Assurant (AIZ) 10-K 25 Feb 10 2009 FY Annual report Financial data

Document and Entity Information

Document and Entity Information (USD $)
In Thousands, except Share data	12 Months Ended Dec. 31, 2009	Feb. 16, 2010	Jun. 30, 2009
Document Information [Line Items]
Document Type	10-K
Document Period End Date	2009-12-31
Amendment Flag	false
Entity Information Line Items
Current Fiscal Year End Date	--12-31
Entity Central Index Key	0001267238
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Registrant Name	ASSURANT INC
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	Yes
Entity Common Stock, Shares Outstanding		116,485,888
Entity Public Float			$2,825,996

Consolidated Balance Sheet

Consolidated Balance Sheet (USD $)
In Thousands	Dec. 31, 2009	Dec. 31, 2008
Assets
Fixed maturity securities available for sale, at fair value (amortized cost-$9,684,083 in 2009 and $9,218,644 in 2008)	$9,966,772	$8,631,687
Equity securities available for sale, at fair value (cost- $514,349 in 2009 and $562,940 in 2008)	512,987	434,452
Commercial mortgage loans on real estate, at amortized cost	1,428,027	1,506,694
Policy loans	56,407	58,096
Short-term investments	453,469	703,402
Collateral held under securities lending	218,129	234,027
Other investments	522,041	498,434
Total investments	13,157,832	12,066,792
Cash and cash equivalents	1,318,552	1,040,684
Premiums and other receivables, net	507,933	513,181
Reinsurance recoverables	4,212,863	4,010,170
Accrued investment income	155,757	144,679
Tax receivable		44,156
Deferred acquisition costs	2,504,654	2,650,672
Property and equipment, at cost less accumulated depreciation	275,420	278,621
Deferred income taxes, net	167,240	449,372
Goodwill	926,398	1,001,899
Value of business acquired	94,632	108,204
Other assets	548,183	427,347
Assets held in separate accounts	1,972,332	1,778,809
Total assets	25,841,796	24,514,586
Liabilities
Future policy benefits and expenses	7,349,633	7,095,645
Unearned premiums	5,153,564	5,407,859
Claims and benefits payable	3,366,327	3,302,731
Commissions payable	218,060	233,200
Reinsurance balances payable	95,413	88,393
Funds held under reinsurance	49,417	38,433
Deferred gain on disposal of businesses	164,899	187,360
Obligation under securities lending	220,279	256,506
Accounts payable and other liabilities	1,388,279	1,433,028
Income taxes payable	30,126
Debt	972,058	971,957
Mandatorily redeemable preferred stock	8,160	11,160
Liabilities related to separate accounts	1,972,332	1,778,809
Total liabilities	20,988,547	20,805,081
Stockholders' equity
Common stock, par value $0.01 per share, 800,000,000 shares authorized, 116,648,714 and 117,368,534 shares outstanding at December 31, 2009 and 2008, respectively	1,447	1,443
Additional paid-in capital	2,962,883	2,928,160
Retained earnings	3,054,466	2,650,371
Accumulated other comprehensive income(loss)	65,925	(670,946)
Treasury stock, at cost; 28,119,993 and 26,997,943 shares at December 31, 2009 and 2008, respectively.	(1,231,472)	(1,199,523)
Total stockholders' equity	4,853,249	3,709,505
Total liabilities and stockholders' equity	$25,841,796	$24,514,586

Consolidated Balance Sheet Pare

Consolidated Balance Sheet Parentheticals (USD $)
In Thousands, except Share data	Dec. 31, 2009	Dec. 31, 2008
Consolidated Balance Sheet Parenthetical
Fixed maturity securities, amortized cost	$9,684,083	$9,218,644
Equity securities, cost	$514,349	$562,940
Common stock, par value	0.01	0.01
Common stock, shares authorized	800,000,000	800,000,000
Common stock, shares outstanding	116,648,714	117,368,534
Treasury stock, shares outstanding	28,119,993	26,997,943

Consolidated Statement of Opera

Consolidated Statement of Operations (USD $)
In Thousands, except Share data	12 Months Ended Dec. 31, 2009		12 Months Ended Dec. 31, 2008		12 Months Ended Dec. 31, 2007
Revenues
Net earned premiums and other considerations	$7,550,335		$7,925,348		$7,407,730
Net investment income	698,838		774,347		799,073
Net realized losses on investments, excluding other-than-temporary impairment losses	(14,937)		(88,526)		(14,036)
Total other-than-temporary impairment losses	(35,905)		(340,153)		(48,184)
Portion of gain recognized in other comprehensive income, before taxes	(2,755)
Net other-than-temporary impairment losses recognized in earnings	(38,660)		(340,153)		(48,184)
Amortization of deferred gain on disposal of businesses	22,461		29,412		33,139
Fees and other income	482,464		300,800		275,793
Total revenues	8,700,501		8,601,228		8,453,515
Benefits, losses and expenses
Policyholder benefits	3,867,982		4,019,147		3,712,711
Amortization of deferred acquisition costs and value of business acquired	1,601,880		1,671,680		1,429,735
Underwriting, general and administrative expenses	2,377,364		2,286,170		2,238,851
Interest expense	60,669		60,953		61,178
Goodwill Impairment	83,000
Total benefits, losses and expenses	7,990,895		8,037,950		7,442,475
Income before provision for income taxes	709,606		563,278		1,011,040
Provision for income taxes	279,032		115,482		357,294
Net income	$430,574		$447,796		$653,746
Earnings Per Share
Basic (1)	3.65	[1]	3.79	[1]	5.45	[1]
Diluted (1)	3.63	[1]	3.76	[1]	5.38	[1]
Dividends per share	0.59		0.54		0.46
Share Data:
Weighted average shares outstanding used in basic per share calculations (1)	118,036,632	[1]	118,005,967	[1]	119,934,873	[1]
Plus: Dilutive securities (1)	459,008	[1]	968,712	[1]	1,624,694	[1]
Weighted average shares used in diluted per share calculations (1)	118,495,640	[1]	118,974,679	[1]	121,559,567	[1]
[1]Prior period amounts have been adjusted in accordance with the earnings per share guidance on participating securities and the two class method, which is now within the Financial Accounting Standards Board?s Accounting Standards Codification Topic 260, Earnings Per Share. See Notes 2 and 24.

Consolidated Statement of Share

Consolidated Statement of Shareholders Equity (USD $)
In Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2006	$1,430	$2,894,892	$1,676,171	$88,064	($827,960)	$3,832,597
Consolidated Statement of Changes in Stockholders' Equity
Stock plan excercises	8	(18,829)				(18,821)
Stock plan compensation expense		19,526				19,526
Change in tax benefit from share-based payment arrangements		9,381				9,381
Dividends			(55,038)			(55,038)
Acquisitions of common stock					(312,563)	(312,563)
Cumulative effect of change in accounting principles (Note 2)			(5,772)			(5,772)
Comprehensive income:
Net income			653,746			653,746
Other comprehensive income:
Net change in unrealized gains on securities, net of taxes				(102,245)		(102,245)
Net change in foreign currency translation, net of taxes				41,800		41,800
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes				26,292		26,292
Balance at Dec. 31, 2007	1,438	2,904,970	2,269,107	53,911	(1,140,523)	4,088,903
Consolidated Statement of Changes in Stockholders' Equity
Stock plan excercises	5	(6,621)				(6,616)
Stock plan compensation expense		24,129				24,129
Change in tax benefit from share-based payment arrangements		5,682				5,682
Dividends			(63,672)			(63,672)
Acquisitions of common stock					(59,000)	(59,000)
Cumulative effect of change in accounting principles (Note 2)			(2,860)			(2,860)
Comprehensive income:
Net income			447,796			447,796
Other comprehensive income:
Net change in unrealized gains on securities, net of taxes				(501,784)		(501,784)
Net change in foreign currency translation, net of taxes				(130,379)		(130,379)
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes				(92,694)		(92,694)
Balance at Dec. 31, 2008	1,443	2,928,160	2,650,371	(670,946)	(1,199,523)	3,709,505
Consolidated Statement of Changes in Stockholders' Equity
Stock plan excercises	4	6,225				6,629
Stock plan compensation expense		30,288				30,288
Change in tax benefit from share-based payment arrangements		(1,790)				(1,790)
Dividends			(69,596)			(69,596)
Acquisitions of common stock					(31,949)	(31,949)
Cumulative effect of change in accounting principles (Note 2)			43,117	(43,117)
Comprehensive income:
Net income			430,574			430,574
Other comprehensive income:
Net change in unrealized gains on securities, net of taxes				708,309		708,309
Net change in other-than-temporary impairment gains recognized in other comprehensive income, net of taxes				14,033		14,033
Net change in foreign currency translation, net of taxes				69,856		69,856
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes				(12,210)		(12,210)
Balance at Dec. 31, 2009	$1,447	$2,962,883	$3,054,466	$65,925	($1,231,472)	$4,853,249

1_Consolidated Statement of Sha

Consolidated Statement of Shareholders Equity Parenthetical (USD $)
In Thousands	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Consolidated Statement of Changes in Stockholders' Equity Parenthetical
Net change in unrealized (gains) losses on securities, tax	($353,445)	$269,502	$54,497
Net change in other-than-temporary impairment losses recognized in other comprehensive loss, tax	(7,556)
Net change in foreign currency translation, tax	(17,551)	24,961	(17,578)
Amortization of pension and postretirement unrecognized net periodic benefit cost, tax	$6,579	$49,914	($14,159)

