Assurant (AIZ) 10-K 16 Feb 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 10, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	ASSURANT INC
Entity Central Index Key	1,267,238
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Amendment Flag	false
Trading Symbol	AIZ
Entity Common Stock, Shares Outstanding		64,777,357
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 4,458,000,000

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015		Dec. 31, 2014
Investments:
Fixed maturity securities available for sale, at fair value (amortized cost – $9,470,795 in 2015 and $10,048,100 in 2014 )	$ 10,215,328		$ 11,263,174
Equity securities available for sale, at fair value (cost – $450,563 in 2015 and $434,875 in 2014)	500,057		499,407
Commercial mortgage loans on real estate, at amortized cost	1,151,256		1,272,616
Policy loans	43,858		48,272
Short-term investments	508,950		345,246
Collateral held/pledged under securities agreements	0		95,985
Other investments	575,323		606,752
Total investments	12,994,772		14,131,452
Cash and cash equivalents	1,288,305		1,318,656
Premiums and accounts receivable, net	1,260,717		1,445,630
Reinsurance recoverables	7,470,403		7,254,585
Accrued investment income	129,743		138,868
Deferred acquisition costs	3,150,934		2,957,740
Property and equipment, at cost less accumulated depreciation	298,414		277,645
Tax receivable	24,176		15,132
Goodwill	833,512		841,239
Value of business acquired	41,154		45,462
Other intangible assets, net	277,163		381,960
Other assets	475,731		847,860
Assets held in separate accounts	1,798,104		1,906,237
Total assets	30,043,128	[1]	31,562,466
Liabilities
Future policy benefits and expenses	9,466,694		9,483,672
Unearned premiums	6,423,720		6,529,675
Claims and benefits payable	3,896,719		3,698,606
Commissions payable	393,260		487,322
Reinsurance balances payable	132,728		157,089
Funds held under reinsurance	94,417		75,161
Deferred gain on disposal of businesses	92,327		100,817
Obligation under securities agreements	0		95,986
Accounts payable and other liabilities	2,049,810		2,675,515
Debt	1,171,382		1,171,079
Liabilities related to separate accounts	1,798,104		1,906,237
Total liabilities	$ 25,519,161		$ 26,381,159
Commitments and contingencies
Stockholders’ equity
Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and December 31, 2014, respectively	$ 1,497		$ 1,490
Additional paid-in capital	3,148,409		3,131,274
Retained earnings	4,856,674		4,809,287
Accumulated other comprehensive income	118,549		555,767
Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and December 31, 2014, respectively	(3,601,162)		(3,316,511)
Total stockholders’ equity	4,523,967		5,181,307
Total liabilities and stockholders’ equity	$ 30,043,128		$ 31,562,466
[1]	As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Statement of Financial Position [Abstract]
Fixed maturity securities available for sale, amortized cost	$ 9,470,795	$ 10,048,100
Equity securities available for sale, cost	$ 450,563	$ 434,875
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	800,000,000	800,000,000
Common stock, shares outstanding (in shares)	65,850,386	69,299,559	71,828,208	78,664,029
Treasury stock, at cost (in shares)	83,523,031	79,338,142

Consolidated Statements Of Oper

Consolidated Statements Of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues
Net earned premiums	$ 8,350,997	$ 8,632,142	$ 7,759,796
Net investment income	626,217	656,429	650,296
Net realized gains on investments, excluding other-than-temporary impairment losses	36,850	60,813	38,912
Total other-than-temporary impairment losses	(7,212)	(69)	(4,516)
Portion of net loss recognized in other comprehensive income, before taxes	2,188	39	129
Net other-than-temporary impairment losses recognized in earnings	(5,024)	(30)	(4,387)
Amortization of deferred gain on disposal of businesses	12,988	(1,506)	16,310
Fees and other income	1,303,466	1,033,805	586,730
Total revenues	10,325,494	10,381,653	9,047,657
Benefits, losses and expenses
Policyholder benefits	4,742,535	4,405,333	3,675,532
Amortization of deferred acquisition costs and value of business acquired	1,402,573	1,485,558	1,470,287
Underwriting, general and administrative expenses	3,924,089	3,688,230	3,034,404
Interest expense	55,116	58,395	77,735
Total benefits, losses and expenses	10,124,313	9,637,516	8,257,958
Income before benefit for income taxes	201,181	744,137	789,699
Provision for income taxes	59,626	273,230	300,792
Net income	$ 141,555	$ 470,907	$ 488,907
Earnings Per Share
Basic (in dollars per share)	$ 2.08	$ 6.52	$ 6.38
Diluted (in dollars per share)	2.05	6.44	6.30
Dividends per share (in dollars per share)	$ 1.37	$ 1.06	$ 0.96
Share Data
Weighted average shares outstanding used in basic per share calculations (in shares)	68,163,825	72,181,447	76,648,688
Plus: Dilutive securities (in shares)	853,384	970,563	1,006,076
Weighted average shares used in diluted per share calculations (in shares)	69,017,209	73,152,010	77,654,764

Consolidated Statement Of Compr

Consolidated Statement Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net income	$ 65,744	$ (7,022)	$ 32,789	$ 50,044	$ 49,755	$ 140,297	$ 143,610	$ 137,245	$ 141,555	$ 470,907	$ 488,907
Other comprehensive (loss) income:
Change in unrealized gains on securities, net of taxes of $158,653, $(135,743), and $231,472, respectively									(297,639)	267,011	(455,808)
Change in other-than-temporary impairment gains, net of taxes of $2,240, $(90), and $(1,382), respectively									(4,160)	167	2,566
Change in foreign currency translation, net of taxes of $5,100, $2,745, and $8,162, respectively									(143,023)	(88,944)	(45,649)
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,091), $26,534, and $(51,302), respectively									7,604	(49,297)	95,318
Total other comprehensive (loss) income									(437,218)	128,937	(403,573)
Total comprehensive (loss) income									$ (295,663)	$ 599,844	$ 85,334

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net change in unrealized gains on securities, taxes	$ 158,653	$ (135,743)	$ 231,472
Net change in other-than-temporary impairment gains recognized in other comprehensive income, taxes	2,240	(90)	(1,382)
Net change in foreign currency translation, taxes	5,100	2,745	8,162
Amortization of pension and postretirement unrecognized net periodic benefit cost, taxes	$ (4,091)	$ 26,534	$ (51,302)

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income	Treasury Stock
Balance at Dec. 31, 2012	$ 5,185,366	$ 1,474	$ 3,052,454	$ 4,001,096	$ 830,403	$ (2,700,061)
Stock plan exercises	(13,806)	8	(13,814)
Stock plan compensation expense	50,004		50,004
Adjustments to Additional Paid in Capital, Income Tax Deficiency from Share-based Compensation	(1,111)		(1,111)
Dividends	(74,128)			(74,128)
Acquisition of common stock	(398,180)					(398,180)
Net income	488,907			488,907
Other comprehensive income (loss)	(403,573)				(403,573)
Balance at Dec. 31, 2013	4,833,479	1,482	3,087,533	4,415,875	426,830	(3,098,241)
Stock plan exercises	(20,505)	8	(20,513)
Stock plan compensation expense	49,354		49,354
Change in tax benefit from share-based payment arrangements	14,900		14,900
Dividends	(77,495)			(77,495)
Acquisition of common stock	(218,270)					(218,270)
Net income	470,907			470,907
Other comprehensive income (loss)	128,937				128,937
Balance at Dec. 31, 2014	5,181,307	1,490	3,131,274	4,809,287	555,767	(3,316,511)
Stock plan exercises	(17,564)	7	(17,571)
Stock plan compensation expense	38,773		38,773
Adjustments to Additional Paid in Capital, Income Tax Deficiency from Share-based Compensation	4,067		4,067
Dividends	(94,168)			(94,168)
Acquisition of common stock	(284,651)			0		(284,651)
Net income	141,555			141,555
Other comprehensive income (loss)	(437,218)				(437,218)
Balance at Dec. 31, 2015	$ 4,523,967	$ 1,497	$ 3,148,409	$ 4,856,674	$ 118,549	$ (3,601,162)

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)		Dec. 31, 2014USD ($)		Dec. 31, 2013USD ($)
Operating activities
Net income	$ 141,555		$ 470,907		$ 488,907
Adjustments to reconcile net income to net cash provided by operating activities:
Change in reinsurance recoverable	(155,703)		(471,232)		444,639
Change in premiums and accounts receivable	185,606		(292,241)		(210,997)
Change in deferred acquisition costs and value of business acquired	(234,676)		(227,628)		(337,060)
Change in other intangible assets	2,935		(13,801)		(56,997)
Change in accrued investment income	4,713		2,409		1,839
Change in insurance policy reserves and expenses	314,112		828,591		166,839
Change in accounts payable and other liabilities	(140,337)		266,648		181,374
Change in commissions payable	(35,914)		84,920		106,424
Change in reinsurance balances payable	(13,647)		49,940		6,214
Change in funds withheld under reinsurance	26,479		57,095		18,209
Change in securities classified as trading	15,291		(23,782)		(10,606)
Change in income taxes	(14,870)		62,087		171,311
Change in tax valuation allowance	(4,946)		1,690		3,383
Change in inventory associated with mobile business	(27,269)		(85,742)		(34,682)
Amortization of deferred gain on disposal of businesses	(12,988)		1,506		(16,310)
Depreciation and amortization	137,105		132,217		124,851
Net realized gains on investments	(31,826)		(60,783)		(34,525)
Loss on extinguishment of debt	0		0		964
(Gain)/Loss on business classified as held for sale	(1,121)		21,526		0
Stock based compensation expense	38,773		49,354		50,004
Income from real estate joint ventures	(23,550)		(17,826)		(5,573)
Change in tax benefit from share-based payment arrangements	4,067		(14,900)		1,112
Non cash costs associated with exit or disposal activities	140,084		0		0
Other intangible asset impairment	1,010		5,019		3,323
Changes in premium stabilization program receivables	(136,630)	[1]	(381,158)	[1]	0	[1]
Other	76,319		(51,000)		(35,082)
Net cash provided by operating activities	254,572		393,816		1,027,561
Sales of:
Fixed maturity securities available for sale	2,380,789		1,887,983		2,582,731
Equity securities available for sale	181,918		109,233		236,730
Other invested assets	68,465		74,257		49,456
Property and equipment and other	3,448		172		1,422
Subsidiary, net of cash transferred	49,906	[2]	0	[2]	0	[2]
Maturities, calls, prepayments, and scheduled redemption of:
Fixed maturity securities available for sale	665,554		791,528		882,159
Commercial mortgage loans on real estate	253,371		165,452		217,377
Purchases of:
Fixed maturity securities available for sale	(2,747,392)		(2,472,494)		(3,396,588)
Equity securities available for sale	(185,025)		(132,748)		(215,881)
Commercial mortgage loans on real estate	(149,003)		(156,390)		(194,468)
Other invested assets	(29,305)		(41,653)		(57,001)
Property and equipment and other	(114,896)		(83,603)		(52,326)
Subsidiary, net of cash transferred	(16,844)	[2]	(149,194)	[2]	(181,865)	[2]
Equity interest	0	[3]	(24,614)	[3]	(91,420)	[3]
Change in short-term investments	(196,747)		93,571		(173,603)
Change in policy loans	4,068		3,169		1,031
Change in collateral held/pledged under securities agreements	95,986		(780)		(492)
Net cash provided by (used in) investing activities	264,293		63,889		(392,738)
Financing activities
Issuance of debt	0		0		698,093
Repurchase of debt	0		0		(33,634)
Repayment of debt	0		(467,330)		0
Change in tax benefit from share-based payment arrangements	(4,067)		14,900		(1,112)
Acquisition of common stock	(292,906)		(215,183)		(393,012)
Dividends paid	(94,168)		(77,495)		(74,128)
Payment of contingent obligations	0	[4]	(31,871)	[4]	0	[4]
Change in obligation under securities agreements	(95,986)		780		492
Net cash (used in) provided by financing activities	(487,127)		(776,199)		196,699
Effect of exchange rate changes on cash and cash equivalents	(56,231)		(28,126)		(23,742)
Cash included in business classified as held for sale	(5,858)		(51,908)		0
Change in cash and cash equivalents	(30,351)		(398,528)		807,780
Cash and cash equivalents at beginning of period	1,318,656		1,717,184		909,404
Cash and cash equivalents at end of period	1,288,305		1,318,656		1,717,184
Supplemental information:
Income taxes paid	80,140		247,771		132,487
Interest paid on debt	$ 54,813		$ 68,875		$ 70,741
[1]	Represents non-cash items related to estimated receivables introduced by the Affordable Care Act. See the Affordable Care Act Risk Mitigation Programs section of Note 2 for additional information.
[2]	2015 includes the sale of American Reliable Insurance Co. and certain assets related to our vehicle title administration services business and supplemental and small group self-funded businesses; the acquisition of Coast to Coast Services, Inc. and Rent Collect Global. 2014 includes the acquisition of StreetLinks, LLC, eMortgage Logic, LLC, CWI Group and other immaterial subsidiaries. 2013 includes the acquisition of Field Asset Services Group Limited and Lifestyle Services Group Limited.
[3]	Relates to the purchase of equity interest in Iké Asistencia.
[4]	Relates to the delayed and contingent liability payments established at the time of acquisition of Lifestyle Services Group. Change in amount paid, in comparison to December 31, 2013 amount disclosed, is mainly due to foreign currency translation.

Nature Of Operations

Nature Of Operations	12 Months Ended
	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature Of Operations	Nature of Operations Assurant, Inc. (the “Company”) is a holding company whose subsidiaries provide specialty protection products and related services in North America, Latin America, Europe and other select worldwide markets. The Company is traded on the New York Stock Exchange under the symbol "AIZ." Through its operating subsidiaries, the Company provides mobile device protection products and services; extended service products and related services for consumer electronics, appliances and vehicles; pre-funded funeral insurance; lender-placed homeowners insurance; property preservation and valuation services; flood insurance; renters insurance and related products; debt protection administration; credit insurance; manufactured housing homeowners insurance; group dental insurance; group disability insurance; and group life insurance. As previously announced, the Company concluded a comprehensive review of its portfolio and decided to sharpen its focus on specialty housing and lifestyle protection products and services. As a result, the Company will exit the health insurance market and has signed a definitive agreement to sell its Assurant Employee Benefits segment. See Note 3 and Note 4, respectively, for more information.

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	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, per share amounts and number of securities in an unrealized loss position. Principles of Consolidation The consolidated financial statements include the accounts of the Company and all of its wholly owned subsidiaries. All inter-company transactions and balances are eliminated in consolidation. Variable Interest Entities The Company may enter into agreements with other entities that are deemed to be variable interest entities (“VIEs”). At the time these agreements are executed, the Company evaluates the applicability of the accounting guidance for VIEs. Entities which do not have sufficient equity at risk to allow the entity to finance its activities without additional financial support or in which the equity investors, as a group, do not have the characteristic of a controlling financial interest are referred to as VIEs. A VIE is consolidated by the variable interest holder that is determined to have the controlling financial interest (“primary beneficiary”) as a result of having both the power to direct the activities of a VIE that most significantly impact the VIE’s economic performance and the obligation to absorb losses or right to receive benefits from the VIE that could potentially be significant to the VIE. The Company determines whether it is the primary beneficiary of an entity subject to consolidation based on a qualitative assessment of the VIE’s capital structure, contractual terms, nature of the VIE’s operations and purpose and the Company’s relative exposure to the related risks of the VIE on the date it becomes initially involved in the VIE. The Company reassesses its VIE determination with respect to an entity on an ongoing basis. 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 Company’s 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 recorded. The Company believes all amounts reported are reasonable and adequate. During the fourth quarter of 2015, we identified and corrected errors that originated in prior periods and assessed the materiality of the errors using quantitative and qualitative factors. The errors primarily related to the overstatement of other assets associated with our mobile business inventory and the overstatement of accounts receivable associated with our legacy run-off warranty business. The correction of these errors resulted in a decrease to Assurant Solutions net income of $8,200 for the year ended December 31, 2015 and the fourth quarter of 2015. We performed both a qualitative and quantitative assessment of the materiality of the errors and concluded that the errors were not material to our financial position, results of operations or cash flows for any previously reported quarterly or annual financial statements or for the current period in which they were corrected. 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 Comprehensive income 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. Foreign Currency Translation For foreign affiliates where the local currency is the functional currency, unrealized foreign currency translation gains and losses net of deferred income taxes have been reflected in accumulated other comprehensive income (“AOCI”). Other than for two of our wholly owned Canadian subsidiaries, deferred taxes have not been provided for unrealized currency translation gains and losses since the Company intends to indefinitely reinvest the earnings in these other jurisdictions. Transaction gains and losses on assets and liabilities denominated in foreign currencies are recorded in underwriting, general and administration expenses in the consolidated statements of operations during the period in which they occur. Fair Value The Company uses an exit price for its fair value measurements. An exit price is defined as the amount received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. In measuring fair value, the Company gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 6 for further information. Investments Fixed maturity and equity securities are classified as available-for-sale, as defined in the investments guidance, and reported at fair value. If the fair value is higher than the amortized cost for fixed maturity securities or the cost for equity securities, the excess is an unrealized gain; and, if lower than cost, the difference is an unrealized loss. Net unrealized gains and losses on securities classified as available-for-sale, less deferred income taxes, are included in AOCI. Commercial mortgage loans on real estate are reported at unpaid balances, adjusted for amortization of premium or discount, less allowance for losses. The allowance is based on management’s analysis of factors including actual loan loss experience, specific events based on geographical, political or economic conditions, industry experience, loan groupings that have probable and estimable losses and individually impaired loan loss analysis. A loan is considered individually impaired when it becomes probable the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the loan agreement. Indicative factors of impairment include, but are not limited to, whether the loan is current, the value of the collateral and the financial position of the borrower. If a loan is individually impaired, the Company uses one of the following valuation methods based on the individual loans’ facts and circumstances to measure the impairment amount: (1) the present value of expected future cash flows, (2) the loan’s observable market price, or (3) the fair value of collateral. Changes in the allowance for loan losses are recorded in net realized losses on investments, excluding other-than-temporary impairment losses. The Company places loans on non-accrual status after 90 days of delinquent payments (unless the loans are both well secured and in the process of collection). A loan may be placed on non-accrual status before this time if information is available that suggests its impairment is probable. Policy loans are reported at unpaid principal balances, which do not exceed the cash surrender value of the underlying policies. Short-term investments include money market funds and short maturity investments. These amounts are reported at cost, which approximates fair value. As of December 31, 2015, the Company has terminated its securities lending program and there are no outstanding transactions. Prior to this date, the Company engaged in collateralized transactions in which fixed maturity securities, primarily bonds issued by the U.S. government, government agencies and authorities, and U.S. corporations, were loaned to selected broker/dealers. The collateral held under these securities lending transactions was reported at fair value and the obligation was reported at the amount of the collateral received. The difference between the collateral held and obligations under securities lending was recorded as an unrealized loss as part of AOCI. Other investments consist primarily of investments in joint ventures, partnerships, invested assets associated with a modified coinsurance arrangement, invested assets associated with the Assurant Investment Plan (“AIP”), ASIC and the Assurant Deferred Compensation Plan (“ADC”). The joint ventures and partnerships are valued according to the equity method of accounting. In applying the equity method, the Company uses financial information provided by the investee, generally on a three month lag. The invested assets related to the modified coinsurance arrangement, the AIP, ASIC and ADC are classified as trading securities as defined in the investment guidance. The Company monitors its investment portfolio to identify investments that may be other-than-temporarily impaired. In addition, securities, aggregated by issuer, whose market price is equal to 80% or less of their original purchase price or which had a discrete credit event resulting in the debtor defaulting or seeking bankruptcy protection are added to a potential write-down list, which is discussed at quarterly meetings attended by members of the Company’s investment, accounting and finance departments. See Note 5 for further information. Realized gains and losses on sales of investments are recognized on the specific identification basis. Investment income is recorded as earned and reported net of investment expenses. The Company uses the interest method to recognize interest income on its commercial mortgage loans. The Company anticipates prepayments of principal in the calculation of the effective yield for mortgage-backed securities and structured securities. The retrospective method is used to adjust the effective yield. Cash and Cash Equivalents The Company considers cash on hand, all operating cash and working capital cash to be cash equivalents. These amounts are carried at cost, which approximates fair value. Cash balances are reviewed at the end of each reporting period to determine if negative cash balances exist. If negative cash balances do exist, the cash accounts are netted with other positive cash accounts of the same bank provided the right of offset exists between the accounts. If the right of offset does not exist, the negative cash balances are reclassified to accounts payable. Uncollectible Receivable Balance The Company maintains allowances for doubtful accounts for probable losses resulting from the inability to collect payments. Reinsurance Reinsurance recoverables include amounts related to paid benefits and estimated amounts related to unpaid policy and contract claims, future policyholder benefits and policyholder contract deposits. The cost of reinsurance is recognized over the terms of the underlying reinsured policies using assumptions consistent with those used to account for the policies. Amounts recoverable from reinsurers are estimated in a manner consistent with claim and claim adjustment expense reserves or future policy benefits reserves and are reported in the consolidated balance sheets. The cost of reinsurance related to long-duration contracts is recognized over the life of the underlying reinsured policies. The ceding of insurance does not discharge the Company’s primary liability to insureds, thus a credit exposure exists to the extent that any reinsurer is unable to meet the obligation assumed in the reinsurance agreements. To mitigate this exposure to reinsurance insolvencies, the Company evaluates the financial condition of its reinsurers and holds collateral (in the form of funds withheld, trusts, and letters of credit) as security under the reinsurance agreements. An allowance for doubtful accounts is recorded on the basis of periodic evaluations of balances due from reinsurers (net of collateral), reinsurer solvency, management’s experience and current economic conditions. Funds withheld under reinsurance represent amounts contractually held from assuming companies in accordance with reinsurance agreements. Reinsurance premiums assumed are calculated based upon payments received from ceding companies together with accrual estimates, which are based on both payments received and in force policy information received from ceding companies. Any subsequent differences arising on such estimates are recorded in the period in which they are determined. Income Taxes Current federal income taxes are recognized based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year. Deferred income taxes are recorded for temporary differences between the financial reporting basis and income tax basis of assets and liabilities, based on enacted tax laws and statutory tax rates applicable to the periods in which the Company expects the temporary differences to reverse. A valuation allowance is established for deferred tax assets when it is more likely than not that an amount will not be realized. The Company classifies net interest expense related to tax matters and any applicable penalties as a component of income tax expense. Deferred Acquisition Costs Only direct incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs are deemed recoverable from future premiums or gross profits. Acquisition costs primarily consist of commissions and premium taxes. Certain direct response advertising expenses are deferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to the advertising and the direct response advertising results in probable future benefits. Premium deficiency testing is performed annually and generally reviewed quarterly. Such testing involves the use of best estimate assumptions including the anticipation of investment income to determine if anticipated future policy premiums are adequate to recover all DAC and related claims, benefits and expenses. To the extent a premium deficiency exists, it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in DAC. If the premium deficiency is greater than unamortized DAC, a liability is accrued for the excess deficiency. See Note 3 for further information on the premium deficiency reserve related to the exit of the health insurance market. Long Duration Contracts Acquisition costs for pre-funded funeral (“preneed”) life insurance policies issued prior to 2009 and certain life insurance policies no longer offered are deferred and amortized in proportion to anticipated premiums over the premium-paying period. These acquisition costs consist primarily of first year commissions paid to agents. Acquisition costs relating to group worksite insurance products consist primarily of first year commissions to brokers, costs of issuing new certificates and compensation to sales representatives. These acquisition costs are front-end loaded, thus they are deferred and amortized over the estimated terms of the underlying contracts. For preneed investment-type annuities, preneed life insurance policies with discretionary death benefit growth issued after January 1, 2009, universal life insurance policies, and investment-type annuities (no longer offered), DAC is amortized in proportion to the present value of estimated gross profits from investment, mortality, expense margins and surrender charges over the estimated life of the policy or contract. Estimated gross profits include the impact of unrealized gains or losses on investments as if these gains or losses had been realized, with corresponding credits or charges included in AOCI. The assumptions used for the estimates are consistent with those used in computing the policy or contract liabilities. Short Duration Contracts Acquisition costs relating to property contracts, warranty and extended service contracts and single premium credit insurance contracts are amortized over the term of the contracts in relation to premiums earned. Acquisition costs relating to monthly pay credit insurance business consist mainly of direct response advertising costs and are deferred and amortized over the estimated average terms and balances of the underlying contracts. Acquisition costs relating to group term life, group disability, group dental, and group vision consist primarily of compensation to sales representatives. These acquisition costs are front-end loaded; thus, they are deferred and amortized over the estimated terms of the underlying contracts. Property and Equipment Property and equipment are reported at cost less accumulated depreciation. Depreciation is calculated on a straight-line basis over estimated useful lives with a maximum of 39.5 years for buildings, a maximum of 7 years for furniture and a maximum of 5 years for equipment. Expenditures for maintenance and repairs are charged to income as incurred. Expenditures for improvements are capitalized and depreciated over the remaining useful life of the asset. Property and equipment also includes capitalized software costs, which represent costs directly related to obtaining, developing or upgrading internal use software. Such costs are capitalized and amortized using the straight-line method over their estimated useful lives, not to exceed 20 years. Property and equipment are assessed for impairment when impairment indicators exist. See Note 3 for further information on the impairment of long-lived assets related to the exit of the health insurance market. Goodwill Goodwill represents the excess of acquisition costs over the net fair value of identifiable assets acquired and liabilities assumed in a business combination. Goodwill is deemed to have an indefinite life and is not amortized, but rather is tested at least annually for impairment. We review our goodwill annually in the fourth quarter for impairment, or more frequently if indicators of impairment exist. We regularly assess whether any indicators of impairment exist. Such indicators include, but are not limited to: significant adverse change in legal factors, adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in our expected future cash flows due to changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment. When required, we test goodwill for impairment at the reporting unit level. Following the guidance on goodwill, we have concluded that our reporting units for goodwill testing are equivalent to our reported operating segments, excluding the Corporate and Other segment. At the time of the annual goodwill test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform the current two-step goodwill impairment test. The Company is required to perform step one if it determines qualitatively that it is more likely than not (that is, a likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying amount, including goodwill. Otherwise, no further testing is required. If the Company does not take the option to perform the qualitative assessment or the qualitative assessment performed indicates that it is more likely than not that the reporting unit’s fair value is less than the carrying value, the Company will then compare the estimated fair value of the reporting unit with its net book value (“Step 1”). If the estimated fair value exceeds its net book value, goodwill is deemed not to be impaired, and no further testing is necessary. If the net book value exceeds its estimated fair value, we perform a second test to measure the amount of impairment, if any. To determine the amount of any impairment, we determine the implied fair value of goodwill in the same manner as if the reporting unit were being acquired in a business combination (“Step 2”). Specifically, we determine the fair value of all of the assets and liabilities of the reporting unit, including any unrecognized intangible assets, in a hypothetical calculation that yields the implied fair value of goodwill. If the implied fair value of goodwill is less than the recorded goodwill, we record an impairment charge for the difference. In the fourth quarter 2015, the Company chose the option to first perform a qualitative assessment for both our Assurant Specialty Property and Assurant Solutions reporting units. Based on this assessment, the Company determined that it was more likely than not that the reporting units' fair value was more than their carrying amount, therefore further impairment testing was not necessary. In the fourth quarter of 2014, we performed a Step 1 test for both our Assurant Specialty Property and Assurant Solutions reporting units and concluded that the estimated fair value of the reporting units exceeded their respective book values and therefore goodwill was not impaired. For 2015 and 2014, the Assurant Employee Benefits and Assurant Health reporting units did not have goodwill. Value of Businesses Acquired VOBA is an identifiable intangible asset representing the value of the insurance businesses acquired. The amount is determined using best estimates for mortality, lapse, maintenance expenses and investment returns at date of purchase. The amount determined represents the purchase price paid to the seller for producing the business. Similar to the amortization of DAC, the amortization of VOBA is over the premium payment period for traditional life insurance policies and a small block of limited payment policies. For the remaining limited payment policies, preneed life insurance policies, all universal life policies and annuities, the amortization of VOBA is over the expected lifetime of the policies. VOBA is tested annually in the fourth quarter for recoverability. If it is determined that future policy premiums and investment income or gross profits are not adequate to cover related losses or loss expenses, then an expense is reported in current earnings. Based on 2015 and 2014 testing, future policy premiums and investment income or gross profits were deemed adequate to cover related losses or loss expenses. Other Assets Other assets consist primarily of investments in unconsolidated entities, inventory associated with our mobile protection business and prepaid items. The Company accounts for investments in unconsolidated entities using the equity method of accounting since the Company can exert significant influence over the investee, but does not have effective control over the investee. The Company’s equity in the net income (loss) from equity method investments is recorded as income (loss) with a corresponding increase (decrease) in the investment. Judgment regarding the level of influence over each equity method investee includes considering factors such as ownership interest, board representation and policy making decisions. In applying the equity method, the Company uses financial information provided by the investee, which may be received on a lag basis. Other Intangible Assets Other intangible assets that have finite lives, including but not limited to, customer contracts, customer relationships and marketing relationships, are amortized over their estimated useful lives. Other intangible assets deemed to have indefinite useful lives, primarily certain state licenses, are not amortized and are subject to at least annual impairment tests. At the time of the annual impairment test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform a quantitative impairment test for indefinite-lived intangible assets. Impairment exists if the carrying amount of the indefinite-lived other intangible asset exceeds its fair value. For other intangible assets with finite lives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the other intangible asset. Generally other intangible assets with finite lives are only tested for impairment if there are indicators (“triggers”) of impairment identified. Triggers include, but are not limited to, a significant adverse change in the extent, manner or length of time in which the other intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affect the value of the other intangible asset. In certain cases, the Company does perform an annual impairment test for other intangible assets with finite lives even if there are no triggers present. There were no material impairment charges related to finite-lived and indefinite-lived other intangible assets in 2015 or 2014. Amortization expense and impairment charges, if any, are included in underwriting, general and administrative expenses in the consolidated statements of operations. Separate Accounts Assets and liabilities associated with separate accounts relate to premium and annuity considerations for variable life and annuity products for which the contract-holder, rather than the Company, bears the investment risk. Separate account assets (with matching liabilities) are reported at fair value. Revenues and expenses related to the separate account assets and liabilities, to the extent of benefits paid or provided to the separate account policyholders, are excluded from the amounts reported in the accompanying consolidated statements of operations because the accounts are administered by reinsurers. Reserves Reserves are established in accordance with GAAP, using generally accepted actuarial methods. Factors used in their calculation include experience derived from historical claim payments and actuarial assumptions. Such assumptions and other factors include trends, the incidence of incurred claims, the extent to which all claims have been reported, and internal claims processing charges. The process used in computing reserves cannot be exact, particularly for liability coverages, since actual claim costs are dependent upon such complex factors as inflation, changes in doctrines of legal liabilities and damage awards. The methods of making such estimates and establishing the related liabilities are periodically reviewed and updated. Reserves do not represent an exact calculation of exposure, but instead represent our best estimates of what we expect the ultimate settlement and administration of a claim or group of claims will cost based on facts and circumstances known at the time of calculation. The adequacy of reserves may be impacted by future trends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events, including but not limited to: changes in the economic cycle, changes in the social perception of the value of work, emerging medical perceptions regarding physiological or psychological causes of disability, emerging health issues and new methods of treatment or accommodation, inflation, judicial trends, legislative changes and claims handling procedures. Many of these items are not directly quantifiable. Reserve estimates are refined as experience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which such estimates are updated. Because establishment of reserves is an inherently uncertain process involving estimates of future losses, there can be no certainty that ultimate losses will not exceed existing claims reserves. Future loss development could require reserves to be increased, which could have a material adverse effect on our earnings in the periods in which such increases are made. However, based on information currently available, we believe our reserve estimates are adequate. Long Duration Contracts The Company’s long duration contracts include preneed life insurance policies and annuity contracts, traditional life insurance policies no longer offered, universal life and annuities no longer offered, policies disposed of via reinsurance (Fortis Financial Group (“FFG”) and Long Term Care (“LTC”) contracts), group worksite policies, group life conversion policies and certain medical policies. Future policy benefits and expense reserves for LTC, certain life and annuity insurance policies no longer offered, a majority of individual medical policies issued prior to 2003, certain medical contracts issued from 2003 through 2006, the traditional life insurance contracts within FFG group worksite contracts and group life conversion policies are equal to the present value of future benefits to policyholders plus related expenses less the present value of the future net premiums. These amounts are estimated based on assumptions as to the expected investment yield, inflation, mortality, morbidity and withdrawal rates as well as other assumptions that are based on the Company’s experience. These assumptions reflect anticipated trends and include provisions for possible unfavorable deviations. Future policy benefits and expense reserves for preneed investment-type annuities, preneed life insurance policies with discretionary death benefit growth issued after 2008, universal life insurance policies and investment-type annuity contracts (no longer offered), and the variable life insurance and investment-type annuity contracts in FFG consist of policy account balances before applicable surrender charges and certain deferred policy initiation fees that are being recognized in income over the terms of the policies. Policy benefits charged to expense during the period include amounts paid in excess of policy account balances and interest credited to policy account balances. An unearned revenue reserve is also recorded for those preneed life insurance contracts which represents the balance of the excess of gross premiums over net premiums that is still to be recognized in future years’ income in a constant relationship to estimated gross profits. Future policy benefits and expense reserves for preneed life insurance contracts issued prior to 2009 are reported at the present value of future benefits to policyholders and related expenses less the present value of future net premiums. Reserve assumptions are selected using best estimates for expected investment yield, inflation, mortality and withdrawal rates. These assumptions reflect current trends, are based on Company experience and include provision for possible unfavorable deviation. An unearned revenue reserve is also recorded for these contracts which represents the balance of the excess of gross premiums over net premiums that is still to be recognized in future years’ income in a constant relationship to insurance in force. Reserves for group worksite policies also include case reserves and incurred but not reported (“IBNR”) reserves which equal the net present value of the expected future claims payments. Worksite group disability reserves are discounted to the valuation date at the valuation interest rate. The valuation interest rate is reviewed quarterly by taking into consideration actual and expected earned rates on our asset portfolio. Changes in the estimated liabilities are reported as a charge or credit to policyholder benefits as the estimates are revised. Short Duration Contracts The Company’s short duration contracts include group term life contracts, group disability contracts, medical contracts, dental contracts, vision contracts, property and warranty contracts, credit life and disability contracts and extended service contrac

Reorganization

Reorganization	12 Months Ended
	Dec. 31, 2015
Restructuring and Related Activities [Abstract]
Reorganization	Reorganization On June 7, 2015, the Company concluded its comprehensive review of strategic alternatives for the Assurant Health business segment and decided to sharpen its focus on housing and lifestyle specialty protection products and services. The Company has begun a process to wind down its major medical operations and expects to substantially complete its exit from the health insurance market by the end of 2016. As part of this process, Assurant reinsured its supplemental and small-group self-funded lines of business and sold certain legal entities to National General Holdings Corp. ("National General"), effective October 1, 2015. The following table presents information regarding exit-related charges: Severance and retention Long-lived asset impairments and contract and lease terminations Other transaction costs Total Balance at January 1, 2015 $ — $ — $ — $ — Charges 14,435 22,307 4,996 41,738 Non-cash adjustment — (21,247 ) (2,947 ) (24,194 ) Cash payments — — — — Balance at June 30, 2015 $ 14,435 $ 1,060 $ 2,049 $ 17,544 Charges 20,927 13 5,795 26,735 Cash payments (10,728 ) (168 ) (4,338 ) (15,234 ) Balance at September 30, 2015 $ 24,634 $ 905 $ 3,506 $ 29,045 Charges 16,344 17 795 17,156 Cash payments (4,413 ) (152 ) (3,808 ) (8,373 ) Balance at December 31, 2015 $ 36,565 $ 770 $ 493 $ 37,828 Amount expected to be incurred $ 82,038 $ 27,651 $ 11,586 $ 121,275 Premium deficiency reserves $ 169,101 Total amount expected to be incurred $ 290,376 Amounts in the above table are included in underwriting, general and administrative expenses on the Consolidated Statements of Operations. The total amount expected to be incurred is an estimate that is subject to change as facts and circumstances evolve. For instance, severance and retention estimates could change if employees previously identified for separation resign from the Company before the date through which they are required to be employed in order to receive severance and retention benefits. The premium deficiency reserve liability decreased $91,054 from $169,101 at September 30, 2015 to $78,047 at December 31, 2015. The $91,054 decrease is consistent with the estimate established at September 30, 2015. Future cash payments, for these exit-related charges, are expected to be substantially complete by 2016.

Dispositions

Dispositions	12 Months Ended
	Dec. 31, 2015
Discontinued Operations and Disposal Groups [Abstract]
Dispositions	Dispositions On October 7, 2015, the Company sold certain assets related to the Assurant Specialty Property’s automobile title administration services business for cash consideration of $19,600 . The Company recognized a gain on sale of $16,773 in the fourth quarter 2015, which is classified in fees and other income on the Consolidated Statements of Operations. On October 1, 2015, the Company completed the sale of Assurant Health’s supplemental and small-group self-funded lines of business and certain assets to National General Holdings Corp. ("National General"), for cash consideration of $14,000 , consisting primarily of a ceding commission. Since the form of sale did not discharge the Company’s primary liability to the insureds, a $5,336 gain on the disposal of the small-group self-funded business was deferred and reported as a liability as of the date of sale. The liability is decreased and recognized as revenue over the estimated life of contract terms. The Company will review and evaluate the estimates affecting the deferred gain annually or when significant information affecting the estimates becomes known to the Company, and will adjust the revenue recognized accordingly. Losses resulting from coinsurance transactions are recognized immediately, thus in the fourth quarter 2015 the Company recognized a loss of $11,587 , primarily related to the write-off of deferred acquisition costs, on the sale of the supplemental business. The loss on sale is classified in underwriting, general and administrative expenses on the Consolidated Statements of Operations. In the third quarter of 2015, the Company recognized a tax benefit related to the sale of these legal entities. See Note 8 for more information on the tax benefit. On September 9, 2015, the Company entered into a Master Transaction Agreement with Sun Life Assurance Company of Canada, a subsidiary of Sun Life Financial Inc., to sell its Assurant Employee Benefits segment for cash consideration of approximately $940,000 consisting primarily of a ceding commission. The sale structure includes the following: coinsurance agreements, with related trust accounts, for the insurance business; stock sale for certain legal entities; administrative agreement for certain non-insurance contracts; and asset sale of certain software and fixed assets. The transaction is subject to regulatory approvals and other customary closing conditions and is expected to close in the first quarter of 2016. The assets and liabilities related to the coinsurance agreements do not qualify as held for sale. The sale of the legal entities and other non-insurance assets and liabilities meets the criteria for held for sale accounting as of December 31, 2015. As of December 31, 2015, the divested legal entities and other non-insurance assets and liabilities had assets of $83,004 (primarily consisting of $35,920 of investments and cash and cash equivalents, $17,312 of premiums and accounts receivable, $19,368 of property and equipment, and $8,674 of other intangible assets) and liabilities of $14,923 (primarily consisting of $13,622 of accounts payable and other liabilities). These assets and liabilities are classified as held for sale and are included in other assets and accounts payable and other liabilities in the Company’s Consolidated Balance Sheets, respectively. In January 2015, the Company completed the sale of its general agency business and primary insurance carrier, American Reliable Insurance Company (“ARIC”), to Global Indemnity Group, Inc., a subsidiary of Global Indemnity plc, for $117,860 in net cash consideration. The business was part of the Assurant Specialty Property segment and offers specialty personal lines and agricultural insurance through general and independent agents. The sale price was based on the GAAP book value of the business from June 30, 2014 adjusted as of January 1, 2015. In accordance with held for sale accounting, the Company recorded a loss of $21,526 for the period ended December 31, 2014. Upon final settlement, the Company recorded gains (losses) of $5,284 and $(4,164) for the three months ended March 31, 2015 and June 30, 2015, respectively. The $1,120 net gain recorded on the sale is classified in underwriting, general and administrative expenses on the Consolidated Statements of Operations. As of December 31, 2014, the divested business had assets, excluding goodwill, of $441,942 (primarily consisting of $199,097 fixed maturity securities, $48,695 cash and cash equivalents, $26,186 premiums and accounts receivable, $105,603 reinsurance recoverables and $25,055 deferred acquisition costs) and liabilities of $321,820 (primarily consisting of $172,235 unearned premiums, $72,645 claims and benefits payable and $54,949 funds held under reinsurance). These assets and liabilities are classified as held for sale and are included in other assets and accounts payable and other liabilities in the Company’s Consolidated Balance Sheets, respectively. The loss associated with the divested business of $21,526 includes a $15,451 goodwill write-off and is classified in underwriting, general and administrative expenses on the Consolidated Statements of Operations.

