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Assurant AIZ Life insurance — Ceded Premiums Earned

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CIALife Insurance Product Line — Ceded Premiums Earned
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Other financials

Income statement

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Revenue$3.5B+9.4%
Net income$298.6M+26.9%
EPS (diluted)$5.95+30.5%

Balance sheet

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Cash & equivalents$1.7B+14.3%
Total debt$73.9M+18.4%
Total equity$6.1B+10.9%
Total assets$36.1B+1.6%

Cash flow

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Operating cash flow$454.4M+71.1%
CapEx$45.2M-24.5%
Free cash flow$409.2M+99.0%

Valuation

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Market cap$14.94B+40.3%
P/E14.1×-0.8×
P/S1.1×+0.2×

Profitability

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Net margin7.9%+2.1pp
FCF margin12.3%+4.4pp

Returns & leverage

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Return on equity18.3%+4.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Assurant in its filing.

Tagged under the XBRL concept us-gaap:CededPremiumsEarned.

The source filing: Assurant’s 10-K, filed February 19, 2026.

Filed
Feb 19, 2026, 4:19 PM EST
Fiscal year
FY2025
Accession
0001267238-26-000010
Year Ended December 31, 2025Direct Amount / (in millions)Ceded to Other Companies / (in millions)Assumed from Other Companies / (in millions)Net Amount / (in millions)Percentage of Amount Assumed to Net
Life Insurance in Force$7,332.5$4,608.9$2,723.6
Premiums:
Life insurance$195.6$160.1$35.5
Accident and health insurance341.0230.42.3112.92.0%
Property and liability insurance18,855.58,926.9405.910,334.53.9%
Total earned premiums$19,392.1$9,317.4$408.2$10,482.93.9%
Benefits:
Life insurance$34.4$24.2$10.2

Item 16. Form 10-K Summary

FAQ

What is Assurant's life insurance — ceded premiums earned?
Assurant (AIZ) reported life insurance — ceded premiums earned of $40.03M in Q4 2025.
How has Assurant's life insurance — ceded premiums earned changed year-over-year?
Assurant's life insurance — ceded premiums earned increased by 12.8% year-over-year, from $35.48M to $40.03M.
What is the long-term trend for Assurant's life insurance — ceded premiums earned?
Over 4 years (2021 to 2025), Assurant's life insurance — ceded premiums earned has grown at a -0.1% compound annual growth rate (CAGR), from $161M to $160.1M.
What does life insurance — ceded premiums earned mean?
The portion of earned premiums that the company transfers to reinsurers under reinsurance agreements. This reflects the company's strategy to mitigate risk by sharing potential claim liabilities with third-party carriers. High levels indicate a conservative risk management approach.

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