Consolidated Statement of Cash

Consolidated Statement of Cash Flows (USD $)
In Thousands	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Operating activities
Net income	$430,574	$447,796	$653,746
Adjustments to reconcile net income to net cash provided by operating activities:
Change in reinsurance recoverable	(193,316)	(107,384)	19,596
Change in premiums and accounts receivable	2,657	109,870	(8,969)
Change in deferred acquisition costs and value of business acquired	254,374	91,764	(408,769)
Change in intangibles	(25,871)	(22,564)	(9,237)
Change in accrued investment income	(6,896)	320	(5,717)
Change in insurance policy reserves and expenses	(185,053)	276,837	887,180
Change in accounts payable and other liabilities	(137,791)	(20,965)	(16,754)
Change in commissions payable	(18,514)	(30,230)	(47,781)
Change in reinsurance balances payable	4,742	(9,591)	15,727
Change in funds held under reinsurance	8,021	(7,856)	(2,147)
Change in securities classified as trading	15,566	43,416	7,254
Change in income taxes	(11,092)	(237,172)	16,897
Amortization of deferred gain on disposal of businesses [Change in]	(22,461)	(29,412)	(33,139)
Depreciation and amortization	113,799	91,609	94,307
Net realized losses on investments	53,597	428,679	62,220
Stock based compensation expense	30,288	24,129	19,526
Change in tax benefit from share-based payment arrangements [Operating]	1,790	(5,682)	(9,381)
Goodwill Impairment	83,000
Other	(127,489)	(44,429)	(30,998)
Net cash provided by operating activities	269,925	999,135	1,203,561
Investing activities
Fixed maturity securities available for sale [Sales of]	1,315,003	2,072,455	2,077,216
Equity securities available for sale [Sales of]	78,030	238,423	295,062
Property and equipment and other [Sales of]	1,548	739	1,385
Subsidiary, net of cash transferred		31,853
Maturities, prepayments, and scheduled redemption of:
Fixed maturity securities available for sale	624,113	583,869	626,741
Purchase of:
Fixed maturity securities available for sale [Purchase of]	(2,123,394)	(2,346,371)	(3,311,076)
Equity securities available for sale [Purchase of]	(48,935)	(316,604)	(267,308)
Property and equipment and other [Purchase of]	(55,885)	(56,068)	(58,676)
Subsidiaries and warranty business, net of cash transferred	4,923	(365,398)	(161,985)
Change in commercial mortgage loans on real estate	72,122	(78,157)	(164,015)
Change in short-term investments	254,590	(332,345)	(86,364)
Change in other invested assets	(18,839)	(31,690)	14,160
Change in policy loans	1,964	(1,366)	1,967
Change in collateral held under securities lending	36,227	271,657	(175,692)
Net cash provided by (used in) investing activities	141,467	(329,003)	(1,208,585)
Financing activities
Repayment of mandatorily redeemable preferred stock	(3,000)	(10,000)	(1,000)
Change in tax benefit from share-based payment arrangements [Financing]	(1,790)	5,682	9,381
Acquisition of common stock	(31,949)	(59,000)	(315,570)
Dividends paid	(69,596)	(63,672)	(55,038)
Change in obligation under securities lending	(36,227)	(285,144)	175,692
Commercial paper issued			39,958
Commercial paper repaid			(40,000)
Net cash used in financing activities	(142,562)	(412,134)	(186,577)
Effect of exchange rate on cash and cash equivalents	9,038	(22,278)	8,893
Change in cash and cash equivalents	277,868	235,720	(182,708)
Cash and cash equivalents at beginning of period	1,040,684	804,964	987,672
Cash and cash equivalents at end of period	1,318,552	1,040,684	804,964
Supplemental information:
Income taxes paid, net of refunds	328,264	349,191	334,382
Interest paid on mandatorily redeemable preferred stock and debt	$60,569	$60,859	$61,089

Nature of Operations

Nature of Operations
	12 Months Ended Dec. 31, 2009 USD / shares
Nature of Operations
Nature of Operations [Text Block]	1. Nature of Operations Assurant, Inc. (Assurant or the Company) is a Delaware corporation, formed in connection with the initial public offering (IPO) of its common stock, which began trading on the New York Stock Exchange (NYSE) on February5, 2004. Prior to the IPO, Fortis, Inc., a Nevada corporation, formed Assurant and merged into it on February4, 2004. The merger was executed in order to redomesticate Fortis, Inc. from Nevada to Delaware and to change its name. As a result of the merger, Assurant is the successor to the business operations and obligations of Fortis, Inc. Assurant is a holding Company whose subsidiaries provide insurance products and related services in North America and selected international markets. Through its operating subsidiaries, the Company provides creditor-placed homeowners insurance, manufactured housing homeowners insurance, debt protection administration, credit insurance, warranties and extended service contracts, individual health and small employer group health insurance, group dental insurance, group disability insurance, group life insurance and pre-funded funeral insurance.

Summary of Significant Accounti

Summary of Significant Accounting Policies
	12 Months Ended Dec. 31, 2009 USD / shares
Summary of Significant Accounting Policies
Significant Accounting Policies [Text Block]	2. Summary of Significant Accounting Policies Basis of Presentation The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP). Amounts are presented in United States of America (U.S.) dollars and all amounts are in thousands, except for number of shares and per share amounts. Principles of Consolidation The consolidated financial statements include the accounts of the Company and all of its wholly owned subsidiaries. All significant inter-company transactions and balances are eliminated in consolidation. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities. The items on the Companys balance sheets affected by the use of estimates include but are not limited to, investments, premiums and accounts receivable, reinsurance recoverables, deferred acquisition costs (DAC), deferred income taxes and associated valuation allowances, goodwill, valuation of business acquired (VOBA), future policy benefits and expenses, unearned premiums, claims and benefits payable, deferred gain on disposal of businesses, pension and post-retirement liabilities and commitments and contingencies. The estimates are sensitive to market conditions, investment yields, mortality, morbidity, commissions and other acquisition expenses, policyholder behavior and other factors. Actual results could differ from the estimates reported. The Company believes the amounts reported are reasonable and adequate. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts that can be converted into common stock were exercised as of the end of the period. Restricted stock and restricted stock units which have non-forfeitable rights to dividends or dividend equivalents are included in calculating basic and diluted earnings per share under the two-class method. Comprehensive Income (Loss) Comprehensive income (loss) is comprised of net income, net unrealized gains and losses on foreign currency translation, net unrealized gains and losses on securities classified as available for sale, net unrealized gains and losses on other-than-temporarily impaired securities and expenses for pension and post-retirement plans, less deferred income taxes. Reclassifications Certain prior period amounts have been reclassified to conform to the 2009 presentation. Revenue Recognition The Company recognizes revenue when realized or realizable and earned. Revenue generally is realized or realizable and earned when persuasive evidence of an arrangement exists, services have been rendered, the price is fixed or determinable, and collectability is reasonably assured. Foreign Currency Translation For foreign affiliates where the local currency is the functional currency, unrealized foreign currency translation gains and

Business Combinations

Business Combinations
	12 Months Ended Dec. 31, 2009 USD / shares
Business Combinations
Schedule of Business Acquisitions, by Acquisition [Text Block]	3. Business Combinations During the years of 2009, 2008 and 2007, the Company made several acquisitions with available cash. The major transactions are: On October 1, 2009, the Company acquired, through a reinsurance agreement, a block of business from Shenandoah Life Insurance Company (Shenandoah). The Company will assume, on a coinsurance basis, 100% of the group life, disability, dental and vision insurance business in-force with Shenandoah. There were no goodwill or intangible assets associated with this agreement. On October1, 2008, the Company acquired 100% of the outstanding stock of Signal Holdings LLC (Signal), a leading provider of wireless handset protection programs and repair services. The Company paid $257,400 in cash for the acquisition, transfer and conveyance of certain assets and assumed certain liabilities. In connection with the acquisition, the Company recorded $59,400 of other intangible assets, all of which are amortizable, and $169,800 of goodwill. The factors that contributed to the recognition of goodwill include the future expected growth of Signal and the acquisition of key former Signal employees. On September26, 2008, the Company acquired the Warranty Management Group business from GE Consumer Industrial, a unit of General Electric Co. (GE). The Company paid GE $140,000 in cash for the sale, transfer and conveyance of certain assets and assumed certain liabilities. In connection with the acquisition of this business, the Company recorded $126,840 of amortizable intangible assets and $13,160 of goodwill. The factors that contributed to the recognition of goodwill include: marketing knowledge gained from the pre-existing relationship, acquisition of key former GE employees and increased sales opportunities not afforded the Company under the pre-existing relationship. As part of the acquisition, the Company entered into a new 10-year agreement to market extended warranties and service contracts on GE- branded major appliances in the U.S. In a separate transaction, GE paid the Company $115,000 in cash and the Company eliminated DAC by $106,000 and a receivable from GE of $9,000, in connection with the termination of the existing strategic alliance. Under the pre-existing relationship, the Company sold extended warranties directly to GE appliance purchasers and through leading retailers and paid commissions to GE. After the acquisition, the Company assumed full responsibility for operating the extended warranty business it previously co-managed and shared with GE. The results of operations of the Signal and GE Warranty Management Group did not have a material effect on the Companys results, and accordingly, proforma information has not been disclosed. On October1, 2007, the Company acquired 100% of the outstanding stock of Centrepoint Insurance Services Limited (Centrepoint), a privately held company in the United Kingdom (U.K.). In connection with the acquisition, the Company recorded approximately $36,000 of other intangible assets, all of which are amortizable, and approximately $37,000 of goodwill. Centerpoint is a leading insurance broker of buildings and contents and mortgage payment pro

Business Dispositions

Business Dispositions
	12 Months Ended Dec. 31, 2009 USD / shares
Business Disposition
Disposal Groups, Including Discontinued Operations, Disclosure [Text Block]	4. Business Disposition On May1, 2008, the Company sold a subsidiary, United Family Life Insurance Company (UFLIC), to a third party for proceeds of $32,715. The Company recognized a pre-tax gain of $3,175 and an associated tax benefit of $84,864 from the sale.