Investments

Investments	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investments	Investments The following tables show the cost or amortized cost, gross unrealized gains and losses, fair value and other-than-temporary impairment ("OTTI") of the Company's fixed maturity and equity securities as of the dates indicated: December 31, 2015 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value OTTI in AOCI (a) Fixed maturity securities: United States Government and government agencies and authorities $ 150,681 $ 3,891 $ (537 ) $ 154,035 $ — States, municipalities and political subdivisions 647,335 48,389 (94 ) 695,630 — Foreign governments 497,785 65,188 (723 ) 562,250 — Asset-backed 3,499 1,367 (204 ) 4,662 1,285 Commercial mortgage-backed 22,169 352 — 22,521 — Residential mortgage-backed 953,247 48,676 (3,409 ) 998,514 15,343 Corporate 7,196,079 677,549 (95,912 ) 7,777,716 17,885 Total fixed maturity securities $ 9,470,795 $ 845,412 $ (100,879 ) $ 10,215,328 $ 34,513 Equity securities: Common stocks $ 13,048 $ 6,623 $ (7 ) $ 19,664 $ — Non-redeemable preferred stocks 437,515 45,495 (2,617 ) 480,393 — Total equity securities $ 450,563 $ 52,118 $ (2,624 ) $ 500,057 $ — December 31, 2014 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value OTTI in AOCI (a) Fixed maturity securities: United States Government and government agencies and authorities $ 172,070 $ 5,201 $ (429 ) $ 176,842 $ — States, municipalities and political subdivisions 703,167 67,027 (353 ) 769,841 — Foreign governments 591,981 74,339 (1,457 ) 664,863 — Asset-backed 3,917 1,680 (78 ) 5,519 1,570 Commercial mortgage-backed 44,907 1,109 — 46,016 — Residential mortgage-backed 911,004 58,876 (1,154 ) 968,726 17,732 Corporate 7,621,054 1,026,927 (16,614 ) 8,631,367 21,612 Total fixed maturity securities $ 10,048,100 $ 1,235,159 $ (20,085 ) $ 11,263,174 $ 40,914 Equity securities: Common stocks $ 22,300 $ 15,651 $ (1 ) $ 37,950 $ — Non-redeemable preferred stocks 412,575 50,975 (2,093 ) 461,457 — Total equity securities $ 434,875 $ 66,626 $ (2,094 ) $ 499,407 $ — (a) Represents the amount of OTTI recognized in accumulated other comprehensive income ("AOCI"). Amount includes unrealized gains and losses on impaired securities relating to changes in the value of such securities subsequent to the impairment measurement date. The Company's states, municipalities and political subdivisions holdings are highly diversified across the U.S. and Puerto Rico, with no individual state’s exposure (including both general obligation and revenue securities) exceeding 0.5% of the overall investment portfolio as of December 31, 2015 and 2014. At December 31, 2015 and 2014, the securities include general obligation and revenue bonds issued by states, cities, counties, school districts and similar issuers, including $319,654 and $270,107 , respectively, of advance refunded or escrowed-to-maturity bonds (collectively referred to as “pre-refunded bonds”), which are bonds for which an irrevocable trust has been established to fund the remaining payments of principal and interest. As of December 31, 2015 and 2014, revenue bonds account for 50% and 51% of the holdings, respectively. Excluding pre-refunded revenue bonds, the activities supporting the income streams of the Company’s revenue bonds are across a broad range of sectors, primarily highway, water, transit, airport and marina, higher education, specifically pledged tax revenues, and other miscellaneous sources such as bond banks, finance authorities and appropriations. The Company’s investments in foreign government fixed maturity securities are held mainly in countries and currencies where the Company has policyholder liabilities, which allow the assets and liabilities to be more appropriately matched. At December 31, 2015, approximately 79% , 8% , and 5% of the foreign government securities were held in the Canadian government/provincials and the governments of Brazil and Germany, respectively. At December 31, 2014, approximately 76% , 10% and 5% of the foreign government securities were held in the Canadian government/provincials and the governments of Brazil and Germany, respectively. No other country represented more than 3% of the Company's foreign government securities as of December 31, 2015 and 2014. The Company has European investment exposure in its corporate fixed maturity and equity securities of $888,923 with a net unrealized gain of $67,957 at December 31, 2015 and $1,060,655 with a net unrealized gain of $116,975 at December 31, 2014. Approximately 25% and 22% of the corporate European exposure is held in the financial industry at December 31, 2015 and 2014, respectively. The Company's largest European country exposure represented approximately 5% of the fair value of the Company's corporate securities as of December 31, 2015 and 2014. Approximately 6% of the fair value of the corporate European securities are pound and euro-denominated and are not hedged to U.S. dollars, but held to support those foreign-denominated liabilities. The Company's international investments are managed as part of the overall portfolio with the same approach to risk management and focus on diversification. The Company has exposure to the energy sector in its corporate fixed maturity securities of $779,720 with a net unrealized loss of $6,985 at December 31, 2015 and $992,012 with a net unrealized gain of $89,590 at December 31, 2014. Approximately 89% of the energy exposure is rated as investment grade as of December 31, 2015 and 2014. The cost or amortized cost and fair value of fixed maturity securities at December 31, 2015 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 $ 324,097 $ 327,824 Due after one year through five years 1,904,357 1,984,818 Due after five years through ten years 2,121,934 2,171,426 Due after ten years 4,141,492 4,705,563 Total 8,491,880 9,189,631 Asset-backed 3,499 4,662 Commercial mortgage-backed 22,169 22,521 Residential mortgage-backed 953,247 998,514 Total $ 9,470,795 $ 10,215,328 Major categories of net investment income were as follows: Years Ended December 31, 2015 2014 2013 Fixed maturity securities $ 486,165 $ 522,309 $ 530,144 Equity securities 29,957 28,014 27,013 Commercial mortgage loans on real estate 72,658 73,959 76,665 Policy loans 2,478 2,939 3,426 Short-term investments 2,033 1,950 2,156 Other investments 37,759 34,527 20,573 Cash and cash equivalents 18,416 18,556 14,679 Total investment income 649,466 682,254 674,656 Investment expenses (23,249 ) (25,825 ) (24,360 ) Net investment income $ 626,217 $ 656,429 $ 650,296 No material investments of the Company were non-income producing for the years ended December 31, 2015, 2014 and 2013. The following table summarizes the proceeds from sales of available-for-sale securities and the gross realized gains and gross realized losses that have been included in earnings as a result of those sales. For the Years Ended December 31, 2015 2014 2013 Proceeds from sales $ 2,568,166 $ 1,995,368 $ 2,821,177 Gross realized gains 65,097 69,184 81,921 Gross realized losses 31,657 10,681 50,667 For securities sold at a loss during 2015, the average period of time these securities were trading continuously at a price below book value was approximately 6 months . The following table sets forth the net realized gains (losses), including other-than-temporary impairments, recognized in the statement of operations as follows: Years Ended December 31, 2015 2014 2013 Net realized gains (losses) related to sales and other: Fixed maturity securities $ 13,322 $ 54,200 $ 14,579 Equity securities 19,016 6,190 19,789 Commercial mortgage loans on real estate 817 532 2,515 Other investments 3,695 (109 ) 2,029 Total net realized gains related to sales and other 36,850 60,813 38,912 Net realized losses related to other-than-temporary impairments: Fixed maturity securities (5,024 ) (30 ) (3,295 ) Other investments — — (1,092 ) Total net realized losses related to other-than-temporary impairments (5,024 ) (30 ) (4,387 ) Total net realized gains $ 31,826 $ 60,783 $ 34,525 Other-Than-Temporary Impairments The Company follows the OTTI guidance, which requires entities to separate an OTTI of a debt security into two components when there are credit related losses associated with the impaired debt security for which the Company asserts that it does not have the intent to sell, and it is more likely than not that it will not be required to sell before recovery of its cost basis. Under the OTTI guidance, the amount of the OTTI related to a credit loss is recognized in earnings, and the amount of the OTTI related to other, non-credit factors ( e.g. , interest rates, market conditions, etc.) is recorded as a component of other comprehensive income. In instances where no credit loss exists but the Company intends to sell the security or it is more likely than not that the Company will have to sell the debt security prior to the anticipated recovery, the decline in market value below amortized cost is recognized as an OTTI in earnings. In periods after the recognition of an OTTI on debt securities, the Company accounts for such securities as if they had been purchased on the measurement date of the OTTI at an amortized cost basis equal to the previous amortized cost basis less the OTTI recognized in earnings. For debt securities for which OTTI was recognized in earnings, the difference between the new amortized cost basis and the cash flows expected to be collected will be accreted or amortized into net investment income. For the twelve months ended December 31, 2015 and 2014, the Company recorded $7,212 and $69 , respectively, of OTTI, of which $5,024 and $30 was related to credit losses and recorded as net OTTI losses recognized in earnings, with the remaining amounts of $2,188 and $39 , respectively, related to all other factors and was recorded as an unrealized loss component of AOCI. The following table sets forth the amount of credit loss impairments recognized within the results of operations on fixed maturity securities held by the Company as of the dates indicated, for which a portion of the OTTI loss was recognized in AOCI, and the corresponding changes in such amounts. Years Ended December 31, 2015 2014 2013 Balance, beginning of year $ 35,424 $ 45,278 $ 95,589 Additions for credit loss impairments recognized in the current period on securities previously impaired — 30 107 Additions for credit loss impairments recognized in the current period on securities not previously impaired 2,621 — — Reductions for increases in cash flows expected to be collected that are recognized over the remaining life of the security (2,398 ) (5,248 ) (1,851 ) Reductions for credit loss impairments previously recognized on securities which matured, paid down, prepaid or were sold during the period (3,270 ) (4,636 ) (48,567 ) Balance, end of year $ 32,377 $ 35,424 $ 45,278 The Company regularly monitors its investment portfolio to ensure investments that may be other-than-temporarily impaired are timely identified, properly valued, and charged against earnings in the proper period. The determination that a security has incurred an other-than-temporary decline in value requires the judgment of management. Assessment factors include, but are not limited to, the length of time and the extent to which the market value has been less than cost, the financial condition and rating of the issuer, whether any collateral is held, the intent and ability of the Company to retain the investment for a period of time sufficient to allow for recovery for equity securities and the intent to sell or whether it is more likely than not that the Company will be required to sell for fixed maturity securities. Inherently, there are risks and uncertainties involved in making these judgments. Changes in circumstances and critical assumptions such as a continued weak economy, a more pronounced economic downturn or unforeseen events which affect one or more companies, industry sectors, or countries could result in additional impairments in future periods for other-than-temporary declines in value. Any equity security whose price decline is deemed other-than-temporary is written down to its then current market value with the amount of the impairment reported as a realized loss in that period. The impairment of a fixed maturity security that the Company has the intent to sell or that it is more likely than not that the Company will be required to sell is deemed other-than-temporary and is written down to its market value at the balance sheet date with the amount of the impairment reported as a realized loss in that period. For all other-than-temporarily impaired fixed maturity securities that do not meet either of these two criteria, the Company is required to analyze its ability to recover the amortized cost of the security by calculating the net present value of projected future cash flows. For these other-than-temporarily impaired fixed maturity securities, the net amount recognized in earnings is equal to the difference between the amortized cost of the fixed maturity security and its net present value. The Company considers different factors to determine the amount of projected future cash flows and discounting methods for corporate debt and residential and commercial mortgage-backed or asset-backed securities. For corporate debt securities, the split between the credit and non-credit losses is driven principally by assumptions regarding the amount and timing of projected future cash flows. The net present value is calculated by discounting the Company’s best estimate of projected future cash flows at the effective interest rate implicit in the security at the date of acquisition. For residential and commercial mortgage-backed and asset-backed securities, cash flow estimates, including prepayment assumptions, are based on data from widely accepted third-party data sources or internal estimates. In addition to prepayment assumptions, cash flow estimates vary based on assumptions regarding the underlying collateral including default rates, recoveries and changes in value. The net present value is calculated by discounting the Company’s best estimate of projected future cash flows at the effective interest rate implicit in the fixed maturity security prior to impairment at the balance sheet date. The discounted cash flows become the new amortized cost basis of the fixed maturity security. In periods subsequent to the recognition of an OTTI, the Company generally accretes the discount (or amortizes the reduced premium) into net investment income, up to the non-discounted amount of projected future cash flows, resulting from the reduction in cost basis, based upon the amount and timing of the expected future cash flows over the estimated period of cash flows. The investment category and duration of the Company’s gross unrealized losses on fixed maturity securities and equity securities at December 31, 2015 and 2014 were as follows: December 31, 2015 Less than 12 months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Fixed maturity securities: United States Government and government agencies and authorities $ 90,008 $ (465 ) $ 5,564 $ (72 ) $ 95,572 $ (537 ) States, municipalities and political subdivisions 6,881 (94 ) — — 6,881 (94 ) Foreign governments 24,071 (347 ) 22,239 (376 ) 46,310 (723 ) Asset-backed — — 1,136 (204 ) 1,136 (204 ) Residential mortgage-backed 260,620 (3,179 ) 11,147 (230 ) 271,767 (3,409 ) Corporate 1,636,457 (85,247 ) 54,029 (10,665 ) 1,690,486 (95,912 ) Total fixed maturity securities $ 2,018,037 $ (89,332 ) $ 94,115 $ (11,547 ) $ 2,112,152 $ (100,879 ) Equity securities: Common stock $ 623 $ (7 ) $ — $ — $ 623 $ (7 ) Non-redeemable preferred stocks 63,665 (1,632 ) 13,806 (985 ) 77,471 (2,617 ) Total equity securities $ 64,288 $ (1,639 ) $ 13,806 $ (985 ) $ 78,094 $ (2,624 ) December 31, 2014 Less than 12 months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Fixed maturity securities: United States Government and government agencies and authorities $ 34,551 $ (188 ) $ 21,488 $ (241 ) $ 56,039 $ (429 ) States, municipalities and political subdivisions 3,050 (282 ) 4,633 (71 ) 7,683 (353 ) Foreign governments 19,886 (67 ) 37,741 (1,390 ) 57,627 (1,457 ) Asset-backed — — 1,348 (78 ) 1,348 (78 ) Residential mortgage-backed 22,337 (71 ) 61,682 (1,083 ) 84,019 (1,154 ) Corporate 640,641 (13,132 ) 113,918 (3,482 ) 754,559 (16,614 ) Total fixed maturity securities $ 720,465 $ (13,740 ) $ 240,810 $ (6,345 ) $ 961,275 $ (20,085 ) Equity securities: Common stock $ — $ — $ 196 $ (1 ) $ 196 $ (1 ) Non-redeemable preferred stocks 8,844 (264 ) 24,784 (1,829 ) 33,628 (2,093 ) Total equity securities $ 8,844 $ (264 ) $ 24,980 $ (1,830 ) $ 33,824 $ (2,094 ) Total gross unrealized losses represent approximately 5% and 2% of the aggregate fair value of the related securities at December 31, 2015 and 2014, respectively. Approximately 88% and 63% of these gross unrealized losses have been in a continuous loss position for less than twelve months at December 31, 2015 and 2014, respectively. The total gross unrealized losses are comprised of 884 and 385 individual securities at December 31, 2015 and 2014, respectively. In accordance with its policy described above, the Company concluded that for these securities an adjustment to its results of operations for other-than-temporary impairments of the gross unrealized losses was not warranted at December 31, 2015 and 2014. These conclusions were based on a detailed analysis of the underlying credit and expected cash flows of each security. As of December 31, 2015, the gross unrealized losses that have been in a continuous loss position for twelve months or more were concentrated in the Company’s corporate fixed maturity securities and in non-redeemable preferred stocks. The non-redeemable preferred stocks are perpetual preferred securities that have characteristics of both debt and equity securities. To evaluate these securities, the Company applies an impairment model similar to that used for the Company's fixed maturity securities. As of December 31, 2015, the Company did not intend to sell these securities and it was not more likely than not that the Company would be required to sell them and no underlying cash flow issues were noted. Therefore, the Company did not recognize an OTTI on those perpetual preferred securities that had been in a continuous unrealized loss position for twelve months or more. As of December 31, 2015, the Company did not intend to sell the fixed maturity securities and it was not more likely than not that the Company would be required to sell the securities before the anticipated recovery of their amortized cost basis. The gross unrealized losses are primarily attributable to widening credit spreads associated with an underlying shift in overall credit risk premium. The cost or amortized cost and fair value of available-for-sale fixed maturity securities in an unrealized loss position at December 31, 2015, by contractual maturity, is shown below: Cost or Amortized Cost Fair Value Due in one year or less $ 52,077 $ 51,667 Due after one year through five years 469,320 459,930 Due after five years through ten years 754,402 720,632 Due after ten years 660,716 607,020 Total 1,936,515 1,839,249 Asset-backed 1,340 1,136 Residential mortgage-backed 275,176 271,767 Total $ 2,213,031 $ 2,112,152 The Company has exposure to sub-prime and related mortgages within the Company's fixed maturity security portfolio. At December 31, 2015, approximately 2% of the residential mortgage-backed holdings had exposure to sub-prime mortgage collateral. This represented less than 1% of the total fixed income portfolio and approximately 2% of the total unrealized gain position. Of the securities with sub-prime exposure, approximately 9% are rated as investment grade. All residential mortgage-backed securities, including those with sub-prime exposure, are reviewed as part of the ongoing other-than-temporary impairment monitoring process. The Company has entered into commercial mortgage loans, collateralized by the underlying real estate, on properties located throughout the U.S. and Canada. At December 31, 2015, approximately 41% of the outstanding principal balance of commercial mortgage loans was concentrated in the states of California, New York, and Oregon. Although the Company has a diversified loan portfolio, an economic downturn could have an adverse impact on the ability of its debtors to repay their loans. The outstanding balance of commercial mortgage loans range in size from $17 to $14,625 at December 31, 2015 and from $77 to $15,190 at December 31, 2014. Credit quality indicators for commercial mortgage loans are loan-to-value and debt-service coverage ratios. Loan-to-value and debt-service coverage ratios are measures commonly used to assess the credit quality of commercial mortgage loans. The loan-to-value ratio compares the principal amount of the loan to the fair value of the underlying property collateralizing the loan, and is commonly expressed as a percentage. The debt-service coverage ratio compares a property’s net operating income to its debt-service payments and is commonly expressed as a ratio. The loan-to-value and debt-service coverage ratios are generally updated annually in the third quarter. The following summarizes the Company's loan-to-value and average debt-service coverage ratios as of the dates indicated: December 31, 2015 Loan-to-Value Carrying Value % of Gross Mortgage Loans Debt-Service Coverage Ratio 70% and less $ 1,101,572 95.5 % 2.01 71 – 80% 39,080 3.4 % 1.19 81 – 95% 8,370 0.7 % 1.05 Greater than 95% 4,816 0.4 % 3.52 Gross commercial mortgage loans 1,153,838 100.0 % 1.98 Less valuation allowance (2,582 ) Net commercial mortgage loans $ 1,151,256 December 31, 2014 Loan-to-Value Carrying Value % of Gross Mortgage Loans Debt-Service Coverage Ratio 70% and less $ 1,168,454 91.6 % 2.01 71 – 80% 73,762 5.8 % 1.26 81 – 95% 27,268 2.1 % 1.04 Greater than 95% 6,531 0.5 % 0.43 Gross commercial mortgage loans 1,276,015 100.0 % 1.94 Less valuation allowance (3,399 ) Net commercial mortgage loans $ 1,272,616 All commercial mortgage loans that are individually impaired have an established mortgage loan valuation allowance for losses. An additional valuation allowance is established for incurred, but not specifically identified impairments. Changing economic conditions affect the Company's valuation of commercial mortgage loans. Changing vacancies and rents are incorporated into the discounted cash flow analysis that the Company performs for monitored loans and may contribute to the establishment of (or an increase or decrease in) a commercial mortgage loan valuation allowance for losses. In addition, the Company continues to monitor the entire commercial mortgage loan portfolio to identify risk. Areas of emphasis are properties that have exposure to specific geographic events, have deteriorating credits or have experienced a reduction in debt-service coverage ratio. Where warranted, the Company has established or increased a valuation allowance based upon this analysis. The commercial mortgage loan valuation allowance for losses was $2,582 and $3,399 at December 31, 2015 and 2014, respectively. In 2015 and 2014, the loan valuation allowance was decreased $817 and $1,083 , respectively, due to changing economic conditions and geographic concentrations. At December 31, 2015, the Company had mortgage loan commitments outstanding of approximately $6,350 . The Company is also committed to fund additional capital contributions of $28,607 to partnerships. The Company has short term investments and fixed maturities of $441,851 and $519,659 at December 31, 2015 and 2014, respectively, on deposit with various governmental authorities as required by law. The Company utilizes derivative instruments on a limited basis to limit interest rate, foreign exchange and inflation risks and bifurcates the options on certain securities where the option is not clearly and closely related to the host instrument. The derivatives do not qualify under GAAP as effective hedges; therefore, they are marked-to-market on a quarterly basis and the gain or loss is recognized in the statement of operations in fees and other income, underwriting, general and administrative expenses, and realized gains (losses). As of December 31, 2015 and 2014, amounts related to derivative assets were $6,715 and $9,040 , respectively, while derivative liabilities were $27,689 and $25,303 , respectively, all of which are included in the consolidated balance sheets. The loss recorded in the results of operations totaled $5,298 , $7,453 and $703 for the years ended December 31, 2015, 2014 and 2013, respectively. Variable Interest Entities A VIE is a legal entity which does not have sufficient equity at risk to allow the entity to finance its activities without additional financial support or in which the equity investors, as a group, do not have the characteristic of a controlling financial interest. The Company's investments in VIE's include private equity limited partnerships and real estate joint ventures. These investments are generally accounted for under the equity method and included in the consolidated balance sheets in other investments. The Company's maximum exposure to loss with respect to these investments is limited to the investment carrying amounts reported in the Company's consolidated balance sheet in addition to any required unfunded commitments. As of December 31, 2015, the Company's maximum exposure to loss is $56,781 in recorded carrying value and $28,607 in unfunded commitments. Collateralized Transactions As of December 31, 2015, the Company has terminated its securities lending program and there are no outstanding transactions. In the past, the Company lent fixed maturity securities, primarily bonds issued by the U.S. government and government agencies and authorities, and U.S. corporations, to selected broker/dealers. All such loans were negotiated on an overnight basis; term loans were not permitted. The Company received collateral, greater than or equal to 102% of the fair value of the securities lent, plus accrued interest, in the form of cash and cash equivalents held by a custodian bank for the benefit of the Company. The use of cash collateral received was unrestricted. The Company reinvested the cash collateral received, generally in investments of high credit quality that are designated as available-for-sale. The Company monitored the fair value of securities loaned and the collateral received, with additional collateral obtained, as necessary. The Company was subject to the risk of loss on the re-investment of cash collateral. As of December 31, 2014, the Company’s collateral held under securities lending agreements, of which its use was unrestricted, was $95,985 , and is included in the consolidated balance sheets under the collateral held/pledged under securities agreements. The Company’s liability to the borrower for collateral received was $95,986 , and is included in the consolidated balance sheets under the obligation under securities agreements. The difference between the collateral held and obligations under securities lending is recorded as an unrealized gain (loss) and is included as part of AOCI. The Company included the available-for-sale investments purchased with the cash collateral in its evaluation of other-than-temporary impairments. Cash proceeds that the Company received as collateral for the securities it lent and subsequent repayment of the cash are regarded by the Company as cash flows from financing activities, since the cash received was considered a borrowing. Since the Company reinvested the cash collateral generally in investments that were designated as available-for-sale, the reinvestment is presented as cash flows from investing activities.

Fair Value Disclosures

Fair Value Disclosures	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value Disclosures Fair Values, Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures The fair value measurements and disclosures guidance defines fair value and establishes a framework for measuring fair value. 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 (Level 1) and the lowest priority to unobservable inputs (Level 3). The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, 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 measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and takes into account factors specific to the asset or liability. The levels of the fair value hierarchy are described below: • Level 1 inputs utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company can access. • 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. • 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 management’s own assumptions about the assumptions a market participant would use in pricing the asset. The Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the observability of valuation inputs may result in a reclassification of levels for certain securities within the fair value hierarchy. The following tables present the Company’s fair value hierarchy for assets and liabilities measured at fair value on a recurring basis as of December 31, 2015 and 2014. The amounts presented below for Collateral held/pledged under securities agreements, Other investments, Cash equivalents, Other assets, Assets and Liabilities held in separate accounts and Other liabilities differ from the amounts presented in the consolidated balance sheets because only certain investments or certain assets and liabilities within these line items are measured at estimated fair value. Other investments are comprised of investments in the Assurant Investment Plan, American Security Insurance Company Investment Plan, Assurant Deferred Compensation Plan, a modified coinsurance arrangement and other derivatives. Other liabilities are comprised of investments in the Assurant Investment Plan and other derivatives. The fair value amount and the majority of the associated levels presented for Other investments and Assets and Liabilities held in separate accounts are received directly from third parties. December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Fixed maturity securities: United States Government and government agencies and authorities $ 154,035 $ — $ 154,035 $ — State, municipalities and political subdivisions 695,630 — 695,630 — Foreign governments 562,250 944 561,306 — Asset-backed 4,662 — 4,662 — Commercial mortgage-backed 22,521 — 22,317 204 Residential mortgage-backed 998,514 — 998,514 — Corporate 7,777,716 — 7,714,570 63,146 Equity securities: Common stocks 19,664 18,981 683 — Non-redeemable preferred stocks 480,393 — 478,143 2,250 Short-term investments 508,950 453,335 b 55,615 c — Other investments 253,708 62,076 a 189,407 c 2,225 d Cash equivalents 908,936 907,248 b 1,688 c — Other assets 1,320 — 886 e 434 e Assets held in separate accounts 1,750,556 1,570,000 a 180,556 c — Total financial assets $ 14,138,855 $ 3,012,584 $ 11,058,012 $ 68,259 Financial Liabilities Other liabilities $ 89,765 $ 62,076 a $ 6 e $ 27,683 e Liabilities related to separate accounts 1,750,556 1,570,000 a 180,556 c — Total financial liabilities $ 1,840,321 $ 1,632,076 $ 180,562 $ 27,683 December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Fixed maturity securities: United States Government and government agencies and authorities $ 176,842 $ — $ 176,842 $ — State, municipalities and political subdivisions 769,841 — 769,841 — Foreign governments 664,863 757 664,106 — Asset-backed 5,519 — 5,519 — Commercial mortgage-backed 46,016 — 45,613 403 Residential mortgage-backed 968,726 — 964,081 4,645 Corporate 8,631,367 — 8,527,092 104,275 Equity securities: Common stocks 37,950 37,266 684 — Non-redeemable preferred stocks 461,457 — 459,457 2,000 Short-term investments 345,246 266,980 b 78,266 c — Collateral held/pledged under securities agreements 74,985 67,783 b 7,202 c — Other investments 272,755 59,358 a 211,276 c 2,121 d Cash equivalents 683,142 635,804 b 47,338 c — Other assets 1,674 — 867 e 807 e Assets held in separate accounts 1,854,193 1,682,671 a 171,522 c — Total financial assets $ 14,994,576 $ 2,750,619 $ 12,129,706 $ 114,251 Financial Liabilities Other liabilities $ 84,660 $ 59,358 a $ 69 e $ 25,233 e Liabilities related to separate accounts 1,854,193 1,682,671 a 171,522 c — Total financial liabilities $ 1,938,853 $ 1,742,029 $ 171,591 $ 25,233 a. Mainly includes mutual funds. b. Mainly includes money market funds. c. Mainly includes fixed maturity securities. d. Mainly includes fixed maturity securities and other derivatives. e. Mainly includes derivatives. There were no transfers between Level 1 and Level 2 financial assets during 2015 or 2014. However, there were transfers between Level 2 and Level 3 financial assets in 2015 and 2014, which are reflected in the “Transfers in” and “Transfers out” columns below. Transfers between Level 2 and Level 3 most commonly occur from changes in the availability of observable market information and re-evaluation of the observability of pricing inputs. Any remaining unpriced securities are submitted to independent brokers who provide non-binding broker quotes or are priced by other qualified sources. The following tables summarize the change in balance sheet carrying value associated with Level 3 financial assets and liabilities carried at fair value during the years ended December 31, 2015 and 2014: Year Ended December 31, 2015 Balance, beginning of period Total (losses) gains (realized/ unrealized) included in earnings (1) Net unrealized (losses) gains included in other comprehensive income (2) Purchases Sales Transfers in (3) Transfers out (3) Balance, end of period Financial Assets Fixed Maturity Securities Commercial mortgage-backed $ 403 $ — $ (11 ) $ — $ (188 ) $ — $ — $ 204 Residential mortgage-backed 4,645 1 (104 ) 9,721 — — (14,263 ) — Corporate 104,275 591 (3,620 ) 6,523 (7,167 ) 30,302 (67,758 ) 63,146 Equity Securities Non-redeemable preferred stocks 2,000 — 250 — — — — 2,250 Other investments 2,121 34 (42 ) — (124 ) 236 — 2,225 Other assets 807 (373 ) — — — — — 434 Financial Liabilities Other liabilities (25,233 ) (2,450 ) — 77 (77 ) — — (27,683 ) Total level 3 assets and liabilities $ 89,018 $ (2,197 ) $ (3,527 ) $ 16,321 $ (7,556 ) $ 30,538 $ (82,021 ) $ 40,576 Year Ended December 31, 2014 Balance, beginning of period Total (losses) gains (realized/ unrealized) included in earnings (1) Net unrealized (losses) gains included in other comprehensive income (2) Purchases Sales Transfers in (3) Transfers out (3) Balance, end of period Financial Assets Fixed Maturity Securities States, municipalities and political subdivisions $ 22,657 $ — $ — $ — $ — $ — $ (22,657 ) $ — Foreign governments 16,857 (2 ) 18 — — — (16,873 ) — Commercial mortgage-backed 598 — (18 ) — (177 ) — — 403 Residential mortgage-backed 4,167 — (78 ) 4,723 — — (4,167 ) 4,645 Corporate 115,344 2,438 1,546 23,578 (16,958 ) 1,515 (23,188 ) 104,275 Equity Securities Non-redeemable preferred stocks 7,510 562 (517 ) — (3,779 ) — (1,776 ) 2,000 Other investments 4,171 (2,174 ) 10 440 (128 ) — (198 ) 2,121 Other assets 2,491 (1,684 ) — — — — — 807 Financial Liabilities Other liabilities (20,330 ) (822 ) — (4,081 ) — — — (25,233 ) Total level 3 assets and liabilities $ 153,465 $ (1,682 ) $ 961 $ 24,660 $ (21,042 ) $ 1,515 $ (68,859 ) $ 89,018 (1) Included as part of net realized gains on investments in the consolidated statement of operations. (2) Included as part of change in unrealized gains on securities in the consolidated statement of comprehensive income. (3) Transfers are primarily attributable to changes in the availability of observable market information and re-evaluation of the observability of pricing inputs. Three different valuation techniques can be used in determining fair value for financial assets and liabilities: the market, income or cost approaches. The three valuation techniques described in the fair value measurements and disclosures guidance are consistent with generally accepted valuation methodologies. The market approach valuation techniques use prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. When possible, quoted prices (unadjusted) in active markets are used as of the period-end date (such as for mutual funds and money market funds). Otherwise, the Company uses valuation techniques consistent with the market approach including matrix pricing and comparables. Matrix pricing is a mathematical technique employed principally to value debt securities without relying exclusively on quoted prices for those securities but, rather, relying on the securities’ relationship to other benchmark quoted securities. Market approach valuation techniques often use market multiples derived from a set of comparables. Multiples might lie in ranges with a different multiple for each comparable. The selection of where within the range the appropriate multiple falls requires judgment, considering both qualitative and quantitative factors specific to the measurement. Income approach valuation techniques convert future amounts, such as cash flows or earnings, to a single present amount, or a discounted amount. These techniques rely on current market expectations of future amounts as of the period-end date. Examples of income approach valuation techniques include present value techniques, option-pricing models, binomial or lattice models that incorporate present value techniques and the multi-period excess earnings method. Cost approach valuation techniques are based upon the amount that would be required to replace the service capacity of an asset at the period-end date, or the current replacement cost. That is, from the perspective of a market participant (seller), the price that would be received for the asset is determined based on the cost to a market participant (buyer) to acquire or construct a substitute asset of comparable utility, adjusted for obsolescence. While not all three approaches are applicable to all financial assets or liabilities, where appropriate, the Company may use one or more valuation techniques. For all the classes of financial assets and liabilities included in the above hierarchy, excluding certain derivatives and certain privately placed corporate bonds, the Company generally uses the market valuation technique. For certain privately placed corporate bonds and certain derivatives, the Company generally uses the income valuation technique. For the periods ended December 31, 2015 and 2014, the application of the valuation technique applied to the Company’s classes of financial assets and liabilities has been consistent. Level 1 Securities The Company’s investments and liabilities classified as Level 1 as of December 31, 2015 and 2014, consisted of mutual funds and money market funds, foreign government fixed maturities and common stocks that are publicly listed and/or actively traded in an established market. Level 2 Securities The Company values Level 2 securities using various observable market inputs obtained from a pricing service. The pricing service prepares estimates of fair value measurements for the Company’s Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observable market inputs. The fair value measurements and disclosures guidance defines observable market inputs as the assumptions market participants would use in pricing the asset or liability developed on market data obtained from sources independent of the Company. The extent of the use of each observable market input for a security depends on the type of security and the market conditions at the balance sheet date. Depending on the security, the priority of the use of observable market inputs may change as some observable market inputs may not be relevant or additional inputs may be necessary. The Company uses the following observable market inputs (“standard inputs”), listed in the approximate order of priority, in the pricing evaluation of Level 2 securities: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data including market research data. Further details for Level 2 investment types follow: United States Government and government agencies and authorities: U.S. government and government agencies and authorities securities are priced by the Company’s pricing service utilizing standard inputs. Included in this category are U.S. Treasury securities which are priced using vendor trading platform data in addition to the standard inputs. State, municipalities and political subdivisions: State, municipalities and political subdivisions securities are priced by the Company’s pricing service using material event notices and new issue data inputs in addition to the standard inputs. Foreign governments: Foreign government securities are primarily fixed maturity securities denominated in Canadian dollars which are priced by the Company’s pricing service using standard inputs. The pricing service also evaluates each security based on relevant market information including relevant credit information, perceived market movements and sector news. Commercial mortgage-backed, residential mortgage-backed and asset-backed: Commercial mortgage-backed, residential mortgage-backed and asset-backed securities are priced by the Company’s pricing service using monthly payment information and collateral performance information in addition to the standard inputs. Additionally, commercial mortgage-backed securities and asset-backed securities utilize new issue data while residential mortgage-backed securities utilize vendor trading platform data. Corporate: Corporate securities are priced by the Company’s pricing service using standard inputs. Non-investment grade securities within this category are priced by the Company’s pricing service using observations of equity and credit default swap curves related to the issuer in addition to the standard inputs. Certain privately placed corporate bonds are priced by a non-pricing service source using a model with observable inputs including, but not limited to, the credit rating, credit spreads, sector add-ons, and issuer specific add-ons. Non-redeemable preferred stocks: Non-redeemable preferred stocks are priced by the Company’s pricing service using observations of equity and credit default swap curves related to the issuer in addition to the standard inputs. Short-term investments, collateral held/pledged under securities agreements, other investments, cash equivalents, and assets/liabilities held in separate accounts: To price the fixed maturity securities in these categories, the pricing service utilizes the standard inputs. Valuation models used by the pricing service can change period to period, depending on the appropriate observable inputs that are available at the balance sheet date to price a security. When market observable inputs are unavailable to the pricing service, the remaining unpriced securities are submitted to independent brokers who provide non-binding broker quotes or are priced by other qualified sources. If the Company cannot corroborate the non-binding broker quotes with Level 2 inputs, these securities are categorized as Level 3 securities. Level 3 Securities The Company’s investments classified as Level 3 as of December 31, 2015 and 2014 consisted of fixed maturity and equity securities and derivatives. All of the Level 3 fixed maturity and equity securities are priced using non-binding broker quotes which cannot be corroborated with Level 2 inputs. Of the Company’s total Level 3 fixed maturity and equity securities, $304 and $63,614 were priced by a pricing service using single broker quotes due to insufficient information to provide an evaluated price as of December 31, 2015 and 2014, respectively. The single broker quotes are provided by market makers or broker-dealers who are recognized as market participants in the markets in which they are providing the quotes. The remaining $65,600 and $47,923 were priced internally using independent and non-binding broker quotes as of December 31, 2015 and 2014, respectively. The inputs factoring into the broker quotes include trades in the actual bond being priced, trades of comparable bonds, quality of the issuer, optionality, structure and liquidity. Significant changes in interest rates, issuer credit, liquidity, and overall market conditions would result in a significantly lower or higher broker quote. The prices received from both the pricing service and internally are reviewed for reasonableness by management and if necessary, management works with the pricing service or broker to further understand how they developed their price. Further details on Level 3 derivative investment types follow: Other investments and other liabilities: The Company prices swaptions using a Black-Scholes pricing model incorporating third-party market data, including swap volatility data. The Company prices credit default swaps using non-binding quotes provided by market makers or broker-dealers who are recognized as market participants. Inputs factored into the non-binding quotes include trades in the actual credit default swap which is being priced, trades in comparable credit default swaps, quality of the issuer, structure and liquidity. The net option related to the investment in Iké is valued using an income approach; specifically, a Monte Carlo simulation option pricing model. The inputs to the model include, but are not limited to, the projected normalized earnings before interest, tax, depreciation, and amortization (EBITDA) and free cash flow for the underlying asset, the discount rate, and the volatility of and the correlation between the normalized EBITDA and the value of the underlying asset. Significant increases (decreases) in the projected normalized EBITDA relative to the value of the underlying asset in isolation would result in a significantly higher (lower) fair value. Other assets: A non-pricing service source prices certain derivatives using a model with inputs including, but not limited to, the time to expiration, the notional amount, the strike price, the forward rate, implied volatility and the discount rate. Management evaluates the following factors in order to determine whether the market for a financial asset is inactive. The factors include, but are not limited to: • There are few recent transactions, • Little information is released publicly, • The available prices vary significantly over time or among market participants, • The prices are stale (i.e., not current), and • The magnitude of the bid-ask spread. Illiquidity did not have a material impact in the fair value determination of the Company’s financial assets. The Company generally obtains one price for each financial asset. The Company performs a monthly analysis to assess if the evaluated prices represent a reasonable estimate of their fair value. This process involves quantitative and qualitative analysis and is overseen by investment and accounting professionals. Examples of procedures performed include, but are not limited to, initial and on-going review of pricing service methodologies, review of the prices received from the pricing service, review of pricing statistics and trends, and comparison of prices for certain securities with two different appropriate price sources for reasonableness. Following this analysis, the Company generally uses the best estimate of fair value based upon all available inputs. On infrequent occasions, a non-pricing service source may be more familiar with the market activity for a particular security than the pricing service. In these cases the price used is taken from the non-pricing service source. The pricing service provides information to indicate which securities were priced using market observable inputs so that the Company can properly categorize the Company’s financial assets in the fair value hierarchy. For the net option, the Company performs a periodic analysis to assess if the evaluated price represents a reasonable estimate of the fair value for the financial liability. This process involves quantitative and qualitative analysis overseen by finance and accounting professionals. Examples of procedures performed include, but are not limited to, initial and on-going review of the pricing methodology and review of the projection for the underlying asset including the probability distribution of possible scenarios. Disclosures for Non-Financial Assets Measured at Fair Value on a Non-Recurring Basis The Company also measures the fair value of certain assets on a non-recurring basis, generally on an annual basis, or when events or changes in circumstances indicate that the carrying amount of the assets may not be recoverable. These assets include commercial mortgage loans, goodwill and finite-lived intangible assets. For its 2015 fourth quarter annual goodwill impairment tests, a qualitative assessment was performed for the Assurant Solutions and Assurant Specialty Property reporting units. Based on these assessments, it was determined that it was not necessary to perform a Step 1 quantitative goodwill impairment test for the Assurant Solutions and Assurant Specialty Property reporting units and that it is more-likely-than-not that the fair value of each reporting unit continues to exceed its net book value at year-end 2015. For its 2014 fourth quarter annual goodwill impairment test, the Company performed a Step 1 analysis for the Assurant Solutions and Assurant Specialty Property reporting units. Based on these analyses, it was determined that goodwill was not impaired at either reporting unit. The Company utilized both the income and market valuation approaches to measure the fair value of its reporting units. Under the income approach, the Company determined the fair value of the reporting units considering distributable earnings, which were estimated from operating plans. The resulting cash flows were then discounted using a market participant weighted average cost of capital estimated for the reporting units. After discounting the future discrete earnings to their present value, the Company estimated the terminal value attributable to the years beyond the discrete operating plan period. The discounted terminal value was then added to the aggregate discounted distributable earnings from the discrete operating plan period to estimate the fair value of the reporting units. Under the market approach, the Company derived the fair value of the reporting units based on various financial multiples, including but not limited to: price to tangible book value of equity, price to estimated 2013 earnings and price to estimated 2014 earnings, which were estimated based on publicly available data related to comparable guideline companies. In addition, financial multiples were also estimated from publicly available purchase price data for acquisitions of companies operating in the insurance industry. The estimated fair value of the reporting units was more heavily weighted towards the income approach because in that economic environment the earnings capacity of a business was generally considered the most important factor in the valuation of a business enterprise. This fair value determination was categorized as Level 3 (unobservable) in the fair value hierarchy. See Note 11 for further information. There was no remaining goodwill or material other intangible assets measured at fair value on a non-recurring basis on which an impairment charge was recorded as of December 31, 2015, 2014 and 2013. Fair Value of Financial Instruments Disclosures The financial instruments guidance requires disclosure of fair value information about financial instruments, as defined therein, for which it is practicable to estimate such fair value. Therefore, it requires fair value disclosure for financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets. However, this guidance excludes certain financial instruments, including those related to insurance contracts and those accounted for under the equity method and joint ventures guidance (such as real estate joint ventures). For the financial instruments included within the following financial assets and financial liabilities, the carrying value in the consolidated balance sheets equals or approximates fair value. Please refer to the Fair Value Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures section above for more information on the financial instruments included within the following financial assets and financial liabilities and the methods and assumptions used to estimate fair value: • Cash and cash equivalents • Fixed maturity securities • Equity securities • Short-term investments • Collateral held/pledged under securities agreements • Other investments • Other assets • Assets held in separate accounts • Other liabilities • Liabilities related to separate accounts In estimating the fair value of the financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets, the Company used the following methods and assumptions: Commercial mortgage loans : the fair values of mortgage loans are estimated using discounted cash flow models. The model inputs include mortgage amortization schedules and loan provisions, an internally developed credit spread based on the credit risk associated with the borrower and the U.S. Treasury spot curve. Mortgage loans with similar characteristics are aggregated for purposes of the calculations. Policy loans: the carrying value of policy loans reported in the consolidated balance sheets approximates fair value. Other investments: Other investments include equity investments accounted for under the cost method, real estate held for sale, Certified Capital Company and low income housing tax credits, business debentures, credit tenant loans and social impact loans which are recorded at cost or amortized cost. The carrying value reported for these investments approximates fair value. Due to the nature of these investments, there is a lack of liquidity in the primary market which results in the holdings being classified as Level 3. Policy reserves under investment products : the fair values for the Company’s policy reserves under investment products are determined using discounted cash flow analysis. Key inputs to the valuation include projections of policy cash flows, reserve run-off, market yields and risk margins. Funds held under reinsurance: the carrying value reported approximates fair value due to the short maturity of the instruments. Debt: the fair value of debt is based upon matrix pricing performed by the pricing service utilizing the standard inputs. Obligation under securities agreements: obligation under securities agreements is reported at the amount of cash received from the selected broker/dealers. The following tables disclose the carrying value, fair value amount and hierarchy level of the financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets: December 31, 2015 Fair Value Carrying Value Total Level 1 Level 2 Level 3 Financial Assets Commercial mortgage loans on real estate $ 1,151,256 $ 1,201,806 $ — $ — $ 1,201,806 Policy loans 43,858 43,858 43,858 — — Other investments 27,534 27,534 — — 27,534 Total financial assets $ 1,222,648 $ 1,273,198 $ 43,858 $ — $ 1,229,340 Financial Liabilities Policy reserves under investment products (Individual and group annuities, subject to discretionary withdrawal) (1) $ 666,068 $ 676,586 $ — $ — $ 676,586 Funds withheld under reinsurance 94,417 94,417 94,417 — — Debt 1,171,382 1,250,602 — 1,250,602 — Total financial liabilities $ 1,931,867 $ 2,021,605 $ 94,417 $ 1,250,602 $ 676,586 December 31, 2014 Fair Value Carrying Value Total Level 1 Level 2 Level 3 Financial Assets Commercial mortgage loans on real estate $ 1,272,616 $ 1,448,215 — — $ 1,448,215 Policy loans 48,272 48,272 48,272 — — Other investments 10,896 10,896 — — 10,896 Total financial assets $ 1,331,784 $ 1,507,383 $ 48,272 — $ 1,459,111 Financial Liabilities Policy reserves under investment products (Individual and group annuities, subject to discretionary withdrawal) (1) $ 743,951 $ 764,949 — — $ 764,949 Funds withheld under reinsurance 75,161 75,161 75,161 — — Debt 1,171,079 1,296,139 — 1,296,139 — Obligations under securities agreements 95,986 95,986 95,986 — — Total financial liabilities $ 2,086,177 $ 2,232,235 $ 171,147 $ 1,296,139 $ 764,949 (1) Only the fair value of the Company’s policy reserves for investment-type contracts (those without significant mortality or morbidity risk) is reflected in the table above.

