$	4,317		$	6,074		$	11,422
Less: reinsurance recoverable	(1,241)			—			—			—
Net liability for future policy benefits	$	6,853		$	4,317		$	6,074		$	11,422

Weighted average duration of the liability (in years)	8			13			10			15
Weighted average interest accretion rate	3.9		%	4.1		%	3.1		%	1.6		%
Weighted average current discount rate	4.9		%	4.7		%	5.0		%	2.8		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

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The Company’s Financial Solutions business actual-to-expected variances (including the effects of model updates) and the effects of changes in cash flow and discount rate assumptions for the nine months ended September 30, 2025 and 2024 are summarized in the tables below:

For the nine months ended September 30, 2025:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Financial Solutions

$10.0 billion

None

$(3) million

$260 million

Canada – Financial Solutions

$4.6 billion

None

$(135) million

Europe, Middle East and Africa – Financial Solutions

$10.1 billion

$(24) million

$(19) million

$(128) million

Asia Pacific – Financial Solutions

$15.5 billion

None

$(6) million

$(1.5) billion

For the nine months ended September 30, 2024:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Financial Solutions

$8.1 billion

$8 million

$3 million

$124 million

Canada – Financial Solutions

$4.1 billion

None

$168 million

Europe, Middle East and Africa – Financial Solutions

$7.0 billion

$3 million

$1 million

$(241) million

Asia Pacific – Financial Solutions

$12.7 billion

$9 million

$(1) million

$(540) million

Reconciliation and Other Disclosures

The reconciliation of the rollforward of the liability for future policy benefits to the condensed consolidated balance sheets as of September 30, 2025 and 2024 is as follows (dollars in millions):


	September 30,
	2025		2024
Liability for future policy benefits included in the rollforwards:
Traditional:
U.S. and Latin America	$	13,498	$	11,333
Canada	4,131		4,305
Europe, Middle East and Africa	1,370		1,199
Asia Pacific	2,989		2,776
Financial Solutions:
U.S. and Latin America	9,839		8,094
Canada	4,618		4,317
Europe, Middle East and Africa	9,033		6,074
Asia Pacific	12,410		11,422
Other long-duration contracts	116		117
Claims liability and incurred but not reported claims	5,786		5,406
Additional liability	235		36
Unearned revenue liability	814		854
Cost of reinsurance liability	1,550		—
Total liability for future policy benefits	$	66,389	$	55,933

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The amount of undiscounted and discounted expected future gross premiums and expected future benefit payments for the liability for future policy benefits included in the rollforwards as of September 30, 2025 and 2024 are as follows (dollars in millions):


	September 30,
	2025				2024
	Undiscounted		Discounted		Undiscounted		Discounted
Expected future gross premiums
Traditional:
U.S. and Latin America	$	194,959	$	88,432	$	182,731	$	87,831
Canada	56,351		22,317		54,520		21,928
Europe, Middle East and Africa	30,092		16,513		28,668		15,609
Asia Pacific	113,661		46,387		103,658		42,453
Financial Solutions:
U.S. and Latin America	2,554		1,641		2,816		1,828
Canada	5,676		3,733		6,306		4,101
Europe, Middle East and Africa	157,690		77,444		111,948		57,940
Asia Pacific	5,235		3,471		4,089		2,988

Expected future benefit payments
Traditional:
U.S. and Latin America	$	203,397	$	87,447	$	191,246	$	85,809
Canada	57,445		22,132		56,312		21,925
Europe, Middle East and Africa	30,886		16,284		28,796		15,219
Asia Pacific	109,528		39,452		99,908		36,218
Financial Solutions:
U.S. and Latin America	22,213		10,902		15,257		9,268
Canada	17,625		7,996		17,933		8,029
Europe, Middle East and Africa	170,551		85,239		120,917		62,956
Asia Pacific	30,139		14,068		22,330		12,831

The amount of gross premiums and interest expense recognized in the condensed consolidated statements of income for the liability for future policy benefits included in the rollforwards for the nine months ended September 30, 2025 and 2024 is as follows (dollars in millions):


	Gross Premiums				Interest Expense
	September 30,				September 30,
	2025		2024		2025		2024
Traditional:
U.S. and Latin America	$	4,791	$	4,658	$	539	$	432
Canada	831		825		160		161
Europe, Middle East and Africa	1,341		1,101		35		31
Asia Pacific	2,335		2,095		134		121
Financial Solutions:
U.S. and Latin America	177		2,816		366		243
Canada	143		120		164		93
Europe, Middle East and Africa	897		669		220		166
Asia Pacific	325		158		220		107
Total	$	10,840	$	12,442	$	1,838	$	1,354

During the nine months ended September 30, 2025, the only material charge the Company incurred was a charge of $117 million due to net premiums exceeding gross premiums for one cohort in the U.K. (EMEA Traditional segment) as a result of updating the mortality assumptions in that period. No material charge was incurred during the nine months ended September 30, 2024, due to net premiums exceeding gross premiums.