Investments

Investments
	12 Months Ended Dec. 31, 2009 USD / shares
Investments [Abstract]
Investments	5. Investments The following tables show the cost or amortized cost, gross unrealized gains and losses and fair value and OTTI of our fixed maturity and equity securities as of the dates indicated: December 31, 2009 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value OTTI in AOCI (1) Fixed maturity securities: United States Government and government agencies and authorities $ 115,268 $ 5,135 $ (73) $ 120,330 $ - States, municipalities and political subdivisions 873,548 42,499 (5,979) 910,068 - Foreign governments 558,254 19,352 (4,779) 572,827 - Asset-backed 51,834 2,599 (470) 53,963 833 Commercial mortgage-backed 159,780 1,589 (1,462) 159,907 - Residential mortgage-backed 685,373 29,224 (2,594) 712,003 123 Corporate 7,240,026 325,646 (127,998) 7,437,674 8,697 Total fixed maturity securities $ 9,684,083 $ 426,044 $ (143,355) $ 9,966,772 $ 9,653 Equity securities: Common stocks $ 5,493 $ 285 $ (1,249) $ 4,529 $ - Non-redeemable preferred stocks 508,856 31,657 (32,055) 508,458 - Total equity securities $ 514,349 $ 31,942 $ (33,304) $ 512,987 $ - (1) Represents the amount of other-than-temporary impairment gains in AOCI, which, from April 1, 2009, were not included in earnings under the new OTTI guidance for debt securities. December 31, 2008 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Fixed maturity securities: United States Government and government agencies and authorities $ 136,725 $ 13,784 $ (22) $ 150,487 States, municipalities and political subdivisions 874,134 14,122 (14,676) 873,580 Foreign governments 503,620 19,391 (9,693) 513,318 Asset-backed 62,184 157 (2,435) 59,906 Commercial mortgage-backed 241,458 60 (43,415) 198,103 Residential mortgage-backed 677,633 29,670 (1,027) 706,276 Corporate 6,722,890 107,270 (700,143) 6,130,017 Total fixed maturity securities $ 9,218,644 $ 184,454 $ (771,411) $ 8,631,687 Equity securities: Common stocks $ 5,384 $ 283 $ (1,618) $ 4,049 Non-redeemable preferred stocks 557,556 7,120 (134,273) 430,403 Total equity securities $ 562,940 $ 7,403 $ (135,891) $ 434,452 The cost or amortized cost and fair value of fixed maturity securities at December31, 2009 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties. Cost or Amortized Cost Fair Value Due in one year or less $ 350,897 $ 357,851 Due after one year through five year

Fair Value

Fair Value
	12 Months Ended Dec. 31, 2009 USD / shares
Fair Value
Fair Value Disclosures [Text Block]	6. Fair Value Disclosures Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures The fair value measurements and disclosures guidance, which is within ASC Topic 820, defines fair value, establishes a framework for measuring fair value, creates a fair value hierarchy based on the quality of inputs used to measure fair value and enhances disclosure requirements for fair value measurements. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. In accordance with this guidance, the Company has categorized its recurring basis financial assets and liabilities into a three-level fair value hierarchy based on the priority of the inputs to the valuation technique. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level1)and the lowest priority to unobservable inputs (Level3). The inputs used to measure fair value may fall into differentlevels of the fair value hierarchy.In suchcases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurementin its entirety.The Companys assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specificto the asset or liability. The levels of the fair value hierarchy and its application to the Companys financial assets and liabilities are described below: Level 1 inputs utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access. Financial assets and liabilities utilizing Level 1 inputs include certain U.S. mutual funds, money market funds, common stock and certain foreign securities. Level 2 inputs utilize other than quoted prices included in Level 1 that are observable for the asset, either directly or indirectly, for substantially the full term of the asset. Level 2 inputs include quoted prices for similar assets in active markets, quoted prices for identical or similar assets in markets that are not active and inputs other than quoted prices that are observable in the marketplace for the asset. The observable inputs are used in valuation models to calculate the fair value for the asset. Financial assets utilizing Level 2 inputs include corporate, municipal, foreign government and private placement bonds, U.S. Government and agency securities, residential and commercial mortgage-backed securities, asset-backed securities, non-redeemable preferred stocks and certain U.S. and foreign mutual funds. Level 3 inputs are unobservable but are significant to the fair value measurement for the asset, and include situations where there is little, if any, market activity for the asset. These inputs reflect managements own assumptions about the assumptions a market participant would use in pricing the asset. Financial assets utilizing Level 3 inputs include certain non-redeemable pref

Premiums and Accounts Receivabl

Premiums and Accounts Receivable
	12 Months Ended Dec. 31, 2009 USD / shares
Premiums and Accounts Receivable
Premiums and Account Receivable	7. Premiums and Accounts Receivable Receivables are reported net of an allowance for uncollectible amounts. A summary of such receivables is as follows: As of December31, 2009 2008 Insurance premiums receivable $ 416,139 $ 417,299 Other receivables 117,073 122,246 Allowance for uncollectible amounts (25,279) (26,364) Total $ 507,933 $ 513,181

Income Taxes

Income Taxes
	12 Months Ended Dec. 31, 2009 USD / shares
Income Taxes
Income Tax Disclosure [Text Block]	8. Income Taxes The Company and the majority of its subsidiaries are subject to U.S. tax and file a U.S. consolidated federal income tax return. Information about current and deferred tax expense follows: Year Ended December31, 2009 2008 2007 Current expense: Federal state $ 295,779 $ 320,931 $ 277,993 Foreign 57,645 26,878 13,991 Total current expense 353,424 347,809 291,984 Deferred (benefit) expense Federal state (28,143) (213,038) 82,551 Foreign (46,249) (19,289) (17,241) Total deferred (benefit) expense (74,392) (232,327) 65,310 Total income tax expense $ 279,032 $ 115,482 $ 357,294 The provision for foreign taxes includes amounts attributable to income from U.S. possessions that are considered foreign under U.S. tax laws. International operations of the Company are subject to income taxes imposed by the jurisdiction in which they operate. A reconciliation of the federal income tax rate to the Companys effective income tax rate follows: December31, 2009 2008 2007 Federal income tax rate: 35.0% 35.0% 35.0% Reconciling items: Tax exempt interest (1.3) (1.5) (0.5) Dividends received deduction (0.6) (1.2) (0.4) Foreign earnings 3.1 2.6 0.8 Foreign tax credit (1.8) (2.5) (0.8) Change in valuation allowance 0.2 16.7 (0.5) Loss on sale of subsidiary (30.8) Other 4.7 2.2 1.7 Effective income tax rate: 39.3% 20.5% 35.3% During 2008, the Company recorded a tax benefit of $174,864 from the loss on the sale of a non-operating subsidiary, UFLIC. The gross deferred tax asset for cumulative realized and unrealized capital losses as of December 31, 2009 and 2008 was $306,300 and $629,700, respectively, including the carryover from the loss on the sale of UFLIC. The decrease in the losses is primarily related to recovery of unrealized losses during 2009 as well as use of some capital loss carryovers during 2009. The gross deferred tax asset of $306,300 has been reduced by a valuation allowance of $74,000 as of December 31, 2009. The amount of the valuation allowance is based on an assessment of the Companys ability to generate taxable income in the future. A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December31, 2009 and 2008 is as follows: Year Ended December 31, 2009 2008 Balance at beginning of year $ (15,780) $ (24,955) Additions based on tax positions related to the current year (8,513) (4,007) Reductions based on tax positions related to the current year 8,738 4,157 Additions for tax positions of prior years (10,144) (1,235) Reductions for tax positions of prior years 1,293 1,802 Lapses 472 73 Settlements 792 8,385 Balance at end of year $ (23,142) $ (15,780) Of the total unrecognized tax benefit, $22,321, and $19,604, for 2009 and 2008, respectively, which includes interest, if

Deferred Acquisition Costs

Deferred Acquisition Costs
	12 Months Ended Dec. 31, 2009 USD / shares
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Policy Acquisition Costs Disclosure	9. Deferred Acquisition Costs Information about deferred acquisition costs follows: December 31, 2009 2008 2007 Beginning balance $ 2,650,672 $ 2,895,345 $ 2,397,906 Costs deferred and other (1) 1,441,972 1,410,311 1,915,070 Amortization (1,587,990) (1,654,984) (1,411,071) Cumulative effect of change in accounting principle (6,560) Ending balance $ 2,504,654 $ 2,650,672 $ 2,895,345 (1) Includes foreign currency translation

Property and Equipment

Property and Equipment
	12 Months Ended Dec. 31, 2009 USD / shares
Property, Plant and Equipment
Property, Plant and Equipment Disclosure	10. Property and Equipment Property and equipment consists of the following: As of December 31, 2009 2008 Land $ 14,449 $ 14,359 Buildings and improvements 206,458 201,845 Furniture, fixtures and equipment 455,149 422,291 Total 676,056 638,495 Less accumulated depreciation (400,636) (359,874) Total $ 275,420 $ 278,621 Depreciation expense for 2009, 2008 and 2007 amounted to $61,772, $59,696 and $55,126, respectively. Depreciation expense is included in underwriting, general and administrative expenses in the consolidated statements of operations.