Premiums And Accounts Receivabl

Premiums And Accounts Receivable	12 Months Ended
	Dec. 31, 2015
Premiums Receivable Disclosure [Abstract]
Premiums And Accounts Receivable	Premiums and Accounts Receivable Receivables are reported net of an allowance for uncollectible amounts. A summary of such receivables is as follows: As of December 31, 2015 2014 Insurance premiums receivable $ 1,092,136 $ 1,275,440 Other receivables 196,277 201,758 Allowance for uncollectible amounts (27,696 ) (31,568 ) Total $ 1,260,717 $ 1,445,630

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	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 domestic and foreign pre-tax income as well as current and deferred tax expense follows: Years Ended December 31, 2015 2014 2013 Pre-tax income: Domestic $ 126,797 $ 632,738 $ 716,172 Foreign 74,384 111,399 73,527 Total pre-tax income $ 201,181 $ 744,137 $ 789,699 Years Ended December 31, 2015 2014 2013 Current expense: Federal & state $ 40,643 $ 162,483 $ 129,204 Foreign 22,851 46,593 35,188 Total current expense 63,494 209,076 164,392 Deferred expense (benefit): Federal & state 173 72,645 131,336 Foreign (4,041 ) (8,491 ) 5,064 Total deferred (benefit) expense (3,868 ) 64,154 136,400 Total income tax expense $ 59,626 $ 273,230 $ 300,792 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 Company’s effective income tax rate follows: December 31, 2015 2014 2013 Federal income tax rate: 35.0 % 35.0 % 35.0 % Reconciling items: Non-taxable investment income (6.8 ) (1.9 ) (1.7 ) Foreign earnings (a) (5.2 ) (2.2 ) 1.1 Non deductible compensation 9.1 3.8 3.4 Non deductible health insurer fee 6.9 1.1 — Sale of subsidiary (8.0 ) — — Other (1.4 ) 0.9 0.3 Effective income tax rate: 29.6 % 36.7 % 38.1 % (a) Results for all years primarily include tax expense (benefit) associated with the earnings of certain non-U.S. subsidiaries that are deemed reinvested indefinitely and realization of foreign tax credits for certain other subsidiaries. In addition, 2015 reflects a 6.5% benefit related to a Latin American reorganization and 2014 reflects a 2.6% benefit related to the conversion of Canadian branch operations of certain U.S. companies to foreign corporate entities. A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31, 2015, 2014 and 2013 is as follows: Years Ended December 31, 2015 2014 2013 Balance at beginning of year $ (6,262 ) $ (10,322 ) $ (11,515 ) Additions based on tax positions related to the current year (30,712 ) (2,940 ) (309 ) Reductions based on tax positions related to the current year 102 581 995 Additions for tax positions of prior years (2,128 ) (1,037 ) (1,090 ) Reductions for tax positions of prior years 1,990 2,495 959 Settlements — 4,961 638 Balance at end of year $ (37,010 ) $ (6,262 ) $ (10,322 ) The total unrecognized tax benefit of $35,618 , $7,631 , and $12,510 for 2015, 2014, and 2013, respectively, which includes interest, would impact the Company’s consolidated effective tax rate if recognized. The liability for unrecognized tax benefits is included in tax receivable and accounts payable and other liabilities on the consolidated balance sheets. The Company’s continuing practice is to recognize interest expense related to income tax matters in income tax expense. During the years ended December 31, 2015, 2014 and 2013, the Company recognized approximately $169 , $246 and $375 , respectively, of interest expense related to income tax matters. The Company had $1,733 and $1,730 , and $4,500 of interest accrued as of December 31, 2015, 2014 and 2013, respectively. No penalties have been accrued. The Company does not anticipate any significant increase or decrease of unrecognized tax benefit within the next 12 months. The Company and its subsidiaries file income tax returns in the U.S. and various state and foreign jurisdictions. The Company has substantially concluded all U.S. federal income tax matters for years through 2011. Substantially all non-U.S. income tax matters have been concluded for the years through 2009, and all state and local income tax matters have been concluded for the years through 2009. The tax effects of temporary differences that result in significant deferred tax assets and deferred tax liabilities are as follows: December 31, 2015 2014 Deferred Tax Assets Policyholder and separate account reserves $ 568,053 $ 498,231 Accrued liabilities 32,257 23,183 Investments, net 140,785 168,061 Net operating loss carryforwards 40,479 50,103 Deferred gain on disposal of businesses 32,362 35,347 Compensation related 28,289 24,029 Employee and post-retirement benefits 115,904 111,716 Unearned fee income 50,931 55,765 Other 48,548 40,584 Total deferred tax asset 1,057,608 1,007,019 Less valuation allowance (13,218 ) (18,164 ) Deferred tax assets, net of valuation allowance 1,044,390 988,855 Deferred Tax Liabilities Deferred acquisition costs (931,630 ) (867,212 ) Net unrealized appreciation on securities (262,075 ) (435,375 ) Total deferred tax liability (1,193,705 ) (1,302,587 ) Net deferred income tax liability $ (149,315 ) $ (313,732 ) The net deferred tax liability of $149,315 as of December 31, 2015 is comprised of $177,748 deferred tax liabilities and $28,433 deferred tax assets, by jurisdiction. Similarly, the net deferred tax liability of $313,732 as of December 31, 2014 is comprised of $341,290 deferred tax liabilities and $27,558 deferred tax assets, by jurisdiction. The Company’s valuation allowance against deferred tax assets decreased $4,946 to $13,218 at December 31, 2015 from $18,164 at December 31, 2014. A cumulative valuation allowance of $13,218 has been recorded because it is management’s assessment that it is more likely than not that only $1,044,390 of deferred tax assets will be realized. The valuation allowance relates to the deferred tax assets attributable to certain international subsidiaries. The Company’s ability to realize deferred tax assets depends on its ability to generate sufficient taxable income of the same character within the carryback or carryforward periods. In assessing future taxable income, the Company considered all sources of taxable income available to realize its deferred tax asset, including the future reversal of existing temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income in carryback years and tax-planning strategies. If changes occur in the assumptions underlying the Company’s tax planning strategies or in the scheduling of the reversal of the Company’s deferred tax liabilities, the valuation allowance may need to be adjusted in the future. Other than for certain wholly owned Canadian subsidiaries, deferred taxes have not been provided on the undistributed earnings of wholly owned foreign subsidiaries since the Company intends to indefinitely reinvest the earnings in these other jurisdictions. The cumulative amount of undistributed earnings for which the Company has not provided deferred income taxes is $198,325 . Upon distribution of such earnings in a taxable event, the Company would incur additional U.S. income taxes of $21,285 , net of anticipated foreign tax credits. At December 31, 2015, the Company and its subsidiaries had $163,722 of net operating loss carryforwards in certain foreign subsidiaries that will expire if unused as follows: Expiration Year Amount 2016 - 2020 $ 31,205 2021 - 2025 7,436 2026 - 2030 4,140 2031 - 2035 19,200 Unlimited 101,741 $ 163,722

Deferred Acquisition Costs

Deferred Acquisition Costs	12 Months Ended
	Dec. 31, 2015
Deferred Policy Acquisition Costs Disclosures [Abstract]
Deferred Acquisition Costs	Deferred Acquisition Costs Information about deferred acquisition costs is as follows: December 31, 2015 2014 2013 Beginning balance $ 2,957,740 $ 3,128,931 $ 2,861,163 Costs deferred and other (1) 1,587,453 1,306,390 1,729,613 Amortization (1,394,259 ) (1,477,581 ) (1,461,845 ) Ending balance $ 3,150,934 $ 2,957,740 $ 3,128,931 (1) Includes foreign currency translation, the adjustment previously disclosed in 2014 and the reclassification of assets held for sale as described in Note 4.

Property And Equipment

Property And Equipment	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property And Equipment	Property and Equipment Property and equipment consists of the following: As of December 31, 2015 2014 Land $ 14,884 $ 14,359 Buildings and improvements 262,769 258,680 Furniture, fixtures and equipment 478,717 519,146 Total 756,370 792,185 Less accumulated depreciation (457,956 ) (514,540 ) Total $ 298,414 $ 277,645 Depreciation expense for 2015, 2014 and 2013 amounted to $47,439 , $47,670 and $50,652 , respectively. Depreciation expense is included in underwriting, general and administrative expenses in the consolidated statements of operations.

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Goodwill The Company has assigned goodwill to its operating segments for impairment testing purposes. The Corporate and Other segment is not assigned goodwill. Below is a roll forward of goodwill by reportable segment. Solutions (1) Specialty Property Health Employee Benefits Consolidated Balance at December 31, 2013 Goodwill $ 1,757,140 $ 288,360 $ 204,303 $ 185,078 $ 2,434,881 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) 496,201 288,360 — — 784,561 Acquisitions 51,574 28,677 — — 80,251 Dispositions — (15,451 ) — — (15,451 ) Foreign currency translation and other (8,122 ) — — — (8,122 ) Balance at December 31, 2014 Goodwill 1,800,592 301,586 204,303 185,078 2,491,559 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) 539,653 301,586 — — 841,239 Acquisitions 2,520 5,365 — — 7,885 Dispositions — (2,532 ) — — (2,532 ) Foreign currency translation and other (13,080 ) — — — (13,080 ) Balance at December 31, 2015 Goodwill 1,790,032 304,419 204,303 185,078 2,483,832 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) $ 529,093 $ 304,419 $ — $ — $ 833,512 (1) 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 the goodwill guidance, goodwill is deemed to have an indefinite life and should not be amortized, but rather must be tested, at least annually, for impairment. In addition, goodwill should be tested for impairment between annual tests if an event occurs or circumstances change that would “more likely than not” reduce the estimated fair value of the reporting unit below its carrying value. The goodwill impairment test has two steps. Step 1 of the test identifies potential impairments at the reporting unit level, which for the Company is the same as our operating segments, by comparing the estimated fair value of each reporting unit to its net book value. If the estimated fair value of a reporting unit exceeds its net book value, there is no impairment of goodwill and Step 2 is unnecessary. However, if the net book value exceeds the estimated fair value, then Step 1 is failed, and Step 2 is performed to determine the amount of the potential impairment. Step 2 utilizes acquisition accounting guidance and requires the fair value calculation of all individual assets and liabilities of the reporting unit (excluding goodwill, but including any unrecognized intangible assets). The net fair value of assets less liabilities is then compared to the reporting unit’s total estimated fair value as calculated in Step 1. The excess of fair value over the net asset value equals the implied fair value of goodwill. The implied fair value of goodwill is then compared to the carrying value of goodwill to determine the reporting unit’s goodwill impairment. Alternatively, the amended intangibles- goodwill and other guidance provides the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If, after assessing the totality of events or circumstances, an entity determines it is not more likely than not that the fair value of a reporting unit is less than its carrying amount, then performing the two-step impairment test is unnecessary. However, if an entity concludes otherwise, then it is required to perform the first step of the two-step impairment test, described above. In the fourth quarters of 2015, 2014 and 2013, the Company conducted its annual assessments of goodwill. During the year ended December 31, 2014, the Company changed its annual testing date from November 30 to October 1. With respect to its annual goodwill testing date, management believes that this voluntary change in accounting method is preferable as it better aligns the annual impairment testing date with the Company’s strategic planning cycle, which is a significant element in the testing process. This change in annual testing date did not delay, accelerate or avoid an impairment charge. In 2015 for both Assurant Solutions and Assurant Specialty Property reporting units and in 2013 for the Assurant Specialty Property reporting unit, the Company chose the option to perform a qualitative assessment under the amended intangibles - goodwill and other guidance. The Company performed a Step 1 test for the Assurant Solutions reporting unit in 2014 and 2013 and for the Assurant Specialty Property reporting unit in 2014. Based on these tests, it was determined that goodwill was not impaired at either reporting unit.

VOBA And Other Intangible Asset

VOBA And Other Intangible Assets	12 Months Ended
	Dec. 31, 2015
Finite-Lived Intangible Assets, Net [Abstract]
VOBA And Other Intangible Assets	VOBA and Other Intangible Assets Information about VOBA is as follows: For the Years Ended December 31, 2015 2014 2013 Beginning balance $ 45,462 $ 53,549 $ 62,109 Additions 4,134 — — Amortization, net of interest accrued (8,314 ) (7,978 ) (8,442 ) Foreign currency translation and other (128 ) (109 ) (118 ) Ending balance $ 41,154 $ 45,462 $ 53,549 As of December 31, 2015, the entire outstanding balance of VOBA is from the Assurant Solutions segment with the majority related to the preneed life insurance business. VOBA in the preneed life insurance business assumes an interest rate ranging from 5.4% to 7.5% . At December 31, 2015 the estimated amortization of VOBA for the next five years and thereafter is as follows: Year Amount 2016 $ 9,066 2017 7,820 2018 7,021 2019 6,645 2020 6,289 Thereafter 4,313 Total $ 41,154 Information about other intangible assets is as follows: As of December 31, 2015 2014 Carrying Value Accumulated Amortization Net Other Intangible Assets Carrying Value Accumulated Amortization Net Other Intangible Assets Contract based intangibles $ 47,134 $ (30,820 ) $ 16,314 $ 63,538 $ (36,221 ) $ 27,317 Customer related intangibles 438,737 (212,542 ) 226,195 520,894 (212,326 ) 308,568 Marketing related intangibles 41,386 (20,977 ) 20,409 41,861 (15,686 ) 26,175 Technology based intangibles 25,235 (10,990 ) 14,245 25,235 (5,335 ) 19,900 Total $ 552,492 $ (275,329 ) $ 277,163 $ 651,528 $ (269,568 ) $ 381,960 Other intangible assets amortization for 2015, 2014 and 2013 amounted to $71,664 , $63,924 and $44,671 , respectively. Other intangible assets that have finite lives, including customer relationships, customer contracts and other intangible assets, are amortized over their useful lives. The estimated amortization of other intangible assets are as follows: Year Amount 2016 $ 67,079 2017 59,782 2018 47,081 2019 30,837 2020 26,276 Thereafter 46,108 Total other intangible assets with finite lives $ 277,163

Reserves

Reserves	12 Months Ended
	Dec. 31, 2015
Insurance Loss Reserves [Abstract]
Reserves	Reserves The following table provides reserve information of the Company’s major product lines at the dates shown: December 31, 2015 December 31, 2014 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 Reserves Incurred But Not Reported Reserves Long Duration Contracts: Preneed funeral life insurance policies and investment-type annuity contracts $ 4,670,977 $ 134,534 $ 13,644 $ 6,324 $ 4,618,505 $ 4,872 $ 14,696 $ 6,456 Life insurance no longer offered 407,360 427 2,360 1,070 418,672 570 2,272 1,301 Universal life and other products no longer offered 153,801 118 773 1,674 168,808 136 704 1,959 FFG, LTC and other disposed businesses 4,129,233 47,132 973,614 103,652 4,153,741 46,585 881,514 97,524 Medical 68,353 742 1,465 2,321 87,563 7,254 1,959 7,886 All other 36,970 404 12,855 10,836 36,383 382 13,863 9,803 Short Duration Contracts: Group term life — 2,431 166,920 30,857 — 2,905 169,006 28,786 Group disability — 1,984 1,092,841 100,155 — 1,564 1,127,068 107,961 Medical — 25,401 235,516 253,295 — 130,185 137,370 240,830 Dental — 4,244 1,587 16,454 — 4,013 2,251 17,037 Property and warranty — 2,223,589 182,095 507,310 — 2,386,719 130,517 546,979 Credit life and disability — 181,466 25,966 35,718 — 241,092 34,581 43,298 Extended service contracts — 3,669,859 7,258 33,928 — 3,568,352 6,780 42,054 All other — 131,389 18,961 57,270 — 135,046 5,375 18,776 Total $ 9,466,694 $ 6,423,720 $ 2,735,855 $ 1,160,864 $ 9,483,672 $ 6,529,675 $ 2,527,956 $ 1,170,650 The following table provides a rollforward of the Company’s product lines with the most significant 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, 2012, gross of reinsurance (3) $ 203,757 $ 1,309,087 $ 247,758 $ 16,847 $ 1,167,058 Less: Reinsurance ceded and other (1) (2,817 ) (38,166 ) (16,447 ) (736 ) (715,058 ) Balance as of January 1, 2013, net of reinsurance 200,940 1,270,921 231,311 16,111 452,000 Incurred losses related to: Current year 121,708 284,005 1,097,313 110,933 1,140,500 Prior year’s interest 7,773 56,705 — — — Prior year (s) (14,300 ) (29,975 ) (42,063 ) (3,971 ) (23,801 ) Total incurred losses 115,181 310,735 1,055,250 106,962 1,116,699 Paid losses related to: Current year 75,119 70,236 894,533 98,183 802,130 Prior year (s) 43,694 278,559 184,824 11,869 310,660 Total paid losses 118,813 348,795 1,079,357 110,052 1,112,790 Balance as of December 31, 2013, net of reinsurance (3) 197,308 1,232,861 207,204 13,021 455,909 Plus: Reinsurance ceded and other (1) 2,463 38,990 14,978 618 183,315 Balance as of December 31, 2013, gross of reinsurance (3) $ 199,771 $ 1,271,851 $ 222,182 $ 13,639 $ 639,224 Less: Reinsurance ceded and other (1) (4) (2,463 ) (38,990 ) (14,978 ) (618 ) (229,038 ) Balance as of January 1, 2014, net of reinsurance 197,308 1,232,861 207,204 13,021 410,186 Incurred losses related to: Current year 124,228 285,095 1,782,891 128,093 1,401,187 Prior year’s interest 7,548 53,657 — — — Prior year(s) (16,560 ) (36,003 ) (51,352 ) (4,044 ) (2,848 ) Total incurred losses 115,216 302,749 1,731,539 124,049 1,398,339 Paid losses related to: Current year 77,113 80,172 1,424,448 118,842 988,075 Prior year (s) 41,028 262,023 151,298 8,829 323,795 Total paid losses 118,141 342,195 1,575,746 127,671 1,311,870 Balance as of December 31, 2014, net of reinsurance (3) 194,383 1,193,415 362,997 9,399 496,655 Plus: Reinsurance ceded and other (1) 3,409 41,614 15,203 446 180,841 Balance as of December 31, 2014, gross of reinsurance (3) $ 197,792 $ 1,235,029 $ 378,200 $ 9,845 $ 677,496 Less: Reinsurance ceded and other (1) (3,409 ) (41,614 ) (15,203 ) (446 ) (180,841 ) Balance as of January 1, 2015, net of reinsurance 194,383 1,193,415 362,997 9,399 496,655 Incurred losses related to: Current year 132,330 264,077 2,404,632 80,845 1,105,991 Prior year’s interest 7,317 51,798 — — — Prior year (s) (17,513 ) (18,540 ) (36,795 ) (2,483 ) (43,619 ) Total incurred losses 122,134 297,335 2,367,837 78,362 1,062,372 Paid losses related to: Current year 82,847 76,000 2,016,726 77,427 752,752 Prior year (s) 38,643 263,412 318,327 6,709 317,589 Total paid losses 121,490 339,412 2,335,053 84,136 1,070,341 Balance as of December 31, 2015, net of reinsurance (3) 195,027 1,151,338 395,781 3,625 488,686 Plus: Reinsurance ceded and other (1) 2,750 41,658 93,030 161 200,719 Balance as of December 31, 2015, gross of reinsurance (3) $ 197,777 $ 1,192,996 $ 488,811 $ 3,786 $ 689,405 (1) Reinsurance ceded and other includes claims and benefits payable balances that have either been (a) reinsured to third parties, (b) established for claims related expenses whose subsequent payment is not recorded as a paid claim, or (c) reserves established for obligations that would persist even if contracts were cancelled (such as extension of benefits), which cannot be analyzed appropriately under a roll-forward approach. (2) Short duration and long duration medical methodologies used for settling claims and benefits payable are similar. (3) The Company’s net retained credit life and disability claims and benefits payable were $33,852 , $45,096 and $54,483 at December 31, 2015, 2014 and 2013. (4) Includes the reclassification of assets held for sale as described in Note 4. Short Duration Contracts The Company’s short duration contracts are comprised of group term life, group disability, medical, dental, property and warranty, credit life and disability, extended service contract and all other. The principal products and services included in these categories are described in the summary of significant accounting polices (see Note 2). Case and IBNR reserves are developed using actuarial principles and assumptions that consider, among other things, contractual requirements, historical utilization trends and payment patterns, benefit changes, medical inflation, seasonality, membership, product mix, legislative and regulatory environment, economic factors, disabled life mortality and claim termination rates and other relevant factors. The Company consistently applies the principles and assumptions listed above from year to year, while also giving due consideration to the potential variability of these factors. Since case and IBNR reserves include estimates developed from various actuarial methods, the Company’s actual losses incurred may be more or less than the Company’s previously developed estimates. As shown in the table above, if the amounts listed on the line labeled “Incurred losses related to: Prior years” are negative (redundant) this means that the Company’s actual losses incurred related to prior years for these lines were less than the estimates previously made by the Company. If the line labeled “Incurred losses related to: Prior years” are positive (deficient) this means that the Company’s actual losses incurred related to prior years for these lines were greater than the estimates previously made by the Company. Medical reserves established for obligations that would persist even if contracts were cancelled (such as extension of benefits) have been excluded from the incurred loss roll-forwards because they cannot be analyzed appropriately under a rollforward approach. Affordable Care Act risk mitigation accruals and payments have also been excluded as they involve other receivable accounts which would be inconsistent with this reserve rollforward approach. Group Term Life case and IBNR reserves redundancies in all years are due to actual mortality rates running below those assumed in prior year reserves, and actual recovery rates running higher than those assumed in prior year reserves. Group Disability case and IBNR reserves show redundancies in all years due to actual claim recovery rates exceeding those assumed in prior year reserves. The redundancies in our Medical lines case and IBNR reserves were caused by the Company’s claims and other case reserves developing more favorably than expected. The Company’s actual claims experience reflected lower medical provider utilization and lower medical inflation than assumed in the Company’s prior-year pricing and reserving processes. The Company’s group disability products include short and long term disability coverage. Case and IBNR reserves for long-term disability claims have been discounted at 5.25% for claims incurred in 2010 and prior years, and between 4.25% and 4.75% for claims incurred after 2010. The December 31, 2015 and 2014 liabilities net of reinsurance include $1,192,996 and $1,235,029 , respectively, of such reserves. The amount of discounts deducted from outstanding reserves as of December 31, 2015 and 2014 are $343,954 and $362,207 , respectively. In 2015, the Company’s Property and Warranty case and IBNR reserves reflected an increased degree of favorable development on prior accident years compared to 2014 and 2013. Unfavorable development on lender-placed products in 2014 led to a lower redundancy level than seen in prior years. In 2015, reserve redundancies returned to long-term historical norms due to improvements in non-catastrophe loss experience for lender-placed products as well as reserve strengthening taken in 2014. In 2013, adverse development of $6,500 from Super Storm Sandy lowered the reserve redundancy compared to 2012. For the longer-tail Property and Warranty coverages (e.g. asbestos, environmental, and other general liability), for all years presented, there were no material changes in estimated amounts for incurred claims in prior years. Long Duration Contracts The Company’s long duration contracts are primarily comprised of preneed life insurance and annuity policies, life insurance policies (no longer offered), universal life and annuities (no longer offered), FFG and LTC disposed businesses and medical policies. The principal products and services included in these categories are described in the summary of significant accounting policies. See Note 2 for further information. The Assurant Solutions segment manages preneed insurance products through two separate divisions: the independent division and the American Memorial Life Insurance Company (“AMLIC”) division. The Company signed an agreement with Forethought Life Insurance Company on November 9, 2005 whereby the Company discontinued writing new preneed insurance policies in the U.S. via independent funeral homes. The reserve assumptions for future policy benefits and expenses for pre-funded funeral life and annuity contracts and traditional life insurance (no longer offered) by the preneed business differ by division and are established based upon the following: Preneed Business – Independent Division Interest and discount rates for preneed life insurance issued prior to 2009 vary by year of issuance and product, are based on pricing assumptions and modified to allow for provisions for adverse deviation. For preneed life insurance with discretionary death benefit growth issued after 2008, interest and discount rates are based upon current assumptions without provisions for adverse deviation. During 2015 and 2014, interest and discount rates ranged between 3.3% and 7.3% . Interest and discount rates for traditional life insurance (no longer offered) vary by year of issuance and products and were 7.5% grading to 5.3% over 20 years in 2015 and 2014 with the exception of a block of pre-1980 business which had a level 8.8% discount rate in 2015 and 2014. Mortality assumptions for business issued prior to 2009 are based upon pricing assumptions and modified to allow for provisions for adverse deviation. For business issued after 2008, mortality assumptions are based upon pricing assumptions without provisions for adverse deviation. Surrender rates vary by product and are based upon pricing assumptions. Future assumed policy benefit increases on preneed life insurance issued prior to 2009 ranged from 1.0% to 7.0% in 2015 and 2014. Some policies have future policy benefit increases, which are guaranteed or tied to equal some measure of inflation. The inflation assumption for most of these inflation-linked benefits was 3.0% in both 2015 and 2014 with the exception of most policies issued in 2005 through 2007 where the assumption was 2.3% . Future policy benefit increases for business issued in 2015 are based on current assumptions. The reserves for annuities issued by the independent division are based on assumed interest rates credited on deferred annuities, which vary by year of issue, and ranged from 1.0% to 5.5% in 2015 and 2014. Withdrawal charges, if any, generally range from 7.0% to 0.0% and grade to zero over a period of seven years for business issued in the U.S. Canadian annuity products have a surrender charge that varies by product series and premium paying period. PreNeed Business – AMLIC Division Interest and discount rates for preneed life insurance issued or acquired after September 2000 and prior to 2009 vary by year of issuance and are based on pricing assumptions and modified to allow for provisions for adverse deviation. For preneed life insurance with discretionary death benefit growth issued after 2008, interest and discount rates are based on current assumptions without provisions for adverse deviation. Discount rates for 2015 and 2014 issues ranged from 1.5% to 4.3% . Preneed insurance issued prior to October 2000 and all traditional life insurance issued by the AMLIC division use discount rates, which vary by issue year and product, ranging from 0.0% to 7.5% in 2015 and 2014. Mortality assumptions for preneed life insurance issued or acquired after September 2000 and prior to 2009 are based upon pricing assumptions, which approximate actual experience, and modified to allow for provisions for adverse deviation. For preneed life insurance with discretionary death benefit growth issued after 2008, mortality assumptions are based upon pricing assumptions, which approximate actual experience, without provisions for adverse deviation. Surrender rates for preneed life insurance issued or acquired in October 2000 and beyond vary by product and are based upon pricing assumptions. Mortality assumptions for all preneed life insurance and traditional life insurance acquired by the AMLIC division prior to October 2000 are based on statutory valuation requirements, which approximate GAAP, with no explicit provision for lapses. Future policy benefit increases for preneed life insurance products are based upon pricing assumptions. First-year guaranteed benefit increases were 0.0% in 2015 and 2014. Renewal guaranteed benefit increases ranged from 0.0% to 3.0% in 2015 and 2014. For contracts with minimum benefit increases associated with an inflation index, assumed benefit increases equaled the discount rate less 3.0% in 2015 and 2014. The reserves for annuities issued by the AMLIC division are based on assumed interest rates credited on deferred annuities and ranged from 1.0% to 6.5% in 2015 and 2014. Withdrawal charges ranged from 0.0% to 8.0% grading to zero over eight years for United States products. Canadian annuity products have a flat 35% surrender charge. Nearly all the deferred annuities contracts have a 3.0% guaranteed interest rate. Universal Life and Annuities – No Longer Offered The reserves for universal life and annuity products (no longer offered) in the Assurant Solutions segment have been established based on the following assumptions: Interest rates credited on annuities, which vary by product and time when funds were received, ranged from 3.5% to 4.0% with guaranteed credited rates that ranged from 3.5% to 4.0% in 2015 and 2014, except for a limited number of policies with credited rates of 4.5% with guaranteed credited rate of 4.5% . Annuities are also subject to surrender charges, which vary by contract year and grade to zero over a period no longer than seven years. Surrender values on annuities will never be less than the amount of paid-in premiums (net of prior withdrawals) regardless of the surrender charge. Credited interest rates on universal life funds vary by product and time when funds were received and ranged from 4.0% to 4.1% in 2015 and 2014. Guaranteed crediting rates where present were 4.0% . Additionally, universal life funds are subject to surrender charges that vary by product, age, sex, year of issue, risk class, face amount and grade to zero over a period not longer than 20 years. FFG and LTC Reserves for previously disposed FFG and LTC businesses are included in the Company’s reserves in accordance with the insurance guidance. The Company maintains an offsetting reinsurance recoverable related to these reserves. See Note 14 for further information.

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2015
Reinsurance Disclosures [Abstract]
Reinsurance	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: 2015 2014 Ceded future policyholder benefits and expense $ 4,037,682 $ 4,052,976 Ceded unearned premium 1,667,228 1,587,583 Ceded claims and benefits payable 1,429,128 1,283,510 Ceded paid losses 336,365 330,516 Total $ 7,470,403 $ 7,254,585 A key credit quality indicator for reinsurance is the A.M. Best financial strength ratings of the reinsurer. The A.M. Best ratings are an independent opinion of a reinsurer’s ability to meet ongoing obligations to policyholders. The A.M. Best ratings for new reinsurance agreements where there is material credit exposure are reviewed at the time of execution. The A.M. Best ratings for existing reinsurance agreements are reviewed on a periodic basis, at least annually. The following table provides the reinsurance recoverable as of December 31, 2015 grouped by A.M. Best rating: Best Ratings of Reinsurer_____ Ceded future policyholder benefits and expense Ceded unearned premiums Ceded claims and benefits payable Ceded paid losses Total A++ or A+ $ 2,567,918 $ 50,041 $ 977,498 $ 17,445 $ 3,612,902 A or A- 1,460,465 79,623 185,131 25,292 1,750,511 B++ or B+ 747 23,153 2,628 — 26,528 B or B- 251 258 86 45 640 Not Rated 8,301 1,514,153 263,785 304,403 2,090,642 Total 4,037,682 1,667,228 1,429,128 347,185 7,481,223 Less: Allowance — — — (10,820 ) (10,820 ) Net reinsurance recoverable $ 4,037,682 $ 1,667,228 $ 1,429,128 $ 336,365 $ 7,470,403 A.M. Best ratings for The Hartford and John Hancock, the reinsurers with the largest reinsurance recoverable balances, are A- and A+, respectively. A.M. Best currently maintains a stable outlook on the financial strength ratings of John Hancock and The Hartford. The total amount of recoverable for these two reinsurers is $4,607,056 as of December 31, 2015. Most of the assets backing reserves relating to reinsurance recoverables from these two counterparties are held in trust. A substantial portion of the Not Rated category is related to Assurant Solutions’ and Assurant Specialty Property’s agreements to reinsure premiums and risks related to business generated by certain clients to the clients’ own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest. To mitigate exposure to credit risk for these reinsurers, the Company evaluates the financial condition of the reinsurer and holds substantial collateral (in the form of funds withheld, trusts, and letters of credit) as security. The Not Rated category also includes recoverables from the Department of Health and Human Services, the National Flood Insurance Program and the Florida Hurricane Catastrophe Fund. An allowance for doubtful accounts related to reinsurance recoverables is recorded on the basis of periodic evaluations of balances due from reinsurers (net of collateral), reinsurer solvency, management’s experience and current economic conditions. The allowance for doubtful accounts was $10,820 at December 31, 2015 and 2014, respectively. There were no additions or write-downs charged against the allowance during 2015 or 2014. The effect of reinsurance on premiums earned and benefits incurred was as follows: Years Ended December 31, 2015 2014 2013 Long Duration Short Duration Total Long Duration Short Duration Total Long Duration Short Duration Total Direct earned premiums $ 509,080 $ 11,091,644 $ 11,600,724 $ 510,822 $ 10,740,127 $ 11,250,949 $ 555,368 $ 9,293,288 $ 9,848,656 Premiums assumed 8,410 517,578 525,988 8,762 478,894 487,656 10,117 304,980 315,097 Premiums ceded (288,975 ) (3,486,740 ) (3,775,715 ) (276,525 ) (2,829,938 ) (3,106,463 ) (304,064 ) (2,099,893 ) (2,403,957 ) Net earned premiums $ 228,515 $ 8,122,482 $ 8,350,997 $ 243,059 $ 8,389,083 $ 8,632,142 $ 261,421 $ 7,498,375 $ 7,759,796 Direct policyholder benefits $ 937,962 $ 6,024,395 $ 6,962,357 $ 1,702,475 $ 5,244,646 $ 6,947,121 $ 933,110 $ 3,706,848 $ 4,639,958 Policyholder benefits assumed 19,948 290,925 310,873 23,911 306,365 330,276 22,844 211,446 234,290 Policyholder benefits ceded (647,873 ) (1,882,822 ) (2,530,695 ) (1,373,953 ) (1,498,111 ) (2,872,064 ) (590,281 ) (608,435 ) (1,198,716 ) Net policyholder benefits $ 310,037 $ 4,432,498 $ 4,742,535 $ 352,433 $ 4,052,900 $ 4,405,333 $ 365,673 $ 3,309,859 $ 3,675,532 The Company had $923,512 and $1,022,078 , respectively, of invested assets held in trusts or by custodians as of December 31, 2015 and 2014, 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 the Assurant Solutions and Assurant Specialty Property segments, for client risk and profit sharing. Loss Protection and Capital Management As part of the Company’s overall risk and capacity management strategy, the Company purchases reinsurance for certain risks underwritten by the Company’s various segments, including significant individual or catastrophic claims. For those product lines where there is exposure to losses from catastrophe events, the Company closely monitors and manages its aggregate risk exposure by geographic area. The Company has entered into reinsurance treaties to manage exposure to these types of events. On January 30, 2012, certain of the Companies’ subsidiaries (“the Subsidiaries”) entered into two reinsurance agreements with Ibis Re II Ltd. (“Ibis Re II”). Ibis Re II is an independent special purpose reinsurance company domiciled in the Cayman Islands. The Ibis Re II agreements provide up to $130,000 of reinsurance coverage for protection against losses over a three -year period from individual hurricane events in Hawaii, Puerto Rico, and along the Gulf and Eastern Coasts of the United States. The agreements expired in February 2015. Ibis Re II financed the property catastrophe reinsurance coverage by issuing $130,000 in catastrophe bonds to unrelated investors (the “Series 2012-1 Notes”). On June 26, 2013, the Subsidiaries entered into three additional reinsurance agreements with Ibis Re II providing up to $185,000 of reinsurance coverage for protection against losses over a three -year period from individual hurricane events in Hawaii, Puerto Rico, and along the Gulf and Eastern Coasts of the United States. The agreements expire in June 2016. Ibis Re II financed the property catastrophe reinsurance coverage by issuing $185,000 in catastrophe bonds to unrelated investors (the “Series 2013-1 Notes”). The $315,000 of coverage represents approximately 17% of the expected first event coverage (net of reimbursements of the Florida Hurricane Catastrophe Fund) purchased by the Company in excess of the Company’s anticipated retention. Under the terms of these reinsurance agreements, the Subsidiaries are obligated to pay annual reinsurance premiums to Ibis Re II for the reinsurance coverage. The reinsurance agreements with Ibis Re II utilize a dual trigger that is based upon an index that is created by applying predetermined percentages to insured industry losses in each state in the covered area as reported by an independent party and the Subsidiaries’ covered losses incurred. Reinsurance contracts that have a separate, pre-identified variable (e.g., a loss-based index) are accounted for as reinsurance if certain conditions are met. In the case of the reinsurance agreements with Ibis Re II, these conditions were met, thus the Company accounted for them as reinsurance in accordance with the guidance for reinsurance contracts. Amounts payable to the Subsidiaries under the reinsurance agreements will be determined by the index-based losses, which are designed to approximate the Subsidiaries’ actual losses from any covered event. The amount of actual losses and index losses from any covered event may differ. For each covered event, Ibis Re II pays the Subsidiaries the lesser of the covered index-based losses or the Subsidiaries’ actual losses. The principal amount of the catastrophe bonds will be reduced by any amounts paid to the Subsidiaries under the reinsurance agreements. The Subsidiaries have not incurred any losses subject to the reinsurance agreements since their inception. As of December 31, 2015, the Company had not ceded any losses to Ibis Re II. As with any reinsurance agreement, there is credit risk associated with collecting amounts due from reinsurers. With regard to the Series 2012-1 Notes and Series 2013-1 Notes, the credit risk is mitigated by two reinsurance trust accounts for each Series, respectively. Each reinsurance trust account has been funded by Ibis Re II with money market funds that invest solely in direct government obligations backed by the U.S. government with maturities of no more than 13 months. The money market funds must have a principal stability rating of at least AAA by Standard & Poor’s. As a result of the evaluation of the reinsurance agreements with Ibis Re II, the Company concluded that Ibis Re II is a VIE. However, while Ibis Re II is a VIE, the Company concluded that it does not have a significant variable interest in Ibis Re II as the variability in results, caused by the reinsurance agreements, is expected to be absorbed entirely by the bondholders and the Company is not entitled to any residual amounts. Accordingly, the Company is not the primary beneficiary of Ibis Re II and does not consolidate the entities in the Company’s financial statements. Business Divestitures The Company has used reinsurance to exit certain businesses, such as the disposals of FFG and LTC. Reinsurance was used in these cases to facilitate the transactions because the businesses shared legal entities with operating segments that the Company retained. Assets supporting liabilities ceded relating to these businesses are mainly held in trusts and the separate accounts relating to FFG are still reflected in the Company’s balance sheet. If the reinsurers became insolvent, we would be exposed to the risk that the assets in the trusts and/or the separate accounts would be insufficient to support the liabilities that would revert back to us. The reinsurance recoverable from The Hartford was $1,053,496 and $1,077,791 as of December 31, 2015 and 2014, respectively. The reinsurance recoverable from John Hancock was $3,553,560 and $3,471,908 as of December 31, 2015 and 2014, respectively. The reinsurance agreement associated with the FFG sale also stipulates that The Hartford contribute funds to increase the value of the separate account assets relating to Modified Guaranteed Annuity business sold if such value declines below the value of the associated liabilities. If The Hartford fails to fulfill these obligations, the Company will be obligated to make these payments. In addition, the Company would be responsible for administering this business in the event of reinsurer insolvency. We do not currently have the administrative systems and capabilities to process this business. Accordingly, we would need to obtain those capabilities in the event of an insolvency of one or more of the reinsurers of these businesses. We might be forced to obtain such capabilities on unfavorable terms with a resulting material adverse effect on our results of operations and financial condition. As of December 31, 2015, we were not aware of any regulatory actions taken with respect to the solvency of the insurance subsidiaries of The Hartford or John Hancock that reinsure the FFG and LTC businesses, and the Company has not been obligated to fulfill any of such reinsurers’ obligations. John Hancock and The Hartford have paid their obligations when due and there have been no disputes. Segment Client Risk and Profit Sharing The Assurant Solutions and Assurant Specialty Property segments write business produced by their clients, such as mobile providers, mortgage lenders and servicers, and financial institutions and reinsures all or a portion of such business to insurance subsidiaries of some clients. Such arrangements allow significant flexibility in structuring the sharing of risks and profits on the underlying business. A substantial portion of Assurant Solutions and Assurant Specialty Property’s reinsurance activities are related to agreements to reinsure premiums and risks related to business generated by certain clients to the clients’ own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest. Through these arrangements, our insurance subsidiaries share some of the premiums and risk related to client-generated business with these clients. When the reinsurance companies are not authorized to do business in our insurance subsidiary’s domiciliary state, the Company’s insurance subsidiary generally obtains collateral, such as a trust or a letter of credit, from the reinsurance company or its affiliate in an amount equal to the outstanding reserves to obtain full statutory financial credit in the domiciliary state for the reinsurance. The Company’s reinsurance agreements do not relieve the Company from its direct obligation to its insureds. Thus, a credit exposure exists to the extent that any reinsurer is unable to meet the obligations assumed in the reinsurance agreements. To mitigate its exposure to reinsurance insolvencies, the Company evaluates the financial condition of its reinsurers and holds substantial collateral (in the form of funds, trusts, and letters of credit) as security under the reinsurance agreements.

Debt

Debt	12 Months Ended
	Dec. 31, 2015
Debt Instruments [Abstract]
Debt	Debt On March 28, 2013 , the Company issued two series of senior notes with an aggregate principal amount of $700,000 (the “2013 Senior Notes”). The Company received net proceeds of $698,093 from this transaction, which represents the principal amount less the discount before offering expenses. The discount of $1,907 is being amortized over the life of the 2013 Senior Notes and is included as part of interest expense on the consolidated statements of operations. The first series is $350,000 in principal amount, bears interest at 2.50% per year and is payable in a single installment due March 15, 2018 and was issued at a 0.18% discount. The second series is $350,000 in principal amount, bears interest at 4.00% per year and is payable in a single installment due March 15, 2023 and was issued at a 0.37% discount. Interest on the 2013 Senior Notes is payable semi-annually on March 15 and September 15 of each year. The 2013 Senior Notes are unsecured obligations and rank equally with all of the Company’s other senior unsecured indebtedness. The Company may redeem each series of the 2013 Senior Notes in whole or in part at any time and from time to time before their maturity at the redemption price set forth in the Indenture. The 2013 Senior Notes are registered under the Securities Act of 1933, as amended. The interest expense incurred related to the 2013 Senior Notes was $22,988 , $22,981 and $17,357 for the year ended December 31, 2015, 2014 and 2013, respectively. There was $6,635 of accrued interest at both December 31, 2015 and 2014. The Company made interest payments on the 2013 Senior Notes of $11,375 on March 15, 2015 and 2014 and September 15, 2015 and 2014. In February 2004 , the Company issued two series of senior notes with an aggregate principal amount of $975,000 (the “2004 Senior Notes”). The Company received net proceeds of $971,537 from this transaction, which represents the principal amount less the discount before operating expenses. The discount of $3,463 is being amortized over the life of the 2004 Senior Notes and is included as part of interest expense on the statement of operations. The first series was $500,000 in principal amount, issued at a 0.11% discount, bore interest at 5.63% per year and was repaid on February 18, 2014 . The second series is $475,000 in principal amount, bears interest at 6.75% per year and is payable in a single installment due February 15, 2034 and was issued at a 0.61% discount. Interest on the 2004 Senior Notes is payable semi-annually on February 15 and August 15 of each year. The 2004 Senior Notes are unsecured obligations and rank equally with all of the Company’s other senior unsecured indebtedness. The senior notes are not redeemable prior to maturity. All of the holders of the 2004 Senior Notes exchanged their notes in May 2004 for new notes registered under the Securities Act of 1933, as amended. The interest expense incurred related to the 2004 Senior Notes was $32,127 , $35,414 , and $59,414 for the years ended December 31, 2015, 2014, and 2013, respectively. There was $12,023 of accrued interest at both December 31, 2015 and 2014. The Company made interest payments on the 2004 Senior Notes of $16,031 and $30,094 on February 15, 2015 and 2014, respectively, and $16,031 on August 15, 2015 and 2014. Credit Facility The Company’s 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 Company’s subsidiaries do not maintain commercial paper or other borrowing facilities at their level. This program is currently backed up by a $400,000 senior revolving credit facility, of which $395,960 was available at December 31, 2015, due to $4,040 of outstanding letters of credit related to this program. On September 16, 2014 , the Company entered into a five -year unsecured $400,000 revolving credit agreement, as amended by Amendment No. 1, dated as of March 5, 2015 (the “2014 Credit Facility”) with a syndicate of banks arranged by JP Morgan Chase Bank, N.A. and Wells Fargo, N.A. The 2014 Credit Facility replaces the Company's prior four -year $350,000 revolving credit facility (the "2011 Credit Facility"), which was entered into on September 21, 2011 and was scheduled to expire in September 2015 . The 2011 Credit Facility terminated upon the effectiveness of the 2014 Credit Facility. The 2014 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 $400,000 and is available until September 2019 , provided the Company is in compliance with all covenants. The 2014 Credit Facility has a sublimit for letters of credit issued thereunder of $50,000 . The proceeds of these loans may be used for the Company’s commercial paper program or for general corporate purposes. The Company may increase the total amount available under the 2014 Credit Facility to $525,000 subject to certain conditions. No bank is obligated to provide commitments above their share of the $400,000 facility. The Company did not use the commercial paper program during the years ended December 31, 2015 and 2014 and there were no amounts relating to the commercial paper program outstanding at December 31, 2015 and 2014. The Company made no borrowings using the 2014 Credit Facility and no loans are outstanding at December 31, 2015. The 2014 Credit Facility contains restrictive covenants and requires that the Company maintain certain specified minimum ratios and thresholds. Among others, these covenants include maintaining a maximum debt to capitalization ratio and a minimum consolidated adjusted net worth. At December 31, 2015, the Company was in compliance with all covenants, minimum ratios and thresholds.

Common Stock

Common Stock	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Common Stock	Common Stock Changes in the number of common stock shares outstanding are as follows: December 31, 2015 2014 2013 Shares outstanding, beginning 69,299,559 71,828,208 78,664,029 Vested restricted stock and restricted stock units, net (a) 335,518 321,841 340,525 Issuance related to performance share units (a) 269,576 277,164 252,025 Issuance related to ESPP 130,622 141,576 217,573 Issuance related to SARS exercise — 29,260 61,070 Shares repurchased (4,184,889 ) (3,298,490 ) (7,707,014 ) Shares outstanding, ending 65,850,386 69,299,559 71,828,208 (a) Vested restricted stock, restricted stock units and performance share units are 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 issued.

