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Assurant AIZ Short Duration — Direct policyholder benefits
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Where this comes from
Reported directly by Assurant in its filing.
Tagged under the XBRL concept us-gaap:PolicyholderBenefitsAndClaimsIncurredGross.
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
| Line item | Years Ended December 31, 2025 / Long Duration | Years Ended December 31, 2025 / Short Duration | Years Ended December 31, 2025 / Total | Years Ended December 31, 2024 / Long Duration | Years Ended December 31, 2024 / Short Duration | Years Ended December 31, 2024 / Total | Years Ended December 31, 2023 / Long Duration | Years Ended December 31, 2023 / Short Duration | Years Ended December 31, 2023 / Total |
|---|---|---|---|---|---|---|---|---|---|
| Direct earned premiums | $12.4 | $19,379.7 | $19,392.1 | $13.4 | $18,820.1 | $18,833.5 | $14.4 | $18,308.4 | $18,322.8 |
| Premiums assumed | — | 408.2 | 408.2 | — | 178.6 | 178.6 | — | 186.4 | 186.4 |
| Premiums ceded | (7.6) | (9,309.8) | (9,317.4) | (8.0) | (9,208.3) | (9,216.3) | (7.9) | (9,113.3) | (9,121.2) |
| Net earned premiums | $4.8 | $10,478.1 | $10,482.9 | $5.4 | $9,790.4 | $9,795.8 | $6.5 | $9,381.5 | $9,388.0 |
| Direct policyholder benefits | $37.2 | $7,975.4 | $8,012.6 | $33.7 | $8,777.1 | $8,810.8 | $36.5 | $7,568.2 | $7,604.7 |
| Policyholder benefits assumed | — | 242.8 | 242.8 | 0.1 | 276.9 | 277.0 | — | 241.9 | 241.9 |
| Policyholder benefits ceded | (33.7) | (5,293.9) | (5,327.6) | (30.3) | (6,291.0) | (6,321.3) | (31.8) | (5,293.0) | (5,324.8) |
| Net policyholder benefits | $3.5 | $2,924.3 | $2,927.8 | $3.5 | $2,763.0 | $2,766.5 | $4.7 | $2,517.1 | $2,521.8 |
Item 16. Form 10-K Summary
FAQ
- What is Assurant's short duration — direct policyholder benefits?
- Assurant (AIZ) reported short duration — direct policyholder benefits of $1.99B in Q4 2025.
- How has Assurant's short duration — direct policyholder benefits changed year-over-year?
- Assurant's short duration — direct policyholder benefits decreased by 9.1% year-over-year, from $2.19B to $1.99B.
- What is the long-term trend for Assurant's short duration — direct policyholder benefits?
- Over 4 years (2021 to 2025), Assurant's short duration — direct policyholder benefits has grown at a 7.6% compound annual growth rate (CAGR), from $5.95B to $7.98B.
- What does short duration — direct policyholder benefits mean?
- This metric measures the total claims and benefits paid or accrued directly to policyholders for short-duration contracts. It represents the primary cost of providing insurance coverage before any reinsurance recoveries are applied. Monitoring this helps assess the underlying loss experience and the adequacy of the company's pricing models.
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