Goodwill

Goodwill
	12 Months Ended Dec. 31, 2009 USD / shares
Goodwill[Abstract]
Goodwill Disclosure	11. Goodwill Information about goodwill is as follows: Goodwill for the Years Ended December31, 2009 2008 2007 Balance as of January 1: Goodwill $ 2,262,838 $ 2,093,595 $ 2,051,458 Accumulated impairment losses (1,260,939) (1,260,939) (1,260,939) 1,001,899 832,656 790,519 Additions 3,520 181,956* 40,702 Foreign currency translation and other 3,979 (12,713) 1,435 Impairments** (83,000) - - Goodwill 2,270,337 2,262,838 2,093,595 Accumulated impairment losses (1,343,939) (1,260,939) (1,260,939) Balance as of December 31: $ 926,398 $ 1,001,899 $ 832,656 *Amounts primarily attributable to the acquisitions of the GE Warranty Management Group on September 26, 2008 and The Signal on October 1, 2008. See Note 3Business Combinations for further information. **Represents impairment of AEB reporting unit. See Notes 2 and 6 for further information. As prescribed under the guidance on goodwill, which is included within ASC Topic 350, Intangibles- Goodwill and Other (ASC Topic 350), the Company has assigned goodwill to its reportable operating segments. The Corporate and other segment is not assigned goodwill. Below is a roll forward of goodwill by reportable segment. This assignment of goodwill is performed only for impairment testing purposes. Solutions Specialty Property Health Employee Benefits Consolidated Balance at December 31, 2007 Goodwill $ 1,464,488 $ 239,726 $ 204,303 $ 185,078 $ 2,093,595 Accumulated impairment losses* (1,260,939) - - - (1,260,939) 203,549 239,726 204,303 185,078 832,656 Acquisitions 181,956 - - - 181,956 Foreign currency translation and other (12,713) - - - (12,713) Balance at December 31, 2008 Goodwill 1,633,731 239,726 204,303 185,078 2,262,838 Accumulated impairment losses (1,260,939) - - - (1,260,939) 372,792 239,726 204,303 185,078 1,001,899 Acquisitions 3,520 - - - 3,520 Foreign currency translation and other 3,979 - - - 3,979 Impairment - - - (83,000) (83,000) Balance at December 31, 2009 Goodwill 1,641,230 239,726 204,303 185,078 2,270,337 Accumulated impairment losses (1,260,939) - - (83,000) (1,343,939) $ 380,291 $ 239,726 $ 204,303 $ 102,078 $ 926,398 *The accumulated impairment loss relates to an acquisition made in 1999. The entity acquired had businesses that currently are primarily represented by the Assurant Solutions and Assurant Specialty Property segments. Prior to 2006, the Assurant Solutions and Assurant Specialty Property segments were combined and together called Assurant Solutions. Thus, the entire goodwill impairment recognized in 2002 due to the adoption of FAS 142 is included in the tables under the Assurant Solutions segment. In accordance with A

VOBA and Intangibles

VOBA and Intangibles
	12 Months Ended Dec. 31, 2009 USD / shares
VOBA and Intangibles[Abstract]
VOBA and Intangibles	12. VOBA and Intangibles Information about VOBA and intangibles is as follows: VOBA for the Years Ended December 31, Intangibles for the Years Ended December 31, 2009 2008 2007 2009 2008 2007 Beginning balance $ 108,204 $ 125,612 $ 134,437 $ 329,639 $ 160,733 $ 122,637 (Deletions)/additions - (199) 9,397 12,171 217,179* 73,836 Amortization, net of interest accrued (13,890) (16,696) (18,664) (48,620) (33,956) (35,740) Foreign currency translation and other 318 (513) 442 4,635 (14,317) Ending balance $ 94,632 $ 108,204 $ 125,612 $ 297,825 $ 329,639 $ 160,733 *Amounts primarily attributable to the acquisitions of the GE Warranty Management Group on September 26, 2008 and Signal on October 1, 2008. See Note 3- Business Combinations for further information. As of December31, 2009, the majority of the outstanding balance of VOBA is from the Companys preneed business which is part of the Assurant Solutions segment. VOBA in the preneed business assumes an interest rate ranging from 5.4% to 7.5%. At December31, 2009 the estimated amortization of VOBA for the next five years and thereafter is as follows: Year Amount 2010 $ 12,517 2011 11,138 2012 8,956 2013 8,439 2014 7,991 Thereafter 45,591 Total $ 94,632 Intangible assets that have finite lives, including customer relationships, customer contracts and other intangible assets, are amortized over their estimated useful lives. At December31, 2009, the accumulated amortization related to these assets was $186,638. The estimated amortization of intangibles and the amount of indefinite lived intangibles, which mainly include state licenses, are as follows: Year Amount 2010 $ 52,666 2011 47,770 2012 37,391 2013 28,995 2014 23,259 Thereafter 105,019 Total intangible assets with finite lives 295,100 Total intangible assets with indefinite lives 2,725 Total intangible assets $ 297,825

Reserves

Reserves
	12 Months Ended Dec. 31, 2009 USD / shares
Reserves[Abstract]
Reserves	13. Reserves The following table provides reserve information of the Companys major product lines at the dates shown: December 31, 2009 December 31, 2008 Claims and Benefits Payable Claims and Benefits Payable Future Policy Benefits and Expenses Unearned Premiums Case Reserves Incurred But Not Reported Reserves Future Policy Benefits and Expenses Unearned Premiums Case Reserve Incurred But Not Reported Reserves Long Duration Contracts: Preneed funeral life insurance policies and investment-type annuity contracts $ 3,629,601 $ 37,672 $ 10,431 $ 4,018 $ 3,432,583 $ 4,815 $ 11,664 $ 3,796 Life insurance no longer offered 478,839 681 1,639 339 498,945 735 1,516 349 Universal life and other products no longer offered 263,360 168 233 8,744 288,981 300 208 7,682 FFG, LTC and other disposed businesses 2,879,224 41,531 25,542 421,605 2,764,874 41,771 25,764 352,344 Medical 93,447 11,665 18,137 13,737 105,236 14,688 12,627 19,826 All other 5,162 335 18,197 6,225 5,026 288 18,194 7,664 Short Duration Contracts: Group term life 3,710 218,191 37,419 6,265 212,745 43,517 Group disability 7,705 1,274,378 143,052 2,392 1,325,418 147,584 Medical 112,603 169,260 190,366 109,759 96,702 181,158 Dental 4,334 5,709 19,464 4,642 3,610 21,580 Property and Warranty 1,896,897 173,009 368,242 1,887,510 228,920 332,930 Credit Life and Disability 366,313 81,726 77,581 395,091 85,312 72,665 Extended Service Contracts 2,482,683 2,350 50,207 2,788,327 2,187 65,769 All other 187,267 10,013 16,513 151,276 6,861 14,139 Total $ 7,349,633 $ 5,153,564 $ 2,008,815 $ 1,357,512 $ 7,095,645 $ 5,407,859 $ 2,031,728 $ 1,271,003 The following table provides a roll forward of the Companys product lines with the most significant short duration claims and benefits payable balances: group term life, group disability, medical and property and warranty lines of business. Claims and benefits payable is comprised of case and IBNR reserves. Group Term Life Group Disability Short Duration Medical (2) Long Duration Medical (2) Property and Warranty Balance as of December 31, 2006 gross of reinsurance (3) $ 296,974 $ 1,518,890 $ $316,130 $ 78,056 $ 491,642 Less: Reinsurance ceded and other (1) (813) (12,891) (50,342) (8,412) (141,177) Balance as of January1, 2007, net of reinsurance 296,161 1,505,999 265,788 69,644 350,465 Incurred losses related to: Current year 177,561 385,929 1,181,341 199,748 839,672 Prior years interest 9,738 65,239 Prior year (s) (54,683) (9

Reinsurance

Reinsurance
	12 Months Ended Dec. 31, 2009 USD / shares
Reinsurance[Abstract]
Reinsurance Disclosure	14. Reinsurance In the ordinary course of business, the Company is involved in both the assumption and cession of reinsurance with non-affiliated companies. The following table provides details of the reinsurance recoverables balance for the years ended December 31: 2009 2008 Ceded future policyholder benefits and expense $ 2,786,916 $ 2,672,754 Ceded unearned premium 698,985 637,528 Ceded claims and benefits payable 662,553 637,103 Ceded paid losses 64,409 62,785 Total $ 4,212,863 $ 4,010,170 The effect of reinsurance on premiums earned and benefits incurred was as follows: Years Ended December31, 2009 2008 2007 Long Duration Short Duration Total Long Duration Short Duration Total Long Duration Short Duration Total Direct earned premiums and other considerations $ 745,625 $ 8,632,312 $ 9,377,937 $ 997,538 $ 8,625,122 $ 9,622,660 $ 1,050,202 $ 7,790,573 $ 8,840,775 Premiums assumed 8,852 222,250 231,102 7,176 343,032 350,208 687 568,265 568,952 Premiums ceded (360,221) (1,698,483) (2,058,704) (379,624) (1,667,896) (2,047,520) (402,442) (1,599,555) (2,001,997) Net earned premiums and other considerations $ 394,256 $ 7,156,079 $ 7,550,335 $ 625,090 $ 7,300,258 $ 7,925,348 $ 648,447 $ 6,759,283 $ 7,407,730 Direct policyholder benefits $ 1,166,137 $ 3,690,611 $ 4,856,748 $ 1,372,998 $ 3,746,597 $ 5,119,595 $ 1,502,722 $ 3,244,144 $ 4,746,866 Policyholder benefits assumed 31,647 153,792 185,439 27,692 220,553 248,245 4,887 290,526 295,413 Policyholder benefits ceded (764,441) (409,764) (1,174,205) (807,896) (540,797) (1,348,693) (918,934) (410,634) (1,329,568) Net policyholder benefits $ 433,343 $ 3,434,639 $ 3,867,982 $ 592,794 $ 3,426,353 $ 4,019,147 $ 588,675 $ 3,124,036 $ 3,712,711 The Company had $1,052,007 and $957,152, respectively, of invested assets held in trusts or by custodians as of December31, 2009 and 2008, respectively, for the benefit of others related to certain reinsurance arrangements. The Company utilizes ceded reinsurance for loss protection and capital management, business dispositions, and in Assurant Solutions and Assurant Specialty Property segments, for client risk and profit sharing. An allowance for doubtful accounts is recorded on the basis of periodic evaluations of balances due from reinsurers, reinsurer solvency, managements experience and current economic conditions. The allowance for doubtful accounts was $6,254 and $9,680 at December31, 2009 and 2008, respectively. Loss Protection and Capital Management As part of the Companys overall risk and capacity management strategy, the Company purchases reinsurance for certain risks underwritten by the Companys various