Stock Based Compensation

Stock Based Compensation	12 Months Ended
	Dec. 31, 2015
Share-based Compensation [Abstract]
Stock Based Compensation	Stock Based Compensation In accordance with the guidance on share based compensation, 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 the guidance. For the years ended December 31, 2015, 2014 and 2013, 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 Under the Assurant, Inc. Long-Term Equity Incentive Plan (“ALTEIP”), amended and restated in May 2010, the Company is authorized to issue up to 5,300,000 new shares of the Company's common stock to employees, officers and non-employee directors. Under the ALTEIP, the Company may grant awards based on shares of its 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 awarded under the ALTEIP. The Compensation Committee of the Board of Directors (the “Compensation Committee”) awards RSUs and PSUs annually. 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 are based on salary grade and performance and 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, however, issuance of vested shares is deferred until separation from Board service. 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, and will be paid in cash at the end of the performance period based on the actual number of shares issued. The fair value of RSUs is estimated using the fair market value of a share of the Company’s common stock at the date of grant. The fair value of PSUs is estimated using the Monte Carlo simulation model and is described in further detail below. For the PSU portion of an award, the number of shares a participant will receive upon vesting is contingent upon the Company’s performance with respect to selected metrics, identified below, compared against a broad index of insurance companies and assigned a percentile ranking. These rankings are then averaged to determine the composite percentile ranking for the performance period. The payout levels can vary between 0% and 150% (maximum) of the target ( 100% ) ALTEIP award amount based on the Company’s level of performance against the selected metrics. PSU Performance Goals. The Compensation Committee established book value per share (“BVPS”) growth excluding AOCI, revenue growth and total stockholder return as the three performance measures for PSU awards. BVPS growth is defined as the year-over-year growth of the Company’s stockholders’ equity excluding AOCI divided by the number of fully diluted total shares outstanding at the end of the period. Revenue growth is defined as the year-over-year change in total revenues as disclosed in the Company’s annual statement of operations. Total stockholder return is defined as appreciation in Company stock plus dividend yield to stockholders. Payouts will be determined by measuring performance against the average performance of companies included in an insurance industry market index. From 2009 to 2013, the Company used the A.M. Best U.S. Insurance Index to measure its relative performance ranking. In 2014, A.M. Best stopped publishing this index. As of January 1, 2014, the Company is using the S&P Total Market Index to measure the Company’s performance for all new and outstanding PSU awards. Consistent with adjustments made to the A.M. Best U.S. Insurance Index, adjustments will be made to the S&P Total Market Index to exclude companies with revenues of less than $1,000,000 or that are not in the insurance or managed healthcare Global Industry Classification Standard codes. In addition, companies within the Company’s compensation peer group, but not otherwise in the S&P Total Market Index, will be included. The adjusted S&P Total Market Index is substantially similar in composition to the previous A.M. Best U.S. Insurance Index. Under the ALTEIP, the Company’s Chief Executive Officer (“CEO”) is authorized by the Board of Directors to grant common stock, restricted stock and RSUs to employees other than the executive officers of the Company (as defined in Section 16 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”)). The Board of Directors reviews and ratifies these grants quarterly. Restricted stock and RSUs granted under this program may have different vesting periods. Restricted Stock Units A summary of the Company’s outstanding restricted stock units is presented below: Shares Weighted-Average Grant-Date Fair Value Shares outstanding at December 31, 2014 978,028 $ 51.39 Grants 366,200 63.09 Vests (557,402 ) 47.92 Forfeitures and adjustments (38,007 ) 59.63 Shares outstanding at December 31, 2015 748,819 $ 59.34 The compensation expense recorded related to RSUs was $22,001 , $23,856 and $26,734 for the years ended December 31, 2015, 2014 and 2013, respectively. The related total income tax benefit recognized was $7,696 , $8,337 and $9,343 for the years ended December 31, 2015, 2014 and 2013, respectively. The weighted average grant date fair value for RSUs granted in 2014 and 2013 was $65.14 and $45.27 , respectively. As of December 31, 2015, there was $12,931 of unrecognized compensation cost related to outstanding RSUs. That cost is expected to be recognized over a weighted-average period of 1.06 years. The total fair value of shares vested during the years ended December 31, 2015, 2014 and 2013 was $35,771 , $35,206 and $24,812 , respectively. Performance Share Units A summary of the Company’s outstanding performance share units is presented below: Performance Share Units Weighted-Average Grant-Date Fair Value Performance share units outstanding, December 31, 2014 1,127,088 $ 49.63 Grants 355,688 61.82 Vests (458,755 ) 41.68 Performance adjustment (1) 70,140 41.68 Forfeitures and adjustments (31,242 ) 58.90 Performance share units outstanding, December 31, 2015 1,062,919 $ 56.37 (1) Represents the change in shares issued based upon the attainment of performance goals established by the Company. PSU grants above represent initial target awards and do not reflect potential increases or decreases resulting from the financial performance objectives to be determined at the end of the prospective performance period. The actual number of shares to be issued at the end of each performance period will range from 0% to 150% of the initial target awards. The compensation expense recorded related to PSUs was $15,523 , $24,380 and $22,257 for the years ended December 31, 2015, 2014 and 2013, respectively. Portions of the compensation expense recorded during 2014 were reversed in 2015 since the Company’s level of actual performance as measured against pre-established performance goals had declined. The related total income tax benefit recognized was $5,428 , $8,516 , and $7,774 for the years ended December 31, 2015, 2014 and 2013, respectively. The weighted average grant date fair value for PSUs granted in 2014 and 2013 was $64.93 and $44.22 , respectively. As of December 31, 2015, there was $16,920 of unrecognized compensation cost related to outstanding PSUs. That cost is expected to be recognized over a weighted-average period of 0.77 years. The total fair value of shares vested and issued during the years ended December 31, 2015 and 2014 was $27,461 and $31,609 , respectively. The fair value of PSUs with market conditions was estimated on the date of grant using a Monte Carlo simulation model, which utilizes multiple variables that determine the probability of satisfying the market condition stipulated in the award. Expected volatilities for awards granted during the years ended December 31, 2015, 2014 and 2013 were based on the historical stock prices of the Company’s stock and peer insurance group. The expected term for grants issued during the years ended December 31, 2015, 2014 and 2013 was assumed to equal the average of the vesting period of the PSUs. The risk-free rate was based on the U.S. Treasury yield curve in effect at the time of grant. For awards granted during the year ended December 31, 2015 2014 2013 Expected volatility 19.06 % 24.66 % 26.76 % Expected term (years) 2.81 2.80 2.80 Risk free interest rate 0.99 % 0.66 % 0.39 % Long-Term Incentive Plan Prior to the approval of the ALTEIP, share based awards were granted under the 2004 Assurant Long-Term Incentive Plan (“ALTIP”), which authorized the granting of up to 10,000,000 new shares of the Company’s common stock to employees and officers under the ALTIP, Business Value Rights Program and CEO Equity Grants Program. Under the ALTIP, the Company was authorized to grant restricted stock and SARs. Since May 2008, no new grants have been made under this plan and the impact of these grants on the consolidated financial statements is immaterial. Employee Stock Purchase Plan Under the Employee Stock Purchase Plan (“ESPP”), the Company is authorized to issue up to 5,000,000 new shares to employees who are participants in the ESPP. The ESPP allows eligible employees to contribute, through payroll deductions, portions of their after-tax compensation in each offering period toward the purchase of shares of the Company’s common stock. There are two offering periods during the year (January 1 through June 30 and July 1 through December 31) and shares are purchased at the end of each offering period at 90% of the lower of the closing price of the common stock on the first or last day of the offering period. Participants’ contributions are limited to a maximum contribution of $7.5 per offering period, or $15 per year. The ESPP is offered to individuals who are scheduled to work at least 20 hours per week and at least five months per year, have been continuously employed for at least six months by the start of the offering period, are not temporary employees (employed less than 12 months ), and have not been on a leave of absence for more than 90 days immediately preceding the offering period. Participants must be employed on the last trading day of the offering period in order to purchase Company shares under the ESPP. The maximum number of shares that can be purchased each offering period is 5,000 shares per employee. In January 2016, the Company issued 59,102 shares at a discounted price of $61.70 for the offering period of July 1, 2015 through December 31, 2015. In January 2015, the Company issued 65,302 shares at a discounted price of $59.65 for the offering period of July 1, 2014 through December 31, 2014. In July 2015, the Company issued 65,320 shares to employees at a discounted price of $60.30 for the offering period of January 1, 2015 through June 30, 2015. In July 2014, the Company issued 65,867 shares to employees at a discounted price of $58.79 for the offering period of January 1, 2014 through June 30, 2014. The compensation expense recorded related to the ESPP was $1,277 , $1,201 and $1,098 for the years ended December 31, 2015, 2014 and 2013, respectively. The related income tax benefit for disqualified disposition was $186 , $147 and $208 for the years ended December 31, 2015, 2014 and 2013, respectively. The fair value of each award under the ESPP was estimated at the beginning of each offering period using the Black-Scholes option-pricing model and assumptions in the table below. Expected volatilities are based on implied volatilities from traded options on the Company’s stock and the historical volatility of the Company’s stock. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. The dividend yield is based on the current annualized dividend and share price as of the grant date. For awards issued during the year ended December 31, 2015 2014 2013 Expected volatility 16.79 - 17.67% 19.02 - 20.65% 18.30 - 25.40% Risk free interest rates 0.06 - 0.11% 0.09% 0.08 - 0.15% Dividend yield 1.58 - 1.62% 1.52 - 1.92% 2.34 - 2.38% Expected term (years) 0.5 0.5 0.5 Non-Stock Based Incentive Plans Deferred Compensation The deferred compensation programs consist of the AIP, the ASIC and the ADC Plans. The AIP and ASIC Plans provided key employees the ability to exchange a portion of their compensation for options to purchase certain third-party mutual funds. The AIP and ASIC Plans were frozen in December 2004 and no additional contributions can be made to either Plan. Effective March 1, 2005 and amended and restated on January 1, 2008, the ADC Plan was established in order to comply with the American Jobs Creation Act of 2004 (“Jobs Act”) and IRC Section 409A. The ADC Plan provides key employees the ability to defer a portion of their eligible compensation to be notionally invested in a variety of mutual funds. Deferrals and withdrawals under the ADC Plan are intended to be fully compliant with the Jobs Act definition of eligible compensation and distribution requirements.

Stock Repurchase

Stock Repurchase	12 Months Ended
	Dec. 31, 2015
Class of Stock Disclosures [Abstract]
Stock Repurchase	Stock Repurchase The following table shows the shares repurchased during the periods indicated: Period in 2015 Number of Shares Purchased Average Price Paid Per Share Total Number of Shares Purchased as Part of Publicly Announced Programs January 529,100 $ 65.51 529,100 February 120,000 61.07 120,000 March 645,000 61.50 645,000 April 640,000 61.20 640,000 May 472,000 64.89 472,000 June 482,586 67.19 482,586 July 303,807 70.98 303,807 August 67,436 73.67 67,436 September — — — October 924,960 80.26 924,960 November — — — December — — — Total 4,184,889 $ 68.02 4,184,889 On November 15, 2013 and September 9, 2015, the Company’s Board of Directors authorized the Company to repurchase up to $600,000 and $750,000 , respectively, of its outstanding common stock. During the year ended December 31, 2015, the Company repurchased 4,184,889 shares of the Company’s outstanding common stock at a cost of $284,567 , exclusive of commissions, leaving $952,103 remaining under the total repurchase authorization at December 31, 2015. The timing and the amount of future repurchases will depend on market conditions, the Company's financial condition, results of operations, liquidity and other factors.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income	Accumulated Other Comprehensive Income Certain amounts included in the consolidated statements of comprehensive income are net of reclassification adjustments. The following tables summarize those reclassification adjustments (net of taxes): Year Ended December 31, 2015 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2014 $ (127,711 ) $ 793,082 $ 26,594 $ (136,198 ) $ 555,767 Other comprehensive loss before reclassifications (143,023 ) (324,934 ) (2,746 ) (3,130 ) (473,833 ) Amounts reclassified from accumulated other comprehensive income (loss) — 27,295 (1,414 ) 10,734 36,615 Net current-period other comprehensive (loss) income (143,023 ) (297,639 ) (4,160 ) 7,604 (437,218 ) Balance at December 31, 2015 $ (270,734 ) $ 495,443 $ 22,434 $ (128,594 ) $ 118,549 Year Ended December 31, 2014 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2013 $ (38,767 ) $ 526,071 $ 26,427 $ (86,901 ) $ 426,830 Other comprehensive (loss) income before reclassifications (88,944 ) 235,000 (1,321 ) (56,647 ) 88,088 Amounts reclassified from accumulated other comprehensive income — 32,011 1,488 7,350 40,849 Net current-period other comprehensive (loss) income (88,944 ) 267,011 167 (49,297 ) 128,937 Balance at December 31, 2014 $ (127,711 ) $ 793,082 $ 26,594 $ (136,198 ) $ 555,767 Year Ended December 31, 2013 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2012 $ 6,882 $ 981,879 $ 23,861 $ (182,219 ) $ 830,403 Other comprehensive (loss) income before reclassifications (45,649 ) (478,853 ) (2,237 ) 77,938 (448,801 ) Amounts reclassified from accumulated other comprehensive income — 23,045 4,803 17,380 45,228 Net current-period other comprehensive (loss) income (45,649 ) (455,808 ) 2,566 95,318 (403,573 ) Balance at December 31, 2013 $ (38,767 ) $ 526,071 $ 26,427 $ (86,901 ) $ 426,830 The following tables summarize the reclassifications out of accumulated other comprehensive income. Details about accumulated other comprehensive income components Amount reclassified from accumulated other comprehensive income Affected line item in the statement where net income is presented Years Ended December 31, 2015 2014 2013 Unrealized gains on securities $ 41,992 $ 49,248 $ 35,454 Net realized gains on investments, excluding other-than-temporary impairment losses (14,697 ) (17,237 ) (12,409 ) Provision for income taxes $ 27,295 $ 32,011 $ 23,045 Net of tax OTTI $ (2,176 ) $ 2,289 $ 7,389 Portion of net loss (gain) recognized in other comprehensive income, before taxes 762 (801 ) (2,586 ) Provision for income taxes $ (1,414 ) $ 1,488 $ 4,803 Net of tax Amortization of pension and postretirement unrecognized net periodic benefit cost: Amortization of prior service cost $ (146 ) $ (97 ) $ (77 ) (1) Amortization of net loss 16,660 11,405 26,816 (1) 16,514 11,308 26,739 Total before tax (5,780 ) (3,958 ) (9,359 ) Provision for income taxes $ 10,734 $ 7,350 $ 17,380 Net of tax Total reclassifications for the period $ 36,615 $ 40,849 $ 45,228 Net of tax (1) These accumulated other comprehensive income components are included in the computation of net periodic pension cost. See Note 21 - Retirement and Other Employee Benefits for additional information

Statutory Information

Statutory Information	12 Months Ended
	Dec. 31, 2015
Insurance [Abstract]
Statutory Information	Statutory Information The Company’s 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 Company’s U.S. domiciled statutory insurance subsidiaries follow: Years Ended December 31, 2015 2014 2013 Statutory net income P&C companies $ 437,422 $ 440,930 $ 457,068 Life and Health companies (266,559 ) 67,270 148,851 Total statutory net income (1) $ 170,863 $ 508,200 $ 605,919 December 31, 2015 2014 Statutory capital and surplus P&C companies $ 1,137,978 $ 1,396,305 Life and Health companies 1,153,137 1,064,174 Total statutory capital and surplus $ 2,291,115 $ 2,460,479 (1) The decline in 2015 from 2014 is primarily due to higher loss experience and adverse claims development on 2015 individual major medical policies, a reduction in the 2014 estimated recoveries from the Affordable Care Act risk mitigation programs and $106,389 (after-tax) of exit and disposal costs, including premium deficiency reserves, severance and retention costs, long-lived asset impairments and similar exit and disposal costs related to the decision to exit the health business mentioned above. 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 amounts presented above do not include foreign insurance subsidiaries in accordance with SAP. Insurance enterprises are required by state insurance departments to adhere to minimum risk-based capital (“RBC”) requirements developed by the NAIC. All of the Company’s insurance subsidiaries exceed minimum RBC requirements. The payment of dividends to the Company by any of the Company’s regulated U.S domiciled insurance subsidiaries in excess of a certain amount (i.e., extraordinary dividends) must be approved by the subsidiary’s domiciliary state department of insurance. Ordinary dividends, for which no regulatory approval is generally required, are limited to amounts determined by a formula, which varies by state. The formula for the majority of the states in which the Company’s subsidiaries are domiciled is based on the prior year’s statutory net income or 10% of the statutory surplus as of the end of the prior year. Some states limit ordinary dividends to the greater of these two amounts, others limit them to the lesser of these two amounts and some states exclude prior year realized capital gains from prior year net income in determining ordinary dividend capacity. Some states have an additional stipulation that dividends may only be paid out of earned surplus. If insurance regulators determine that payment of an ordinary dividend or any other payments by the Company’s insurance subsidiaries to the Company (such as payments under a tax sharing agreement or payments for employee or other services) would be adverse to policyholders or creditors, the regulators may block such payments that would otherwise be permitted without prior approval. Based on the dividend restrictions under applicable laws and regulations, the maximum amount of dividends that the Company’s U.S domiciled insurance subsidiaries could pay to the Company in 2016 without regulatory approval is approximately $564,000 . No assurance can be given that there will not be further regulatory actions restricting the ability of the Company’s insurance subsidiaries to pay dividends. State regulators require insurance companies to meet minimum capitalization standards designed to ensure that they can fulfill obligations to policyholders. Minimum capital requirements are expressed as a ratio of a company’s total adjusted capital (“TAC”) to its risk-based capital (“RBC”) (the “RBC Ratio”). TAC is equal to statutory surplus adjusted to exclude certain statutory liabilities. RBC is calculated by applying specified factors to various asset, premium, expense, liability, and reserve items. Generally, if a company’s RBC Ratio is below 100% (the “Authorized Control Level”), the insurance commissioner of the company’s state of domicile is authorized to take control of the company, to protect the interests of policyholders. If the RBC Ratio is greater than 100% but less than 200% (the “Company Action Level”), the company must submit a RBC plan to the commissioner of the state of domicile. Corrective actions may also be required if the RBC Ratio is greater than the Company Action Level but the company fails certain trend tests. As of December 31, 2015, the TAC of each of our insurance subsidiaries exceeded the Company Action Level and no trend tests that would require regulatory action were violated. As of December 31, 2015, the TAC of our life and health entities subject to RBC requirements was $1,218,018 . The corresponding Authorized Control Level was $214,611 . As of December 31, 2015, the TAC of our P&C entities subject to RBC requirements was $1,137,978 . The corresponding Authorized Control Level was $233,544 .

Retirement And Other Employee B

Retirement And Other Employee Benefits	12 Months Ended
	Dec. 31, 2015
Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]
Retirement And Other Employee Benefits	Retirement and Other Employee Benefits Defined Benefit Plans The Company and its subsidiaries participate in a non-contributory, qualified defined benefit pension plan (“Assurant Pension Plan”) covering substantially all employees. The Assurant Pension Plan is considered “qualified” because it meets the requirements of Internal Revenue Code Section 401(a) (“IRC 401(a)”) and the Employee Retirement Income Security Act of 1974 (“ERISA”). The Assurant 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 employee’s compensation during certain such years of service. The Company’s funding policy is to contribute amounts to the Assurant Pension Plan sufficient to meet the minimum funding requirements in ERISA, plus such additional amounts as the Company may determine to be appropriate from time to time up to the maximum permitted. The funding policy considers several factors to determine such additional amounts, including items such as the amount of service cost plus 15% of the Assurant Pension Plan deficit and the capital position of the Company. During 2015, we contributed $10,750 in cash to the Assurant Pension Plan. Due to the Plan's current funding status, no cash is expected to be contributed to the Assurant Pension Plan over the course of 2016. 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. Assurant Pension Plan assets are maintained in a separate trust and as such are not included in the consolidated balance sheets of the Company. Plan assets and benefit obligations are measured as of December 31, 2015. The Company also has various non-contributory, non-qualified supplemental plans covering certain employees. Since these plans are “non-qualified” they are not subject to the laws and regulations of IRC 401(a) and ERISA. As such, the Company is not required, and does not, fund these plans. 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. As of January 1, 2014, the Assurant Pension Plan and Executive Pension Plans are no longer offered to new hires. Subsequently, effective January 1, 2016, the Assurant Pension Plan was amended and split into two separate plans (Plan No. 1 and Plan No. 2). The new Plan No. 2 will include a subset of the terminated vested population and the total in-payment population as of January 1, 2016. Assets for both plans will remain in the Assurant, Inc. Pension Plan Trust, however separate accounting entities will be maintained for Plan No. 1 and Plan No. 2. Effective March 1, 2016, the Assurant Pension Plan and various non-qualified pension plans (including an Executive Pension Plan) were frozen. No additional benefits will be earned after February 29, 2016. In addition, the Company provides certain life and health care benefits (“Retirement Health Benefits”) for retired employees and their dependents. On July 1, 2011, the Company terminated certain health care benefits for employees who did not qualify for “grandfathered” status and no longer offers these benefits to new hires. The Company contribution, plan design and other terms of the remaining benefits will not change for those grandfathered employees. The Company has the right to modify or terminate these benefits. Summarized information on the Company’s Pension Benefits and Retirement Health Benefits plans (together the “Plans”) for the years ended December 31 is as follows: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Change in projected benefit obligation Projected benefit obligation at beginning of year $ (1,064,042 ) $ (905,943 ) $ (956,172 ) $ (96,306 ) $ (79,046 ) $ (86,237 ) Service cost (41,989 ) (36,609 ) (38,580 ) (2,429 ) (2,188 ) (2,863 ) Interest cost (41,766 ) (43,613 ) (38,243 ) (3,834 ) (3,868 ) (3,473 ) Actuarial (loss) gain, including curtailments and settlements 52,201 (127,940 ) 89,029 5,938 (13,910 ) 11,213 Benefits paid 77,002 50,063 38,023 3,121 2,706 2,314 Projected benefit obligation at end of year $ (1,018,594 ) $ (1,064,042 ) $ (905,943 ) $ (93,510 ) $ (96,306 ) $ (79,046 ) Change in plan assets Fair value of plan assets at beginning of year $ 879,211 $ 786,750 $ 704,976 $ 50,068 $ 46,971 $ 45,651 Actual return on plan assets (5,458 ) 102,628 64,641 (291 ) 5,403 3,234 Employer contributions 37,664 41,384 56,217 200 400 400 Benefits paid (including administrative expenses) (78,731 ) (51,551 ) (39,084 ) (3,121 ) (2,706 ) (2,314 ) Fair value of plan assets at end of year $ 832,686 $ 879,211 $ 786,750 $ 46,856 $ 50,068 $ 46,971 Funded status at end of year $ (185,908 ) $ (184,831 ) $ (119,193 ) $ (46,654 ) $ (46,238 ) $ (32,075 ) In accordance with the guidance on retirement benefits, the Company aggregates the results of the qualified and non-qualified plans as “Pension Benefits” and is required to disclose the aggregate projected benefit obligation, accumulated benefit obligation and fair value of plan assets, if the obligations within those plans exceed plan assets. For the years ended December 31, 2015, 2014 and 2013, the projected benefit obligations, the accumulated benefit obligations of Pension Benefits, and fair value of plan assets are as follows: Qualified Pension Benefits Non-Qualified Pension Benefits Total Pension Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Fair value of plan assets $ 832,686 $ 879,211 $ 786,750 $ — $ — $ — $ 832,686 $ 879,211 $ 786,750 Projected benefit obligation (884,659 ) (908,167 ) (768,672 ) (133,935 ) (155,875 ) (137,271 ) (1,018,594 ) (1,064,042 ) (905,943 ) Funded status at end of year $ (51,973 ) $ (28,956 ) $ 18,078 $ (133,935 ) $ (155,875 ) $ (137,271 ) $ (185,908 ) $ (184,831 ) $ (119,193 ) Accumulated benefit obligation $ 764,654 $ 761,802 $ 645,431 $ 113,712 $ 133,185 $ 115,286 $ 878,366 $ 894,987 $ 760,717 The Pension Protection Act of 2006 (“PPA”) requires certain qualified plans, like the Assurant Pension Plan, to meet specified funding thresholds. If these funding thresholds are not met, there are negative consequences to the plan and participants. If the funded percentage falls below 80% , full payment of lump sum benefits as well as implementation of amendments improving benefits are restricted. As of January 1, 2015, the Assurant Pension Plan funded percentage was 136% on a PPA calculated basis (based on an actuarial average value of assets compared to the funding target). Therefore, benefit and payment restrictions did not occur during 2015. The 2015 funded measure will also be used to determine restrictions, if any, that can occur during the first nine months of 2016. Due to the funding status of the Assurant Pension Plan in 2015, no restrictions will exist before October 2016 (the time that the January 1, 2016 actuarial valuation needs to be completed). Also, based on the estimated funded status as of January 1, 2016, the Company does not anticipate any restrictions on benefits for the remainder of 2016. Amounts recognized in the consolidated balance sheets consist of: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Assets $ — $ — $ 18,078 $ — $ — $ — Liabilities $ (185,908 ) $ (184,831 ) $ (137,271 ) $ (46,654 ) $ (46,238 ) $ (32,075 ) Amounts recognized in accumulated other comprehensive income consist of: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Net (loss) gain $ (201,578 ) $ (210,859 ) $ (147,288 ) $ 1,987 $ (394 ) $ 11,710 Prior service (cost) credit (2,339 ) (3,272 ) (4,119 ) 4,236 5,169 6,102 $ (203,917 ) $ (214,131 ) $ (151,407 ) $ 6,223 $ 4,775 $ 17,812 Components of net periodic benefit cost and other amounts recognized in accumulated other comprehensive income for the years ended December 31 were as follows: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Net periodic benefit cost Service cost $ 41,989 $ 36,609 $ 38,580 $ 2,429 $ 2,188 $ 2,863 Interest cost 41,766 43,613 38,243 3,834 3,868 3,473 Expected return on plan assets (53,868 ) (49,552 ) (44,222 ) (3,267 ) (3,081 ) (2,998 ) Amortization of prior service cost 787 836 856 (933 ) (933 ) (933 ) Amortization of net loss (gain) 16,660 11,921 26,816 — (516 ) — Curtailment/settlement charge 1,622 871 — — — — Net periodic benefit cost $ 48,956 $ 44,298 $ 60,273 $ 2,063 $ 1,526 $ 2,405 Other changes in plan assets and benefit obligations recognized in accumulated other comprehensive income Net loss (gain) $ 9,099 $ 75,909 $ (108,387 ) $ (2,382 ) $ 11,588 $ (11,449 ) Amortization of prior service cost, and effects of curtailments/settlements (933 ) (847 ) (856 ) 933 933 933 Amortization of net (loss) gain (18,381 ) (12,338 ) (26,816 ) — 516 — Total recognized in accumulated other comprehensive income $ (10,215 ) $ 62,724 $ (136,059 ) $ (1,449 ) $ 13,037 $ (10,516 ) Total recognized in net periodic benefit cost and other comprehensive income loss $ 38,741 $ 107,022 $ (75,786 ) $ 614 $ 14,563 $ (8,111 ) The Company uses a five -year averaging method to determine the market-related value of Pension Benefits plan assets, which is used to calculate the expected return of plan assets component of the Plans’ expense. Under this methodology, asset gains/losses that result from actual returns which differ from the Company’s expected long-term rate of return on assets assumption are recognized in the market-related value of assets on a level basis over a five year period. The difference between actual as compared to expected asset returns for the Plans will be fully reflected in the market-related value of plan assets over the next five years using the methodology described above. Other post-employment benefit assets under the Retirement Health Benefits are valued at fair value. The estimated net loss and prior service cost of Pension Benefits that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year are $8,699 and $435 , respectively. The prior service credit of Retirement Health Benefits that will be amortized from accumulated other comprehensive income into net periodic credit over the next fiscal year is $933 . There was no estimated net gain (loss) of Retirement Health Benefits that will be amortized from accumulated other comprehensive income into net periodic cost over the next fiscal year. Determination of the projected benefit obligation was based on the following weighted-average assumptions for the years ended December 31: Qualified Pension Benefits Nonqualified Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Discount rate 4.55 % 4.09 % 4.98 % 4.25 % 3.77 % 4.64 % 4.53 % 4.07 % 4.99 % Determination of the net periodic benefit cost was based on the following weighted-average assumptions for the years ended December 31: Qualified Pension Benefits Nonqualified Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Discount rate 4.09 % 4.98 % 4.12 % 3.77 % 4.64 % 3.71 % 4.07 % 4.99 % 4.12 % Expected long-term return on plan assets 6.75 % 6.75 % 6.75 % — — — 6.75 % 6.75 % 6.75 % * Assumed rates of compensation increases are also used to determine net periodic benefit cost. Assumed rates varied by age and ranged from 3.25% to 9.30% for the Pension Benefits for the years ended December 31, 2015, 2014 and 2013. The selection of our discount rate assumption reflects the rate at which the Plans’ obligations could be effectively settled at December 31, 2015, 2014 and 2013. The methodology for selecting the discount rate was to match each Plan’s cash flows to that of a yield curve that provides the equivalent yields on zero-coupon corporate bonds for each maturity. The yield curve utilized in the cash flow analysis was comprised of 281 bonds rated AA by either Moody’s or Standard & Poor’s with maturities between zero and thirty years. The discount rate for each Plan is the single rate that produces the same present value of cash flows. As of December 31, 2015, we have chosen to implement a split rate approach for purposes of determining the benefit obligations and service cost as well as a spot rate approach for the calculation of interest on these items in the determination of the net periodic benefit cost. This change is a refinement in the methodology used to determine these amounts in the accounting for defined benefit retirement plans under U.S. GAAP. Due to the new spot rate approach, the rates shown above as of December 31, 2015 are the single equivalent rates for the projected benefit obligations based on the December 31, 2015 yield curve spot rates. To develop the expected long-term rate of return on assets assumption, the Company considered the current level of expected returns on risk free investments (primarily government bonds), the historical level of the risk premium associated with the other asset classes in which the portfolio is invested and the expectations for future returns of each asset class. The expected long-term rate of return on plan assets reflects the average rate of earnings expected on the funds invested or to be invested. The expected return for each asset class was then weighted based on the targeted asset allocation to develop the expected long-term rate of return on asset assumptions for the portfolio. The Company believes the current assumption reflects the projected return on the invested assets, given the current market conditions and the modified portfolio structure. Actual return on plan assets was (0.6)% and 13.0% for the years ended December 31, 2015 and 2014, respectively. The assumed health care cost trend rates used in measuring the accumulated postretirement benefit obligation and net periodic benefit cost were as follows: Retirement Health Benefits 2015 2014 2013 Health care cost trend rate assumed for next year: Pre-65 Non-reimbursement Plan 9.3 % 8.1 % 8.7 % Post-65 Non-reimbursement Plan (Medical) 5.7 % 8.0 % 8.5 % Post-65 Non-reimbursement Plan (Rx) 10.2 % 8.0 % 8.5 % Pre-65 Reimbursement Plan 8.1 % 8.1 % 8.7 % Post-65 Reimbursement Plan 8.1 % 8.1 % 8.7 % Rate to which the cost trend rate is assumed to decline (the ultimate trend rate) 4.5 % 4.5 % 4.5 % Year that the rate reaches the ultimate trend rate Pre-65 Non-reimbursement Plan 2030 2028 2028 Post-65 Non-reimbursement Plan (Medical & Rx) 2030 2028 2028 Pre-65 Reimbursement Plan 2030 2028 2028 Post-65 Reimbursement Plan 2030 2028 2028 Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plans. A one-percentage point change in assumed health care cost trend rates would have the following effects: Retirement Health Benefits 2015 2014 2013 One percentage point increase in health care cost trend rate Effect on total of service and interest cost components $ 38 $ 39 $ 43 Effect on postretirement benefit obligation 622 646 601 One percentage point decrease in health care cost trend rate Effect on total of service and interest cost components $ (59 ) $ (60 ) $ (66 ) Effect on postretirement benefit obligation (908 ) (933 ) (884 ) The assets of the Plans are managed to maximize their long-term pre-tax investment return, subject to the following dual constraints: minimization of required contributions and maintenance of solvency requirements. It is anticipated that periodic contributions to the Plans will, for the foreseeable future, be sufficient to meet benefit payments thus allowing the balance to be managed according to a long-term approach. The Investment Committee for the Plans meets on a quarterly basis and reviews the re-balancing of existing fund assets and the asset allocation of new fund contributions. The goal of our asset strategy is to ensure that the growth in the value of the fund over the long-term, both in real and nominal terms, manages (controls) risk exposure. Risk is managed by investing in a broad range of asset classes, and within those asset classes, a broad range of individual securities. Diversification by asset classes stabilizes total fund results over short-term time periods. Each asset class is externally managed by outside investment managers appointed by the Investment Committee. Derivatives may be used consistent with the Plan’s investment objectives established by the Investment Committee. All securities must be U.S. dollar denominated. In 2015, 7% of the Plans’ assets were allocated to Meisirow Institutional Multi-Strategy Fund, L.P. (“MIMSF”). MIMSF is a multi-strategy product for U.S. tax-exempt investors subject to ERISA. MIMSF allocates to five primary sub-strategies including hedged equity, credit, event, relative value and multi-strategy. Allocations to these sub-strategies will shift over time depending upon MIMSF’s investment outlook. MIMSF is managed to be broadly diversified in terms of both strategy and manager exposures. The Investment Committee that oversees the investment of the plan assets conducts an annual review of the investment strategies and policies of the Plans. This includes a review of the strategic asset allocation, including the relationship of the Plans’ liabilities and portfolio structure. As a result of this review, the Investment Committee adopted the current target asset allocation. The allocation is consistent with 2014. The Plans’ Asset Allocation Percentages Financial Assets (1) Low Target (2) High Equity securities: Common stock- U.S. listed small cap 5.0 % 7.5 % 10.0 % Mutual fund- U.S. listed large cap 10.0 % 15.0 % 20.0 % Common/collective trust- foreign listed 5.0 % 7.5 % 10.0 % Fixed maturity securities: U.S. & foreign government and government agencies and authorities 6.5 % 9.0 % 11.5 % Corporate- U.S. & foreign investment grade 31.0 % 33.5 % 36.0 % Corporate- U.S. & foreign high yield 5.0 % 7.5 % 10.0 % Alternative investment fund: Multi-strategy hedge fund 5.5 % 8.0 % 10.5 % Commingled real estate fund 3.5 % 6.0 % 8.5 % Private equity fund — % 6.0 % 8.5 % (1) The Plans’ long-term asset allocation targets are 30% equity, 50% fixed income and 20% investment funds. The Company invests certain plan assets in investment funds, examples of which include real estate investment funds and private equity funds. Amounts allocated for these investments are included in the alternative investment funds caption of the asset allocation at December 31, 2015, provided in the section above. (2) It is understood that these guidelines are targets and that deviations may occur periodically as a result of cash flows, market impact or short-term decisions implemented by either the Investment Committee or their investment managers. The assets of the Plans are primarily invested in fixed maturity and equity securities. While equity risk is fully retained, interest rate risk is hedged by aligning the duration of the fixed maturity securities with the duration of the liabilities. Specifically, interest rate swaps are used to synthetically extend the duration of fixed maturity securities to match the duration of the liabilities, as measured on a projected benefit obligation basis. In addition, the Plans’ fixed income securities have exposure to credit risk. In order to adequately diversify and limit exposure to credit risk, the Investment Committee established parameters which include a limit on the asset types that managers are permitted to purchase, maximum exposure limits by sector and by individual issuer (based on asset quality) and minimum required ratings on individual securities. As of December 31, 2015, 49% of plan assets were invested in fixed maturity securities and 15% , 12% and 9% of those securities were concentrated in the financial, communications and consumer non-cyclical industries, with no exposure to any single creditor in excess of 4% , 6% and 7% of those industries, respectively. As of December 31, 2015, 33% of plan assets were invested in equity securities and 52% of the Plans’ equity securities were invested in a mutual fund that attempts to replicate the return of the Standard & Poor’s 500 index (“S&P 500”) by investing its assets in large capitalization stocks that are included in the S&P 500 using a weighting similar to the S&P 500. The fair value hierarchy for the Company’s qualified pension plan and other post retirement benefit plan assets at December 31, 2015 by asset category, is as follows: Qualified Pension Benefits December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 30,628 $ — $ 30,628 $ — Equity securities: Common stock- U.S. listed small cap 66,948 66,948 — — Preferred stock 4,420 4,420 — — Mutual funds- U.S. listed large cap 141,580 141,580 — — Common/collective trust- foreign listed 57,948 — 57,948 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 126,531 — 126,531 — Corporate- U.S. & foreign investment grade 221,766 — 221,766 — Corporate- U.S. & foreign high yield 57,238 — 57,238 — Investment fund: Multi-strategy hedge fund 61,761 — — 61,761 Commingled real estate fund 49,643 — 49,643 — Private equity fund 6,210 — — 6,210 Derivatives: Interest rate swap 14,024 — 14,024 — Total financial assets $ 838,697 (1) $ 212,948 $ 557,778 $ 67,971 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. Retirement Health Benefits December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 1,723 $ — $ 1,723 $ — Equity securities: Common stock- U.S. listed small cap 3,767 3,767 — — Preferred stock 249 249 — — Mutual funds- U.S. listed large cap 7,967 7,967 — — Common/collective trust- foreign listed 3,261 — 3,261 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 7,120 — 7,120 — Corporate- U.S. & foreign investment grade 12,479 — 12,479 — Corporate- U.S. & foreign high yield 3,221 — 3,221 — Investment fund: Multi-strategy hedge fund 3,475 — — 3,475 Commingled real estate fund 2,794 — 2,794 — Private equity fund 350 — — 350 Derivatives: Interest rate swap 789 — 789 — Total financial assets $ 47,195 (1) $ 11,983 $ 31,387 $ 3,825 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. The fair value hierarchy for the Company’s qualified pension plan and other post retirement benefit plan assets at December 31, 2014 by asset category, is as follows: Qualified Pension Benefits December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 41,165 $ — $ 41,165 $ — Equity securities: Common stock- U.S. listed small cap 63,761 63,761 — — Preferred stock 4,209 4,209 — — Mutual funds- U.S. listed large cap 191,240 191,240 — — Common/collective trust- foreign listed 59,249 — 59,249 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 121,694 — 121,694 — Corporate- U.S. & foreign investment grade 226,078 — 226,078 — Corporate- U.S. & foreign high yield 55,759 — 55,759 — Investment fund: Multi-strategy hedge fund 63,132 — — 63,132 Commingled real estate fund 43,471 — 43,471 — Private equity fund 4,614 — — 4,614 Derivatives: Interest rate swap 14,242 — 14,242 — Total financial assets $ 888,614 (1) $ 259,210 $ 561,658 $ 67,746 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. Retirement Health Benefits December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 2,344 $ — $ 2,344 $ — Equity securities: Common stock- U.S. listed small cap 3,631 3,631 — — Preferred stock 240 240 — — Mutual funds- U.S. listed large cap 10,890 10,890 — — Common/collective trust- foreign listed 3,374 — 3,374 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 6,930 — 6,930 — Corporate- U.S. & foreign investment grade 12,874 — 12,874 — Corporate- U.S. & foreign high yield 3,175 — 3,175 — Investment fund: Multi-strategy hedge fund 3,595 — — 3,595 Commingled real estate fund 2,476 — 2,476 — Private equity fund 263 — — 263 Derivatives: Interest rate swap 811 — 811 — Total financial assets $ 50,603 (1) $ 14,761 $ 31,984 $ 3,858 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. The following table for the Company’s qualified pension plan and retirement health benefit plan summarizes the change in fair value associated with the MIMSF and Private Equity Partners XI Limited Partnership, the only Level 3 financial assets. Pension Benefit Retirement Health Benefit Beginning balance at December 31, 2014 $ 67,746 $ 3,858 Purchases 1,403 79 Refund of capital (86 ) (5 ) Actual return on plan assets and plan expenses still held at the reporting date (1,092 ) (107 ) Ending balance at December 31, 2015 $ 67,971 $ 3,825 For all the financial assets included in the above hierarchy, the market valuation technique is used. For the year ended December 31, 2015, the application of the valuation technique applied to similar assets has been consistent. Level 1 and Level 2 securities are valued using various observable market inputs obtained from a pricing service. The pricing service prepares estimates of fair value measurements for our Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observable market inputs. Observable market inputs for Level 1 and 2 securities are consistent with the observable market inputs described in Note 6 - Fair Value Disclosures. The MIFSF utilizes all three levels of inputs to price its holdings. Since unobservable inputs may have been significant to the fair value measurement, it was classified as Level 3. The Company obtains one price for each investment. A quarterly analysis is performed to assess if the evaluated prices represent a reasonable estimate of their fair value. This process involves quantitative and qualitative analysis and is overseen by benefits, investment and accounting professionals. Examples of procedures performed include, but are not limited to, initial and on-going review of pricing service methodologies, review of pricing statistics and trends, and comparison of prices for certain securities with two different appropriate price sources for reasonableness. Following this analysis, the Company uses the best estimate of fair value based upon all available inputs. The pricing service provides information regarding their pricing procedures so that the Company can properly categorize the Plans’ financial assets in the fair value hierarchy. Due to the Plan's current funding status, no contributions are expected to be made to its qualified pension plan in 2016. No contributions are expected to be made to the retirement health benefit plan in 2016. The following pension benefits, which reflect expected future service, as appropriate, are expected to be paid: Pension Benefits Retirement Health Benefits 2016 $ 60,555 $ 4,000 2017 58,245 4,361 2018 57,881 4,708 2019 60,056 5,066 2020 75,144 5,446 2021 - 2025 394,654 32,844 Total $ 706,535 $ 56,425 Defined Contribution Plan The Company and its subsidiaries participate in a defined contribution plan covering substantially all employees. The defined contribution plan provides benefits payable to participants on retirement or disability and to beneficiaries of participants in the event of the participant’s death. The amounts expensed by the Company related to this plan were $44,455 , $44,796 and $39,263 in 2015, 2014, and 2013, respectively.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Information	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 mobile device protection products and services; debt protection administration; credit insurance; extended service products and related services for consumer electronics, appliances and vehicles; and pre-funded funeral insurance. Assurant Specialty Property provides lender-placed homeowners insurance; property preservation and valuation services; flood insurance; renters insurance and related products; and manufactured housing homeowners insurance. Assurant Health provides individual health and small employer group health insurance. Assurant Employee Benefits primarily provides group dental insurance, group disability insurance and group life insurance. Corporate & Other includes activities of the holding company, financing and interest expenses, net realized gains (losses) on investments and interest income earned from short-term investments held. Corporate & Other also includes the amortization of deferred gains associated with the sales of Fortis Financial Group and Long-Term Care through reinsurance agreements. Beginning January 1, 2015, segment assets for Assurant Solutions and Assurant Specialty Property include their proportionate share of goodwill. As previously announced, the Company concluded a comprehensive review of its portfolio and decided to sharpen its focus on specialty housing and lifestyle protection products and services. As a result, the Company will exit the health insurance market and has signed a definitive agreement to sell its Assurant Employee Benefits segment. See Note 3 and Note 4, respectively, for more information. The Company evaluates performance of the operating segments based on segment income (loss) after-tax excluding realized gains (losses) on investments. The Company determines reportable segments in a manner consistent with the way the Chief Operating Decision Maker makes operating decisions and assesses 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: Year Ended December 31, 2015 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 3,015,846 $ 2,044,701 $ 2,223,696 $ 1,066,754 $ — $ 8,350,997 Net investment income 376,683 92,859 24,487 110,998 21,190 626,217 Net realized gains on investments — — — — 31,826 31,826 Amortization of deferred gain on disposal of businesses — — — — 12,988 12,988 Fees and other income 785,611 405,545 54,622 25,006 32,682 1,303,466 Total revenues 4,178,140 2,543,105 2,302,805 1,202,758 98,686 10,325,494 Benefits, losses and expenses Policyholder benefits 919,403 788,549 2,301,241 730,192 3,150 4,742,535 Amortization of deferred acquisition costs and value of business acquired 1,078,551 280,492 10,694 32,836 — 1,402,573 Underwriting, general and administrative expenses 1,903,712 1,010,445 516,726 365,921 127,285 3,924,089 Interest expense — — — — 55,116 55,116 Total benefits, losses and expenses 3,901,666 2,079,486 2,828,661 1,128,949 185,551 10,124,313 Segment income (loss) before provision (benefit) for income taxes 276,474 463,619 (525,856 ) 73,809 (86,865 ) 201,181 Provision (benefit) for income taxes 79,291 155,914 (157,949 ) 26,487 (44,117 ) 59,626 Segment income (loss) after taxes $ 197,183 $ 307,705 $ (367,907 ) $ 47,322 $ (42,748 ) Net income $ 141,555 Segment assets (1): $ 14,356,484 $ 3,648,738 $ 1,437,032 $ 2,190,808 $ 8,410,066 $ 30,043,128 (1) Beginning January 1, 2015, goodwill is included on the respective segment balance sheets. Prior to January 1, 2015, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. (1) As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets. Year Ended December 31, 2014 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 3,128,868 $ 2,506,097 $ 1,945,452 $ 1,051,725 $ — $ 8,632,142 Net investment income 382,640 101,908 35,369 117,192 19,320 656,429 Net realized gains on investments — — — — 60,783 60,783 Amortization of deferred gain on disposal of businesses — — — — (1,506 ) (1,506 ) Fees and other income 667,852 301,048 40,016 24,204 685 1,033,805 Total revenues 4,179,360 2,909,053 2,020,837 1,193,121 79,282 10,381,653 Benefits, losses and expenses Policyholder benefits 1,027,469 1,085,339 1,575,633 716,892 — 4,405,333 Amortization of deferred acquisition costs and value of business acquired 1,106,889 343,314 4,570 30,785 — 1,485,558 Underwriting, general and administrative expenses 1,723,169 961,972 491,248 368,763 143,078 3,688,230 Interest expense — — — — 58,395 58,395 Total benefits, losses and expenses 3,857,527 2,390,625 2,071,451 1,116,440 201,473 9,637,516 Segment income (loss) before provision (benefit) for income taxes 321,833 518,428 (50,614 ) 76,681 (122,191 ) 744,137 Provision (benefit) for income taxes 102,885 176,671 13,134 28,000 (47,460 ) 273,230 Segment income (loss) after taxes $ 218,948 $ 341,757 $ (63,748 ) $ 48,681 $ (74,731 ) Net income $ 470,907 Segment assets: Segment assets, excluding goodwill $ 14,260,609 $ 4,010,393 $ 1,210,615 $ 2,242,145 $ 8,997,465 $ 30,721,227 Goodwill 841,239 Total assets $ 31,562,466 Year Ended December 31, 2013 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 2,783,758 $ 2,380,044 $ 1,581,407 $ 1,014,587 $ — $ 7,759,796 Net investment income 376,245 98,935 36,664 117,853 20,599 650,296 Net realized gains on investments — — — — 34,525 34,525 Amortization of deferred gain on disposal of businesses — — — — 16,310 16,310 Fees and other income 400,370 133,135 29,132 23,434 659 586,730 Total revenues 3,560,373 2,612,114 1,647,203 1,155,874 72,093 9,047,657 Benefits, losses and expenses Policyholder benefits 895,504 890,409 1,169,075 715,656 4,888 3,675,532 Amortization of deferred acquisition costs and value of business acquired 1,132,298 309,332 801 27,856 — 1,470,287 Underwriting, general and administrative expenses 1,341,961 758,941 434,749 360,303 138,450 3,034,404 Interest expense — — — — 77,735 77,735 Total benefits, losses and expenses 3,369,763 1,958,682 1,604,625 1,103,815 221,073 8,257,958 Segment income (loss) before provision (benefit) for income taxes 190,610 653,432 42,578 52,059 (148,980 ) 789,699 Provision (benefit) for income taxes 65,458 229,846 36,721 17,506 (48,739 ) 300,792 Segment income (loss) after taxes $ 125,152 $ 423,586 $ 5,857 $ 34,553 $ (100,241 ) Net income $ 488,907 Segment assets: Segment assets, excluding goodwill $ 13,321,648 $ 3,858,314 $ 884,077 $ 2,298,698 $ 8,567,391 $ 28,930,128 Goodwill 784,561 Total assets $ 29,714,689 The Company operates primarily in the U.S. and Canada, but also in select international markets. The following table summarizes selected financial information by geographic location for the years ended or as of December 31: Location Revenues Long-lived assets 2015 United States $ 8,917,732 $ 293,915 Foreign countries 1,407,762 4,499 Total $ 10,325,494 $ 298,414 2014 United States $ 8,874,820 $ 272,555 Foreign countries 1,506,833 5,090 Total $ 10,381,653 $ 277,645 2013 United States $ 7,792,728 $ 248,331 Foreign countries 1,254,929 5,299 Total $ 9,047,657 $ 253,630 Revenue is based in the country where the product was sold and long-lived assets, which are primarily property and equipment, are based on the physical location of those assets. There are no reportable major customers that account for 10% or more of the Company’s consolidated revenues. The Company’s net earned premiums by segment and product are as follows: 2015 2014 2013 Solutions: Credit $ 386,341 $ 478,898 $ 547,100 Service contracts 2,446,829 2,481,793 2,057,353 Preneed 60,403 61,093 66,523 Other 122,273 107,084 112,782 Total $ 3,015,846 $ 3,128,868 $ 2,783,758 Specialty Property: Homeowners (lender-placed and voluntary) $ 1,425,799 $ 1,743,965 $ 1,678,172 Manufactured housing (lender-placed and voluntary) 165,657 237,576 226,058 Other 453,245 524,556 475,814 Total $ 2,044,701 $ 2,506,097 $ 2,380,044 Health: Individual $ 1,895,970 $ 1,544,968 $ 1,174,141 Small employer group 327,726 400,484 407,266 Total $ 2,223,696 $ 1,945,452 $ 1,581,407 Employee Benefits: Group disability $ 398,172 $ 409,028 $ 403,286 Group dental 396,925 392,502 383,223 Group life 204,526 200,285 192,392 Group supplemental and vision products 67,131 49,910 35,686 Total $ 1,066,754 $ 1,051,725 $ 1,014,587