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NOTE 5 POLICYHOLDER ACCOUNT BALANCES

Policyholder Account Balances

The following tables provide the balances of and changes in the Company’s liability for its policyholder account balances, reflected in interest-sensitive contract liabilities, for the nine months ended September 30, 2025 and 2024 (dollars in millions):


For the nine months ended September 30, 2025:	U.S. and Latin America – Traditional			U.S. and Latin America – Financial Solutions			Asia Pacific – Financial Solutions
Balance, beginning of year	$	3,273		$	16,432		$	4,285
Deposits	330			10,974			2,224
Policy charges	(254)			(251)			(9)
Surrenders and withdrawals	(76)			(1,249)			(144)
Benefit payments	(92)			(425)			(233)
Interest credited	119			537			154
Foreign currency translation	—			—			39
Balance, end of period	$	3,300		$	26,018		$	6,316
Less: reinsurance recoverable	—			(2,653)			—
Balance, end of period, after reinsurance	$	3,300		$	23,365		$	6,316

Weighted average crediting rate	3.1		%	3.5		%	4.2		%
Net amount at risk (1)	$	25,190		$	134,062		$	—
Cash surrender value	$	3,295		$	25,779		$	5,948


For the nine months ended September 30, 2024:	U.S. and Latin America – Traditional			U.S. and Latin America – Financial Solutions			Asia Pacific – Financial Solutions
Balance, beginning of year	$	1,612		$	17,838		$	3,990
Deposits	1,779			101			1,262
Policy charges	(103)			(61)			(137)
Surrenders and withdrawals	(11)			(1,598)			(903)
Benefit payments	(91)			(346)			(331)
Interest credited	132			432			84
Foreign currency translation	—			—			4
Balance, end of period	$	3,318		$	16,366		$	3,969
Less: reinsurance recoverable	—			(2,844)			—
Balance, end of period, after reinsurance	$	3,318		$	13,522		$	3,969

Weighted average crediting rate	3.1		%	3.5		%	3.7		%
Net amount at risk (1)	$	34,671		$	6,614		$	13
Cash surrender value	$	3,313		$	16,262		$	3,618

(1) Net amount at risk is defined as the guaranteed amount less the account value as of the balance sheet date. The balance represents the amount of the claim the Company would incur if death claims were filed on all contracts on the balance sheet date.

Information regarding the Company’s policyholder account balances as of September 30, 2025 and 2024 is as follows (dollars in millions):


	September 30,
	2025		2024
Policyholder account balances included in the rollforwards:
Traditional:
U.S. and Latin America	$	3,300	$	3,318
Financial Solutions:
U.S. and Latin America	26,018		16,366
Asia Pacific	6,316		3,969
Other policyholder account balances:
U.S. and Latin America – Financial Solutions	47		76
Total policyholder account balances	$	35,681	$	23,729

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The balance of account values by range of guaranteed minimum crediting rates and the related range of difference, in basis points, between rates being credited to policyholders and the respective guaranteed minimums as of September 30, 2025 and 2024 is as follows (dollars in millions):


	September 30, 2025
	Range of Guaranteed Minimum Crediting Rate	At Guaranteed Minimum		1 Basis Point – 50 Basis Points Above		51 Basis Points – 100 Basis Points Above		101 Basis Points – 150 Basis Points Above		Greater Than 150 Basis Points Above		Total

U.S. and Latin America – Traditional	Less than 1.00%	$	749	$	—	$	—	$	—	$	—	$	749
	1.00 – 1.99%	58		2		8		—		—		68
	2.00 – 2.99%	112		—		—		1		—		113
	3.00 – 3.99%	498		7		115		—		—		620
	4.00% and Greater	705		47		951		47		—		1,750
	Total	$	2,122	$	56	$	1,074	$	48	$	—	$	3,300