Debt

Debt
	12 Months Ended Dec. 31, 2009 USD / shares
Debt[Abstract]
Debt Disclosure [Text Block]	15. Debt In February 2004, the Company issued two series of senior notes with an aggregate principal amount of $975,000. The Company received net proceeds of $971,537 from this transaction, which represents the principal amount less the discount. The discount of $3,463 is amortized over the life of the notes and is included as part of interest expense on the statement of operations. The first series is $500,000 in principal amount, bears interest at 5.63%per year and is payable in a single installment due February15, 2014 and was issued at a 0.11% discount. The second series is $475,000 in principal amount, bears interest at 6.75%per year and is payable in a single installment due February15, 2034 and was issued at a 0.61% discount. Interest on the senior notes is payable semi-annually on February15 and August15 of each year. The senior notes are unsecured obligations and rank equally with all of the Companys other senior unsecured indebtedness. The senior notes are not redeemable prior to maturity. All of the holders of the senior notes exchanged their notes in May 2004 for new notes registered under the Securities Act of 1933, as amended. The interest expense incurred for the years ended December31, 2009, 2008 and 2007 related to the senior notes was $60,188. There was $22,570 of accrued interest at December31, 2009, 2008 and 2007, respectively. The Company made interest payments of $30,094 on February15, 2009 and August15, 2009, respectively. Credit Facility In March 2004 the Board authorized a $500,000 commercial paper program, to be used for working capital and other general corporate purposes. The Companys commercial paper program requires the Company to maintain liquidity facilities either in an available amount equal to any outstanding notes from the commercial paper program or in an amount sufficient to maintain the ratings assigned to the notes issued from the commercial paper program. The Companys subsidiaries do not maintain commercial paper or other borrowing facilities at their level. Prior to December 18, 2009 this program was backed up by a $500,000 senior revolving credit facility. This program is currently backed up by a $350,000 senior revolving credit facility, of which $325,114 was available at December 31, 2009, due to outstanding letters of credit. On December 18, 2009, the Company entered into a three-year unsecured revolving credit agreement (2009 Credit Facility) with a syndicate of banks arranged by JP Morgan Chase Bank, Inc. and Bank of America, Inc. The 2009 Credit Facility replaces the Companys prior five-year $500,000 revolving credit facility (2004 Credit Facility). The 2009 Credit Facility provides for revolving loans and the issuance of multi-bank, syndicated letters of credit and/or letters of credit from a sole issuing bank in an aggregate amount of $350,000 and is available until December 2012, provided the Company is in compliance with all covenants. The agreement has a sublimit for letters of credit issued under the agreement of $50,000. The proceeds of these loans may be used for the Companys commercial paper program or for general corporate purposes. The amended and restated 2004

Mandatorily Redeemable Preferre

Mandatorily Redeemable Preferred Stocks
	12 Months Ended Dec. 31, 2009 USD / shares
Mandatorily Redeemable Preferred Stock [Abstract]
Schedule of Redeemable Preferred Stock [Text Block]	16. Mandatorily Redeemable Preferred Stock The Companys Board of Directors has the authority to issue up to 200,000,000 shares of preferred stock, par value $1.00 per share, in one or more series and to fix the powers, preferences, rights and qualifications, limitations or restrictions thereof, which may include dividend rights, conversion rights, voting rights, terms of redemption, liquidation preferences and the number of shares constituting any series or the designations of the series. The carrying value equals the redemption value for all classes of preferred stock. Information about the preferred stock is as follows: For the Years Ended December31, 2009 2008 Preferred stock, par value $1.00 per share: Series B: 19,160 shares designated, 3,160 and 6,160 shares issued and outstanding in 2009 and 2008, respectively $ 3,160 $ 6,160 Series C: 5,000 shares designated, issued and outstanding 5,000 5,000 Total $ 8,160 $ 11,160 There was no change in the outstanding shares of Series C for the years ended December31, 2009, 2008 and 2007. Changes in the number of Series B shares outstanding are as follows: For the Years Ended December31, 2009 2008 2007 Shares outstanding, beginning 6,160 16,160 17,160 Shares redeemed (3,000) (10,000) (1,000) Shares outstanding, ending 3,160 6,160 16,160 All shares have a liquidation price of $1,000 per share and rank senior to common stock with respect to rights to receive dividends and to receive distributions upon the liquidation, dissolution or winding up of the Company. Holders of the Series B Preferred Stock are entitled to receive cumulative dividends at the rate of 4.0%per share per annum, multiplied by the $1,000 per share liquidation price, and holders of the Series C Preferred Stock are entitled to receive dividends at the rate of 4.5%per share per annum multiplied by the $1,000 per share liquidation price. All dividends are payable in arrears on a quarterly basis. Any dividend that is not paid on a specified dividend payment date with respect to a share of such Preferred Stock shall be deemed added to the liquidation price of such share for purposes of computing the future dividends on such share, until such delinquent dividend has been paid. Holders of the Series B Preferred Stock may elect to have any or all of their shares redeemed by the Company at any time after April1, 2002, and the Company must redeem all shares of the Series B no later than July1, 2017. Holders of the Series C Preferred Stocks may elect to have any or all of their shares redeemed by the Company any time after April1, 2022, and the Company must redeem all shares of the Series C Preferred Stock no later than July1, 2027. The Company also has the right and the obligation to redeem the Series B and Series C Preferred Stocks upon the occurrence of certain specified events. The redemption price in all cases shall equal the $1,000 per share liquidation price plus all accumulated and unpaid dividends. The Company is not required to establish any sinking fund or similar funds with respect to su

Common Stock

Common Stock
	12 Months Ended Dec. 31, 2009 USD / shares
Common Stock
Schedule of Common Stock by Class [Text Block] (Deprecated 2009-01-31)	17. Common Stock Changes in the number of common stock shares outstanding are as follows: December 31, 2009 2008 2007 Shares outstanding, beginning 117,368,534 117,808,007 122,618,317 Vested restricted stock and restricted stock units, net (a) 78,826 58,447 35,969 Issuance to Board of Directors - 8,466 10,396 Issuance related to ESPP 321,038 136,487 156,517 Issuance related to SARS exercise 2,366 357,127 676,141 Shares repurchased (1,122,050) (1,000,000) (5,689,333) Shares outstanding, ending 116,648,714 117,368,534 117,808,007 (a) Vested restricted stock and restricted stock units shown net of shares retired to cover participant tax liability The Company is authorized to issue 800,000,000 shares of common stock. In addition, 150,001 shares of Class B and 400,001 shares of Class C common stock, per the Restated Certificate of Incorporation of Assurant, Inc., are still authorized but have not been retired.

Stock Based Compensation

Stock Based Compensation
	12 Months Ended Dec. 31, 2009 USD / shares
Stock Based Compensation
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	18. Stock Based Compensation In accordance with ASC Topic 718 Compensation- Stock Compensation (ASC Topic 718), the Company recognized stock-based compensation costs based on the grant date fair value. The Company also applied the long form method to calculate its beginning pool of windfall tax benefits related to employee stock-based compensation awards as of the adoption date of ASC Topic 718. For the years ended December31, 2009, 2008 and 2007, the Company recognized compensation costs net of a 5%per year forfeiture rate on a pro-rated basis over the remaining vesting period. Long-Term Equity Incentive Plan In May 2008, shareholders of the Company approved the Assurant, Inc. Long-Term Equity Incentive Plan (ALTEIP), which authorizes the granting of up to 3,400,000 shares of the Companys common stock to employees, officers and non-employee directors. Under the ALTEIP, the Company may grant awards based on shares of our common stock, including stock options, stock appreciation rights (SARs), restricted stock (including performance shares), unrestricted stock, restricted stock units (RSUs), performance share units (PSUs) and dividend equivalents. All future share-based grants will be issued under the ALTEIP. The Compensation Committee of the Board of Directors (the Compensation Committee) awarded PSUs and RSUs in 2009. RSUs and PSUs are promises to issue actual shares of common stock at the end of a vesting period or performance period. The RSUs granted to employees under the ALTEIP were based on salary grade and performance and will vest one-third each year over a three-year period. RSUs granted to non-employee directors also vest one-third each year over a three-year period. RSUs receive dividend equivalents in cash during the restricted period and do not have voting rights during the restricted period. PSUs accrue dividend equivalents during the performance period based on a target payout, which will be paid in cash at the end of the performance period based on the actual number of shares issued. For the PSU portion of an award, the number of shares a participant will receive upon vesting is contingent upon the Company meeting certain pre-established performance goals, identified below, at the end of a three-year performance period. These performance goals will be measured to determine the number of shares a participant will receive. The payout levels can vary between 0% and 150% (maximum) of the target (100%)ALTEIP award amount based on the Companys level of performance against the pre-established performance goals. PSU Performance Goals. For 2009, the Compensation Committee has established earnings per share (EPS) growth, revenue growth and total stockholders return as the three performance measures for PSU awards. EPS growth is defined as the year-over-year change in GAAP net income divided by average diluted shares outstanding. Revenue growth is defined as year-over-year change in GAAP total revenues as disclosed in the Companys annual statement of operations. Total stockholders return is defined as appreciation in Company stock plus dividend yield to stockholders. The actual payout level is determined by ranking t

Stock Repurchase

Stock Repurchase
	12 Months Ended Dec. 31, 2009 USD / shares
Treasury Stock Note Disclosure [Abstract]
Schedule of Treasury Stock by Class [Text Block]	19. Stock Repurchase The following table shows the shares repurchased during the periods indicated: Period in 2009 Number of Shares Purchased Average Price Paid Per Share Total Number of Shares Purchased as Part of Publicly Announced Programs January - $ - - February - - - March - - - April - - - May - - - June - - - July - - - August 863,050 28.45 863,050 September 259,000 28.54 259,000 October - - - November - - - December - - - Total 1,122,050 $ 28.47 1,122,050 On November 10, 2006, the Companys Board of Directors authorized the Company to repurchase up to $600,000 of its outstanding common stock. On August7, 2008, the Company purchased 1,000,000 of its common shares from Fortis Insurance N.V. (Fortis) at a price, including transaction fees, of $59.00 per share for a total of $59,000. The shares were purchased in a private aftermarket block transaction. During the year ended December 31, 2009, the Company repurchased 1,122,050 shares of the Companys outstanding common stock at a cost of $31,949. On January 22, 2010, the Companys Board of Directors authorized the Company to repurchase up to an additional $600,000 of its outstanding common stock. Following this increase, the Company can repurchase up to $770,044 of additional outstanding common stock under the current authorization.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)
	12 Months Ended Dec. 31, 2009 USD / shares
Accumulated Other Comprehensive Income (Loss)[Abstract]
Accumulated Other Comprehensive Income (Loss)	20. Accumulated Other Comprehensive Income (Loss) The components of accumulated other comprehensive income (loss), net of tax, at December31, are as follows: Foreign currency translation adjustment Unrealized gains (losses) on securities OTTI Pension under-funding Accumulated other comprehensive income (loss) Balance at December 31, 2007 $ 84,435 $ 23,384 $ - $ (53,908) $ 53,911 Activity in 2008 (130,379) (501,784) - (92,694) (724,857) Balance at December 31, 2008 (45,944) (478,400) - (146,602) (670,946) Cumulative effect of change in accounting principle (after-tax) (1) - (35,359) (7,758) - (43,117) Activity in 2009 69,856 708,309 14,033 (12,210) 779,988 Balance at December 31, 2009 $ 23,912 $ 194,550 $ 6,275 $ (158,812) $ 65,925 (1) Related to the adoption of the new OTTI guidance for debt securities. See Notes 5 and 6 for further information. The amounts in the unrealized gains (losses) on securities column are net of reclassification adjustments of $(26,209), $(225,333) and $(44,389), net of tax, in 2009, 2008 and 2007, respectively, for net realized gains (losses) on sales of securities included in net income. The amounts in the OTTI column are net of reclassification adjustments of $(4,992), net of tax, in 2009, for net realized gains (losses) on sales of securities included in net income.