Earnings per common share

Earnings per common share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings per common share	Earnings per common share 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, 2015 2014 2013 Numerator Net income $ 141,555 $ 470,907 $ 488,907 Deduct dividends paid (94,168 ) (77,495 ) (74,128 ) Undistributed earnings $ 47,387 $ 393,412 $ 414,779 Denominator Weighted average shares outstanding used in basic earnings per share calculations 68,163,825 72,181,447 76,648,688 Incremental common shares from: SARs — — 65,712 PSUs 789,547 905,648 864,572 ESPP 63,837 64,915 75,792 Weighted average shares used in diluted earnings per share calculations 69,017,209 73,152,010 77,654,764 Earnings per common share – Basic Distributed earnings $ 1.38 $ 1.06 $ 0.96 Undistributed earnings 0.70 5.46 5.42 Net income $ 2.08 $ 6.52 $ 6.38 Earnings per common share – Diluted Distributed earnings $ 1.36 $ 1.06 $ 0.95 Undistributed earnings 0.69 5.38 5.35 Net income $ 2.05 $ 6.44 $ 6.30 There were no anti-dilutive SARs or PSUs outstanding for the years ended December 31, 2015, 2014 and 2013.

Quarterly Results Of Operations

Quarterly Results Of Operations (Unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Results Of Operations (Unaudited)	Quarterly Results of Operations (Unaudited) The Company’s quarterly results of operations for the years ended December 31, 2015 and 2014 are summarized in the tables below: Three Month Periods Ended March 31 June 30 September 30 December 31 2015 Total revenues $ 2,598,610 $ 2,644,894 $ 2,534,156 $ 2,547,834 Income (loss) before provision (benefit) for income taxes 83,193 40,025 (32,251 ) 110,214 Net income (loss) 50,044 32,789 (7,022 ) 65,744 Basic per share data: Income (loss) before provision (benefit) for income taxes $ 1.19 $ 0.58 $ (0.48 ) $ 1.65 Net income (loss) $ 0.72 $ 0.48 $ (0.10 ) $ 0.99 Diluted* per share data: Income (loss) before provision (benefit) for income taxes $ 1.18 $ 0.58 $ (0.48 ) $ 1.63 Net income (loss) $ 0.71 $ 0.47 $ (0.10 ) $ 0.97 March 31 June 30 September 30 December 31 2014 Total revenues $ 2,448,372 $ 2,608,101 $ 2,702,488 $ 2,622,692 Income before provision for income taxes 235,253 193,787 224,751 90,346 Net income 137,245 143,610 140,297 49,755 Basic per share data: Income before provision for income taxes $ 3.23 $ 2.67 $ 3.11 $ 1.27 Net income $ 1.88 $ 1.98 $ 1.94 $ 0.70 Diluted per share data: Income before provision for income taxes $ 3.18 $ 2.63 $ 3.08 $ 1.25 Net income $ 1.86 $ 1.95 $ 1.92 $ 0.69 * In accordance with earnings per share guidance, diluted per share amounts are computed in the same manner as basic per share amounts when a loss from operations exists. Third quarter 2015 results reflect adverse claims development on 2015 individual major medical policies, premium deficiency reserve strengthening and severance and other exit-related charges associated with our exit from the health insurance market. Fourth quarter 2014 results were primarily affected by increased claims in the Assurant Health segment, decreased net income in the Assurant Specialty Property segment due to normalization of our lender-placed business and a previously disclosed $19,400 net loss on the sale of ARIC.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	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 December 31, 2015, the aggregate future minimum lease payments under these operating lease agreements that have initial or non-cancelable terms in excess of one year are: 2016 $ 24,590 2017 20,069 2018 16,457 2019 11,407 2020 8,171 Thereafter 14,944 Total minimum future lease payments (a) $ 95,638 (a) Minimum future lease payments exclude $14,031 of sublease rental income. Rent expense was $31,784 , $30,260 and $27,271 for 2015, 2014 and 2013, respectively. Sublease income was $2,380 in 2015. In the normal course of business, letters of credit are issued primarily to support reinsurance arrangements in which the Company is the reinsurer. These letters of credit are supported by commitments under which the Company is required to indemnify the financial institution issuing the letter of credit if the letter of credit is drawn. The Company had $19,809 and $17,871 of letters of credit outstanding as of December 31, 2015 and 2014, respectively. On January 16, 2015, at the request of the Indiana Department of Insurance, the National Association of Insurance Commissioners (the "NAIC") authorized a multistate targeted market conduct examination regarding the Company's lender placed insurance products. Various underwriting companies, including American Security Insurance Company, are subject to the examination. At present, 43 jurisdictions are participating. During the course of 2015, the Company has cooperated in responding to requests for information and documents and has engaged in various communications with the examiners. The examination continues and no final report has been issued. In addition, as previously disclosed, the Company is involved in a variety of litigation relating to its current and past business operations and, from time to time, it may become involved in other such actions. In particular, the Company is a defendant in class actions in a number of jurisdictions regarding its lender-placed insurance programs. These cases assert a variety of claims under a number of legal theories. The plaintiffs seek premium refunds and other relief. The Company continues to defend itself vigorously in these class actions. We have participated and may participate in settlements on terms that we consider reasonable given the strength of our defenses and other factors. In July 2007 an Assurant subsidiary acquired Swansure Group, a privately held U.K. company, which owned D&D Homecare Limited (“D&D”). D&D was a packager of mortgages and certain insurance products, including Payment Protection Insurance (“PPI”) policies that, for a period of time, were underwritten by an Assurant subsidiary and sold by various alleged agents, including Carrington Carr Home Finance Limited (“CCHFL”), which is now in administration. In early 2014, as a result of consumer complaints alleging that CCHFL missold certain D&D-packaged PPI policies between August 8, 2003 and November 1, 2004, the U.K. Financial Ombudsman Service (“FOS”) requested that an Assurant subsidiary, Assurant Intermediary Limited (“AIL”), review complaints relating to CCHFL’s sale of such PPI policies. In late 2015, the FOS issued a provisional decision in favor of AIL’s challenge to the FOS’s jurisdiction on the CCHF population of cases. The provisional decision also provided the parties with the opportunity to provide further submissions before a final decision would be confirmed. In February 2016, the FOS confirmed the provisional decision in favor of AIL. The Company has established an accrued liability for the legal and regulatory proceedings discussed above. However, the possible loss or range of loss resulting from such litigation and regulatory proceedings, if any, in excess of the amounts accrued is inherently unpredictable and uncertain. Consequently, no estimate can be made of any possible loss or range of loss in excess of the accrual. Although the Company cannot predict the outcome of any pending legal or regulatory action, or the potential losses, fines, penalties or equitable relief, if any, that may result, it is possible that such outcome could have a material adverse effect on the Company’s consolidated results of operations or cash flows for an individual reporting period. However, based on currently available information, management does not believe that the pending matters are likely to have a material adverse effect, individually or in the aggregate, on the Company’s financial condition.

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2015
Business Combinations [Abstract]
Acquisitions	Acquisitions There were no material acquisitions in 2015. On October 31, 2014, the Company acquired CWI Group, a mobile insurance administrator in France, for €56,937 ( $71,393 ) in cash. In connection with the acquisition, the Company recorded €26,485 ( $33,399 ) of customer and market based intangible assets, all of which are amortizable over 1 to 8 year periods, and €37,369 ( $47,123 ) of goodwill, none of which is tax-deductible. The acquisition agreement also calls for a potential earnout based on future performance. The primary factor contributing to the recognition of goodwill is the future expected growth of this business within Assurant Solutions. On September 3, 2014, the Company acquired eMortgage Logic, LLC, a national provider of residential valuation products and valuation technology services. The acquisition-date fair value of the consideration transferred totaled $28,263 , which primarily consists of an initial cash payment of $17,000 and a contingent payment of $10,231 . The contingent consideration arrangement is based on future expected revenue. In connection with the acquisition, the Company recorded $11,270 of customer and technology based intangible assets, all of which are amortizable over 3 to 11 year periods, and $14,058 of goodwill, all of which is tax- deductible. The primary factor contributing to the recognition of goodwill is the future expected growth of this business within Assurant Specialty Property. On April 16, 2014, the Company acquired StreetLinks, LLC, a leading independent appraisal management company, from Novation Companies, Inc. The acquisition-date fair value of the consideration transferred totaled $65,905 , which consists of an initial cash payment of $60,905 and a contingent payment of $5,000 . The contingent consideration arrangement is based on future expected revenue. In connection with the acquisition, the Company recorded $47,970 of customer and technology based intangible assets, all of which are amortizable over 2 to 12 year periods, and $14,738 of goodwill, none of which is tax-deductible. The primary factor contributing to the recognition of goodwill is the future expected growth of this business within Assurant Specialty Property.

Schedule I - Summary Of Investm

Schedule I - Summary Of Investments Other -Than-Investments In Related Parties	12 Months Ended
	Dec. 31, 2015
Summary of Investments, Other than Investments in Related Parties [Abstract]
Summary Of Investments Other-Than-Investments In Related Parties	Schedule I – Summary of Investments Other–Than–Investments in Related Parties Cost or Amortized Cost Fair Value Amount at which shown in balance sheet (in thousands) Fixed maturity securities: United States Government and government agencies and authorities $ 150,681 $ 154,035 $ 154,035 States, municipalities and political subdivisions 647,335 695,630 695,630 Foreign governments 497,785 562,250 562,250 Asset-backed 3,499 4,662 4,662 Commercial mortgage-backed 22,169 22,521 22,521 Residential mortgage-backed 953,247 998,514 998,514 Corporate 7,196,079 7,777,716 7,777,716 Total fixed maturity securities 9,470,795 10,215,328 10,215,328 Equity securities: Common stocks 13,048 19,664 19,664 Non-redeemable preferred stocks 437,515 480,393 480,393 Total equity securities 450,563 500,057 500,057 Commercial mortgage loans on real estate, at amortized cost 1,151,256 1,201,806 1,151,256 Policy loans 43,858 43,858 43,858 Short-term investments 508,950 508,950 508,950 Other investments 575,323 575,323 575,323 Total investments $ 12,200,745 $ 13,045,322 $ 12,994,772

Schedule II - Condensed Balance

Schedule II - Condensed Balance Sheet (Parent Only)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only	Schedule II – Condensed Balance Sheet (Parent Only) December 31, 2015 2014 (in thousands except number of shares) Assets Investments: Equity investment in subsidiaries $ 5,125,524 $ 5,620,192 Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014) 140,748 269,889 Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014) 5,389 23,605 Short-term investments (1,810 ) 7,349 Other investments 93,012 92,594 Total investments 5,362,863 6,013,629 Cash and cash equivalents 354,146 392,189 Receivable from subsidiaries, net 24,688 40,952 Income tax receivable 23,438 16,457 Accrued investment income 1,328 2,055 Property and equipment, at cost less accumulated depreciation 126,271 148,046 Other intangible assets, net — 9,282 Other assets 66,396 139,208 Total assets $ 5,959,130 $ 6,761,818 Liabilities Accounts payable and other liabilities $ 263,781 $ 409,432 Debt 1,171,382 1,171,079 Total liabilities 1,435,163 1,580,511 Commitments and Contingencies Stockholders’ equity Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively 1,497 1,490 Additional paid-in capital 3,148,409 3,131,274 Retained earnings 4,856,674 4,809,287 Accumulated other comprehensive income 118,549 555,767 Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, (3,601,162 ) (3,316,511 ) Total stockholders’ equity 4,523,967 5,181,307 Total liabilities and stockholders’ equity $ 5,959,130 $ 6,761,818 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Income Statement (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Revenues Net investment income $ 7,298 $ 7,212 $ 7,684 Net realized gains on investments 12,507 4,288 1,713 Fees and other income 95,986 90,217 89,889 Equity in net income of subsidiaries 227,805 584,464 628,894 Total revenues 343,596 686,181 728,180 Expenses General and administrative expenses 223,953 197,341 216,623 Interest expense 55,116 58,394 77,735 Total expenses 279,069 255,735 294,358 Income before benefit for income taxes 64,527 430,446 433,822 Benefit for income taxes 77,028 40,461 55,085 Net income $ 141,555 $ 470,907 $ 488,907 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Statements of Comprehensive Income (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Net income $ 141,555 $ 470,907 $ 488,907 Other comprehensive (loss) income: Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively (7,876 ) 6,078 (3,459 ) Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively 84 126 (59 ) Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively 7,580 (49,244 ) 95,274 Change in subsidiary other comprehensive income (437,006 ) 171,977 (495,329 ) Total other comprehensive (loss) income (437,218 ) 128,937 (403,573 ) Total comprehensive (loss) income $ (295,663 ) $ 599,844 $ 85,334 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Cash Flows (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Operating Activities Net cash provided by operating activities $ 649,345 $ 397,665 $ 440,598 Investing Activities Sales of: Fixed maturity securities available for sale 442,777 444,589 394,997 Equity securities available for sale 32,297 8,895 19,315 Other invested assets 447 — — Property and equipment and other 35 — 41 Subsidiary 3 — — Maturities, calls, prepayments, and scheduled redemption of: Fixed maturity securities available for sale 20,167 45,145 69,156 Purchases of: Fixed maturity securities available for sale (461,709 ) (253,866 ) (314,864 ) Equity securities available for sale (13,288 ) (9,433 ) (15,557 ) Other invested assets (2,649 ) (4,134 ) (152 ) Property and equipment and other (47,542 ) (49,569 ) (29,635 ) Capital contributed to subsidiaries (439,476 ) (453,700 ) (323,600 ) Return of capital contributions from subsidiaries 172,391 205,250 174,277 Change in short-term investments 4,977 115,856 (118,123 ) Net cash (used in) provided by investing activities (291,570 ) 49,033 (144,145 ) Financing Activities Issuance of debt — — 698,093 Repurchase of debt — — (33,634 ) Repayment of debt — (467,330 ) — Change in tax benefit from share-based payment arrangements (4,067 ) 14,900 (1,112 ) Acquisition of common stock (292,906 ) (215,183 ) (393,012 ) Dividends paid (94,168 ) (77,495 ) (74,128 ) Net cash (used in) provided by financing activities (391,141 ) (745,108 ) 196,207 Effect of exchange rate changes on cash and cash equivalents — 50 (49 ) Cash included in held for sale assets (4,677 ) — — Change in cash and cash equivalents (38,043 ) (298,360 ) 492,611 Cash and cash equivalents at beginning of period 392,189 690,549 197,938 Cash and cash equivalents at end of period $ 354,146 $ 392,189 $ 690,549 See Accompanying Notes to Condensed Financial Information of Registrant

Schedule II - Condensed Income

Schedule II - Condensed Income Statement (Parent Only)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only	Schedule II – Condensed Balance Sheet (Parent Only) December 31, 2015 2014 (in thousands except number of shares) Assets Investments: Equity investment in subsidiaries $ 5,125,524 $ 5,620,192 Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014) 140,748 269,889 Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014) 5,389 23,605 Short-term investments (1,810 ) 7,349 Other investments 93,012 92,594 Total investments 5,362,863 6,013,629 Cash and cash equivalents 354,146 392,189 Receivable from subsidiaries, net 24,688 40,952 Income tax receivable 23,438 16,457 Accrued investment income 1,328 2,055 Property and equipment, at cost less accumulated depreciation 126,271 148,046 Other intangible assets, net — 9,282 Other assets 66,396 139,208 Total assets $ 5,959,130 $ 6,761,818 Liabilities Accounts payable and other liabilities $ 263,781 $ 409,432 Debt 1,171,382 1,171,079 Total liabilities 1,435,163 1,580,511 Commitments and Contingencies Stockholders’ equity Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively 1,497 1,490 Additional paid-in capital 3,148,409 3,131,274 Retained earnings 4,856,674 4,809,287 Accumulated other comprehensive income 118,549 555,767 Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, (3,601,162 ) (3,316,511 ) Total stockholders’ equity 4,523,967 5,181,307 Total liabilities and stockholders’ equity $ 5,959,130 $ 6,761,818 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Income Statement (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Revenues Net investment income $ 7,298 $ 7,212 $ 7,684 Net realized gains on investments 12,507 4,288 1,713 Fees and other income 95,986 90,217 89,889 Equity in net income of subsidiaries 227,805 584,464 628,894 Total revenues 343,596 686,181 728,180 Expenses General and administrative expenses 223,953 197,341 216,623 Interest expense 55,116 58,394 77,735 Total expenses 279,069 255,735 294,358 Income before benefit for income taxes 64,527 430,446 433,822 Benefit for income taxes 77,028 40,461 55,085 Net income $ 141,555 $ 470,907 $ 488,907 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Statements of Comprehensive Income (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Net income $ 141,555 $ 470,907 $ 488,907 Other comprehensive (loss) income: Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively (7,876 ) 6,078 (3,459 ) Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively 84 126 (59 ) Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively 7,580 (49,244 ) 95,274 Change in subsidiary other comprehensive income (437,006 ) 171,977 (495,329 ) Total other comprehensive (loss) income (437,218 ) 128,937 (403,573 ) Total comprehensive (loss) income $ (295,663 ) $ 599,844 $ 85,334 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Cash Flows (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Operating Activities Net cash provided by operating activities $ 649,345 $ 397,665 $ 440,598 Investing Activities Sales of: Fixed maturity securities available for sale 442,777 444,589 394,997 Equity securities available for sale 32,297 8,895 19,315 Other invested assets 447 — — Property and equipment and other 35 — 41 Subsidiary 3 — — Maturities, calls, prepayments, and scheduled redemption of: Fixed maturity securities available for sale 20,167 45,145 69,156 Purchases of: Fixed maturity securities available for sale (461,709 ) (253,866 ) (314,864 ) Equity securities available for sale (13,288 ) (9,433 ) (15,557 ) Other invested assets (2,649 ) (4,134 ) (152 ) Property and equipment and other (47,542 ) (49,569 ) (29,635 ) Capital contributed to subsidiaries (439,476 ) (453,700 ) (323,600 ) Return of capital contributions from subsidiaries 172,391 205,250 174,277 Change in short-term investments 4,977 115,856 (118,123 ) Net cash (used in) provided by investing activities (291,570 ) 49,033 (144,145 ) Financing Activities Issuance of debt — — 698,093 Repurchase of debt — — (33,634 ) Repayment of debt — (467,330 ) — Change in tax benefit from share-based payment arrangements (4,067 ) 14,900 (1,112 ) Acquisition of common stock (292,906 ) (215,183 ) (393,012 ) Dividends paid (94,168 ) (77,495 ) (74,128 ) Net cash (used in) provided by financing activities (391,141 ) (745,108 ) 196,207 Effect of exchange rate changes on cash and cash equivalents — 50 (49 ) Cash included in held for sale assets (4,677 ) — — Change in cash and cash equivalents (38,043 ) (298,360 ) 492,611 Cash and cash equivalents at beginning of period 392,189 690,549 197,938 Cash and cash equivalents at end of period $ 354,146 $ 392,189 $ 690,549 See Accompanying Notes to Condensed Financial Information of Registrant

Schedule II - Condensed Stateme

Schedule II - Condensed Statements of Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only	Schedule II – Condensed Balance Sheet (Parent Only) December 31, 2015 2014 (in thousands except number of shares) Assets Investments: Equity investment in subsidiaries $ 5,125,524 $ 5,620,192 Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014) 140,748 269,889 Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014) 5,389 23,605 Short-term investments (1,810 ) 7,349 Other investments 93,012 92,594 Total investments 5,362,863 6,013,629 Cash and cash equivalents 354,146 392,189 Receivable from subsidiaries, net 24,688 40,952 Income tax receivable 23,438 16,457 Accrued investment income 1,328 2,055 Property and equipment, at cost less accumulated depreciation 126,271 148,046 Other intangible assets, net — 9,282 Other assets 66,396 139,208 Total assets $ 5,959,130 $ 6,761,818 Liabilities Accounts payable and other liabilities $ 263,781 $ 409,432 Debt 1,171,382 1,171,079 Total liabilities 1,435,163 1,580,511 Commitments and Contingencies Stockholders’ equity Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively 1,497 1,490 Additional paid-in capital 3,148,409 3,131,274 Retained earnings 4,856,674 4,809,287 Accumulated other comprehensive income 118,549 555,767 Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, (3,601,162 ) (3,316,511 ) Total stockholders’ equity 4,523,967 5,181,307 Total liabilities and stockholders’ equity $ 5,959,130 $ 6,761,818 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Income Statement (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Revenues Net investment income $ 7,298 $ 7,212 $ 7,684 Net realized gains on investments 12,507 4,288 1,713 Fees and other income 95,986 90,217 89,889 Equity in net income of subsidiaries 227,805 584,464 628,894 Total revenues 343,596 686,181 728,180 Expenses General and administrative expenses 223,953 197,341 216,623 Interest expense 55,116 58,394 77,735 Total expenses 279,069 255,735 294,358 Income before benefit for income taxes 64,527 430,446 433,822 Benefit for income taxes 77,028 40,461 55,085 Net income $ 141,555 $ 470,907 $ 488,907 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Statements of Comprehensive Income (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Net income $ 141,555 $ 470,907 $ 488,907 Other comprehensive (loss) income: Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively (7,876 ) 6,078 (3,459 ) Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively 84 126 (59 ) Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively 7,580 (49,244 ) 95,274 Change in subsidiary other comprehensive income (437,006 ) 171,977 (495,329 ) Total other comprehensive (loss) income (437,218 ) 128,937 (403,573 ) Total comprehensive (loss) income $ (295,663 ) $ 599,844 $ 85,334 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Cash Flows (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Operating Activities Net cash provided by operating activities $ 649,345 $ 397,665 $ 440,598 Investing Activities Sales of: Fixed maturity securities available for sale 442,777 444,589 394,997 Equity securities available for sale 32,297 8,895 19,315 Other invested assets 447 — — Property and equipment and other 35 — 41 Subsidiary 3 — — Maturities, calls, prepayments, and scheduled redemption of: Fixed maturity securities available for sale 20,167 45,145 69,156 Purchases of: Fixed maturity securities available for sale (461,709 ) (253,866 ) (314,864 ) Equity securities available for sale (13,288 ) (9,433 ) (15,557 ) Other invested assets (2,649 ) (4,134 ) (152 ) Property and equipment and other (47,542 ) (49,569 ) (29,635 ) Capital contributed to subsidiaries (439,476 ) (453,700 ) (323,600 ) Return of capital contributions from subsidiaries 172,391 205,250 174,277 Change in short-term investments 4,977 115,856 (118,123 ) Net cash (used in) provided by investing activities (291,570 ) 49,033 (144,145 ) Financing Activities Issuance of debt — — 698,093 Repurchase of debt — — (33,634 ) Repayment of debt — (467,330 ) — Change in tax benefit from share-based payment arrangements (4,067 ) 14,900 (1,112 ) Acquisition of common stock (292,906 ) (215,183 ) (393,012 ) Dividends paid (94,168 ) (77,495 ) (74,128 ) Net cash (used in) provided by financing activities (391,141 ) (745,108 ) 196,207 Effect of exchange rate changes on cash and cash equivalents — 50 (49 ) Cash included in held for sale assets (4,677 ) — — Change in cash and cash equivalents (38,043 ) (298,360 ) 492,611 Cash and cash equivalents at beginning of period 392,189 690,549 197,938 Cash and cash equivalents at end of period $ 354,146 $ 392,189 $ 690,549 See Accompanying Notes to Condensed Financial Information of Registrant

Schedule II Condensed Cash Flo

Schedule II Condensed Cash Flows (Parent Only)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only	Schedule II – Condensed Balance Sheet (Parent Only) December 31, 2015 2014 (in thousands except number of shares) Assets Investments: Equity investment in subsidiaries $ 5,125,524 $ 5,620,192 Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014) 140,748 269,889 Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014) 5,389 23,605 Short-term investments (1,810 ) 7,349 Other investments 93,012 92,594 Total investments 5,362,863 6,013,629 Cash and cash equivalents 354,146 392,189 Receivable from subsidiaries, net 24,688 40,952 Income tax receivable 23,438 16,457 Accrued investment income 1,328 2,055 Property and equipment, at cost less accumulated depreciation 126,271 148,046 Other intangible assets, net — 9,282 Other assets 66,396 139,208 Total assets $ 5,959,130 $ 6,761,818 Liabilities Accounts payable and other liabilities $ 263,781 $ 409,432 Debt 1,171,382 1,171,079 Total liabilities 1,435,163 1,580,511 Commitments and Contingencies Stockholders’ equity Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively 1,497 1,490 Additional paid-in capital 3,148,409 3,131,274 Retained earnings 4,856,674 4,809,287 Accumulated other comprehensive income 118,549 555,767 Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, (3,601,162 ) (3,316,511 ) Total stockholders’ equity 4,523,967 5,181,307 Total liabilities and stockholders’ equity $ 5,959,130 $ 6,761,818 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Income Statement (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Revenues Net investment income $ 7,298 $ 7,212 $ 7,684 Net realized gains on investments 12,507 4,288 1,713 Fees and other income 95,986 90,217 89,889 Equity in net income of subsidiaries 227,805 584,464 628,894 Total revenues 343,596 686,181 728,180 Expenses General and administrative expenses 223,953 197,341 216,623 Interest expense 55,116 58,394 77,735 Total expenses 279,069 255,735 294,358 Income before benefit for income taxes 64,527 430,446 433,822 Benefit for income taxes 77,028 40,461 55,085 Net income $ 141,555 $ 470,907 $ 488,907 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Statements of Comprehensive Income (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Net income $ 141,555 $ 470,907 $ 488,907 Other comprehensive (loss) income: Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively (7,876 ) 6,078 (3,459 ) Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively 84 126 (59 ) Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively 7,580 (49,244 ) 95,274 Change in subsidiary other comprehensive income (437,006 ) 171,977 (495,329 ) Total other comprehensive (loss) income (437,218 ) 128,937 (403,573 ) Total comprehensive (loss) income $ (295,663 ) $ 599,844 $ 85,334 See Accompanying Notes to Condensed Financial Information of Registrant Schedule II – Condensed Cash Flows (Parent Only) Years Ended December 31, 2015 2014 2013 (in thousands) Operating Activities Net cash provided by operating activities $ 649,345 $ 397,665 $ 440,598 Investing Activities Sales of: Fixed maturity securities available for sale 442,777 444,589 394,997 Equity securities available for sale 32,297 8,895 19,315 Other invested assets 447 — — Property and equipment and other 35 — 41 Subsidiary 3 — — Maturities, calls, prepayments, and scheduled redemption of: Fixed maturity securities available for sale 20,167 45,145 69,156 Purchases of: Fixed maturity securities available for sale (461,709 ) (253,866 ) (314,864 ) Equity securities available for sale (13,288 ) (9,433 ) (15,557 ) Other invested assets (2,649 ) (4,134 ) (152 ) Property and equipment and other (47,542 ) (49,569 ) (29,635 ) Capital contributed to subsidiaries (439,476 ) (453,700 ) (323,600 ) Return of capital contributions from subsidiaries 172,391 205,250 174,277 Change in short-term investments 4,977 115,856 (118,123 ) Net cash (used in) provided by investing activities (291,570 ) 49,033 (144,145 ) Financing Activities Issuance of debt — — 698,093 Repurchase of debt — — (33,634 ) Repayment of debt — (467,330 ) — Change in tax benefit from share-based payment arrangements (4,067 ) 14,900 (1,112 ) Acquisition of common stock (292,906 ) (215,183 ) (393,012 ) Dividends paid (94,168 ) (77,495 ) (74,128 ) Net cash (used in) provided by financing activities (391,141 ) (745,108 ) 196,207 Effect of exchange rate changes on cash and cash equivalents — 50 (49 ) Cash included in held for sale assets (4,677 ) — — Change in cash and cash equivalents (38,043 ) (298,360 ) 492,611 Cash and cash equivalents at beginning of period 392,189 690,549 197,938 Cash and cash equivalents at end of period $ 354,146 $ 392,189 $ 690,549 See Accompanying Notes to Condensed Financial Information of Registrant

Schedule III - Supplementary In

Schedule III - Supplementary Insurance Information	12 Months Ended
	Dec. 31, 2015
Supplementary Insurance Information [Abstract]
Supplementary Insurance Information	Schedule III – Supplementary Insurance Information Segment Deferred acquisition costs 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 acquisition costs Other operating expenses(1) Property and Casualty premiums written (in thousands) 2015 Solutions $ 3,148,081 $ 5,234,257 $ 5,086,399 $ 283,236 $ 3,015,846 $ 376,683 $ 919,403 $ 1,070,237 $ 1,912,026 $ 566,991 Specialty Property 134,035 2,089 1,382,668 525,406 2,044,701 92,859 788,549 280,492 1,010,445 1,855,051 Employee Benefits 33,475 32,763 9,331 1,432,045 1,066,754 110,998 730,192 32,836 365,921 — Health — 78,723 29,607 552,950 2,223,696 24,487 2,301,241 10,694 516,726 — Corporate and other (164,657 ) 4,118,862 (84,285 ) 1,103,082 — 21,190 3,150 — 127,285 — Total segments $ 3,150,934 $ 9,466,694 $ 6,423,720 $ 3,896,719 $ 8,350,997 $ 626,217 $ 4,742,535 $ 1,394,259 $ 3,932,403 $ 2,422,042 2014 Solutions $ 3,032,315 $ 5,208,223 $ 4,957,688 $ 296,545 $ 3,128,868 $ 382,640 $ 1,027,469 $ 1,098,911 $ 1,731,147 $ 760,878 Specialty 170,973 2,357 1,597,898 525,754 2,506,097 101,908 1,085,339 343,314 961,971 2,369,440 Employee 25,669 31,788 8,876 1,474,805 1,051,725 117,192 716,892 30,786 368,763 — Health 19,652 88,411 137,546 391,611 1,945,452 35,369 1,575,633 4,570 491,248 — Corporate and other (290,869 ) 4,152,893 (172,333 ) 1,009,891 — 19,320 — — 143,078 — Total segments $ 2,957,740 $ 9,483,672 $ 6,529,675 $ 3,698,606 $ 8,632,142 $ 656,429 $ 4,405,333 $ 1,477,581 $ 3,696,207 $ 3,130,318 2013 Solutions $ 2,902,868 $ 5,076,507 $ 4,801,495 $ 295,970 $ 2,783,758 $ 376,245 $ 895,504 $ 1,123,856 $ 1,350,403 $ 621,543 Specialty 190,331 2,657 1,682,960 490,422 2,380,044 98,935 890,409 309,332 758,941 2,581,696 Employee 23,247 32,025 12,296 1,513,013 1,014,587 117,853 715,656 27,856 360,303 — Health 12,485 95,380 136,376 239,733 1,581,407 36,664 1,169,075 801 434,749 — Corporate and other — 3,440,003 29,545 850,233 — 20,599 4,888 — 138,450 — Total segments $ 3,128,931 $ 8,646,572 $ 6,662,672 $ 3,389,371 $ 7,759,796 $ 650,296 $ 3,675,532 $ 1,461,845 $ 3,042,846 $ 3,203,239 (1) Includes amortization of value of business acquired and underwriting, general and administration expenses. (1) Includes amortization of value of business acquired and underwriting, general and administration expenses. (2) Amounts related to deferred acquisition costs and unearned premiums are impacted by the adjustment described in Note 2 - Use of Estimates section.

