| Segment | Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 |
|---|---|---|---|---|---|
| Protection Health | 85.2% | 84.7% | 84.5% | 84% | 83.5% |
| Group Life - Term | 77.5% | 76.8% | 76.3% | 75.9% | 75.5% |
| Protection Life | 57.4% | 58.3% | 58.2% | 57.7% | 57% |
| Group Long-Term Disability | 4.8% | 4.8% | 5% | 5% | 5.2% |
| Total | 77.5% | 76.8% | 76.3% | 75.9% | 75.5% |