Statutory Information

Statutory Information
	12 Months Ended Dec. 31, 2009 USD / shares
Statutory Information
Statutory Accounting Practices Disclosure [Text Block]	21. Statutory Information The Companys insurance subsidiaries prepare financial statements on the basis of statutory accounting practices (SAP) prescribed or permitted by the insurance departments of their states of domicile. Prescribed SAP includes the Accounting Practices and Procedures Manual of the National Association of Insurance Commissioners (NAIC) as well as state laws, regulations and administrative rules. The principal differences between SAP and GAAP are: 1) policy acquisition costs are expensed as incurred under SAP, but are deferred and amortized under GAAP; 2) the value of business acquired is not capitalized under SAP but is under GAAP; 3) amounts collected from holders of universal life-type and annuity products are recognized as premiums when collected under SAP, but are initially recorded as contract deposits under GAAP, with cost of insurance recognized as revenue when assessed and other contract charges recognized over the periods for which services are provided; 4) the classification and carrying amounts of investments in certain securities are different under SAP than under GAAP; 5) the criteria for providing asset valuation allowances, and the methodologies used to determine the amounts thereof, are different under SAP than under GAAP; 6) the timing of establishing certain reserves, and the methodologies used to determine the amounts thereof, are different under SAP than under GAAP; 7) certain assets are not admitted for purposes of determining surplus under SAP; 8) methodologies used to determine the amounts of deferred taxes, intangible assets and goodwill are different under SAP than under GAAP; and 9) the criteria for obtaining reinsurance accounting treatment is different under SAP than under GAAP. The combined statutory net income, excluding intercompany dividends and surplus note interest, and capital and surplus of the Companys U.S. domiciled statutory insurance subsidiaries follow: Years Ended December 31, 2009 2008 2007 Statutory net income PC companies $ 488,545(2) $ 356,128 $ 310,666 Life companies 78,880 64,214 346,930 Total statutory net income $ 567,425 $ 420,342(1) $ 657,596 (1)The $420,342 total statutory net income includes $224,290 (after-tax) of net realized losses on investments, including $177,890 (after-tax) of realized losses due to other-than-temporary impairments, and $86,200 (after-tax) of incurred insurance losses due to Hurricanes Gustav and Ike. (2)The $488,545 total statutory PC companies net income includes a favorable legal settlement of $90,350 (after-tax) with Willis Limited, as subsidiary of Willis Group Holdings Limited. See note 26 for further information. December 31, 2009 2008 Statutory capital and surplus PC companies $ 1,291,637 $ 1,380,247 Life companies 1,052,929 930,685 Total statutory capital and surplus $ 2,344,566 $ 2,310,932 The Company also has non-insurance subsidiaries and foreign insurance subsidiaries that are not subject to SAP. The statutory net income and statutory capital and surplus presented above do not inc

Retirement and Other Employee B

Retirement and Other Employee Benefits
	12 Months Ended Dec. 31, 2009 USD / shares
Retirement and Other Employee Benefits
Pension and Other Postretirement Benefits Disclosure [Text Block]	22. Retirement and Other Employee Benefits Defined Benefit Plans The Company and its subsidiaries participate in a non-contributory defined benefit pension plan covering substantially all employees. The defined benefit pension plan is a pension equity plan with a grandfathered final average earnings plan for a certain group of employees. Benefits are based on certain years of service and the employees compensation during certain such years of service. The Companys funding policy is to contribute amounts to the plan sufficient to meet the minimum funding requirements set forth in the Employee Retirement Income Security Act of 1974 (ERISA), plus such additional amounts as the Company may determine to be appropriate from time to time up to the maximum permitted. Contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future. The Company also has a non-contributory, non-qualified supplemental program covering certain employees. The qualified and nonqualified plans are referred to as Pension Benefits unless otherwise noted. The Company has the right to modify or terminate these benefits; however, the Company will not be relieved of its obligation to plan participants for their vested benefits. In addition, the Company provides certain life and healthcare benefits (Retirement Health Benefits) for retired employees and their dependents. Substantially all employees of the Company may become eligible for these benefits depending on age and years of service. The Company has the right to modify or terminate these benefits. Plan assets and benefit obligations are measured as of December 31, 2009. Summarized information on the Companys Pension Benefits and Retirement Health Benefits plans (together the Plans) for the years ended December31 is as follows: Pension Benefits Retirement Health Benefits 2009 2008 2007 2009 2008 2007 Change in projected benefit obligation Projected benefit obligation at beginning of year $ (581,432) $ (519,622) $ (517,263) $ (67,166) $ (59,068) $ (60,547) Service cost (26,153) (22,904) (22,605) (3,571) (2,801) (2,935) Interest cost (36,127) (33,440) (30,299) (4,263) (3,816) (3,465) Amendments (374) (4,412) (3,976) (1,926) Actuarial (loss) gain (45,515) (29,981) 27,851 (8,456) (3,054) 6,333 Benefits paid 31,437 28,927 26,670 1,829 1,573 1,546 Projected benefit obligation at end of year $ (658,164) $ (581,432) $ (519,622) $ (83,553) $ (67,166) $ (59,068) Change in plan assets Fair value of plan assets at beginning of year $ 380,577 $ 452,723 $ 404,237 $ 23,687 $ 21,851 $ 15,436 Actual return on plan assets 59,956 (71,459) 30,160 4,117 (4,278) 482 Employer contributions 53,063 29,695 46,117 10,571 7,687 7,479 Benefits paid (including administrative expenses) (32,635) (30,382) (27,791

Segment Information

Segment Information
	12 Months Ended Dec. 31, 2009 USD / shares
Segment Information
Schedule of Segment Reporting Information, by Segment [Text Block]	23. Segment Information The Company has five reportable segments, which are defined based on the nature of the products and services offered: Assurant Solutions, Assurant Specialty Property, Assurant Health, Assurant Employee Benefits, and Corporate Other. Assurant Solutions provides credit insurance, including life, disability and unemployment, debt protection administration services, warranties and extended service contracts, life insurance policies and annuity products that provide benefits to fund pre-arranged funerals. Assurant Specialty Property provides creditor-placed homeowners insurance and manufactured housing homeowners insurance. Assurant Health provides individual, short-term and small group health insurance. Assurant Employee Benefits provides employee and employer paid dental, disability, and life insurance products and related services. Corporate Other includes activities of the holding company, financing and interest expenses, net realized gains (losses) on investments, interest income earned from short-term investments held and additional costs associated with excess of loss reinsurance programs reinsured and ceded to certain subsidiaries in the London market between 1995 and 1997. Corporate Other also includes the amortization of deferred gains associated with the sales of FFG and LTC through reinsurance agreements. The Company evaluates performance of the operating segments based on segment income after-tax excluding realized gains (losses) on investments. The Company determines reportable segments in a manner consistent with the way the Company organizes for purposes of making operating decisions and assessing performance. The accounting policies of the reportable segments are the same as those described in the summary of significant accounting policies. See Note 2 for further information. The following tables summarize selected financial information by segment for the years ended December31, 2009, 2008 and 2007: Year Ended December31, 2009 Solutions Specialty Property Health Employee Benefits Corporate Other Consolidated Revenues Net earned premiums and other considerations $ 2,671,041 $ 1,947,529 $ 1,879,628 $ 1,052,137 $ $ 7,550,335 Net investment income 391,229 110,337 47,658 133,365 16,249 698,838 Net realized losses on investments (53,597) (53,597) Amortization of deferred gain on disposal of businesses 22,461 22,461 Fees and other income 216,550 56,890 39,879 28,343 140,802 482,464 Total revenues 3,278,820 2,114,756 1,967,165 1,213,845 125,915 8,700,501 Benefits, losses and expenses Policyholder benefits 1,029,151 664,182 1,410,171 757,070 7,408 3,867,982 Amortization of deferred acquisition costs and value of business acquired 1,187,106 367,663 8,526 38,585 1,601,880 Underwriting, general and administrative expenses 868,242 464,865 596,172 354,316 93,769 2,377,364 Interest expense 60,669 60,669 Total benefits, losses and e

Earnings Per Share

Earnings Per Share
	12 Months Ended Dec. 31, 2009 USD / shares
Earnings Per Share
Earnings Per Share [Text Block]	24. Earnings per common share In accordance with the earnings per share guidance on participating securities and the two class method, which is within ASC Topic 260, described in Note 2, restricted stock and RSUs which have non-forfeitable rights to dividends or dividend equivalents are included in calculating basic and diluted earnings per share under the two-class method. The two-class method is an earnings allocation formula that determines EPS for each class of common stock according to dividends declared and participation rights in undistributed earnings. All prior period EPS data presented has been adjusted to conform to the two-class method. The following table presents net income, the weighted average common shares used in calculating basic earnings per common share and those used in calculating diluted earnings per common share for each period presented below. Years Ended December 31, 2009 2008 2007 Numerator Net income $ 430,574 $ 447,796 $ 653,746 Deduct dividends paid (69,596) (63,672) (55,038) Undistributed earnings $ 360,978 $ 384,124 $ 598,708 Denominator Weighted average shares outstanding used in basic earnings per share calculations 118,036,632 118,005,967 119,934,873 Incremental common shares from : PSUs 171,371 - - SARs 100,400 831,700 1,554,047 ESPP 187,237 137,012 70,647 Weighted average shares used in diluted earnings per share calculations 118,495,640 118,974,679 121,559,567 Earnings per common share - Basic Distributed earnings $ 0.59 $ 0.54 $ 0.46 Undistributed earnings 3.06 3.25 4.99 Net income $ 3.65 $ 3.79 $ 5.45 Earnings per common share Diluted Distributed earnings $ 0.59 $ 0.53 $ 0.45 Undistributed earnings 3.04 3.23 4.93 Net income $ 3.63 $ 3.76 $ 5.38 Average SARs totaling 4,287,465, 2,500,386 and 1,217,500 for the years ended December31, 2009, 2008 and 2007, respectively, were also outstanding but were anti-dilutive and thus not included in the computation of diluted EPS under the treasury stock method.