Schedule IV - Reinsurance

Schedule IV - Reinsurance	12 Months Ended
	Dec. 31, 2015
Supplemental Schedule of Reinsurance Premiums for Insurance Companies [Abstract]
Schedule IV - Reinsurance	Schedule IV – Reinsurance Direct amount Ceded to other Companies Assumed from other Companies Net amount Percentage of amount assumed to net Life Insurance in Force $ 93,926,136 $ 26,786,323 $ 1,397,236 $ 68,537,049 2.0 % Premiums: Life insurance $ 664,738 $ 316,533 $ 16,788 $ 364,993 4.6 % Accident and health insurance 3,677,759 630,083 177,510 3,225,186 5.5 % Property and liability insurance 7,258,227 2,829,099 331,690 4,760,818 7.0 % Total earned premiums $ 11,600,724 $ 3,775,715 $ 525,988 $ 8,350,997 6.3 % Benefits: Life insurance $ 667,984 $ 295,528 $ 20,008 $ 392,464 5.1 % Accident and health insurance 3,536,448 774,591 153,912 2,915,769 5.3 % Property and liability insurance 2,757,925 1,460,576 136,953 1,434,302 9.5 % Total policyholder benefits $ 6,962,357 $ 2,530,695 $ 310,873 $ 4,742,535 6.6 % Assurant, Inc. for the year ended December 31, 2014 Schedule IV – Reinsurance Direct amount Ceded to other Companies Assumed from other Companies Net amount Percentage of amount assumed to net Life Insurance in Force $ 97,410,319 $ 29,365,216 $ 1,642,259 $ 69,687,362 2.4 % Premiums: Life insurance $ 720,478 $ 361,860 $ 27,588 $ 386,206 7.1 % Accident and health insurance 3,429,376 629,062 175,768 2,976,082 5.9 % Property and liability insurance 7,101,095 2,115,541 284,300 5,269,854 5.4 % Total earned premiums $ 11,250,949 $ 3,106,463 $ 487,656 $ 8,632,142 5.6 % Benefits: Life insurance $ 736,430 $ 364,064 $ 23,812 $ 396,178 6.0 % Accident and health insurance 3,450,893 1,410,856 153,621 2,193,658 7.0 % Property and liability insurance 2,759,798 1,097,144 152,843 1,815,497 8.4 % Total policyholder benefits $ 6,947,121 $ 2,872,064 $ 330,276 $ 4,405,333 7.5 % Assurant, Inc. for the year ended December 31, 2013 Schedule IV – Reinsurance Direct amount Ceded to other Companies Assumed from other Companies Net amount Percentage of amount assumed to net Life Insurance in Force $ 98,596,728 $ 34,445,475 $ 8,162,720 $ 72,313,973 11.3 % Premiums: Life insurance $ 729,519 $ 373,641 $ 39,218 $ 395,096 9.9 % Accident and health insurance 3,089,192 674,640 170,848 2,585,400 6.6 % Property and liability insurance 6,029,945 1,355,676 105,031 4,779,300 2.2 % Total earned premiums $ 9,848,656 $ 2,403,957 $ 315,097 $ 7,759,796 4.1 % Benefits: Life insurance $ 736,349 $ 361,592 $ 27,262 $ 402,019 6.8 % Accident and health insurance 1,995,860 345,806 147,460 1,797,514 8.2 % Property and liability insurance 1,907,749 491,318 59,568 1,475,999 4.0 % Total policyholder benefits $ 4,639,958 $ 1,198,716 $ 234,290 $ 3,675,532 6.4 %

Schedule V - Valuation And Qual

Schedule V - Valuation And Qualifying Accounts	12 Months Ended
	Dec. 31, 2015
Valuation and Qualifying Accounts [Abstract]
Valuation And Qualifying Accounts	Schedule V – Valuation and Qualifying Accounts Additions Balance at Beginning of Year Charged to Costs and Expenses Charged to Other Accounts Deductions Balance at End of Year 2015 Valuation allowance for foreign NOL deferred tax carryforward $ 18,164 $ (4,946 ) $ — $ — $ 13,218 Valuation allowance for mortgage loans on real estate 3,399 (816 ) — 1 2,582 Valuation allowance for uncollectible agents balances 15,698 (206 ) (59 ) 1,686 13,747 Valuation allowance for uncollectible accounts 15,870 6,633 (1,179 ) 7,375 13,949 Valuation allowance for reinsurance recoverables 10,820 — — — 10,820 Total $ 63,951 $ 665 $ (1,238 ) $ 9,062 $ 54,316 2014 Valuation allowance for foreign NOL deferred tax carryforward $ 16,474 $ 1,690 $ — $ — $ 18,164 Valuation allowance for mortgage loans on real estate 4,482 (1,086 ) 3 — 3,399 Valuation allowance for uncollectible agents balances 19,822 (1,894 ) 52 2,282 15,698 Valuation allowance for uncollectible accounts 16,824 6,229 (655 ) 6,528 15,870 Valuation allowance for reinsurance recoverables 10,820 — — — 10,820 Total $ 68,422 $ 4,939 $ (600 ) $ 8,810 $ 63,951 2013 Valuation allowance for foreign NOL deferred tax carryforward $ 13,091 $ 3,383 $ — $ — $ 16,474 Valuation allowance for mortgage loans on real estate 6,997 (2,515 ) — — 4,482 Valuation allowance for uncollectible agents balances 14,753 5,870 238 1,039 19,822 Valuation allowance for uncollectible accounts 16,618 765 672 1,231 16,824 Valuation allowance for reinsurance recoverables 10,633 187 — — 10,820 Total $ 62,092 $ 7,690 $ 910 $ 2,270 $ 68,422

Summary Of Significant Accoun43

Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
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, per share amounts and number of securities in an unrealized loss position.
Principles Of Consolidation	The consolidated financial statements include the accounts of the Company and all of its wholly owned subsidiaries. All inter-company transactions and balances are eliminated in consolidation.
Variable Interest Entities	The Company may enter into agreements with other entities that are deemed to be variable interest entities (“VIEs”). At the time these agreements are executed, the Company evaluates the applicability of the accounting guidance for VIEs. Entities which do not have sufficient equity at risk to allow the entity to finance its activities without additional financial support or in which the equity investors, as a group, do not have the characteristic of a controlling financial interest are referred to as VIEs. A VIE is consolidated by the variable interest holder that is determined to have the controlling financial interest (“primary beneficiary”) as a result of having both the power to direct the activities of a VIE that most significantly impact the VIE’s economic performance and the obligation to absorb losses or right to receive benefits from the VIE that could potentially be significant to the VIE. The Company determines whether it is the primary beneficiary of an entity subject to consolidation based on a qualitative assessment of the VIE’s capital structure, contractual terms, nature of the VIE’s operations and purpose and the Company’s relative exposure to the related risks of the VIE on the date it becomes initially involved in the VIE. The Company reassesses its VIE determination with respect to an entity on an ongoing basis.
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 Company’s 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 recorded. The Company believes all amounts reported are reasonable and adequate. During the fourth quarter of 2015, we identified and corrected errors that originated in prior periods and assessed the materiality of the errors using quantitative and qualitative factors. The errors primarily related to the overstatement of other assets associated with our mobile business inventory and the overstatement of accounts receivable associated with our legacy run-off warranty business. The correction of these errors resulted in a decrease to Assurant Solutions net income of $8,200 for the year ended December 31, 2015 and the fourth quarter of 2015. We performed both a qualitative and quantitative assessment of the materiality of the errors and concluded that the errors were not material to our financial position, results of operations or cash flows for any previously reported quarterly or annual financial statements or for the current period in which they were corrected.
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	Comprehensive income 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.
Foreign Currency Translation	For foreign affiliates where the local currency is the functional currency, unrealized foreign currency translation gains and losses net of deferred income taxes have been reflected in accumulated other comprehensive income (“AOCI”). Other than for two of our wholly owned Canadian subsidiaries, deferred taxes have not been provided for unrealized currency translation gains and losses since the Company intends to indefinitely reinvest the earnings in these other jurisdictions. Transaction gains and losses on assets and liabilities denominated in foreign currencies are recorded in underwriting, general and administration expenses in the consolidated statements of operations during the period in which they occur.
Fair Value	The Company uses an exit price for its fair value measurements. An exit price is defined as the amount received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. In measuring fair value, the Company gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 6 for further information.
Investments	Fixed maturity and equity securities are classified as available-for-sale, as defined in the investments guidance, and reported at fair value. If the fair value is higher than the amortized cost for fixed maturity securities or the cost for equity securities, the excess is an unrealized gain; and, if lower than cost, the difference is an unrealized loss. Net unrealized gains and losses on securities classified as available-for-sale, less deferred income taxes, are included in AOCI. Commercial mortgage loans on real estate are reported at unpaid balances, adjusted for amortization of premium or discount, less allowance for losses. The allowance is based on management’s analysis of factors including actual loan loss experience, specific events based on geographical, political or economic conditions, industry experience, loan groupings that have probable and estimable losses and individually impaired loan loss analysis. A loan is considered individually impaired when it becomes probable the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the loan agreement. Indicative factors of impairment include, but are not limited to, whether the loan is current, the value of the collateral and the financial position of the borrower. If a loan is individually impaired, the Company uses one of the following valuation methods based on the individual loans’ facts and circumstances to measure the impairment amount: (1) the present value of expected future cash flows, (2) the loan’s observable market price, or (3) the fair value of collateral. Changes in the allowance for loan losses are recorded in net realized losses on investments, excluding other-than-temporary impairment losses. The Company places loans on non-accrual status after 90 days of delinquent payments (unless the loans are both well secured and in the process of collection). A loan may be placed on non-accrual status before this time if information is available that suggests its impairment is probable. Policy loans are reported at unpaid principal balances, which do not exceed the cash surrender value of the underlying policies. Short-term investments include money market funds and short maturity investments. These amounts are reported at cost, which approximates fair value. As of December 31, 2015, the Company has terminated its securities lending program and there are no outstanding transactions. Prior to this date, the Company engaged in collateralized transactions in which fixed maturity securities, primarily bonds issued by the U.S. government, government agencies and authorities, and U.S. corporations, were loaned to selected broker/dealers. The collateral held under these securities lending transactions was reported at fair value and the obligation was reported at the amount of the collateral received. The difference between the collateral held and obligations under securities lending was recorded as an unrealized loss as part of AOCI. Other investments consist primarily of investments in joint ventures, partnerships, invested assets associated with a modified coinsurance arrangement, invested assets associated with the Assurant Investment Plan (“AIP”), ASIC and the Assurant Deferred Compensation Plan (“ADC”). The joint ventures and partnerships are valued according to the equity method of accounting. In applying the equity method, the Company uses financial information provided by the investee, generally on a three month lag. The invested assets related to the modified coinsurance arrangement, the AIP, ASIC and ADC are classified as trading securities as defined in the investment guidance. The Company monitors its investment portfolio to identify investments that may be other-than-temporarily impaired. In addition, securities, aggregated by issuer, whose market price is equal to 80% or less of their original purchase price or which had a discrete credit event resulting in the debtor defaulting or seeking bankruptcy protection are added to a potential write-down list, which is discussed at quarterly meetings attended by members of the Company’s investment, accounting and finance departments. See Note 5 for further information. Realized gains and losses on sales of investments are recognized on the specific identification basis. Investment income is recorded as earned and reported net of investment expenses. The Company uses the interest method to recognize interest income on its commercial mortgage loans. The Company anticipates prepayments of principal in the calculation of the effective yield for mortgage-backed securities and structured securities. The retrospective method is used to adjust the effective yield.
Cash And Cash Equivalents	The Company considers cash on hand, all operating cash and working capital cash to be cash equivalents. These amounts are carried at cost, which approximates fair value. Cash balances are reviewed at the end of each reporting period to determine if negative cash balances exist. If negative cash balances do exist, the cash accounts are netted with other positive cash accounts of the same bank provided the right of offset exists between the accounts. If the right of offset does not exist, the negative cash balances are reclassified to accounts payable.
Uncollectible Receivable Balance	The Company maintains allowances for doubtful accounts for probable losses resulting from the inability to collect payments.
Reinsurance	Reinsurance recoverables include amounts related to paid benefits and estimated amounts related to unpaid policy and contract claims, future policyholder benefits and policyholder contract deposits. The cost of reinsurance is recognized over the terms of the underlying reinsured policies using assumptions consistent with those used to account for the policies. Amounts recoverable from reinsurers are estimated in a manner consistent with claim and claim adjustment expense reserves or future policy benefits reserves and are reported in the consolidated balance sheets. The cost of reinsurance related to long-duration contracts is recognized over the life of the underlying reinsured policies. The ceding of insurance does not discharge the Company’s primary liability to insureds, thus a credit exposure exists to the extent that any reinsurer is unable to meet the obligation assumed in the reinsurance agreements. To mitigate this exposure to reinsurance insolvencies, the Company evaluates the financial condition of its reinsurers and holds collateral (in the form of funds withheld, trusts, and letters of credit) as security under the reinsurance agreements. An allowance for doubtful accounts is recorded on the basis of periodic evaluations of balances due from reinsurers (net of collateral), reinsurer solvency, management’s experience and current economic conditions. Funds withheld under reinsurance represent amounts contractually held from assuming companies in accordance with reinsurance agreements. Reinsurance premiums assumed are calculated based upon payments received from ceding companies together with accrual estimates, which are based on both payments received and in force policy information received from ceding companies. Any subsequent differences arising on such estimates are recorded in the period in which they are determined.
Income Taxes	Income Taxes Current federal income taxes are recognized based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year. Deferred income taxes are recorded for temporary differences between the financial reporting basis and income tax basis of assets and liabilities, based on enacted tax laws and statutory tax rates applicable to the periods in which the Company expects the temporary differences to reverse. A valuation allowance is established for deferred tax assets when it is more likely than not that an amount will not be realized. The Company classifies net interest expense related to tax matters and any applicable penalties as a component of incom
Deferred Acquisition Costs	Only direct incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs are deemed recoverable from future premiums or gross profits. Acquisition costs primarily consist of commissions and premium taxes. Certain direct response advertising expenses are deferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to the advertising and the direct response advertising results in probable future benefits. Premium deficiency testing is performed annually and generally reviewed quarterly. Such testing involves the use of best estimate assumptions including the anticipation of investment income to determine if anticipated future policy premiums are adequate to recover all DAC and related claims, benefits and expenses. To the extent a premium deficiency exists, it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in DAC. If the premium deficiency is greater than unamortized DAC, a liability is accrued for the excess deficiency. See Note 3 for further information on the premium deficiency reserve related to the exit of the health insurance market. Long Duration Contracts Acquisition costs for pre-funded funeral (“preneed”) life insurance policies issued prior to 2009 and certain life insurance policies no longer offered are deferred and amortized in proportion to anticipated premiums over the premium-paying period. These acquisition costs consist primarily of first year commissions paid to agents. Acquisition costs relating to group worksite insurance products consist primarily of first year commissions to brokers, costs of issuing new certificates and compensation to sales representatives. These acquisition costs are front-end loaded, thus they are deferred and amortized over the estimated terms of the underlying contracts. For preneed investment-type annuities, preneed life insurance policies with discretionary death benefit growth issued after January 1, 2009, universal life insurance policies, and investment-type annuities (no longer offered), DAC is amortized in proportion to the present value of estimated gross profits from investment, mortality, expense margins and surrender charges over the estimated life of the policy or contract. Estimated gross profits include the impact of unrealized gains or losses on investments as if these gains or losses had been realized, with corresponding credits or charges included in AOCI. The assumptions used for the estimates are consistent with those used in computing the policy or contract liabilities. Short Duration Contracts Acquisition costs relating to property contracts, warranty and extended service contracts and single premium credit insurance contracts are amortized over the term of the contracts in relation to premiums earned. Acquisition costs relating to monthly pay credit insurance business consist mainly of direct response advertising costs and are deferred and amortized over the estimated average terms and balances of the underlying contracts. Acquisition costs relating to group term life, group disability, group dental, and group vision consist primarily of compensation to sales representatives. These acquisition costs are front-end loaded; thus, they are deferred and amortized over the estimated terms of the underlying contracts.
Property And Equipment	Property and equipment are reported at cost less accumulated depreciation. Depreciation is calculated on a straight-line basis over estimated useful lives with a maximum of 39.5 years for buildings, a maximum of 7 years for furniture and a maximum of 5 years for equipment. Expenditures for maintenance and repairs are charged to income as incurred. Expenditures for improvements are capitalized and depreciated over the remaining useful life of the asset. Property and equipment also includes capitalized software costs, which represent costs directly related to obtaining, developing or upgrading internal use software. Such costs are capitalized and amortized using the straight-line method over their estimated useful lives, not to exceed 20 years. Property and equipment are assessed for impairment when impairment indicators exist.
Goodwill	Goodwill represents the excess of acquisition costs over the net fair value of identifiable assets acquired and liabilities assumed in a business combination. Goodwill is deemed to have an indefinite life and is not amortized, but rather is tested at least annually for impairment. We review our goodwill annually in the fourth quarter for impairment, or more frequently if indicators of impairment exist. We regularly assess whether any indicators of impairment exist. Such indicators include, but are not limited to: significant adverse change in legal factors, adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in our expected future cash flows due to changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment. When required, we test goodwill for impairment at the reporting unit level. Following the guidance on goodwill, we have concluded that our reporting units for goodwill testing are equivalent to our reported operating segments, excluding the Corporate and Other segment. At the time of the annual goodwill test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform the current two-step goodwill impairment test. The Company is required to perform step one if it determines qualitatively that it is more likely than not (that is, a likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying amount, including goodwill. Otherwise, no further testing is required. If the Company does not take the option to perform the qualitative assessment or the qualitative assessment performed indicates that it is more likely than not that the reporting unit’s fair value is less than the carrying value, the Company will then compare the estimated fair value of the reporting unit with its net book value (“Step 1”). If the estimated fair value exceeds its net book value, goodwill is deemed not to be impaired, and no further testing is necessary. If the net book value exceeds its estimated fair value, we perform a second test to measure the amount of impairment, if any. To determine the amount of any impairment, we determine the implied fair value of goodwill in the same manner as if the reporting unit were being acquired in a business combination (“Step 2”). Specifically, we determine the fair value of all of the assets and liabilities of the reporting unit, including any unrecognized intangible assets, in a hypothetical calculation that yields the implied fair value of goodwill. If the implied fair value of goodwill is less than the recorded goodwill, we record an impairment charge for the difference. In the fourth quarter 2015, the Company chose the option to first perform a qualitative assessment for both our Assurant Specialty Property and Assurant Solutions reporting units. Based on this assessment, the Company determined that it was more likely than not that the reporting units' fair value was more than their carrying amount, therefore further impairment testing was not necessary. In the fourth quarter of 2014, we performed a Step 1 test for both our Assurant Specialty Property and Assurant Solutions reporting units and concluded that the estimated fair value of the reporting units exceeded their respective book values and therefore goodwill was not impaired. For 2015 and 2014, the Assurant Employee Benefits and Assurant Health reporting units did not have goodwill.
Value Of Businesses Acquired	VOBA is an identifiable intangible asset representing the value of the insurance businesses acquired. The amount is determined using best estimates for mortality, lapse, maintenance expenses and investment returns at date of purchase. The amount determined represents the purchase price paid to the seller for producing the business. Similar to the amortization of DAC, the amortization of VOBA is over the premium payment period for traditional life insurance policies and a small block of limited payment policies. For the remaining limited payment policies, preneed life insurance policies, all universal life policies and annuities, the amortization of VOBA is over the expected lifetime of the policies. VOBA is tested annually in the fourth quarter for recoverability. If it is determined that future policy premiums and investment income or gross profits are not adequate to cover related losses or loss expenses, then an expense is reported in current earnings. Based on 2015 and 2014 testing, future policy premiums and investment income or gross profits were deemed adequate to cover related losses or loss expenses.
Other Assets	Other assets consist primarily of investments in unconsolidated entities, inventory associated with our mobile protection business and prepaid items. The Company accounts for investments in unconsolidated entities using the equity method of accounting since the Company can exert significant influence over the investee, but does not have effective control over the investee. The Company’s equity in the net income (loss) from equity method investments is recorded as income (loss) with a corresponding increase (decrease) in the investment. Judgment regarding the level of influence over each equity method investee includes considering factors such as ownership interest, board representation and policy making decisions. In applying the equity method, the Company uses financial information provided by the investee, which may be received on a lag basis.
Other Intangible Assets	Other intangible assets that have finite lives, including but not limited to, customer contracts, customer relationships and marketing relationships, are amortized over their estimated useful lives. Other intangible assets deemed to have indefinite useful lives, primarily certain state licenses, are not amortized and are subject to at least annual impairment tests. At the time of the annual impairment test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform a quantitative impairment test for indefinite-lived intangible assets. Impairment exists if the carrying amount of the indefinite-lived other intangible asset exceeds its fair value. For other intangible assets with finite lives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the other intangible asset. Generally other intangible assets with finite lives are only tested for impairment if there are indicators (“triggers”) of impairment identified. Triggers include, but are not limited to, a significant adverse change in the extent, manner or length of time in which the other intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affect the value of the other intangible asset. In certain cases, the Company does perform an annual impairment test for other intangible assets with finite lives even if there are no triggers present. There were no material impairment charges related to finite-lived and indefinite-lived other intangible assets in 2015 or 2014. Amortization expense and impairment charges, if any, are included in underwriting, general and administrative expenses in the consolidated statements of operations.
Separate Accounts	Assets and liabilities associated with separate accounts relate to premium and annuity considerations for variable life and annuity products for which the contract-holder, rather than the Company, bears the investment risk. Separate account assets (with matching liabilities) are reported at fair value. Revenues and expenses related to the separate account assets and liabilities, to the extent of benefits paid or provided to the separate account policyholders, are excluded from the amounts reported in the accompanying consolidated statements of operations because the accounts are administered by reinsurers.
Reserves	Reserves are established in accordance with GAAP, using generally accepted actuarial methods. Factors used in their calculation include experience derived from historical claim payments and actuarial assumptions. Such assumptions and other factors include trends, the incidence of incurred claims, the extent to which all claims have been reported, and internal claims processing charges. The process used in computing reserves cannot be exact, particularly for liability coverages, since actual claim costs are dependent upon such complex factors as inflation, changes in doctrines of legal liabilities and damage awards. The methods of making such estimates and establishing the related liabilities are periodically reviewed and updated. Reserves do not represent an exact calculation of exposure, but instead represent our best estimates of what we expect the ultimate settlement and administration of a claim or group of claims will cost based on facts and circumstances known at the time of calculation. The adequacy of reserves may be impacted by future trends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events, including but not limited to: changes in the economic cycle, changes in the social perception of the value of work, emerging medical perceptions regarding physiological or psychological causes of disability, emerging health issues and new methods of treatment or accommodation, inflation, judicial trends, legislative changes and claims handling procedures. Many of these items are not directly quantifiable. Reserve estimates are refined as experience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which such estimates are updated. Because establishment of reserves is an inherently uncertain process involving estimates of future losses, there can be no certainty that ultimate losses will not exceed existing claims reserves. Future loss development could require reserves to be increased, which could have a material adverse effect on our earnings in the periods in which such increases are made. However, based on information currently available, we believe our reserve estimates are adequate. Long Duration Contracts The Company’s long duration contracts include preneed life insurance policies and annuity contracts, traditional life insurance policies no longer offered, universal life and annuities no longer offered, policies disposed of via reinsurance (Fortis Financial Group (“FFG”) and Long Term Care (“LTC”) contracts), group worksite policies, group life conversion policies and certain medical policies. Future policy benefits and expense reserves for LTC, certain life and annuity insurance policies no longer offered, a majority of individual medical policies issued prior to 2003, certain medical contracts issued from 2003 through 2006, the traditional life insurance contracts within FFG group worksite contracts and group life conversion policies are equal to the present value of future benefits to policyholders plus related expenses less the present value of the future net premiums. These amounts are estimated based on assumptions as to the expected investment yield, inflation, mortality, morbidity and withdrawal rates as well as other assumptions that are based on the Company’s experience. These assumptions reflect anticipated trends and include provisions for possible unfavorable deviations. Future policy benefits and expense reserves for preneed investment-type annuities, preneed life insurance policies with discretionary death benefit growth issued after 2008, universal life insurance policies and investment-type annuity contracts (no longer offered), and the variable life insurance and investment-type annuity contracts in FFG consist of policy account balances before applicable surrender charges and certain deferred policy initiation fees that are being recognized in income over the terms of the policies. Policy benefits charged to expense during the period include amounts paid in excess of policy account balances and interest credited to policy account balances. An unearned revenue reserve is also recorded for those preneed life insurance contracts which represents the balance of the excess of gross premiums over net premiums that is still to be recognized in future years’ income in a constant relationship to estimated gross profits. Future policy benefits and expense reserves for preneed life insurance contracts issued prior to 2009 are reported at the present value of future benefits to policyholders and related expenses less the present value of future net premiums. Reserve assumptions are selected using best estimates for expected investment yield, inflation, mortality and withdrawal rates. These assumptions reflect current trends, are based on Company experience and include provision for possible unfavorable deviation. An unearned revenue reserve is also recorded for these contracts which represents the balance of the excess of gross premiums over net premiums that is still to be recognized in future years’ income in a constant relationship to insurance in force. Reserves for group worksite policies also include case reserves and incurred but not reported (“IBNR”) reserves which equal the net present value of the expected future claims payments. Worksite group disability reserves are discounted to the valuation date at the valuation interest rate. The valuation interest rate is reviewed quarterly by taking into consideration actual and expected earned rates on our asset portfolio. Changes in the estimated liabilities are reported as a charge or credit to policyholder benefits as the estimates are revised. Short Duration Contracts The Company’s short duration contracts include group term life contracts, group disability contracts, medical contracts, dental contracts, vision contracts, property and warranty contracts, credit life and disability contracts and extended service contracts. For short duration contracts, claims and benefits payable reserves are recorded when insured events occur. The liability is based on the expected ultimate cost of settling the claims. The claims and benefits payable reserves include (1) case reserves for known but unpaid claims as of the balance sheet date; (2) IBNR reserves for claims where the insured event has occurred but has not been reported to the Company as of the balance sheet date; and (3) loss adjustment expense reserves for the expected handling costs of settling the claims. For group disability, the case reserves and the IBNR reserves are recorded at an amount equal to the net present value of the expected future claims payments. Group long-term disability and group term life waiver of premiums reserves are discounted to the valuation date at the valuation interest rate. The valuation interest rate is reviewed quarterly by taking into consideration actual and expected earned rates on our asset portfolio. Group long-term disability and group term life reserve adequacy studies are performed annually, and morbidity and mortality assumptions are adjusted where appropriate. The Company has exposure to asbestos, environmental and other general liability claims arising from its participation in various reinsurance pools from 1971 through 1985. This exposure arose from a short duration contract that the Company discontinued writing many years ago. The Company carries case reserves for these liabilities as recommended by the various pool managers and IBNR reserves. Any estimation of these liabilities is subject to greater than normal variation and uncertainty due to the general lack of sufficient detailed data, reporting delays, and absence of generally accepted actuarial methodology for determining the exposures. There are significant unresolved industry legal issues, including such items as whether coverage exists and what constitutes an occurrence. In addition, the determination of ultimate damages and the final allocation of losses to financially responsible parties are highly uncertain. Changes in the estimated liabilities are recorded as a charge or credit to policyholder benefits as estimates are revised. Amounts reimbursed by the National Flood Insurance Program for processing and adjudication services are reported as a reduction of policyholder benefits.
Deferred Gain On Disposal Of Businesses	On March 1, 2000, the Company sold its LTC business using a coinsurance contract. On April 2, 2001, the Company sold its FFG business using a modified coinsurance contract. Since the form of sale did not discharge the Company’s primary liability to the insureds, the gain on these disposals was deferred and reported as a liability. The liability is decreased and recognized as revenue over the estimated life of the contracts’ terms. The Company reviews and evaluates the estimates affecting the deferred gain on disposal of businesses annually or when significant information affecting the estimates becomes known to the Company, and adjusts the revenue recognized accordingly. Based on the Company’s annual review in the fourth quarter of 2015, there were no adjustments to the estimates affecting the deferred gain. Based on the Company's annual review in the fourth quarter of 2014, the Company re-established $12,777 of the FFG deferred gain.
Debt	The Company reports debt net of unamortized discount or premium and repurchases. Interest expense related to debt is expensed as incurred.
Premiums	Long Duration Contracts The Company’s long duration contracts which are actively being sold are preneed life insurance and certain group worksite insurance policies. The preneed life insurance policies include provisions for death benefit growth that is either pegged to the changes in the Consumer Price Index or determined periodically at the discretion of management. For preneed life insurance policies issued prior to 2009, revenues are recognized when due from policyholders. For preneed life insurance policies with discretionary death benefit growth issued after 2008 and for preneed investment-type annuity contracts, revenues consist of charges assessed against policy balances. Revenues are recognized ratably as earned income over the premium-paying periods of the policies for the group worksite insurance products. For a majority of individual medical contracts issued prior to 2003, a limited number of individual medical contracts currently issued from 2003 through 2006 in certain jurisdictions, and traditional life insurance contracts previously sold by the preneed business (no longer offered), revenue is recognized when due from policyholders. For universal life insurance and investment-type annuity contracts previously sold by the Assurant Solutions segment (no longer offered), revenues consist of charges assessed against policy balances. Premiums for LTC insurance and traditional life insurance contracts within FFG are recognized as revenue when due from the policyholder. For universal life insurance and investment-type annuity contracts within FFG, revenues consist of charges assessed against policy balances. For the FFG and LTC businesses previously sold, all revenue is ceded. Short Duration Contracts The Company’s short duration contracts revenue is recognized over the contract term in proportion to the amount of insurance protection provided. The Company’s short duration contracts primarily include group term life, group disability, medical, dental, vision, property and warranty, credit life and disability, and extended service contracts and individual medical contracts issued from 2003 through 2006 in most jurisdictions and in all jurisdictions after 2006. Reinstatement premiums for reinsurance are netted against net earned premiums in the consolidated statements of operations. Medical Loss Ratio Rebate Unearned Premium Reserve The Affordable Care Act was signed into law in March 2010. One provision of the Affordable Care Act, effective January 1, 2011, established a minimum medical loss ratio (“MLR”) designed to ensure that a minimum percentage of premiums is paid for clinical services or health care quality improvement activities. The Affordable Care Act established an MLR of 80% for individual and small group businesses and 85% for large group business. If the actual loss ratios, calculated in a manner prescribed by the Department of Health and Human Services (“HHS”), are less than the required MLR, premium rebates are payable to the policyholders by August 1 of the subsequent year. The Company has estimated its 2015 impact of this regulation based on definitions and calculation methodologies outlined in the HHS regulations and guidance. The estimate was based on separate projection models for the individual medical and small group businesses using projections of expected premiums, claims, and enrollment by state, legal entity, and market for medical business subject to MLR requirements for the MLR reporting year. In addition, the projection models include quality improvement expenses, state assessments and taxes. The premium rebate is presented as a reduction of net earned premiums in the consolidated statement of operations and included in unearned premiums in the consolidated balance sheets. Affordable Care Act Risk Mitigation Programs Beginning in 2014, the Affordable Care Act introduced new and significant premium stabilization programs. These programs, discussed in further detail below, are meant to mitigate the potential adverse impact to individual health insurers as a result of Affordable Care Act provisions that became effective January 1, 2014. A three-year (2014-2016) reinsurance program provides reimbursement to insurers for high cost individual business sold on or off the public marketplaces. The reinsurance entity established by HHS is funded by a per-member reinsurance fee assessed on all commercial medical plans, including self-insured group health plans. Only Affordable Care Act individual plans are eligible for recoveries if claims exceed a specified threshold, up to a reinsurance cap. Reinsurance contributions associated with Affordable Care Act individual plans are reported as a reduction in net earned premiums in the consolidated statements of operations, and estimated reinsurance recoveries are established as reinsurance recoverables in the consolidated balance sheets with an offsetting reduction in policyholder benefits in the consolidated statements of operations. Reinsurance fee contributions for non-Affordable Care Act business are reported in underwriting, general and administrative expenses in the consolidated statements of operations. A permanent risk adjustment program transfers funds from insurers with lower risk populations to insurers with higher risk populations based on the relative risk scores of participants in Affordable Care Act plans in the individual and small group markets, both on and off the public marketplaces. Based on the risk of its members compared to the total risk of all members in the same state and market, considering data obtained from industry studies, the Company estimates its year-to-date risk adjustment transfer amount. The Company records a risk adjustment transfer receivable (payable) in premiums and accounts receivable (unearned premiums) in the consolidated balance sheets, with an offsetting adjustment to net earned premiums in the consolidated statements of operations. A three year (2014-2016) risk corridor program limits insurer gains and losses by comparing allowable medical costs to a target amount as defined by HHS. This program applies to a subset of Affordable Care Act eligible individual and small group products certified as Qualified Health Plans. The public marketplace can only sell Qualified Health Plans. In addition, carriers who sell Qualified Health Plans on the public marketplace can also sell them off the public marketplace. Variances from the target amount exceeding certain thresholds may result in amounts due to or due from HHS. During 2015, the Company participated in the Federal insurance public marketplace for several states so the risk corridor program is applicable. However, as the funding status for this program is unclear at this time, a 100% allowance was established against recorded receivable amounts, thus there is no impact on the Company's 2015 consolidated statement of operations. The Company does not anticipate any payables into this program for 2015.
Total Other-Than-Temporary Impairment Losses	For debt securities with credit losses and non-credit losses or gains, total other-than-temporary impairment (“OTTI”) losses is the total of the decline in fair value from either the most recent OTTI determination or a prior period end in which the fair value declined until the current period end valuation date. This amount does not include any securities that had fair value increases. For equity securities and debt securities that the Company has the intent to sell or if it is more likely than not that it will be required to sell for equity securities that have an OTTI or for debt securities if there are only credit losses, total other-than-temporary impairment losses is the total amount by which the fair value of the security is less than its amortized cost basis at the period end valuation date and the decline in fair value is deemed to be other-than-temporary. When a decline in value is considered to be other-than-temporary for equity method investments, the carrying value of these investments is written down, or impaired, to fair value.
Fees And Other Income	Income earned on preneed life insurance policies with discretionary death benefit growth issued after 2008 is presented within fees and other income. The Company also derives fees and other income from providing administrative services, mobile related services, and mortgage property risk management services. These fees are recognized monthly when services are performed. Dealer obligor service contracts are sales in which the retailer/dealer is designated as the obligor (administrative service-only plans). For these contract sales, the Company recognizes administrative fee revenue on a straight-line pro-rata basis over the terms of the service contract. Administrator obligor service contracts are sales in which the Company is designated as the obligor. The Company recognizes and reports administration fees related to these contracts as earned on the same basis as the premium is recognized or on a straight-line pro-rata basis. Administration fees related to the unexpired portion of the contract term for both the dealer obligor and administrator obligor service contracts are deferred and amortized over the term of the contracts. These unexpired amounts are reported in accounts payable and other liabilities on the consolidated balance sheets.
Underwriting, General And Administrative Expenses	Underwriting, general and administrative expenses consist primarily of commissions, premium taxes, licenses, fees, salaries and personnel benefits and other general operating expenses and are expensed as incurred.
Leases	The Company records expenses for operating leases on a straight-line basis over the lease term.
Contingencies	The Company evaluates each contingent matter separately. A loss contingency is recorded if reasonably estimable and probable. The Company establishes reserves for these contingencies at the best estimate, or if no one estimated number within the range of possible losses is more probable than any other, the Company records an estimated reserve at the low end of the estimated range. Contingencies affecting the Company primarily relate to litigation matters which are inherently difficult to evaluate and are subject to significant changes. The Company believes the contingent amounts recorded are reasonable.
Recent Accounting Pronouncements - Adopted and Not Yet Adopted	On December 31, 2014, the Company adopted the amended guidance on reporting discontinued operations and disclosures of disposals of components of an entity. To qualify as a discontinued operation under the amended guidance, a component or group of components must represent a strategic shift that has (or will have) a major effect on an entity’s operations and financial results. The amended guidance includes expanded disclosures for discontinued operations and requires comparative balance sheet presentation. New disclosures are also required for disposals of individually significant components that do not qualify as discontinued operations. The adoption of this amended guidance did not impact the Company’s financial position or results of operations. On January 1, 2014, the Company adopted the new guidance on presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The amendments in this guidance state that an unrecognized tax benefit, or a portion thereof, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. An exception to this guidance would be where a net operating loss carryforward or similar tax loss or credit carryforward would not be available under the tax law to settle any additional income taxes that would result from the disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose. In such a case, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The adoption of this new presentation guidance did not impact the Company’s financial position or results of operations. On January 1, 2014, the Company adopted the other expenses guidance that addresses how health insurers should recognize and classify in their statements of operations fees mandated by the Affordable Care Act. The Affordable Care Act imposes an annual fee on health insurers for each calendar year beginning on or after January 1, 2014. The amendments specify that the liability for the fee should be estimated and recorded in full once the entity provides qualifying health insurance in the applicable calendar year in which the fee is payable with a corresponding deferred cost that is amortized to expense ratably over the calendar year during which it is payable. The Company’s adoption of this guidance impacts the results of our Assurant Health and Assurant Employee Benefits segments. For the calendar year ended December 31, 2015 and 2014, the Company ratably recorded $39,606 and $25,723 , respectively in underwriting, general and administrative expenses in the consolidated statements of operations, and paid, in full, the final assessment during the third quarter of 2015 and 2014. Recent Accounting Pronouncements - Not Yet Adopted In January 2016, the Financial Accounting Standards Board (“FASB”) issued amended guidance on the measurement and classification of financial instruments. This amended guidance requires that all equity investments be measured at fair value with changes in fair value recognized through net income (other than those accounted for under equity method of accounting or those that result in consolidation of the investee). The amendments also require an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the fair value option has been elected for financial liabilities. The amendments eliminate the requirement to disclose the methods and significant assumptions used to estimate the fair value for financial instruments measured at amortized cost, however public business entities will be required to use the exit price when measuring the fair value of financial instruments measured at amortized cost for disclosure purposes. In addition, the new guidance requires financial assets and financial liabilities to be presented separately in the notes to the financial statements, grouped by measurement category and form of financial asset. The amended guidance is effective in fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Therefore, the Company is required to adopt the guidance on January 1, 2018. For the provision related to presentation of financial liabilities, early adoption is permitted for financial statements that have not been previously issued. The Company is evaluating the requirements of this amended measurement and classification of financial instruments guidance and the potential impact on the Company’s financial position and results of operations. In April 2015, the FASB issued amended guidance on presentation of debt issuance costs. This amended guidance requires that debt issuance costs be presented in the balance sheet as a direct deduction from the carrying amount of the debt liability, consistent with debt discounts or premiums. The recognition and measurement guidance for debt issuance costs is not affected by the amendments. The amended guidance is effective for interim and annual periods beginning after December 15, 2015. Therefore, the Company is required to adopt the guidance on January 1, 2016. Early adoption of the amended guidance is permitted for financial statements that have not been previously issued. An entity should apply the amended guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. The Company does not expect the adoption of this presentation guidance to impact the Company’s financial position or results of operations. In February 2015, the FASB issued new consolidation guidance that affects reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. The new guidance eliminates specialized guidance for limited partnerships and similar legal entities, and removes the indefinite deferral for certain investment funds. The new guidance is effective for interim and annual periods beginning after December 15, 2015. Therefore, the Company is required to adopt the guidance on January 1, 2016. Early adoption is permitted, including adoption in an interim period. The new guidance may be applied retrospectively or through a cumulative effect adjustment to retained earnings as of the beginning of the year of adoption. The Company does not expect the adoption of this new consolidation guidance to have an impact on it's financial position or results of operations. In May 2014, the FASB issued amended guidance on revenue recognition. The amended guidance affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards. Insurance contracts are within the scope of other standards and therefore are specifically excluded from the scope of the amended revenue recognition guidance. The core principle of the amended guidance is that an entity recognizes revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve the core principle, the entity applies a five step process outlined in the amended guidance. The amended guidance also includes a cohesive set of disclosure requirements. In August 2015, the FASB issued guidance to defer the effective date of the revenue recognition guidance. The amended guidance is effective for interim and annual periods beginning after December 15, 2017 and earlier application is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. Therefore, the Company is required to adopt the guidance on January 1, 2018. An entity can choose to apply the amended guidance using either the full retrospective approach or a modified retrospective approach. The Company is evaluating the requirements of the revenue recognition guidance as it relates to its non-insurance contract revenue and the potential impact on the Company’s financial position and results of operations.

Reorganization Reorganization (

Reorganization Reorganization (Tables)	12 Months Ended
	Dec. 31, 2015
Restructuring and Related Activities [Abstract]
Exit-Related Charges	The following table presents information regarding exit-related charges: Severance and retention Long-lived asset impairments and contract and lease terminations Other transaction costs Total Balance at January 1, 2015 $ — $ — $ — $ — Charges 14,435 22,307 4,996 41,738 Non-cash adjustment — (21,247 ) (2,947 ) (24,194 ) Cash payments — — — — Balance at June 30, 2015 $ 14,435 $ 1,060 $ 2,049 $ 17,544 Charges 20,927 13 5,795 26,735 Cash payments (10,728 ) (168 ) (4,338 ) (15,234 ) Balance at September 30, 2015 $ 24,634 $ 905 $ 3,506 $ 29,045 Charges 16,344 17 795 17,156 Cash payments (4,413 ) (152 ) (3,808 ) (8,373 ) Balance at December 31, 2015 $ 36,565 $ 770 $ 493 $ 37,828 Amount expected to be incurred $ 82,038 $ 27,651 $ 11,586 $ 121,275 Premium deficiency reserves $ 169,101 Total amount expected to be incurred $ 290,376

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Amortized Cost, Gross Unrealized Gains And Losses, Fair Value And OTTI	The following tables show the cost or amortized cost, gross unrealized gains and losses, fair value and other-than-temporary impairment ("OTTI") of the Company's fixed maturity and equity securities as of the dates indicated: December 31, 2015 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value OTTI in AOCI (a) Fixed maturity securities: United States Government and government agencies and authorities $ 150,681 $ 3,891 $ (537 ) $ 154,035 $ — States, municipalities and political subdivisions 647,335 48,389 (94 ) 695,630 — Foreign governments 497,785 65,188 (723 ) 562,250 — Asset-backed 3,499 1,367 (204 ) 4,662 1,285 Commercial mortgage-backed 22,169 352 — 22,521 — Residential mortgage-backed 953,247 48,676 (3,409 ) 998,514 15,343 Corporate 7,196,079 677,549 (95,912 ) 7,777,716 17,885 Total fixed maturity securities $ 9,470,795 $ 845,412 $ (100,879 ) $ 10,215,328 $ 34,513 Equity securities: Common stocks $ 13,048 $ 6,623 $ (7 ) $ 19,664 $ — Non-redeemable preferred stocks 437,515 45,495 (2,617 ) 480,393 — Total equity securities $ 450,563 $ 52,118 $ (2,624 ) $ 500,057 $ — December 31, 2014 Cost or Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value OTTI in AOCI (a) Fixed maturity securities: United States Government and government agencies and authorities $ 172,070 $ 5,201 $ (429 ) $ 176,842 $ — States, municipalities and political subdivisions 703,167 67,027 (353 ) 769,841 — Foreign governments 591,981 74,339 (1,457 ) 664,863 — Asset-backed 3,917 1,680 (78 ) 5,519 1,570 Commercial mortgage-backed 44,907 1,109 — 46,016 — Residential mortgage-backed 911,004 58,876 (1,154 ) 968,726 17,732 Corporate 7,621,054 1,026,927 (16,614 ) 8,631,367 21,612 Total fixed maturity securities $ 10,048,100 $ 1,235,159 $ (20,085 ) $ 11,263,174 $ 40,914 Equity securities: Common stocks $ 22,300 $ 15,651 $ (1 ) $ 37,950 $ — Non-redeemable preferred stocks 412,575 50,975 (2,093 ) 461,457 — Total equity securities $ 434,875 $ 66,626 $ (2,094 ) $ 499,407 $ — (a) Represents the amount of OTTI recognized in accumulated other comprehensive income ("AOCI"). Amount includes unrealized gains and losses on impaired securities relating to changes in the value of such securities subsequent to the impairment measurement date.
Amortized Cost And Fair Value Of Fixed Maturity Securities By Contractual Maturity	The cost or amortized cost and fair value of fixed maturity securities at December 31, 2015 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 $ 324,097 $ 327,824 Due after one year through five years 1,904,357 1,984,818 Due after five years through ten years 2,121,934 2,171,426 Due after ten years 4,141,492 4,705,563 Total 8,491,880 9,189,631 Asset-backed 3,499 4,662 Commercial mortgage-backed 22,169 22,521 Residential mortgage-backed 953,247 998,514 Total $ 9,470,795 $ 10,215,328
Categories Of Net Investment Income	Major categories of net investment income were as follows: Years Ended December 31, 2015 2014 2013 Fixed maturity securities $ 486,165 $ 522,309 $ 530,144 Equity securities 29,957 28,014 27,013 Commercial mortgage loans on real estate 72,658 73,959 76,665 Policy loans 2,478 2,939 3,426 Short-term investments 2,033 1,950 2,156 Other investments 37,759 34,527 20,573 Cash and cash equivalents 18,416 18,556 14,679 Total investment income 649,466 682,254 674,656 Investment expenses (23,249 ) (25,825 ) (24,360 ) Net investment income $ 626,217 $ 656,429 $ 650,296
Proceeds From Sales Of Available-For-Sale Securities And The Gross Realized Gains And Gross Realized Losses	The following table summarizes the proceeds from sales of available-for-sale securities and the gross realized gains and gross realized losses that have been included in earnings as a result of those sales. For the Years Ended December 31, 2015 2014 2013 Proceeds from sales $ 2,568,166 $ 1,995,368 $ 2,821,177 Gross realized gains 65,097 69,184 81,921 Gross realized losses 31,657 10,681 50,667
Net Realized Gains (Losses), Including Other-Than-Temporary Impairments	The following table sets forth the net realized gains (losses), including other-than-temporary impairments, recognized in the statement of operations as follows: Years Ended December 31, 2015 2014 2013 Net realized gains (losses) related to sales and other: Fixed maturity securities $ 13,322 $ 54,200 $ 14,579 Equity securities 19,016 6,190 19,789 Commercial mortgage loans on real estate 817 532 2,515 Other investments 3,695 (109 ) 2,029 Total net realized gains related to sales and other 36,850 60,813 38,912 Net realized losses related to other-than-temporary impairments: Fixed maturity securities (5,024 ) (30 ) (3,295 ) Other investments — — (1,092 ) Total net realized losses related to other-than-temporary impairments (5,024 ) (30 ) (4,387 ) Total net realized gains $ 31,826 $ 60,783 $ 34,525
Credit Loss Impairments Recognized	The following table sets forth the amount of credit loss impairments recognized within the results of operations on fixed maturity securities held by the Company as of the dates indicated, for which a portion of the OTTI loss was recognized in AOCI, and the corresponding changes in such amounts. Years Ended December 31, 2015 2014 2013 Balance, beginning of year $ 35,424 $ 45,278 $ 95,589 Additions for credit loss impairments recognized in the current period on securities previously impaired — 30 107 Additions for credit loss impairments recognized in the current period on securities not previously impaired 2,621 — — Reductions for increases in cash flows expected to be collected that are recognized over the remaining life of the security (2,398 ) (5,248 ) (1,851 ) Reductions for credit loss impairments previously recognized on securities which matured, paid down, prepaid or were sold during the period (3,270 ) (4,636 ) (48,567 ) Balance, end of year $ 32,377 $ 35,424 $ 45,278
Duration Of Gross Unrealized Losses On Fixed Maturity Securities And Equity Securities	The investment category and duration of the Company’s gross unrealized losses on fixed maturity securities and equity securities at December 31, 2015 and 2014 were as follows: December 31, 2015 Less than 12 months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Fixed maturity securities: United States Government and government agencies and authorities $ 90,008 $ (465 ) $ 5,564 $ (72 ) $ 95,572 $ (537 ) States, municipalities and political subdivisions 6,881 (94 ) — — 6,881 (94 ) Foreign governments 24,071 (347 ) 22,239 (376 ) 46,310 (723 ) Asset-backed — — 1,136 (204 ) 1,136 (204 ) Residential mortgage-backed 260,620 (3,179 ) 11,147 (230 ) 271,767 (3,409 ) Corporate 1,636,457 (85,247 ) 54,029 (10,665 ) 1,690,486 (95,912 ) Total fixed maturity securities $ 2,018,037 $ (89,332 ) $ 94,115 $ (11,547 ) $ 2,112,152 $ (100,879 ) Equity securities: Common stock $ 623 $ (7 ) $ — $ — $ 623 $ (7 ) Non-redeemable preferred stocks 63,665 (1,632 ) 13,806 (985 ) 77,471 (2,617 ) Total equity securities $ 64,288 $ (1,639 ) $ 13,806 $ (985 ) $ 78,094 $ (2,624 ) December 31, 2014 Less than 12 months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Fixed maturity securities: United States Government and government agencies and authorities $ 34,551 $ (188 ) $ 21,488 $ (241 ) $ 56,039 $ (429 ) States, municipalities and political subdivisions 3,050 (282 ) 4,633 (71 ) 7,683 (353 ) Foreign governments 19,886 (67 ) 37,741 (1,390 ) 57,627 (1,457 ) Asset-backed — — 1,348 (78 ) 1,348 (78 ) Residential mortgage-backed 22,337 (71 ) 61,682 (1,083 ) 84,019 (1,154 ) Corporate 640,641 (13,132 ) 113,918 (3,482 ) 754,559 (16,614 ) Total fixed maturity securities $ 720,465 $ (13,740 ) $ 240,810 $ (6,345 ) $ 961,275 $ (20,085 ) Equity securities: Common stock $ — $ — $ 196 $ (1 ) $ 196 $ (1 ) Non-redeemable preferred stocks 8,844 (264 ) 24,784 (1,829 ) 33,628 (2,093 ) Total equity securities $ 8,844 $ (264 ) $ 24,980 $ (1,830 ) $ 33,824 $ (2,094 )
Amortized Cost And Fair Value Of Fixed Maturity Securities In An Unrealized Loss Position By Contractual Maturity	The cost or amortized cost and fair value of available-for-sale fixed maturity securities in an unrealized loss position at December 31, 2015, by contractual maturity, is shown below: Cost or Amortized Cost Fair Value Due in one year or less $ 52,077 $ 51,667 Due after one year through five years 469,320 459,930 Due after five years through ten years 754,402 720,632 Due after ten years 660,716 607,020 Total 1,936,515 1,839,249 Asset-backed 1,340 1,136 Residential mortgage-backed 275,176 271,767 Total $ 2,213,031 $ 2,112,152
Credit Quality Indicators For Commercial Mortgage Loans	The following summarizes the Company's loan-to-value and average debt-service coverage ratios as of the dates indicated: December 31, 2015 Loan-to-Value Carrying Value % of Gross Mortgage Loans Debt-Service Coverage Ratio 70% and less $ 1,101,572 95.5 % 2.01 71 – 80% 39,080 3.4 % 1.19 81 – 95% 8,370 0.7 % 1.05 Greater than 95% 4,816 0.4 % 3.52 Gross commercial mortgage loans 1,153,838 100.0 % 1.98 Less valuation allowance (2,582 ) Net commercial mortgage loans $ 1,151,256 December 31, 2014 Loan-to-Value Carrying Value % of Gross Mortgage Loans Debt-Service Coverage Ratio 70% and less $ 1,168,454 91.6 % 2.01 71 – 80% 73,762 5.8 % 1.26 81 – 95% 27,268 2.1 % 1.04 Greater than 95% 6,531 0.5 % 0.43 Gross commercial mortgage loans 1,276,015 100.0 % 1.94 Less valuation allowance (3,399 ) Net commercial mortgage loans $ 1,272,616