U.S. and Latin America – Financial Solutions	Less than 1.00%	$	79	$	—	$	—	$	—	$	954	$	1,033
	1.00 – 1.99%	1,062		30		154		67		90		1,403
	2.00 – 2.99%	3,129		471		297		738		520		5,155
	3.00 – 3.99%	4,082		674		137		4		2		4,899
	4.00% and Greater	13,499		28		—		—		1		13,528
	Total	$	21,851	$	1,203	$	588	$	809	$	1,567	$	26,018

Asia Pacific – Financial Solutions	Less than 1.00%	$	367	$	—	$	—	$	—	$	—	$	367
	1.00 – 1.99%	444		—		—		—		—		444
	2.00 – 2.99%	644		—		—		—		—		644
	3.00 – 3.99%	1,010		—		—		—		—		1,010
	4.00% and Greater	3,851		—		—		—		—		3,851
	Total	$	6,316	$	—	$	—	$	—	$	—	$	6,316


	September 30, 2024
	Range of Guaranteed Minimum Crediting Rate	At Guaranteed Minimum		1 Basis Point – 50 Basis Points Above		51 Basis Points – 100 Basis Points Above		101 Basis Points – 150 Basis Points Above		Greater Than 150 Basis Points Above		Total

U.S. and Latin America – Traditional	Less than 1.00%	$	702	$	—	$	—	$	—	$	—	$	702
	1.00 – 1.99%	56		2		8		—		—		66
	2.00 – 2.99%	108		—		—		1		—		109
	3.00 – 3.99%	495		7		117		—		—		619
	4.00% and Greater	739		103		980		—		—		1,822
	Total	$	2,100	$	112	$	1,105	$	1	$	—	$	3,318

U.S. and Latin America – Financial Solutions	Less than 1.00%	$	—	$	—	$	—	$	—	$	—	$	—
	1.00 – 1.99%	1,342		12		10		35		29		1,428
	2.00 – 2.99%	1,301		15		35		530		170		2,051
	3.00 – 3.99%	3,693		213		116		4		2		4,028
	4.00% and Greater	8,827		32		—		—		—		8,859
	Total	$	15,163	$	272	$	161	$	569	$	201	$	16,366

Asia Pacific – Financial Solutions	Less than 1.00%	$	193	$	—	$	—	$	—	$	—	$	193
	1.00 – 1.99%	477		—		—		—		—		477
	2.00 – 2.99%	492		—		—		—		—		492
	3.00 – 3.99%	993		—		—		—		—		993
	4.00% and Greater	1,814		—		—		—		—		1,814
	Total	$	3,969	$	—	$	—	$	—	$	—	$	3,969

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NOTE 6 UNPAID CLAIMS AND CLAIM EXPENSE – SHORT-DURATION CONTRACTS

Rollforward of Claims and Claim Adjustment Expenses

The liability for unpaid claims for short-duration contracts is reported in other policy claims and benefits on the Company’s condensed consolidated balance sheets. Activity associated with unpaid claims is summarized below (dollars in millions):


	Nine months ended September 30,
	2025		2024
Balance, beginning of year	$	2,693	$	2,730
Less: reinsurance recoverable	(53)		(80)
Net balance, beginning of year	2,640		2,650
Incurred:
Current year	1,521		1,161
Prior years	55		(83)
Total incurred	1,576		1,078
Payments:
Current year	(356)		(240)
Prior years	(991)		(700)
Total payments	(1,347)		(940)
Other changes:
Interest accretion	26		29
Foreign exchange adjustments	76		(4)
Total other changes	102		25

Net balance, end of period	2,971		2,813
Plus: reinsurance recoverable	61		62
Balance, end of period	$	3,032	$	2,875

Incurred claims associated with prior periods are primarily due to the development of claims for prior years being different than anticipated when the liabilities for unpaid claims were originally estimated. These trends have been considered in establishing the current year liability for unpaid claims.

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NOTE 7 MARKET RISK BENEFITS

The following table provides the balances of and changes in the Company’s market risk benefits for the nine months ended September 30, 2025 and 2024 (dollars in millions):


	U.S. and Latin America – Financial Solutions
	Nine months ended September 30,
	2025		2024
Balance, beginning of year	$	206	$	249
Balance, beginning of year, before effect of changes in the instrument-specific credit risk	209		253
Interest accrual	6		8
Attributed fees collected	18		19
Benefit payments	—		—
Effect of changes in future assumptions	—		3
Effect of changes in interest rates	9		(3)
Effect of changes in equity markets	(32)		(39)
Effect of changes in volatility	1		—
Other market impacts	(7)

REINSURANCE GROUP OF AMERICA INC 10-Q