Results of Operations

Results of Operations
	12 Months Ended Dec. 31, 2009 USD / shares
Quarterly Results of Operations
Quarterly Financial Information [Text Block]	25. Quarterly Results of Operations (Unaudited) The Companys quarterly results of operations for the years ended December31, 2009 and 2008 are summarized in the tables below: Three Month Periods Ended March 31 June 30 September 30 December 31 2009 (1) Total revenues $ 2,087,877 $ 2,273,609 $ $2,156,873 $ 2,182,142 Income before provision for income taxes 157,867 281,518 209,066 61,155 Net income 80,581 193,322 144,730 11,941 Basic per share data: Income before provision for income taxes $ 1.34 $ $2.38 $ $1.77 $ 0.52 Net income $ 0.68 $ $1.63 $ $1.22 $ 0.10 Diluted per share data: Income before provision for income taxes $ 1.34 $ $2.37 $ $1.77 $ 0.52 Net income $ 0.68 $ $1.63 $ $1.22 $ 0.10 March 31 June 30 September 30 December 31 2008 (1) Total revenues $ 2,177,325 $ 2,248,760 $ 1,954,535 $ 2,220,608 Income (loss) before provision (benefit) for income taxes 285,928 249,414 (163,520) 191,456 Net income (loss) 186,830 189,954 (111,429) 182,441 Basic per share data: (2) Income (loss) before provision (benefit) for income taxes $ 2.42 $ 2.11 $ $(1.39) $ 1.63 Net income (loss) $ 1.58 $ 1.61 $ $(0.94) $ 1.55 Diluted per share data: (2) Income (loss) before provision (benefit) for income taxes $ 2.39 $ 2.08 $ (1.39) $ 1.62 Net income (loss) $ 1.56 $ 1.59 $ (0.94) $ 1.55 (1) The sum of the four periods may not agree to the total year to date amounts due to rounding. (2) Prior period amounts have been adjusted in accordance with the earnings per share guidance on participating securities and the two class method, which is within the Financial Accounting Standards Boards Accounting Standards Codification Topic 260, Earnings Per Share. During the fourth quarter of 2009, following the completion of our annual goodwill impairment analysis, the Company recorded an impairment charge of $83,000 related to the Assurant Employee Benefits reporting unit. The impairment charge resulted in a decrease to net income and had no related tax benefit. See Notes 2, 6 and 11 for further information. During the fourth quarter of 2008, the Company recorded a $62,343 tax benefit due to the release of a valuation allowance related to deferred tax assets on capital loss carryovers and pre-tax net realized losses on investments of $51,757. Included in net realized losses are other-than-temporary impairments of $40,023. During the third quarter of 2008, the Company realized pre-tax losses associated with hurricanes Gustav and Ike of $132,615 and pre-tax realized net losses on investments of $299,205. Included in net realized losses are other-than-temporary impairments of $229,148.

Commitments and Contingencies

Commitments and Contingencies
	12 Months Ended Dec. 31, 2009 USD / shares
Commitments and Contingencies
Commitments and Contingencies Disclosure [Text Block]	26. Commitments and Contingencies The Company and its subsidiaries lease office space and equipment under operating lease arrangements. Certain facility leases contain escalation clauses based on increases in the lessors operating expenses. At December31, 2009, the aggregate future minimum lease payments under these operating lease agreements that have initial or non-cancelable terms in excess of one year are: 2010 34,755 2011 26,076 2012 19,793 2013 13,846 2014 11,294 Thereafter 39,283 Total minimum future lease payments $ 145,047 Rent expense was $41,639, $37,360 and $38,237 for 2009, 2008 and 2007, respectively. In the normal course of business, letters of credit are issued primarily to support reinsurance arrangements. These letters of credit are supported by commitments with financial institutions. The Company had $ 28,566 and $29,617 of letters of credit outstanding as of December31, 2009 and 2008, respectively. The Company is involved in litigation in the ordinary course of business, both as a defendant and as a plaintiff. The Company may from time to time be subject to a variety of legal and regulatory actions relating to the Companys current and past business operations. While the Company cannot predict the outcome of any pending or future litigation, examination or investigation and although no assurances can be given, the Company does not believe that any pending matter will have a material adverse effect individually or in the aggregate, on the Companys financial condition, results of operations, or cash flows. The Company has a $14,650 litigation reserve as a result of an unfavorable ruling reached during September 2009 by the South Carolina Supreme Court in a claim-related lawsuit, in the ordinary course, that was originally filed in 2003. The Company is currently pursuing available appellate remedies. The Company holds a litigation reserve of $37,302 due to an unfavorable jury verdict in an ordinary course rescission-related lawsuit that was originally filed in 2006. A judgment has not yet been entered by the court and the Company plans to pursue all available post-trial motions and appellate remedies. Both of these litigation reserves relate to our Assurant Health segment. One of the Companys subsidiaries, American Reliable Insurance Company (ARIC), participated in certain excess of loss reinsurance programs in the London market and, as a result, reinsured certain personal accident, ransom and kidnap insurance risks from 1995 to 1997. ARIC and a foreign affiliate ceded a portion of these risks to retrocessionaires. ARIC ceased reinsuring such business in 1997. However, certain risks continued beyond 1997 due to the nature of the reinsurance contracts written. ARIC and some of the other reinsurers involved in the programs are seeking to avoid certain treaties on various grounds, including material misrepresentation and non-disclosure by the ceding companies and intermediaries involved in the programs. Similarly, some of the retrocessionaires are seeking avoidance of certain treaties with ARIC and the other reinsurers and some reinsureds are seeking co

Subsequent Events

Subsequent Events
	12 Months Ended Dec. 31, 2009 USD / shares
Subsequent Events
Schedule of Subsequent Events [Text Block]	27. Subsequent Events The Company evaluated subsequent events through the date the accompanying consolidated financial statements were issued and determined there were none.

Summary of Investments Other Th

Summary of Investments Other Than Investments In Related Parties
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule I - Summary of Investments Other than Investments in Related Parties
Summary of Investments, Other than Investments in Related Parties [Text Block]	Assurant, Inc. at December31, 2009 Schedule ISummary of Investments Other ThanInvestments in Related Parties Cost or AmortizedCost Fair Value Amountatwhich shown in balance sheet (in thousands) Fixed maturity securities: United States Government and government agencies and authorities $ 115,268 $ 120,330 $ 120,330 States, municipalities and political subdivisions 873,548 910,068 910,068 Foreign governments 558,254 572,827 572,827 Asset-backed 51,834 53,963 53,963 Commercial mortgage-backed 159,780 159,907 159,907 Residential mortgage-backed 685,373 712,003 712,003 Corporate 7,240,026 7,437,674 7,437,674 Total fixed maturity securities 9,684,083 9,966,772 9,966,772 Equity securities: Common stocks 5,493 4,529 4,529 Non-redeemable preferred stocks 508,856 508,458 508,458 Total equity securities 514,349 512,987 512,987 Commercial mortgage loans on real estate, at amortized cost 1,428,027 1,442,889 1,428,027 Policy loans 56,407 56,407 56,407 Short-term investments 453,469 453,469 453,469 Collateral held under securities lending 220,279 218,129 218,129 Other investments 522,041 522,041 522,041 Total investments $ 12,878,655 $ 13,172,694 $ 13,157,832

Condensed Balance Sheet

Condensed Balance Sheet (Parent Only)
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule II - Condensed Balance Sheet (Parent Only)
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Assurant, Inc. Schedule IICondensed Balance Sheet (Parent Only) December 31, 2009 2008 (in thousands except number of shares) Assets Investments: Equity investment in subsidiaries $ 4,886,775 $ 4,209,278 Fixed maturity securities available for sale, at fair value (amortized cost$106,037 in 2009 and $22,638 in 2008) 105,409 16,738 Short-term investments 3,252 3,777 Other investments 73,057 75,762 Total investments 5,068,493 4,305,555 Cash and cash equivalents 727,186 302,319 Receivable from subsidiaries, net 30,574 5,967 Income tax receivable 5,259 43,026 Accrued investment income 235 137 Property and equipment, at cost less accumulated depreciation 144,980 149,302 Deferred income taxes, net 201,569 199,353 Goodwill 37,000 43,832 Other assets 33,145 36,637 Total assets $ 6,248,441 $ 5,086,128 Liabilities Accounts payable and other liabilities $ 414,974 $ 393,506 Debt 972,058 971,957 Mandatorily redeemable preferred stock 8,160 11,160 Total liabilities 1,395,192 1,376,623 Commitments and Contingencies Stockholders equity Common stock, par value $0.01 per share, 800,000,000 shares authorized, 116,648,714 and 117,368,534 shares outstanding at December31, 2009 and 2008, respectively 1,447 1,443 Additional paid-in capital 2,962,883 2,928,160 Retained earnings 3,054,466 2,650,371 Accumulated other comprehensive income (loss) 65,925 (670,946) Treasury stock, at cost; 28,119,993 and 26,997,943 shares at December31, 2009 and 2008, respectively (1,231,472) (1,199,523) Total stockholders equity 4,853,249 3,709,505 Total liabilities and stockholders equity $ 6,248,441 $ 5,086,128 Assurant, Inc. Schedule IICondensed Income Statement (Parent Only) Years Ended December 31, 2009 2008 2007 (in thousands) Revenues Net investment income $ 1,104 $ 9,358 $ 22,265 Net realized (losses) gains on investments (1,223) (208) 687 Fees and other income 92,936 77,567 58,551 Equity in undistributed and distributed net income of subsidiaries 534,781 435,808 750,058 Total revenues 627,598 522,525 831,561 Expenses General and administrative expenses 174,889 151,529 137,888 Interest expense 60,669 60,953 61,178 Goodwill impairment 6,832 Total expenses 242,390 212,482 199,066 Income before benefit for income taxes 385,208 310,043 632,495 Benefit for income taxes 45,366 137,753 21,251 Net income $ 430,574 $ 447,796 $ 653,746 Assurant, Inc. Schedule IICondensed Cash Flows (Parent Only) Years Ended December 31, 2009 2008 2007 (in thousands) Operating Activities Net income $ 430,574 $ 447,796 $ 653,746 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistrib