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value For Assets And Liabilities Measured At Fair Value On A Recurring Basis	December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Fixed maturity securities: United States Government and government agencies and authorities $ 154,035 $ — $ 154,035 $ — State, municipalities and political subdivisions 695,630 — 695,630 — Foreign governments 562,250 944 561,306 — Asset-backed 4,662 — 4,662 — Commercial mortgage-backed 22,521 — 22,317 204 Residential mortgage-backed 998,514 — 998,514 — Corporate 7,777,716 — 7,714,570 63,146 Equity securities: Common stocks 19,664 18,981 683 — Non-redeemable preferred stocks 480,393 — 478,143 2,250 Short-term investments 508,950 453,335 b 55,615 c — Other investments 253,708 62,076 a 189,407 c 2,225 d Cash equivalents 908,936 907,248 b 1,688 c — Other assets 1,320 — 886 e 434 e Assets held in separate accounts 1,750,556 1,570,000 a 180,556 c — Total financial assets $ 14,138,855 $ 3,012,584 $ 11,058,012 $ 68,259 Financial Liabilities Other liabilities $ 89,765 $ 62,076 a $ 6 e $ 27,683 e Liabilities related to separate accounts 1,750,556 1,570,000 a 180,556 c — Total financial liabilities $ 1,840,321 $ 1,632,076 $ 180,562 $ 27,683 December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Fixed maturity securities: United States Government and government agencies and authorities $ 176,842 $ — $ 176,842 $ — State, municipalities and political subdivisions 769,841 — 769,841 — Foreign governments 664,863 757 664,106 — Asset-backed 5,519 — 5,519 — Commercial mortgage-backed 46,016 — 45,613 403 Residential mortgage-backed 968,726 — 964,081 4,645 Corporate 8,631,367 — 8,527,092 104,275 Equity securities: Common stocks 37,950 37,266 684 — Non-redeemable preferred stocks 461,457 — 459,457 2,000 Short-term investments 345,246 266,980 b 78,266 c — Collateral held/pledged under securities agreements 74,985 67,783 b 7,202 c — Other investments 272,755 59,358 a 211,276 c 2,121 d Cash equivalents 683,142 635,804 b 47,338 c — Other assets 1,674 — 867 e 807 e Assets held in separate accounts 1,854,193 1,682,671 a 171,522 c — Total financial assets $ 14,994,576 $ 2,750,619 $ 12,129,706 $ 114,251 Financial Liabilities Other liabilities $ 84,660 $ 59,358 a $ 69 e $ 25,233 e Liabilities related to separate accounts 1,854,193 1,682,671 a 171,522 c — Total financial liabilities $ 1,938,853 $ 1,742,029 $ 171,591 $ 25,233 a. Mainly includes mutual funds. b. Mainly includes money market funds. c. Mainly includes fixed maturity securities. d. Mainly includes fixed maturity securities and other derivatives. e. Mainly includes derivatives.
Change In Balance Sheet Carrying Value Associated With Level 3 Financial Assets Carried At Fair Value	The following tables summarize the change in balance sheet carrying value associated with Level 3 financial assets and liabilities carried at fair value during the years ended December 31, 2015 and 2014: Year Ended December 31, 2015 Balance, beginning of period Total (losses) gains (realized/ unrealized) included in earnings (1) Net unrealized (losses) gains included in other comprehensive income (2) Purchases Sales Transfers in (3) Transfers out (3) Balance, end of period Financial Assets Fixed Maturity Securities Commercial mortgage-backed $ 403 $ — $ (11 ) $ — $ (188 ) $ — $ — $ 204 Residential mortgage-backed 4,645 1 (104 ) 9,721 — — (14,263 ) — Corporate 104,275 591 (3,620 ) 6,523 (7,167 ) 30,302 (67,758 ) 63,146 Equity Securities Non-redeemable preferred stocks 2,000 — 250 — — — — 2,250 Other investments 2,121 34 (42 ) — (124 ) 236 — 2,225 Other assets 807 (373 ) — — — — — 434 Financial Liabilities Other liabilities (25,233 ) (2,450 ) — 77 (77 ) — — (27,683 ) Total level 3 assets and liabilities $ 89,018 $ (2,197 ) $ (3,527 ) $ 16,321 $ (7,556 ) $ 30,538 $ (82,021 ) $ 40,576 Year Ended December 31, 2014 Balance, beginning of period Total (losses) gains (realized/ unrealized) included in earnings (1) Net unrealized (losses) gains included in other comprehensive income (2) Purchases Sales Transfers in (3) Transfers out (3) Balance, end of period Financial Assets Fixed Maturity Securities States, municipalities and political subdivisions $ 22,657 $ — $ — $ — $ — $ — $ (22,657 ) $ — Foreign governments 16,857 (2 ) 18 — — — (16,873 ) — Commercial mortgage-backed 598 — (18 ) — (177 ) — — 403 Residential mortgage-backed 4,167 — (78 ) 4,723 — — (4,167 ) 4,645 Corporate 115,344 2,438 1,546 23,578 (16,958 ) 1,515 (23,188 ) 104,275 Equity Securities Non-redeemable preferred stocks 7,510 562 (517 ) — (3,779 ) — (1,776 ) 2,000 Other investments 4,171 (2,174 ) 10 440 (128 ) — (198 ) 2,121 Other assets 2,491 (1,684 ) — — — — — 807 Financial Liabilities Other liabilities (20,330 ) (822 ) — (4,081 ) — — — (25,233 ) Total level 3 assets and liabilities $ 153,465 $ (1,682 ) $ 961 $ 24,660 $ (21,042 ) $ 1,515 $ (68,859 ) $ 89,018 (1) Included as part of net realized gains on investments in the consolidated statement of operations. (2) Included as part of change in unrealized gains on securities in the consolidated statement of comprehensive income. (3) Transfers are primarily attributable to changes in the availability of observable market information and re-evaluation of the observability of pricing inputs.
Carrying Value And Fair Value Of The Financial Instruments That Are Not Recognized Or Are Not Carried At Fair Value	December 31, 2015 Fair Value Carrying Value Total Level 1 Level 2 Level 3 Financial Assets Commercial mortgage loans on real estate $ 1,151,256 $ 1,201,806 $ — $ — $ 1,201,806 Policy loans 43,858 43,858 43,858 — — Other investments 27,534 27,534 — — 27,534 Total financial assets $ 1,222,648 $ 1,273,198 $ 43,858 $ — $ 1,229,340 Financial Liabilities Policy reserves under investment products (Individual and group annuities, subject to discretionary withdrawal) (1) $ 666,068 $ 676,586 $ — $ — $ 676,586 Funds withheld under reinsurance 94,417 94,417 94,417 — — Debt 1,171,382 1,250,602 — 1,250,602 — Total financial liabilities $ 1,931,867 $ 2,021,605 $ 94,417 $ 1,250,602 $ 676,586 December 31, 2014 Fair Value Carrying Value Total Level 1 Level 2 Level 3 Financial Assets Commercial mortgage loans on real estate $ 1,272,616 $ 1,448,215 — — $ 1,448,215 Policy loans 48,272 48,272 48,272 — — Other investments 10,896 10,896 — — 10,896 Total financial assets $ 1,331,784 $ 1,507,383 $ 48,272 — $ 1,459,111 Financial Liabilities Policy reserves under investment products (Individual and group annuities, subject to discretionary withdrawal) (1) $ 743,951 $ 764,949 — — $ 764,949 Funds withheld under reinsurance 75,161 75,161 75,161 — — Debt 1,171,079 1,296,139 — 1,296,139 — Obligations under securities agreements 95,986 95,986 95,986 — — Total financial liabilities $ 2,086,177 $ 2,232,235 $ 171,147 $ 1,296,139 $ 764,949 (1) Only the fair value of the Company’s policy reserves for investment-type contracts (those without significant mortality or morbidity risk) is reflected in the table above.

Premiums And Accounts Receiva47

Premiums And Accounts Receivable (Tables)	12 Months Ended
	Dec. 31, 2015
Premiums Receivable Disclosure [Abstract]
Schedule Of Allowance For Uncollectible Amounts	Receivables are reported net of an allowance for uncollectible amounts. A summary of such receivables is as follows: As of December 31, 2015 2014 Insurance premiums receivable $ 1,092,136 $ 1,275,440 Other receivables 196,277 201,758 Allowance for uncollectible amounts (27,696 ) (31,568 ) Total $ 1,260,717 $ 1,445,630

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Information About Domestic And Foreign Pre-Tax Income	Information about domestic and foreign pre-tax income as well as current and deferred tax expense follows: Years Ended December 31, 2015 2014 2013 Pre-tax income: Domestic $ 126,797 $ 632,738 $ 716,172 Foreign 74,384 111,399 73,527 Total pre-tax income $ 201,181 $ 744,137 $ 789,699
Components Of Income Tax Expense (Benefit)	Years Ended December 31, 2015 2014 2013 Current expense: Federal & state $ 40,643 $ 162,483 $ 129,204 Foreign 22,851 46,593 35,188 Total current expense 63,494 209,076 164,392 Deferred expense (benefit): Federal & state 173 72,645 131,336 Foreign (4,041 ) (8,491 ) 5,064 Total deferred (benefit) expense (3,868 ) 64,154 136,400 Total income tax expense $ 59,626 $ 273,230 $ 300,792
Reconciliation Of Federal Income Tax Rate	A reconciliation of the federal income tax rate to the Company’s effective income tax rate follows: December 31, 2015 2014 2013 Federal income tax rate: 35.0 % 35.0 % 35.0 % Reconciling items: Non-taxable investment income (6.8 ) (1.9 ) (1.7 ) Foreign earnings (a) (5.2 ) (2.2 ) 1.1 Non deductible compensation 9.1 3.8 3.4 Non deductible health insurer fee 6.9 1.1 — Sale of subsidiary (8.0 ) — — Other (1.4 ) 0.9 0.3 Effective income tax rate: 29.6 % 36.7 % 38.1 % (a) Results for all years primarily include tax expense (benefit) associated with the earnings of certain non-U.S. subsidiaries that are deemed reinvested indefinitely and realization of foreign tax credits for certain other subsidiaries. In addition, 2015 reflects a 6.5% benefit related to a Latin American reorganization and 2014 reflects a 2.6% benefit related to the conversion of Canadian branch operations of certain U.S. companies to foreign corporate entities.
Summary Of Unrecognized Tax Benefits	A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31, 2015, 2014 and 2013 is as follows: Years Ended December 31, 2015 2014 2013 Balance at beginning of year $ (6,262 ) $ (10,322 ) $ (11,515 ) Additions based on tax positions related to the current year (30,712 ) (2,940 ) (309 ) Reductions based on tax positions related to the current year 102 581 995 Additions for tax positions of prior years (2,128 ) (1,037 ) (1,090 ) Reductions for tax positions of prior years 1,990 2,495 959 Settlements — 4,961 638 Balance at end of year $ (37,010 ) $ (6,262 ) $ (10,322 )
Summary Of Deferred Tax Assets And Deferred Tax Liabilities	The tax effects of temporary differences that result in significant deferred tax assets and deferred tax liabilities are as follows: December 31, 2015 2014 Deferred Tax Assets Policyholder and separate account reserves $ 568,053 $ 498,231 Accrued liabilities 32,257 23,183 Investments, net 140,785 168,061 Net operating loss carryforwards 40,479 50,103 Deferred gain on disposal of businesses 32,362 35,347 Compensation related 28,289 24,029 Employee and post-retirement benefits 115,904 111,716 Unearned fee income 50,931 55,765 Other 48,548 40,584 Total deferred tax asset 1,057,608 1,007,019 Less valuation allowance (13,218 ) (18,164 ) Deferred tax assets, net of valuation allowance 1,044,390 988,855 Deferred Tax Liabilities Deferred acquisition costs (931,630 ) (867,212 ) Net unrealized appreciation on securities (262,075 ) (435,375 ) Total deferred tax liability (1,193,705 ) (1,302,587 ) Net deferred income tax liability $ (149,315 ) $ (313,732 )
Summary Of Net Operating Loss Carryforwards	At December 31, 2015, the Company and its subsidiaries had $163,722 of net operating loss carryforwards in certain foreign subsidiaries that will expire if unused as follows: Expiration Year Amount 2016 - 2020 $ 31,205 2021 - 2025 7,436 2026 - 2030 4,140 2031 - 2035 19,200 Unlimited 101,741 $ 163,722

Deferred Acquisition Costs (Tab

Deferred Acquisition Costs (Tables)	12 Months Ended
	Dec. 31, 2015
Deferred Policy Acquisition Costs Disclosures [Abstract]
Schedule Of Deferred Acquisition Costs	Information about deferred acquisition costs is as follows: December 31, 2015 2014 2013 Beginning balance $ 2,957,740 $ 3,128,931 $ 2,861,163 Costs deferred and other (1) 1,587,453 1,306,390 1,729,613 Amortization (1,394,259 ) (1,477,581 ) (1,461,845 ) Ending balance $ 3,150,934 $ 2,957,740 $ 3,128,931 (1) Includes foreign currency translation, the adjustment previously disclosed in 2014 and the reclassification of assets held for sale as described in Note 4.

Property And Equipment (Tables)

Property And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Components Of Property And Equipment	Property and equipment consists of the following: As of December 31, 2015 2014 Land $ 14,884 $ 14,359 Buildings and improvements 262,769 258,680 Furniture, fixtures and equipment 478,717 519,146 Total 756,370 792,185 Less accumulated depreciation (457,956 ) (514,540 ) Total $ 298,414 $ 277,645

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule Of Goodwill	Below is a roll forward of goodwill by reportable segment. Solutions (1) Specialty Property Health Employee Benefits Consolidated Balance at December 31, 2013 Goodwill $ 1,757,140 $ 288,360 $ 204,303 $ 185,078 $ 2,434,881 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) 496,201 288,360 — — 784,561 Acquisitions 51,574 28,677 — — 80,251 Dispositions — (15,451 ) — — (15,451 ) Foreign currency translation and other (8,122 ) — — — (8,122 ) Balance at December 31, 2014 Goodwill 1,800,592 301,586 204,303 185,078 2,491,559 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) 539,653 301,586 — — 841,239 Acquisitions 2,520 5,365 — — 7,885 Dispositions — (2,532 ) — — (2,532 ) Foreign currency translation and other (13,080 ) — — — (13,080 ) Balance at December 31, 2015 Goodwill 1,790,032 304,419 204,303 185,078 2,483,832 Accumulated impairment losses (1,260,939 ) — (204,303 ) (185,078 ) (1,650,320 ) $ 529,093 $ 304,419 $ — $ — $ 833,512 (1) 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.

VOBA And Other Intangible Ass52

VOBA And Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Finite-Lived Intangible Assets [Line Items]
Information About VOBA and Other Intangible Assets	Information about VOBA is as follows: For the Years Ended December 31, 2015 2014 2013 Beginning balance $ 45,462 $ 53,549 $ 62,109 Additions 4,134 — — Amortization, net of interest accrued (8,314 ) (7,978 ) (8,442 ) Foreign currency translation and other (128 ) (109 ) (118 ) Ending balance $ 41,154 $ 45,462 $ 53,549
VOBA
Finite-Lived Intangible Assets [Line Items]
Future Amortization Expenses	At December 31, 2015 the estimated amortization of VOBA for the next five years and thereafter is as follows: Year Amount 2016 $ 9,066 2017 7,820 2018 7,021 2019 6,645 2020 6,289 Thereafter 4,313 Total $ 41,154
Other Intangible Assets
Finite-Lived Intangible Assets [Line Items]
Information About VOBA and Other Intangible Assets	Information about other intangible assets is as follows: As of December 31, 2015 2014 Carrying Value Accumulated Amortization Net Other Intangible Assets Carrying Value Accumulated Amortization Net Other Intangible Assets Contract based intangibles $ 47,134 $ (30,820 ) $ 16,314 $ 63,538 $ (36,221 ) $ 27,317 Customer related intangibles 438,737 (212,542 ) 226,195 520,894 (212,326 ) 308,568 Marketing related intangibles 41,386 (20,977 ) 20,409 41,861 (15,686 ) 26,175 Technology based intangibles 25,235 (10,990 ) 14,245 25,235 (5,335 ) 19,900 Total $ 552,492 $ (275,329 ) $ 277,163 $ 651,528 $ (269,568 ) $ 381,960
Future Amortization Expenses	The estimated amortization of other intangible assets are as follows: Year Amount 2016 $ 67,079 2017 59,782 2018 47,081 2019 30,837 2020 26,276 Thereafter 46,108 Total other intangible assets with finite lives $ 277,163

Reserves (Tables)

Reserves (Tables)	12 Months Ended
	Dec. 31, 2015
Insurance Loss Reserves [Abstract]
Summary Of Reserve Information Of Major Product Lines	The following table provides reserve information of the Company’s major product lines at the dates shown: December 31, 2015 December 31, 2014 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 Reserves Incurred But Not Reported Reserves Long Duration Contracts: Preneed funeral life insurance policies and investment-type annuity contracts $ 4,670,977 $ 134,534 $ 13,644 $ 6,324 $ 4,618,505 $ 4,872 $ 14,696 $ 6,456 Life insurance no longer offered 407,360 427 2,360 1,070 418,672 570 2,272 1,301 Universal life and other products no longer offered 153,801 118 773 1,674 168,808 136 704 1,959 FFG, LTC and other disposed businesses 4,129,233 47,132 973,614 103,652 4,153,741 46,585 881,514 97,524 Medical 68,353 742 1,465 2,321 87,563 7,254 1,959 7,886 All other 36,970 404 12,855 10,836 36,383 382 13,863 9,803 Short Duration Contracts: Group term life — 2,431 166,920 30,857 — 2,905 169,006 28,786 Group disability — 1,984 1,092,841 100,155 — 1,564 1,127,068 107,961 Medical — 25,401 235,516 253,295 — 130,185 137,370 240,830 Dental — 4,244 1,587 16,454 — 4,013 2,251 17,037 Property and warranty — 2,223,589 182,095 507,310 — 2,386,719 130,517 546,979 Credit life and disability — 181,466 25,966 35,718 — 241,092 34,581 43,298 Extended service contracts — 3,669,859 7,258 33,928 — 3,568,352 6,780 42,054 All other — 131,389 18,961 57,270 — 135,046 5,375 18,776 Total $ 9,466,694 $ 6,423,720 $ 2,735,855 $ 1,160,864 $ 9,483,672 $ 6,529,675 $ 2,527,956 $ 1,170,650
Schedule Of Most Significant Claims And Benefits Payable	The following table provides a rollforward of the Company’s product lines with the most significant 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, 2012, gross of reinsurance (3) $ 203,757 $ 1,309,087 $ 247,758 $ 16,847 $ 1,167,058 Less: Reinsurance ceded and other (1) (2,817 ) (38,166 ) (16,447 ) (736 ) (715,058 ) Balance as of January 1, 2013, net of reinsurance 200,940 1,270,921 231,311 16,111 452,000 Incurred losses related to: Current year 121,708 284,005 1,097,313 110,933 1,140,500 Prior year’s interest 7,773 56,705 — — — Prior year (s) (14,300 ) (29,975 ) (42,063 ) (3,971 ) (23,801 ) Total incurred losses 115,181 310,735 1,055,250 106,962 1,116,699 Paid losses related to: Current year 75,119 70,236 894,533 98,183 802,130 Prior year (s) 43,694 278,559 184,824 11,869 310,660 Total paid losses 118,813 348,795 1,079,357 110,052 1,112,790 Balance as of December 31, 2013, net of reinsurance (3) 197,308 1,232,861 207,204 13,021 455,909 Plus: Reinsurance ceded and other (1) 2,463 38,990 14,978 618 183,315 Balance as of December 31, 2013, gross of reinsurance (3) $ 199,771 $ 1,271,851 $ 222,182 $ 13,639 $ 639,224 Less: Reinsurance ceded and other (1) (4) (2,463 ) (38,990 ) (14,978 ) (618 ) (229,038 ) Balance as of January 1, 2014, net of reinsurance 197,308 1,232,861 207,204 13,021 410,186 Incurred losses related to: Current year 124,228 285,095 1,782,891 128,093 1,401,187 Prior year’s interest 7,548 53,657 — — — Prior year(s) (16,560 ) (36,003 ) (51,352 ) (4,044 ) (2,848 ) Total incurred losses 115,216 302,749 1,731,539 124,049 1,398,339 Paid losses related to: Current year 77,113 80,172 1,424,448 118,842 988,075 Prior year (s) 41,028 262,023 151,298 8,829 323,795 Total paid losses 118,141 342,195 1,575,746 127,671 1,311,870 Balance as of December 31, 2014, net of reinsurance (3) 194,383 1,193,415 362,997 9,399 496,655 Plus: Reinsurance ceded and other (1) 3,409 41,614 15,203 446 180,841 Balance as of December 31, 2014, gross of reinsurance (3) $ 197,792 $ 1,235,029 $ 378,200 $ 9,845 $ 677,496 Less: Reinsurance ceded and other (1) (3,409 ) (41,614 ) (15,203 ) (446 ) (180,841 ) Balance as of January 1, 2015, net of reinsurance 194,383 1,193,415 362,997 9,399 496,655 Incurred losses related to: Current year 132,330 264,077 2,404,632 80,845 1,105,991 Prior year’s interest 7,317 51,798 — — — Prior year (s) (17,513 ) (18,540 ) (36,795 ) (2,483 ) (43,619 ) Total incurred losses 122,134 297,335 2,367,837 78,362 1,062,372 Paid losses related to: Current year 82,847 76,000 2,016,726 77,427 752,752 Prior year (s) 38,643 263,412 318,327 6,709 317,589 Total paid losses 121,490 339,412 2,335,053 84,136 1,070,341 Balance as of December 31, 2015, net of reinsurance (3) 195,027 1,151,338 395,781 3,625 488,686 Plus: Reinsurance ceded and other (1) 2,750 41,658 93,030 161 200,719 Balance as of December 31, 2015, gross of reinsurance (3) $ 197,777 $ 1,192,996 $ 488,811 $ 3,786 $ 689,405 (1) Reinsurance ceded and other includes claims and benefits payable balances that have either been (a) reinsured to third parties, (b) established for claims related expenses whose subsequent payment is not recorded as a paid claim, or (c) reserves established for obligations that would persist even if contracts were cancelled (such as extension of benefits), which cannot be analyzed appropriately under a roll-forward approach. (2) Short duration and long duration medical methodologies used for settling claims and benefits payable are similar. (3) The Company’s net retained credit life and disability claims and benefits payable were $33,852 , $45,096 and $54,483 at December 31, 2015, 2014 and 2013. (4) Includes the reclassification of assets held for sale as described in Note 4.

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2015
Reinsurance Disclosures [Abstract]
Reinsurance Recoverable	The following table provides details of the reinsurance recoverables balance for the years ended December 31: 2015 2014 Ceded future policyholder benefits and expense $ 4,037,682 $ 4,052,976 Ceded unearned premium 1,667,228 1,587,583 Ceded claims and benefits payable 1,429,128 1,283,510 Ceded paid losses 336,365 330,516 Total $ 7,470,403 $ 7,254,585
Schedule Of Rating For Existing Reinsurance	The following table provides the reinsurance recoverable as of December 31, 2015 grouped by A.M. Best rating: Best Ratings of Reinsurer_____ Ceded future policyholder benefits and expense Ceded unearned premiums Ceded claims and benefits payable Ceded paid losses Total A++ or A+ $ 2,567,918 $ 50,041 $ 977,498 $ 17,445 $ 3,612,902 A or A- 1,460,465 79,623 185,131 25,292 1,750,511 B++ or B+ 747 23,153 2,628 — 26,528 B or B- 251 258 86 45 640 Not Rated 8,301 1,514,153 263,785 304,403 2,090,642 Total 4,037,682 1,667,228 1,429,128 347,185 7,481,223 Less: Allowance — — — (10,820 ) (10,820 ) Net reinsurance recoverable $ 4,037,682 $ 1,667,228 $ 1,429,128 $ 336,365 $ 7,470,403
Effect Of Reinsurance On Premiums Earned And Benefits Incurred	The effect of reinsurance on premiums earned and benefits incurred was as follows: Years Ended December 31, 2015 2014 2013 Long Duration Short Duration Total Long Duration Short Duration Total Long Duration Short Duration Total Direct earned premiums $ 509,080 $ 11,091,644 $ 11,600,724 $ 510,822 $ 10,740,127 $ 11,250,949 $ 555,368 $ 9,293,288 $ 9,848,656 Premiums assumed 8,410 517,578 525,988 8,762 478,894 487,656 10,117 304,980 315,097 Premiums ceded (288,975 ) (3,486,740 ) (3,775,715 ) (276,525 ) (2,829,938 ) (3,106,463 ) (304,064 ) (2,099,893 ) (2,403,957 ) Net earned premiums $ 228,515 $ 8,122,482 $ 8,350,997 $ 243,059 $ 8,389,083 $ 8,632,142 $ 261,421 $ 7,498,375 $ 7,759,796 Direct policyholder benefits $ 937,962 $ 6,024,395 $ 6,962,357 $ 1,702,475 $ 5,244,646 $ 6,947,121 $ 933,110 $ 3,706,848 $ 4,639,958 Policyholder benefits assumed 19,948 290,925 310,873 23,911 306,365 330,276 22,844 211,446 234,290 Policyholder benefits ceded (647,873 ) (1,882,822 ) (2,530,695 ) (1,373,953 ) (1,498,111 ) (2,872,064 ) (590,281 ) (608,435 ) (1,198,716 ) Net policyholder benefits $ 310,037 $ 4,432,498 $ 4,742,535 $ 352,433 $ 4,052,900 $ 4,405,333 $ 365,673 $ 3,309,859 $ 3,675,532

Common Stock (Tables)

Common Stock (Tables)	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Changes In The Number Of Common Stock Shares Outstanding	Changes in the number of common stock shares outstanding are as follows: December 31, 2015 2014 2013 Shares outstanding, beginning 69,299,559 71,828,208 78,664,029 Vested restricted stock and restricted stock units, net (a) 335,518 321,841 340,525 Issuance related to performance share units (a) 269,576 277,164 252,025 Issuance related to ESPP 130,622 141,576 217,573 Issuance related to SARS exercise — 29,260 61,070 Shares repurchased (4,184,889 ) (3,298,490 ) (7,707,014 ) Shares outstanding, ending 65,850,386 69,299,559 71,828,208 (a) Vested restricted stock, restricted stock units and performance share units are shown net of shares retired to cover participant tax liability

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Share-based Compensation [Abstract]
Summary Of Company's Outstanding Restricted Stock Units	A summary of the Company’s outstanding restricted stock units is presented below: Shares Weighted-Average Grant-Date Fair Value Shares outstanding at December 31, 2014 978,028 $ 51.39 Grants 366,200 63.09 Vests (557,402 ) 47.92 Forfeitures and adjustments (38,007 ) 59.63 Shares outstanding at December 31, 2015 748,819 $ 59.34
Schedule Of Company's Outstanding Performance Share Units	A summary of the Company’s outstanding performance share units is presented below: Performance Share Units Weighted-Average Grant-Date Fair Value Performance share units outstanding, December 31, 2014 1,127,088 $ 49.63 Grants 355,688 61.82 Vests (458,755 ) 41.68 Performance adjustment (1) 70,140 41.68 Forfeitures and adjustments (31,242 ) 58.90 Performance share units outstanding, December 31, 2015 1,062,919 $ 56.37 (1) Represents the change in shares issued based upon the attainment of performance goals established by the Company.
Schedule Of Estimation Of Fair Value Of Awards	For awards granted during the year ended December 31, 2015 2014 2013 Expected volatility 19.06 % 24.66 % 26.76 % Expected term (years) 2.81 2.80 2.80 Risk free interest rate 0.99 % 0.66 % 0.39 %
Schedule of Share-based Payment Award, ESPP, Valuation Assumptions	The fair value of each award under the ESPP was estimated at the beginning of each offering period using the Black-Scholes option-pricing model and assumptions in the table below. Expected volatilities are based on implied volatilities from traded options on the Company’s stock and the historical volatility of the Company’s stock. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. The dividend yield is based on the current annualized dividend and share price as of the grant date. For awards issued during the year ended December 31, 2015 2014 2013 Expected volatility 16.79 - 17.67% 19.02 - 20.65% 18.30 - 25.40% Risk free interest rates 0.06 - 0.11% 0.09% 0.08 - 0.15% Dividend yield 1.58 - 1.62% 1.52 - 1.92% 2.34 - 2.38% Expected term (years) 0.5 0.5 0.5

Stock Repurchase (Tables)

Stock Repurchase (Tables)	12 Months Ended
	Dec. 31, 2015
Class of Stock Disclosures [Abstract]
Shares Repurchased	The following table shows the shares repurchased during the periods indicated: Period in 2015 Number of Shares Purchased Average Price Paid Per Share Total Number of Shares Purchased as Part of Publicly Announced Programs January 529,100 $ 65.51 529,100 February 120,000 61.07 120,000 March 645,000 61.50 645,000 April 640,000 61.20 640,000 May 472,000 64.89 472,000 June 482,586 67.19 482,586 July 303,807 70.98 303,807 August 67,436 73.67 67,436 September — — — October 924,960 80.26 924,960 November — — — December — — — Total 4,184,889 $ 68.02 4,184,889

Accumulated Other Comprehensi58

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Components Of Accumulated Other Comprehensive Income, Net Of Tax	The following tables summarize those reclassification adjustments (net of taxes): Year Ended December 31, 2015 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2014 $ (127,711 ) $ 793,082 $ 26,594 $ (136,198 ) $ 555,767 Other comprehensive loss before reclassifications (143,023 ) (324,934 ) (2,746 ) (3,130 ) (473,833 ) Amounts reclassified from accumulated other comprehensive income (loss) — 27,295 (1,414 ) 10,734 36,615 Net current-period other comprehensive (loss) income (143,023 ) (297,639 ) (4,160 ) 7,604 (437,218 ) Balance at December 31, 2015 $ (270,734 ) $ 495,443 $ 22,434 $ (128,594 ) $ 118,549 Year Ended December 31, 2014 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2013 $ (38,767 ) $ 526,071 $ 26,427 $ (86,901 ) $ 426,830 Other comprehensive (loss) income before reclassifications (88,944 ) 235,000 (1,321 ) (56,647 ) 88,088 Amounts reclassified from accumulated other comprehensive income — 32,011 1,488 7,350 40,849 Net current-period other comprehensive (loss) income (88,944 ) 267,011 167 (49,297 ) 128,937 Balance at December 31, 2014 $ (127,711 ) $ 793,082 $ 26,594 $ (136,198 ) $ 555,767 Year Ended December 31, 2013 Foreign currency translation adjustment Unrealized gains on securities OTTI Pension under- funding Accumulated other comprehensive income Balance at December 31, 2012 $ 6,882 $ 981,879 $ 23,861 $ (182,219 ) $ 830,403 Other comprehensive (loss) income before reclassifications (45,649 ) (478,853 ) (2,237 ) 77,938 (448,801 ) Amounts reclassified from accumulated other comprehensive income — 23,045 4,803 17,380 45,228 Net current-period other comprehensive (loss) income (45,649 ) (455,808 ) 2,566 95,318 (403,573 ) Balance at December 31, 2013 $ (38,767 ) $ 526,071 $ 26,427 $ (86,901 ) $ 426,830
Reclassification Out Of Accumulated Other Comprehensive Income	The following tables summarize the reclassifications out of accumulated other comprehensive income. Details about accumulated other comprehensive income components Amount reclassified from accumulated other comprehensive income Affected line item in the statement where net income is presented Years Ended December 31, 2015 2014 2013 Unrealized gains on securities $ 41,992 $ 49,248 $ 35,454 Net realized gains on investments, excluding other-than-temporary impairment losses (14,697 ) (17,237 ) (12,409 ) Provision for income taxes $ 27,295 $ 32,011 $ 23,045 Net of tax OTTI $ (2,176 ) $ 2,289 $ 7,389 Portion of net loss (gain) recognized in other comprehensive income, before taxes 762 (801 ) (2,586 ) Provision for income taxes $ (1,414 ) $ 1,488 $ 4,803 Net of tax Amortization of pension and postretirement unrecognized net periodic benefit cost: Amortization of prior service cost $ (146 ) $ (97 ) $ (77 ) (1) Amortization of net loss 16,660 11,405 26,816 (1) 16,514 11,308 26,739 Total before tax (5,780 ) (3,958 ) (9,359 ) Provision for income taxes $ 10,734 $ 7,350 $ 17,380 Net of tax Total reclassifications for the period $ 36,615 $ 40,849 $ 45,228 Net of tax (1) These accumulated other comprehensive income components are included in the computation of net periodic pension cost. See Note 21 - Retirement and Other Employee Benefits for additional information

Statutory Information (Tables)

Statutory Information (Tables)	12 Months Ended
	Dec. 31, 2015
Insurance [Abstract]
Summary Of Statutory Net Income And Capital And Surplus	The combined statutory net income, excluding intercompany dividends and surplus note interest, and capital and surplus of the Company’s U.S. domiciled statutory insurance subsidiaries follow: Years Ended December 31, 2015 2014 2013 Statutory net income P&C companies $ 437,422 $ 440,930 $ 457,068 Life and Health companies (266,559 ) 67,270 148,851 Total statutory net income (1) $ 170,863 $ 508,200 $ 605,919 December 31, 2015 2014 Statutory capital and surplus P&C companies $ 1,137,978 $ 1,396,305 Life and Health companies 1,153,137 1,064,174 Total statutory capital and surplus $ 2,291,115 $ 2,460,479 (1) The decline in 2015 from 2014 is primarily due to higher loss experience and adverse claims development on 2015 individual major medical policies, a reduction in the 2014 estimated recoveries from the Affordable Care Act risk mitigation programs and $106,389 (after-tax) of exit and disposal costs, including premium deficiency reserves, severance and retention costs, long-lived asset impairments and similar exit and disposal costs related to the decision to exit the health business mentioned above.

Retirement And Other Employee60

Retirement And Other Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2015
Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]
Summary Of Pension Benefits And Retirement Health Benefits Plans	Summarized information on the Company’s Pension Benefits and Retirement Health Benefits plans (together the “Plans”) for the years ended December 31 is as follows: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Change in projected benefit obligation Projected benefit obligation at beginning of year $ (1,064,042 ) $ (905,943 ) $ (956,172 ) $ (96,306 ) $ (79,046 ) $ (86,237 ) Service cost (41,989 ) (36,609 ) (38,580 ) (2,429 ) (2,188 ) (2,863 ) Interest cost (41,766 ) (43,613 ) (38,243 ) (3,834 ) (3,868 ) (3,473 ) Actuarial (loss) gain, including curtailments and settlements 52,201 (127,940 ) 89,029 5,938 (13,910 ) 11,213 Benefits paid 77,002 50,063 38,023 3,121 2,706 2,314 Projected benefit obligation at end of year $ (1,018,594 ) $ (1,064,042 ) $ (905,943 ) $ (93,510 ) $ (96,306 ) $ (79,046 ) Change in plan assets Fair value of plan assets at beginning of year $ 879,211 $ 786,750 $ 704,976 $ 50,068 $ 46,971 $ 45,651 Actual return on plan assets (5,458 ) 102,628 64,641 (291 ) 5,403 3,234 Employer contributions 37,664 41,384 56,217 200 400 400 Benefits paid (including administrative expenses) (78,731 ) (51,551 ) (39,084 ) (3,121 ) (2,706 ) (2,314 ) Fair value of plan assets at end of year $ 832,686 $ 879,211 $ 786,750 $ 46,856 $ 50,068 $ 46,971 Funded status at end of year $ (185,908 ) $ (184,831 ) $ (119,193 ) $ (46,654 ) $ (46,238 ) $ (32,075 )
Summary Of Projected Benefit Obligations And The Accumulated Benefit Obligations	For the years ended December 31, 2015, 2014 and 2013, the projected benefit obligations, the accumulated benefit obligations of Pension Benefits, and fair value of plan assets are as follows: Qualified Pension Benefits Non-Qualified Pension Benefits Total Pension Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Fair value of plan assets $ 832,686 $ 879,211 $ 786,750 $ — $ — $ — $ 832,686 $ 879,211 $ 786,750 Projected benefit obligation (884,659 ) (908,167 ) (768,672 ) (133,935 ) (155,875 ) (137,271 ) (1,018,594 ) (1,064,042 ) (905,943 ) Funded status at end of year $ (51,973 ) $ (28,956 ) $ 18,078 $ (133,935 ) $ (155,875 ) $ (137,271 ) $ (185,908 ) $ (184,831 ) $ (119,193 ) Accumulated benefit obligation $ 764,654 $ 761,802 $ 645,431 $ 113,712 $ 133,185 $ 115,286 $ 878,366 $ 894,987 $ 760,717
Amount Recognized In Consolidated Balance Sheets	Amounts recognized in the consolidated balance sheets consist of: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Assets $ — $ — $ 18,078 $ — $ — $ — Liabilities $ (185,908 ) $ (184,831 ) $ (137,271 ) $ (46,654 ) $ (46,238 ) $ (32,075 )
Amounts Recognized In Accumulated Other Comprehensive Income	Amounts recognized in accumulated other comprehensive income consist of: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Net (loss) gain $ (201,578 ) $ (210,859 ) $ (147,288 ) $ 1,987 $ (394 ) $ 11,710 Prior service (cost) credit (2,339 ) (3,272 ) (4,119 ) 4,236 5,169 6,102 $ (203,917 ) $ (214,131 ) $ (151,407 ) $ 6,223 $ 4,775 $ 17,812
Components Of Net Periodic Benefit Cost	Components of net periodic benefit cost and other amounts recognized in accumulated other comprehensive income for the years ended December 31 were as follows: Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 Net periodic benefit cost Service cost $ 41,989 $ 36,609 $ 38,580 $ 2,429 $ 2,188 $ 2,863 Interest cost 41,766 43,613 38,243 3,834 3,868 3,473 Expected return on plan assets (53,868 ) (49,552 ) (44,222 ) (3,267 ) (3,081 ) (2,998 ) Amortization of prior service cost 787 836 856 (933 ) (933 ) (933 ) Amortization of net loss (gain) 16,660 11,921 26,816 — (516 ) — Curtailment/settlement charge 1,622 871 — — — — Net periodic benefit cost $ 48,956 $ 44,298 $ 60,273 $ 2,063 $ 1,526 $ 2,405 Other changes in plan assets and benefit obligations recognized in accumulated other comprehensive income Net loss (gain) $ 9,099 $ 75,909 $ (108,387 ) $ (2,382 ) $ 11,588 $ (11,449 ) Amortization of prior service cost, and effects of curtailments/settlements (933 ) (847 ) (856 ) 933 933 933 Amortization of net (loss) gain (18,381 ) (12,338 ) (26,816 ) — 516 — Total recognized in accumulated other comprehensive income $ (10,215 ) $ 62,724 $ (136,059 ) $ (1,449 ) $ 13,037 $ (10,516 ) Total recognized in net periodic benefit cost and other comprehensive income loss $ 38,741 $ 107,022 $ (75,786 ) $ 614 $ 14,563 $ (8,111 )
Weighted-Average Assumptions Used To Determine Projected Benefit Obligation	Determination of the projected benefit obligation was based on the following weighted-average assumptions for the years ended December 31: Qualified Pension Benefits Nonqualified Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Discount rate 4.55 % 4.09 % 4.98 % 4.25 % 3.77 % 4.64 % 4.53 % 4.07 % 4.99 %
Weighted-Average Assumptions Used To Determine Net Periodic Benefit Cost	Determination of the net periodic benefit cost was based on the following weighted-average assumptions for the years ended December 31: Qualified Pension Benefits Nonqualified Pension Benefits Retirement Health Benefits 2015 2014 2013 2015 2014 2013 2015 2014 2013 Discount rate 4.09 % 4.98 % 4.12 % 3.77 % 4.64 % 3.71 % 4.07 % 4.99 % 4.12 % Expected long-term return on plan assets 6.75 % 6.75 % 6.75 % — — — 6.75 % 6.75 % 6.75 % * Assumed rates of compensation increases are also used to determine net periodic benefit cost. Assumed rates varied by age and ranged from 3.25% to 9.30% for the Pension Benefits for the years ended December 31, 2015, 2014 and 2013.
Summary Of Health Care Cost Trend Rates	The assumed health care cost trend rates used in measuring the accumulated postretirement benefit obligation and net periodic benefit cost were as follows: Retirement Health Benefits 2015 2014 2013 Health care cost trend rate assumed for next year: Pre-65 Non-reimbursement Plan 9.3 % 8.1 % 8.7 % Post-65 Non-reimbursement Plan (Medical) 5.7 % 8.0 % 8.5 % Post-65 Non-reimbursement Plan (Rx) 10.2 % 8.0 % 8.5 % Pre-65 Reimbursement Plan 8.1 % 8.1 % 8.7 % Post-65 Reimbursement Plan 8.1 % 8.1 % 8.7 % Rate to which the cost trend rate is assumed to decline (the ultimate trend rate) 4.5 % 4.5 % 4.5 % Year that the rate reaches the ultimate trend rate Pre-65 Non-reimbursement Plan 2030 2028 2028 Post-65 Non-reimbursement Plan (Medical & Rx) 2030 2028 2028 Pre-65 Reimbursement Plan 2030 2028 2028 Post-65 Reimbursement Plan 2030 2028 2028
Effect Of One Percent Change In Assumed Health Care Cost	A one-percentage point change in assumed health care cost trend rates would have the following effects: Retirement Health Benefits 2015 2014 2013 One percentage point increase in health care cost trend rate Effect on total of service and interest cost components $ 38 $ 39 $ 43 Effect on postretirement benefit obligation 622 646 601 One percentage point decrease in health care cost trend rate Effect on total of service and interest cost components $ (59 ) $ (60 ) $ (66 ) Effect on postretirement benefit obligation (908 ) (933 ) (884 )
Allocation Of Plan Assets, Based On The Fair Value Of Assets Held And Target Allocation	As a result of this review, the Investment Committee adopted the current target asset allocation. The allocation is consistent with 2014. The Plans’ Asset Allocation Percentages Financial Assets (1) Low Target (2) High Equity securities: Common stock- U.S. listed small cap 5.0 % 7.5 % 10.0 % Mutual fund- U.S. listed large cap 10.0 % 15.0 % 20.0 % Common/collective trust- foreign listed 5.0 % 7.5 % 10.0 % Fixed maturity securities: U.S. & foreign government and government agencies and authorities 6.5 % 9.0 % 11.5 % Corporate- U.S. & foreign investment grade 31.0 % 33.5 % 36.0 % Corporate- U.S. & foreign high yield 5.0 % 7.5 % 10.0 % Alternative investment fund: Multi-strategy hedge fund 5.5 % 8.0 % 10.5 % Commingled real estate fund 3.5 % 6.0 % 8.5 % Private equity fund — % 6.0 % 8.5 % (1) The Plans’ long-term asset allocation targets are 30% equity, 50% fixed income and 20% investment funds. The Company invests certain plan assets in investment funds, examples of which include real estate investment funds and private equity funds. Amounts allocated for these investments are included in the alternative investment funds caption of the asset allocation at December 31, 2015, provided in the section above. (2) It is understood that these guidelines are targets and that deviations may occur periodically as a result of cash flows, market impact or short-term decisions implemented by either the Investment Committee or their investment managers.
Schedule Of Fair Value Hierarchy For Qualified Pension And Other Post Retirement Benefit Plan Assets	The fair value hierarchy for the Company’s qualified pension plan and other post retirement benefit plan assets at December 31, 2015 by asset category, is as follows: Qualified Pension Benefits December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 30,628 $ — $ 30,628 $ — Equity securities: Common stock- U.S. listed small cap 66,948 66,948 — — Preferred stock 4,420 4,420 — — Mutual funds- U.S. listed large cap 141,580 141,580 — — Common/collective trust- foreign listed 57,948 — 57,948 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 126,531 — 126,531 — Corporate- U.S. & foreign investment grade 221,766 — 221,766 — Corporate- U.S. & foreign high yield 57,238 — 57,238 — Investment fund: Multi-strategy hedge fund 61,761 — — 61,761 Commingled real estate fund 49,643 — 49,643 — Private equity fund 6,210 — — 6,210 Derivatives: Interest rate swap 14,024 — 14,024 — Total financial assets $ 838,697 (1) $ 212,948 $ 557,778 $ 67,971 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. Retirement Health Benefits December 31, 2015 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 1,723 $ — $ 1,723 $ — Equity securities: Common stock- U.S. listed small cap 3,767 3,767 — — Preferred stock 249 249 — — Mutual funds- U.S. listed large cap 7,967 7,967 — — Common/collective trust- foreign listed 3,261 — 3,261 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 7,120 — 7,120 — Corporate- U.S. & foreign investment grade 12,479 — 12,479 — Corporate- U.S. & foreign high yield 3,221 — 3,221 — Investment fund: Multi-strategy hedge fund 3,475 — — 3,475 Commingled real estate fund 2,794 — 2,794 — Private equity fund 350 — — 350 Derivatives: Interest rate swap 789 — 789 — Total financial assets $ 47,195 (1) $ 11,983 $ 31,387 $ 3,825 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. The fair value hierarchy for the Company’s qualified pension plan and other post retirement benefit plan assets at December 31, 2014 by asset category, is as follows: Qualified Pension Benefits December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 41,165 $ — $ 41,165 $ — Equity securities: Common stock- U.S. listed small cap 63,761 63,761 — — Preferred stock 4,209 4,209 — — Mutual funds- U.S. listed large cap 191,240 191,240 — — Common/collective trust- foreign listed 59,249 — 59,249 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 121,694 — 121,694 — Corporate- U.S. & foreign investment grade 226,078 — 226,078 — Corporate- U.S. & foreign high yield 55,759 — 55,759 — Investment fund: Multi-strategy hedge fund 63,132 — — 63,132 Commingled real estate fund 43,471 — 43,471 — Private equity fund 4,614 — — 4,614 Derivatives: Interest rate swap 14,242 — 14,242 — Total financial assets $ 888,614 (1) $ 259,210 $ 561,658 $ 67,746 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy. Retirement Health Benefits December 31, 2014 Financial Assets Total Level 1 Level 2 Level 3 Cash and cash equivalents: Short-term investment funds $ 2,344 $ — $ 2,344 $ — Equity securities: Common stock- U.S. listed small cap 3,631 3,631 — — Preferred stock 240 240 — — Mutual funds- U.S. listed large cap 10,890 10,890 — — Common/collective trust- foreign listed 3,374 — 3,374 — Fixed maturity securities: U.S. & foreign government and government agencies and authorities 6,930 — 6,930 — Corporate- U.S. & foreign investment grade 12,874 — 12,874 — Corporate- U.S. & foreign high yield 3,175 — 3,175 — Investment fund: Multi-strategy hedge fund 3,595 — — 3,595 Commingled real estate fund 2,476 — 2,476 — Private equity fund 263 — — 263 Derivatives: Interest rate swap 811 — 811 — Total financial assets $ 50,603 (1) $ 14,761 $ 31,984 $ 3,858 (1) The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy.
Summary Of Change In Fair Value Financial Asset	The following table for the Company’s qualified pension plan and retirement health benefit plan summarizes the change in fair value associated with the MIMSF and Private Equity Partners XI Limited Partnership, the only Level 3 financial assets. Pension Benefit Retirement Health Benefit Beginning balance at December 31, 2014 $ 67,746 $ 3,858 Purchases 1,403 79 Refund of capital (86 ) (5 ) Actual return on plan assets and plan expenses still held at the reporting date (1,092 ) (107 ) Ending balance at December 31, 2015 $ 67,971 $ 3,825
Estimated Future Benefit Payments From The Plans	The following pension benefits, which reflect expected future service, as appropriate, are expected to be paid: Pension Benefits Retirement Health Benefits 2016 $ 60,555 $ 4,000 2017 58,245 4,361 2018 57,881 4,708 2019 60,056 5,066 2020 75,144 5,446 2021 - 2025 394,654 32,844 Total $ 706,535 $ 56,425