Supplementary Insurance Informa

Supplementary Insurance Information
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule III - Supplementary Insurance Information
Supplementary Insurance Information, for Insurance Companies Disclosure [Text Block]	Assurant, Inc. for the years ended December31, 2009, 2008 2007 Schedule IIISupplementary Insurance Information G Segment Deferred Acquisition Cost Future policy benefits and expenses Unearned premiums Claims and benefits payable Premium revenue Net investment income Benefits claims, losses and settlement expenses Amortization of deferred policy acquisition costs Other* operating expenses Property and Casualty Premiums Written (in thousands) 2009 Solutions $ 2,257,568 $ 4,372,710 $ 3,655,942 $ 399,804 $ 2,671,041 $ 391,229 $ 1,029,151 $ 1,173,216 $ 882,132 $ 639,628 Specialty Property 214,300 3,556 1,315,881 341,553 1,947,529 110,337 664,182 367,663 464,865 1,980,985 Employee Benefits 24,448 696 15,721 1,717,927 1,052,137 133,365 757,070 38,585 354,316 Health 8,338 95,353 124,515 396,546 1,879,628 47,658 1,410,171 8,526 596,172 Corporate and Other 2,877,318 41,505 510,497 16,249 7,408 176,769 Total segments $ 2,504,654 $ 7,349,633 $ 5,153,564 $ 3,366,327 $ 7,550,335 $ 698,838 $ 3,867,982 $ 1,587,990 $ 2,474,254 $ 2,620,613 2008 Solutions $ 2,407,675 $ 4,221,357 $ 3,985,167 $ 367,582 $ 2,813,407 $ 420,615 $ 1,198,758 $ 1,265,196 $ 776,696 $ 654,003 Specialty Property 201,817 3,473 1,243,043 411,359 2,048,238 123,043 785,403 334,516 483,332 2,207,540 Employee Benefits 24,557 705 13,168 1,775,285 1,111,748 147,027 775,684 37,019 363,796 Health 16,623 107,394 124,759 315,706 1,951,955 57,464 1,258,188 18,253 586,352 Corporate and Other 2,762,716 41,722 432,799 26,198 1,114 92,690 Total segments $ 2,650,672 $ 7,095,645 $ 5,407,859 $ 3,302,731 $ 7,925,348 $ 774,347 $ 4,019,147 $ 1,654,984 $ 2,302,866 $ 2,861,543 2007 Solutions $ 2,658,208 $ 4,298,202 $ 4,171,002 $ 378,215 $ 2,530,445 $ 427,331 $ 1,073,858 $ 1,087,388 $ 743,321 $ 740,875 Specialty Property 178,398 4,472 1,052,326 309,590 1,682,266 100,210 548,873 272,961 428,997 1,872,476 Employee Benefits 24,565 759 14,259 1,842,102 1,144,739 166,955 790,570 30,953 380,915 Health 34,174 132,166 128,756 367,959 2,050,280 66,634 1,295,441 19,769 607,579 Corporate and Other 2,753,897 44,366 405,218 37,943 3,969 96,703 Total segments $ 2,895,345 $ 7,189,496 $ 5,410,709 $ 3,303,084 $ 7,407,730 $ 799,073 $ 3,712,711 $ 1,411,071 $ 2,257,515 $ 2,613,351 *Includes

Supplemental Reinsurance Inform

Supplemental Reinsurance Information
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule IV- Reinsurance
Supplemental Schedule of Reinsurance Premiums for Insurance Companies [Text Block]	Assurant, Inc. for the year ended December31, 2009 Schedule IVReinsurance Direct amount Ceded to other Companies Assumed from other Companies Net amount Percentage of amount assumed to net Life Insurance in-Force $ 111,493,158 $ 35,142,086 $ 8,763,631 $ 85,114,703 11.0% Premiums: Life insurance $ 914,988 $ 418,839 $ 15,847 $ 511,996 3.1% Accident and health insurance 3,551,406 755,348 151,471 2,947,529 5.1% Property and liability insurance 4,911,543 884,517 63,784 4,090,810 1.6% Total earned premiums $ 9,377,937 $ 2,058,704 $ 231,102 $ 7,550,335 3.1% Benefits: Life insurance $ 860,253 $ 436,326 $ 34,842 $ 458,769 7.6% Accident and health insurance 2,496,901 517,158 113,993 2,093,736 5.4% Property and liability insurance 1,499,594 220,721 36,604 1,315,477 2.8% Total policyholder benefits $ 4,856,748 $ 1,174,205 $ 185,439 $ 3,867,982 4.8% Assurant, Inc. for the year ended December31, 2008 Schedule IVReinsurance Direct amount Ceded to other Companies Assumed from other Companies Net amount Percentage of amount assumed to net Life Insurance in Force $ 121,510,500 $ 38,369,258 $ 1,872,195 $ 85,013,437 2.2% Premiums: Life insurance $ 1,136,777 $ 422,862 $ 9,448 $ 723,363 1.3% Accident and health insurance 3,686,230 726,497 145,199 3,104,932 4.7% Property and liability insurance 4,799,653 898,161 195,561 4,097,053 4.8% Total earned premiums $ 9,622,660 $ 2,047,520 $ 350,208 $ 7,925,348 4.4% Benefits: Life insurance $ 1,152,179 $ 591,238 $ 27,922 $ $588,863 4.7% Accident and health insurance 2,155,549 340,794 132,506 1,947,261 6.8% Property and liability insurance 1,811,867 416,661 87,817 1,483,023 5.9% Total policyholder benefits $ 5,119,595 $ 1,348,693 $ 248,245 $ 4,019,147 6.2% Assurant, Inc. for the years ended December31, 2007 Schedule IVReinsurance Direct amount Cededtoother Companies Assumed from otherCompanies Net amount Percentageof amount assumed to net Life Insurance in Force $ 135,494,023 $ 42,443,183 $ 1,035,817 $ 94,086,657 1.1% Premiums: Life insurance $ 1,177,622 $ 434,088 $ 35,445 $ 778,979 4.6% Accident and health insurance 3,796,161 712,309 197,611 3,281,463 6.0% Property and liability insurance 3,866,992 855,600 335,896 3,347,288 10.0% Total earned premiums $ 8,840,775 $ 2,001,997 $ 568,952 $ 7,407,730 7.7% Benefits: Life insurance $ 1,321,162 $ 751,431 $ 20,075 $ 589,806 3.4% Accident and health insurance 2,111,216 307,163 180,881 1,984,934 9.1% Property and liability insurance 1,

Valuation and Qualifying Accoun

Valuation and Qualifying Accounts
	12 Months Ended Dec. 31, 2009 USD / shares
Schedule V - Valuation and Qualifying Accounts
Schedule of Valuation and Qualifying Accounts Disclosure [Text Block]	Assurant, Inc. as of December 31, 2009, 2008 and 2007 Schedule VValuation and Qualifying Accounts Additions Balance at Beginning of Year Charged to Costs and Expenses Charged to Other Accounts Deductions Balance at End of Year 2009: Valuation allowance for foreign NOL deferred tax carryforward $ 7,465 $ (631) $ $ $ 6,834 Valuation allowance for deferred tax assets 91,328 (474) (16,000) 74,854 Valuation allowance for mortgage loans on real estate 5,908 10,214 7 16,129 Valuation allowance for uncollectible agents balances 11,941 1,856 872 3,033 11,636 Valuation allowance for uncollectible accounts 14,424 10,608 125 11,513 13,644 Valuation allowance for Reinsurance Recoverables 9,680 (853) 257 2,831 6,253 Total $ 140,746 $ 20,720 $ (14,739) $ 17,377 $ 129,350 2008: Valuation allowance for foreign NOL deferred tax carryforward $ 3,235 $ 4,230 $ $ $ 7,465 Valuation allowance for deferred tax assets 1,023 90,305 91,328 Valuation allowance for mortgage loans on real estate 5,290 628 (10) 5,908 Valuation allowance for uncollectible agents balances 12,052 1,620 (9) 1,722 11,941 Valuation allowance for uncollectible accounts 4,768 12,622 (130) 2,836 14,424 Valuation allowance for Reinsurance Recoverables 7,811 1,809 60 9,680 Total $ 34,179 $ 111,214 $ (89) $ 4,558 $ 140,746 2007: Valuation allowance for foreign NOL deferred tax carryforward $ 8,782 $ (5,547) $ 3,235 Valuation allowance for deferred tax assets 1,023 1,023 Valuation allowance for mortgage loans on real estate 4,753 537 5,290 Valuation allowance for uncollectible agents balances 16,711 (2,938) 189 1,910 12,052 Valuation allowance for uncollectible accounts 6,876 3,799 (19) 5,888 4,768 Valuation allowance for Reinsurance Recoverables 7,717 86 8 7,811 Total $ 44,839 $ (3,040) $ 178 $ 7,798 $ 34,179