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Financial Information By Segment	The following tables summarize selected financial information by segment: Year Ended December 31, 2015 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 3,015,846 $ 2,044,701 $ 2,223,696 $ 1,066,754 $ — $ 8,350,997 Net investment income 376,683 92,859 24,487 110,998 21,190 626,217 Net realized gains on investments — — — — 31,826 31,826 Amortization of deferred gain on disposal of businesses — — — — 12,988 12,988 Fees and other income 785,611 405,545 54,622 25,006 32,682 1,303,466 Total revenues 4,178,140 2,543,105 2,302,805 1,202,758 98,686 10,325,494 Benefits, losses and expenses Policyholder benefits 919,403 788,549 2,301,241 730,192 3,150 4,742,535 Amortization of deferred acquisition costs and value of business acquired 1,078,551 280,492 10,694 32,836 — 1,402,573 Underwriting, general and administrative expenses 1,903,712 1,010,445 516,726 365,921 127,285 3,924,089 Interest expense — — — — 55,116 55,116 Total benefits, losses and expenses 3,901,666 2,079,486 2,828,661 1,128,949 185,551 10,124,313 Segment income (loss) before provision (benefit) for income taxes 276,474 463,619 (525,856 ) 73,809 (86,865 ) 201,181 Provision (benefit) for income taxes 79,291 155,914 (157,949 ) 26,487 (44,117 ) 59,626 Segment income (loss) after taxes $ 197,183 $ 307,705 $ (367,907 ) $ 47,322 $ (42,748 ) Net income $ 141,555 Segment assets (1): $ 14,356,484 $ 3,648,738 $ 1,437,032 $ 2,190,808 $ 8,410,066 $ 30,043,128 (1) Beginning January 1, 2015, goodwill is included on the respective segment balance sheets. Prior to January 1, 2015, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. (1) As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets. Year Ended December 31, 2014 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 3,128,868 $ 2,506,097 $ 1,945,452 $ 1,051,725 $ — $ 8,632,142 Net investment income 382,640 101,908 35,369 117,192 19,320 656,429 Net realized gains on investments — — — — 60,783 60,783 Amortization of deferred gain on disposal of businesses — — — — (1,506 ) (1,506 ) Fees and other income 667,852 301,048 40,016 24,204 685 1,033,805 Total revenues 4,179,360 2,909,053 2,020,837 1,193,121 79,282 10,381,653 Benefits, losses and expenses Policyholder benefits 1,027,469 1,085,339 1,575,633 716,892 — 4,405,333 Amortization of deferred acquisition costs and value of business acquired 1,106,889 343,314 4,570 30,785 — 1,485,558 Underwriting, general and administrative expenses 1,723,169 961,972 491,248 368,763 143,078 3,688,230 Interest expense — — — — 58,395 58,395 Total benefits, losses and expenses 3,857,527 2,390,625 2,071,451 1,116,440 201,473 9,637,516 Segment income (loss) before provision (benefit) for income taxes 321,833 518,428 (50,614 ) 76,681 (122,191 ) 744,137 Provision (benefit) for income taxes 102,885 176,671 13,134 28,000 (47,460 ) 273,230 Segment income (loss) after taxes $ 218,948 $ 341,757 $ (63,748 ) $ 48,681 $ (74,731 ) Net income $ 470,907 Segment assets: Segment assets, excluding goodwill $ 14,260,609 $ 4,010,393 $ 1,210,615 $ 2,242,145 $ 8,997,465 $ 30,721,227 Goodwill 841,239 Total assets $ 31,562,466 Year Ended December 31, 2013 Solutions Specialty Property Health Employee Benefits Corporate & Other Consolidated Revenues Net earned premiums $ 2,783,758 $ 2,380,044 $ 1,581,407 $ 1,014,587 $ — $ 7,759,796 Net investment income 376,245 98,935 36,664 117,853 20,599 650,296 Net realized gains on investments — — — — 34,525 34,525 Amortization of deferred gain on disposal of businesses — — — — 16,310 16,310 Fees and other income 400,370 133,135 29,132 23,434 659 586,730 Total revenues 3,560,373 2,612,114 1,647,203 1,155,874 72,093 9,047,657 Benefits, losses and expenses Policyholder benefits 895,504 890,409 1,169,075 715,656 4,888 3,675,532 Amortization of deferred acquisition costs and value of business acquired 1,132,298 309,332 801 27,856 — 1,470,287 Underwriting, general and administrative expenses 1,341,961 758,941 434,749 360,303 138,450 3,034,404 Interest expense — — — — 77,735 77,735 Total benefits, losses and expenses 3,369,763 1,958,682 1,604,625 1,103,815 221,073 8,257,958 Segment income (loss) before provision (benefit) for income taxes 190,610 653,432 42,578 52,059 (148,980 ) 789,699 Provision (benefit) for income taxes 65,458 229,846 36,721 17,506 (48,739 ) 300,792 Segment income (loss) after taxes $ 125,152 $ 423,586 $ 5,857 $ 34,553 $ (100,241 ) Net income $ 488,907 Segment assets: Segment assets, excluding goodwill $ 13,321,648 $ 3,858,314 $ 884,077 $ 2,298,698 $ 8,567,391 $ 28,930,128 Goodwill 784,561 Total assets $ 29,714,689
Summary Of Financial Information By Geographic Location	The following table summarizes selected financial information by geographic location for the years ended or as of December 31: Location Revenues Long-lived assets 2015 United States $ 8,917,732 $ 293,915 Foreign countries 1,407,762 4,499 Total $ 10,325,494 $ 298,414 2014 United States $ 8,874,820 $ 272,555 Foreign countries 1,506,833 5,090 Total $ 10,381,653 $ 277,645 2013 United States $ 7,792,728 $ 248,331 Foreign countries 1,254,929 5,299 Total $ 9,047,657 $ 253,630
Summary Of Net Earned Premiums By Segment And Product	The Company’s net earned premiums by segment and product are as follows: 2015 2014 2013 Solutions: Credit $ 386,341 $ 478,898 $ 547,100 Service contracts 2,446,829 2,481,793 2,057,353 Preneed 60,403 61,093 66,523 Other 122,273 107,084 112,782 Total $ 3,015,846 $ 3,128,868 $ 2,783,758 Specialty Property: Homeowners (lender-placed and voluntary) $ 1,425,799 $ 1,743,965 $ 1,678,172 Manufactured housing (lender-placed and voluntary) 165,657 237,576 226,058 Other 453,245 524,556 475,814 Total $ 2,044,701 $ 2,506,097 $ 2,380,044 Health: Individual $ 1,895,970 $ 1,544,968 $ 1,174,141 Small employer group 327,726 400,484 407,266 Total $ 2,223,696 $ 1,945,452 $ 1,581,407 Employee Benefits: Group disability $ 398,172 $ 409,028 $ 403,286 Group dental 396,925 392,502 383,223 Group life 204,526 200,285 192,392 Group supplemental and vision products 67,131 49,910 35,686 Total $ 1,066,754 $ 1,051,725 $ 1,014,587

Earnings per common share (Tabl

Earnings per common share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Net Income, Weighted Average Common Shares Used In Calculating Basic Earnings Per Common Share And Diluted EPS	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, 2015 2014 2013 Numerator Net income $ 141,555 $ 470,907 $ 488,907 Deduct dividends paid (94,168 ) (77,495 ) (74,128 ) Undistributed earnings $ 47,387 $ 393,412 $ 414,779 Denominator Weighted average shares outstanding used in basic earnings per share calculations 68,163,825 72,181,447 76,648,688 Incremental common shares from: SARs — — 65,712 PSUs 789,547 905,648 864,572 ESPP 63,837 64,915 75,792 Weighted average shares used in diluted earnings per share calculations 69,017,209 73,152,010 77,654,764 Earnings per common share – Basic Distributed earnings $ 1.38 $ 1.06 $ 0.96 Undistributed earnings 0.70 5.46 5.42 Net income $ 2.08 $ 6.52 $ 6.38 Earnings per common share – Diluted Distributed earnings $ 1.36 $ 1.06 $ 0.95 Undistributed earnings 0.69 5.38 5.35 Net income $ 2.05 $ 6.44 $ 6.30

Quarterly Results Of Operatio63

Quarterly Results Of Operations (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Summary Of Quarterly Results Of Operations	The Company’s quarterly results of operations for the years ended December 31, 2015 and 2014 are summarized in the tables below: Three Month Periods Ended March 31 June 30 September 30 December 31 2015 Total revenues $ 2,598,610 $ 2,644,894 $ 2,534,156 $ 2,547,834 Income (loss) before provision (benefit) for income taxes 83,193 40,025 (32,251 ) 110,214 Net income (loss) 50,044 32,789 (7,022 ) 65,744 Basic per share data: Income (loss) before provision (benefit) for income taxes $ 1.19 $ 0.58 $ (0.48 ) $ 1.65 Net income (loss) $ 0.72 $ 0.48 $ (0.10 ) $ 0.99 Diluted* per share data: Income (loss) before provision (benefit) for income taxes $ 1.18 $ 0.58 $ (0.48 ) $ 1.63 Net income (loss) $ 0.71 $ 0.47 $ (0.10 ) $ 0.97 March 31 June 30 September 30 December 31 2014 Total revenues $ 2,448,372 $ 2,608,101 $ 2,702,488 $ 2,622,692 Income before provision for income taxes 235,253 193,787 224,751 90,346 Net income 137,245 143,610 140,297 49,755 Basic per share data: Income before provision for income taxes $ 3.23 $ 2.67 $ 3.11 $ 1.27 Net income $ 1.88 $ 1.98 $ 1.94 $ 0.70 Diluted per share data: Income before provision for income taxes $ 3.18 $ 2.63 $ 3.08 $ 1.25 Net income $ 1.86 $ 1.95 $ 1.92 $ 0.69 * In accordance with earnings per share guidance, diluted per share amounts are computed in the same manner as basic per share amounts when a loss from operations exists.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases	At December 31, 2015, the aggregate future minimum lease payments under these operating lease agreements that have initial or non-cancelable terms in excess of one year are: 2016 $ 24,590 2017 20,069 2018 16,457 2019 11,407 2020 8,171 Thereafter 14,944 Total minimum future lease payments (a) $ 95,638 (a) Minimum future lease payments exclude $14,031 of sublease rental income.

Summary Of Significant Accoun65

Summary Of Significant Accounting Policies (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounting Policies [Line Items]
Decrease in net income related to correction of errors	$ (65,744)	$ 7,022	$ (32,789)	$ (50,044)	$ (49,755)	$ (140,297)	$ (143,610)	$ (137,245)	$ (141,555)	$ (470,907)	$ (488,907)
Other comprehensive income (loss)									$ (437,218)	128,937	$ (403,573)
Percentage of market price									80.00%
Finite-lived intangible asset impairment charge									$ 0	0
Indefinite-lived intangible asset impairment charge									0	0
Increase in deferred gain on disposal of business									$ 0	12,777
Allowance against recorded receivables									100.00%
Mandated fees under Affordable Care Act	39,606				$ 25,723				$ 39,606	$ 25,723
Individual and Small Business Group
Accounting Policies [Line Items]
Minimum medical loss ratio									80.00%
Large Group Business
Accounting Policies [Line Items]
Minimum medical loss ratio									85.00%
Maximum | Buildings
Accounting Policies [Line Items]
Property and equipment, estimated useful lives, maximum (in years)									39 years 6 months
Maximum | Furniture
Accounting Policies [Line Items]
Property and equipment, estimated useful lives, maximum (in years)									7 years
Maximum | Equipment
Accounting Policies [Line Items]
Property and equipment, estimated useful lives, maximum (in years)									5 years
Maximum | Software and Software Development Costs
Accounting Policies [Line Items]
Property and equipment, estimated useful lives, maximum (in years)									20 years
Restatement Adjustment
Accounting Policies [Line Items]
Decrease in net income related to correction of errors	8,200
Overstatement of inventory and accounts receivable	$ 8,200

Reorganization (Details)

Reorganization (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2015
Restructuring Reserve [Roll Forward]
Restructuring reserve	$ 29,045	$ 17,544	$ 0	$ 0
Charges	17,156	26,735	41,738	106,389
Non-cash adjustment			(24,194)
Cash payments	(8,373)	(15,234)	0
Restructuring reserve	37,828	29,045	17,544	37,828
Amount expected to be incurred	121,275			121,275
Severance and retention
Restructuring Reserve [Roll Forward]
Restructuring reserve	24,634	14,435	0	0
Charges	16,344	20,927	14,435
Non-cash adjustment			0
Cash payments	(4,413)	(10,728)	0
Restructuring reserve	36,565	24,634	14,435	36,565
Amount expected to be incurred	82,038			82,038
Long-lived asset impairments and contract and lease terminations
Restructuring Reserve [Roll Forward]
Restructuring reserve	905	1,060	0	0
Charges	17	13	22,307
Non-cash adjustment			(21,247)
Cash payments	(152)	(168)	0
Restructuring reserve	770	905	1,060	770
Amount expected to be incurred	27,651			27,651
Other transaction costs
Restructuring Reserve [Roll Forward]
Restructuring reserve	3,506	2,049	0	0
Charges	795	5,795	4,996
Non-cash adjustment			(2,947)
Cash payments	(3,808)	(4,338)	0
Restructuring reserve	493	3,506	$ 2,049	493
Amount expected to be incurred	11,586			11,586
Premium deficiency reserves
Restructuring Reserve [Roll Forward]
Restructuring reserve	169,101
Charges	91,054
Restructuring reserve	78,047	$ 169,101		78,047
Amount expected to be incurred	$ 290,376			$ 290,376

Dispositions (Details)

Dispositions (Details) - USD ($) $ in Thousands	Oct. 07, 2015	Jan. 31, 2015	Dec. 31, 2015		Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Dec. 31, 2015		Dec. 31, 2014	Dec. 31, 2013	Oct. 01, 2015	Sep. 30, 2015	Sep. 09, 2015	Dec. 31, 2012
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Proceeds from sale of subsidiary	$ 19,600
Total assets for divested legal entities													$ 83,004
Amount of investments, cash, and cash equivalents held for sale													35,920
Amount of premiums and accounts receivable held for sale													17,312
Amount of property and equipment held for sale													19,368
Amount of other intangible assets held for sale													8,674
Amount of total liabilities held for sale													14,923
Amount of accounts payable and other liabilities held for sale													$ 13,622
Gain (loss) associated with divested business							$ 19,400	$ 1,121		$ (21,526)	$ 0
Total assets			$ 30,043,128	[1]			31,562,466	30,043,128	[1]	31,562,466	29,714,689
Fixed maturity securities, fair value			10,215,328				11,263,174	10,215,328		11,263,174
Cash and cash equivalents			1,288,305				1,318,656	1,288,305		1,318,656	1,717,184				$ 909,404
Premiums and accounts receivable			1,260,717				1,445,630	1,260,717		1,445,630
Reinsurance recoverables			7,470,403				7,254,585	7,470,403		7,254,585
Deferred acquisition costs			3,150,934				2,957,740	3,150,934		2,957,740	$ 3,128,931				$ 2,861,163
Total liabilities			25,519,161				26,381,159	25,519,161		26,381,159
Unearned premiums			6,423,720				6,529,675	6,423,720		6,529,675
Claims and benefits payable			3,896,719				3,698,606	3,896,719		3,698,606
Funds held under reinsurance			94,417				75,161	94,417		75,161
Other Income [Member]
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Gain on sale of assets			16,773
Assurant Health Supplemental and Small-Group Self-Funded Line of Business
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Cash consideration for line of business sold												$ 14,000
Gain on sale of disposal related to line of business												$ 5,336
Assurant Health Supplemental and Small-Group Self-Funded Line of Business | Selling, General and Administrative Expenses
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Loss on disposition of supplemental business			$ 11,587
Employee Benefits Business
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Cash consideration for line of business sold														$ 940,000
American Reliable Insurance Company
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Proceeds from sale of subsidiary		$ 117,860
Gain (loss) associated with divested business										(21,526)
Total assets							441,942			441,942
Fixed maturity securities, fair value							199,097			199,097
Cash and cash equivalents							48,695			48,695
Premiums and accounts receivable							26,186			26,186
Reinsurance recoverables							105,603			105,603
Deferred acquisition costs							25,055			25,055
Total liabilities							321,820			321,820
Unearned premiums							172,235			172,235
Claims and benefits payable							72,645			72,645
Funds held under reinsurance							$ 54,949			54,949
American Reliable Insurance Company | Selling, General and Administrative Expenses
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Gain (loss) associated with divested business					$ (4,164)	$ 5,284		$ 1,120		(21,526)
American Reliable Insurance Company | Goodwill | Underwriting, General and Administrative Expenses
Disposal Group, Not Discontinued Operation, Disposal Disclosures [Abstract]
Gain (loss) associated with divested business										$ (15,451)
[1]	As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets.

Investments (Narrative) (Detail

Investments (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security	Dec. 31, 2013USD ($)
Investment [Line Items]
Maximum individual state exposure	0.50%	0.50%
Advance refunded or escrowed-to-maturity securities	$ 319,654,000	$ 270,107,000
Percentage of revenue securities	50.00%	51.00%
Non-income producing material investments	$ 0	$ 0	$ 0
Securities traded continuously at a price below book value, months	6 months
Total other-than-temporary impairment	$ 7,212,000	69,000	4,516,000
Other-than-temporary impairment recognized in earnings	5,024,000	30,000	4,387,000
Other-than-temporary impairment losses recorded as a component of AOCI	$ 2,188,000	$ 39,000	129,000
Percentage of securities representing gross unrealized losses	5.00%	2.00%
Percentage of gross unrealized losses in a continuous loss position less than twelve months	88.00%	63.00%
Individual securities comprising total gross unrealized losses (in shares) | security	884	385
Percentage of residential mortgage-backed holdings exposure to sub-prime mortgage collateral	2.00%
Percentage of fixed income portfolio represents security with sub-prime exposure	1.00%
Percentage of unrealized gain position represents security with sub-prime exposure	2.00%
Percentage of security with sub-prime exposure rated as investment grade	9.00%
Approximate percentage, outstanding principal balance of commercial mortgage loans	41.00%
Outstanding balance of commercial mortgage loans	$ 1,153,838,000	$ 1,276,015,000
Commercial mortgage loan valuation allowance	2,582,000	3,399,000
Loan valuation allowance decrease	817,000	(1,083,000)
Mortgage loan commitments outstanding	6,350,000
Committed to fund additional capital contributions to joint ventures	28,607,000
Short term investments and fixed maturities	441,851,000	519,659,000
Other assets	475,731,000	847,860,000
(Loss) gain on investments	(31,826,000)	(60,783,000)	(34,525,000)
Maximum exposure to loss related to VIEs	56,781,000
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share, Unfunded Commitments	$ 28,607,000
Percentage of securities received as collateral	102.00%
Collateral held under securities lending	$ 0	95,985,000
Liability to the borrower for collateral	0	95,986,000
Minimum
Investment [Line Items]
Outstanding balance of commercial mortgage loans	17,000	77,000
Maximum
Investment [Line Items]
Outstanding balance of commercial mortgage loans	$ 14,625,000	$ 15,190,000
Canadian Government/Provincials
Investment [Line Items]
Percentage of investments in foreign governments fixed maturity securities	79.00%	76.00%
Governments Of Brazil
Investment [Line Items]
Percentage of investments in foreign governments fixed maturity securities	8.00%	10.00%
Governments Of Germany
Investment [Line Items]
Percentage of investments in foreign governments fixed maturity securities	5.00%	5.00%
Other Country
Investment [Line Items]
Percentage of investments in foreign governments fixed maturity securities	3.00%	3.00%
Energy Sector | Corporate Debt Securities
Investment [Line Items]
Investment in securities	$ 779,720,000	$ 992,012,000
Unrealized gain on investments	6,985,000	89,590,000
Europe | Corporate Fixed Maturity and Equity Securities
Investment [Line Items]
Investment in securities	888,923,000	1,060,655,000
Unrealized gain on investments	$ 67,957,000	$ 116,975,000
Investment Sector Concentration Risk | Investments | Europe | Financial Services Sector | Corporate Fixed Maturity and Equity Securities
Investment [Line Items]
Percentage of European investments held in financial industry classification	25.00%	22.00%
Geographic Concentration Risk | Investments | Unspecified European Country | Corporate Fixed Maturity and Equity Securities
Investment [Line Items]
Percentage of European investments held in financial industry classification	5.00%	5.00%
Internal Investment Grade | Investments | Energy Sector | Corporate Debt Securities
Investment [Line Items]
Percentage of European investments held in financial industry classification	89.00%	89.00%
Not Hedged to U.S. Dollars | United Kingdom, Pounds and Euro Countries, Euro | Investment Hedging Concentration Risk | Investments | Europe | Corporate Fixed Maturity and Equity Securities
Investment [Line Items]
Percentage of European investments held in financial industry classification	6.00%
Not Designated as Hedging Instrument [Member]
Investment [Line Items]
Amounts related to derivative assets	$ 6,715,000	$ 9,040,000
Amounts related to derivative liabilities	27,689,000	25,303,000
Derivative losses recorded to income statement	$ 5,298,000	$ 7,453,000	$ 703,000

Investments (Amortized Cost, Gr

Investments (Amortized Cost, Gross Unrealized Gains And Losses, Fair Value And OTTI) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		$ 9,470,795	$ 10,048,100
Fixed maturity securities, fair value		10,215,328	11,263,174
Equity securities available for sale, cost or amortized cost		450,563	434,875
Equity securities available for sale, at fair value		500,057	499,407
Equity securities
Schedule of Available-for-sale Securities [Line Items]
Equity securities available for sale, cost or amortized cost		450,563	434,875
Equity securities available for sale, gross unrealized gains		52,118	66,626
Equity securities available for sale, gross unrealized losses		(2,624)	(2,094)
Equity securities available for sale, at fair value		500,057	499,407
OTTI in AOCI	[1]	0	0
Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		9,470,795	10,048,100
Fixed maturity securities available for sale, gross unrealized gains		845,412	1,235,159
Fixed maturity securities available for sale, unrealized losses		(100,879)	(20,085)
Fixed maturity securities, fair value		10,215,328	11,263,174
OTTI in AOCI	[1]	34,513	40,914
Fixed maturity securities | United States Government and government agencies and authorities
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		150,681	172,070
Fixed maturity securities available for sale, gross unrealized gains		3,891	5,201
Fixed maturity securities available for sale, unrealized losses		(537)	(429)
Fixed maturity securities, fair value		154,035	176,842
OTTI in AOCI	[1]	0	0
Fixed maturity securities | States, municipalities and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		647,335	703,167
Fixed maturity securities available for sale, gross unrealized gains		48,389	67,027
Fixed maturity securities available for sale, unrealized losses		(94)	(353)
Fixed maturity securities, fair value		695,630	769,841
OTTI in AOCI	[1]	0	0
Fixed maturity securities | Foreign governments
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		497,785	591,981
Fixed maturity securities available for sale, gross unrealized gains		65,188	74,339
Fixed maturity securities available for sale, unrealized losses		(723)	(1,457)
Fixed maturity securities, fair value		562,250	664,863
OTTI in AOCI	[1]	0	0
Fixed maturity securities | Asset-backed
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		3,499	3,917
Fixed maturity securities available for sale, gross unrealized gains		1,367	1,680
Fixed maturity securities available for sale, unrealized losses		(204)	(78)
Fixed maturity securities, fair value		4,662	5,519
OTTI in AOCI	[1]	1,285	1,570
Fixed maturity securities | Corporate
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		7,196,079	7,621,054
Fixed maturity securities available for sale, gross unrealized gains		677,549	1,026,927
Fixed maturity securities available for sale, unrealized losses		(95,912)	(16,614)
Fixed maturity securities, fair value		7,777,716	8,631,367
OTTI in AOCI	[1]	17,885	21,612
Fixed maturity securities | Commercial mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		22,169	44,907
Fixed maturity securities available for sale, gross unrealized gains		352	1,109
Fixed maturity securities available for sale, unrealized losses		0	0
Fixed maturity securities, fair value		22,521	46,016
OTTI in AOCI	[1]	0	0
Fixed maturity securities | Residential mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		953,247	911,004
Fixed maturity securities available for sale, gross unrealized gains		48,676	58,876
Fixed maturity securities available for sale, unrealized losses		(3,409)	(1,154)
Fixed maturity securities, fair value		998,514	968,726
OTTI in AOCI	[1]	15,343	17,732
Non-redeemable preferred stocks | Equity securities
Schedule of Available-for-sale Securities [Line Items]
Equity securities available for sale, cost or amortized cost		437,515	412,575
Equity securities available for sale, gross unrealized gains		45,495	50,975
Equity securities available for sale, gross unrealized losses		(2,617)	(2,093)
Equity securities available for sale, at fair value		480,393	461,457
OTTI in AOCI	[1]	0	0
Common stocks | Equity securities
Schedule of Available-for-sale Securities [Line Items]
Equity securities available for sale, cost or amortized cost		13,048	22,300
Equity securities available for sale, gross unrealized gains		6,623	15,651
Equity securities available for sale, gross unrealized losses		(7)	(1)
Equity securities available for sale, at fair value		19,664	37,950
OTTI in AOCI	[1]	0	$ 0
States, municipalities and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Fixed maturity securities available for sale, amortized cost		647,335
Fixed maturity securities, fair value		$ 695,630
[1]	Represents the amount of OTTI recognized in accumulated other comprehensive income ("AOCI"). Amount includes unrealized gains and losses on impaired securities relating to changes in the value of such securities subsequent to the impairment measurement date.

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Fixed Maturity Securities By Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Due in one year or less, cost or amortized cost	$ 324,097
Due after one year through five years, cost or amortized cost	1,904,357
Due after five years through ten years, cost or amortized cost	2,121,934
Due after ten years, cost or amortized cost	4,141,492
Total fixed maturity securities, cost or amortized cost	8,491,880
Fixed maturity securities available for sale, amortized cost	9,470,795	$ 10,048,100
Due in one year or less, fair value	327,824
Due after one year through five years, fair value	1,984,818
Due after five years through ten years, fair value	2,171,426
Due after ten years, fair value	4,705,563
Total fixed maturity securities, fair value	9,189,631
Fixed maturity securities, fair value	10,215,328	$ 11,263,174
Residential mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Cost or amortized cost	953,247
Fair Value	998,514
Commercial mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Cost or amortized cost	22,169
Fair Value	22,521
Asset-backed
Schedule of Available-for-sale Securities [Line Items]
Cost or amortized cost	3,499
Fair Value	$ 4,662

Investments (Categories Of Net

Investments (Categories Of Net Investment Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	$ 649,466	$ 682,254	$ 674,656
Investment expenses	(23,249)	(25,825)	(24,360)
Net investment income	626,217	656,429	650,296
Fixed maturity securities
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	486,165	522,309	530,144
Equity securities
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	29,957	28,014	27,013
Commercial mortgage loans on real estate
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	72,658	73,959	76,665
Policy loans
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	2,478	2,939	3,426
Short-term investments
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	2,033	1,950	2,156
Cash and cash equivalents
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	18,416	18,556	14,679
Other investments
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Total investment income	$ 37,759	$ 34,527	$ 20,573

Investments (Proceeds From Sale

Investments (Proceeds From Sales Of Available-For-Sale Securities And The Gross Realized Gains And Gross Realized Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 2,568,166	$ 1,995,368	$ 2,821,177
Gross realized gains	65,097	69,184	81,921
Gross realized losses	$ 31,657	$ 10,681	$ 50,667

Investments (Net Realized Gains

Investments (Net Realized Gains (Losses), Including Other-Than-Temporary Impairments) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Gain (Loss) on Investments [Line Items]
Net realized gains (losses) related to sales and other	$ 36,850	$ 60,813	$ 38,912
Net realized losses related to other-than-temporary impairments	(5,024)	(30)	(4,387)
Total net realized gains	31,826	60,783	34,525
Other investments
Gain (Loss) on Investments [Line Items]
Net realized gains (losses) related to sales and other	3,695	(109)	2,029
Net realized losses related to other-than-temporary impairments	0	0	(1,092)
Fixed maturity securities
Gain (Loss) on Investments [Line Items]
Net realized gains (losses) related to sales and other	13,322	54,200	14,579
Net realized losses related to other-than-temporary impairments	(5,024)	(30)	(3,295)
Equity securities
Gain (Loss) on Investments [Line Items]
Net realized gains (losses) related to sales and other	19,016	6,190	19,789
Commercial mortgage loans on real estate
Gain (Loss) on Investments [Line Items]
Net realized gains (losses) related to sales and other	$ 817	$ 532	$ 2,515

Investments (Credit Loss Impair

Investments (Credit Loss Impairments Recognized) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance, beginning of year	$ 35,424	$ 45,278	$ 95,589
Additions for credit loss impairments recognized in the current period on securities previously impaired	0	30	107
Additions for credit loss impairments recognized in the current period on securities not previously impaired	2,621	0	0
Reductions for increases in cash flows expected to be collected that are recognized over the remaining life of the security	(2,398)	(5,248)	(1,851)
Reductions for credit loss impairments previously recognized on securities which matured, paid down, prepaid or were sold during the period	(3,270)	(4,636)	(48,567)
Balance, end of year	$ 32,377	$ 35,424	$ 45,278

Investments (Duration Of Gross

Investments (Duration Of Gross Unrealized Losses On Fixed Maturity Securities And Equity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Equity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	$ 64,288	$ 8,844
Gross unrealized losses on securities, 12 months or more, fair value	13,806	24,980
Gross unrealized losses on securities, fair Value, total	78,094	33,824
Gross unrealized losses on securities, less than 12 months, unrealized losses	(1,639)	(264)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(985)	(1,830)
Gross unrealized losses on securities, unrealized losses, total	(2,624)	(2,094)
Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	2,018,037	720,465
Gross unrealized losses on securities, 12 months or more, fair value	94,115	240,810
Gross unrealized losses on securities, fair Value, total	2,112,152	961,275
Gross unrealized losses on securities, less than 12 months, unrealized losses	(89,332)	(13,740)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(11,547)	(6,345)
Gross unrealized losses on securities, unrealized losses, total	(100,879)	(20,085)
Fixed maturity securities | Corporate
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	1,636,457	640,641
Gross unrealized losses on securities, 12 months or more, fair value	54,029	113,918
Gross unrealized losses on securities, fair Value, total	1,690,486	754,559
Gross unrealized losses on securities, less than 12 months, unrealized losses	(85,247)	(13,132)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(10,665)	(3,482)
Gross unrealized losses on securities, unrealized losses, total	(95,912)	(16,614)
Fixed maturity securities | Residential mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	260,620	22,337
Gross unrealized losses on securities, 12 months or more, fair value	11,147	61,682
Gross unrealized losses on securities, fair Value, total	271,767	84,019
Gross unrealized losses on securities, less than 12 months, unrealized losses	(3,179)	(71)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(230)	(1,083)
Gross unrealized losses on securities, unrealized losses, total	(3,409)	(1,154)
Non-redeemable preferred stocks | Equity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	63,665	8,844
Gross unrealized losses on securities, 12 months or more, fair value	13,806	24,784
Gross unrealized losses on securities, fair Value, total	77,471	33,628
Gross unrealized losses on securities, less than 12 months, unrealized losses	(1,632)	(264)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(985)	(1,829)
Gross unrealized losses on securities, unrealized losses, total	(2,617)	(2,093)
Common stocks | Equity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	623	0
Gross unrealized losses on securities, 12 months or more, fair value	0	196
Gross unrealized losses on securities, fair Value, total	623	196
Gross unrealized losses on securities, less than 12 months, unrealized losses	(7)	0
Gross unrealized losses on securities, 12 months or more, unrealized losses	0	(1)
Gross unrealized losses on securities, unrealized losses, total	(7)	(1)
United States Government and government agencies and authorities | Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	90,008	34,551
Gross unrealized losses on securities, 12 months or more, fair value	5,564	21,488
Gross unrealized losses on securities, fair Value, total	95,572	56,039
Gross unrealized losses on securities, less than 12 months, unrealized losses	(465)	(188)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(72)	(241)
Gross unrealized losses on securities, unrealized losses, total	(537)	(429)
State, municipalities and political subdivisions | Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	6,881	3,050
Gross unrealized losses on securities, 12 months or more, fair value	0	4,633
Gross unrealized losses on securities, fair Value, total	6,881	7,683
Gross unrealized losses on securities, less than 12 months, unrealized losses	(94)	(282)
Gross unrealized losses on securities, 12 months or more, unrealized losses	0	(71)
Gross unrealized losses on securities, unrealized losses, total	(94)	(353)
Foreign governments | Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	24,071	19,886
Gross unrealized losses on securities, 12 months or more, fair value	22,239	37,741
Gross unrealized losses on securities, fair Value, total	46,310	57,627
Gross unrealized losses on securities, less than 12 months, unrealized losses	(347)	(67)
Gross unrealized losses on securities, 12 months or more, unrealized losses	(376)	(1,390)
Gross unrealized losses on securities, unrealized losses, total	(723)	(1,457)
Asset-backed | Fixed maturity securities
Schedule of Available-for-sale Securities [Line Items]
Gross unrealized losses on securities, less than 12 months, fair value	0	0
Gross unrealized losses on securities, 12 months or more, fair value	1,136	1,348
Gross unrealized losses on securities, fair Value, total	1,136	1,348
Gross unrealized losses on securities, less than 12 months, unrealized losses	0	0
Gross unrealized losses on securities, 12 months or more, unrealized losses	(204)	(78)
Gross unrealized losses on securities, unrealized losses, total	$ (204)	$ (78)

Investments (Amortized Cost A76

Investments (Amortized Cost And Fair Value Of Fixed Maturity Securities In An Unrealized Loss Position By Contractual Maturity) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Schedule of Available-for-sale Securities [Line Items]
Due in one year or less, cost or amortized cost	$ 52,077
Due after one year through five years, cost or amortized cost	469,320
Due after five years through ten years, cost or amortized cost	754,402
Due after ten years, cost or amortized cost	660,716
Total single maturity date, cost or amortized cost	1,936,515
Total, cost or amortized cost	2,213,031
Due in one year or less, fair value	51,667
Due after one year through five years, fair value	459,930
Due after five years through ten years, fair value	720,632
Due after ten years, fair value	607,020
Total single maturity date, fair value	1,839,249
Total, fair value	2,112,152
Residential mortgage-backed
Schedule of Available-for-sale Securities [Line Items]
Cost or amortized cost	275,176
Fair value	271,767
Asset-backed
Schedule of Available-for-sale Securities [Line Items]
Cost or amortized cost	1,340
Fair value	$ 1,136

Investments (Credit Quality Ind

Investments (Credit Quality Indicators For Commercial Mortgage Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Gross commercial mortgage loans	$ 1,153,838	$ 1,276,015
% of Gross Mortgage Loans	100.00%	100.00%
Debt-Service Coverage Ratio	1.98	1.94
Less valuation allowance	$ (2,582)	$ (3,399)
Net commercial mortgage loans	1,151,256	1,272,616
70% and less
Financing Receivable, Recorded Investment [Line Items]
Gross commercial mortgage loans	$ 1,101,572	$ 1,168,454
% of Gross Mortgage Loans	95.50%	91.60%
Debt-Service Coverage Ratio	2.01	2.01
71 – 80%
Financing Receivable, Recorded Investment [Line Items]
Gross commercial mortgage loans	$ 39,080	$ 73,762
% of Gross Mortgage Loans	3.40%	5.80%
Debt-Service Coverage Ratio	1.19	1.26
81 – 95%
Financing Receivable, Recorded Investment [Line Items]
Gross commercial mortgage loans	$ 8,370	$ 27,268
% of Gross Mortgage Loans	0.70%	2.10%
Debt-Service Coverage Ratio	1.05	1.04
Greater than 95%
Financing Receivable, Recorded Investment [Line Items]
Gross commercial mortgage loans	$ 4,816	$ 6,531
% of Gross Mortgage Loans	0.40%	0.50%
Debt-Service Coverage Ratio	3.52	0.43

Fair Value Disclosures (Narrati

Fair Value Disclosures (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfers between Level 1 and Level 2 financial assets	$ 0	$ 0
Impairment charges	1,010,000	5,019,000	$ 3,323,000
Remaining goodwill	0	0	$ 0
Priced externally | Level 3 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	304,000	63,614,000
Priced internally | Level 3 | Market Approach Valuation Technique
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	$ 65,600,000	$ 47,923,000

Fair Value Disclosures (Fair Va

Fair Value Disclosures (Fair Value For Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		$ 14,138,855	$ 14,994,576
Total financial liabilities		1,840,321	1,938,853
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		3,012,584	2,750,619
Total financial liabilities		1,632,076	1,742,029
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		11,058,012	12,129,706
Total financial liabilities		180,562	171,591
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		68,259	114,251
Total financial liabilities		27,683	25,233
Short-term investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		508,950	345,246
Short-term investments | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[1]	453,335	266,980
Short-term investments | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[2]	55,615	78,266
Short-term investments | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Assets held in separate accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		1,750,556	1,854,193
Assets held in separate accounts | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		1,570,000	1,682,671	[3]
Assets held in separate accounts | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[2]	180,556	171,522
Assets held in separate accounts | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Other assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		1,320	1,674
Other assets | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Other assets | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		886	867
Other assets | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[4]	434	807
Financial Liabilities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities		89,765	84,660
Financial Liabilities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities	[3]	62,076	59,358
Financial Liabilities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities		6	69
Financial Liabilities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities		27,683	25,233
Liabilities related to separate accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities		1,750,556	1,854,193
Liabilities related to separate accounts | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities	[3]	1,570,000	1,682,671
Liabilities related to separate accounts | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities	[2]	180,556	171,522
Liabilities related to separate accounts | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial liabilities		0	0
Other investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		253,708	272,755
Other investments | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[3]	62,076	59,358
Other investments | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[2]	189,407	211,276
Other investments | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[5]	2,225	2,121
Collateral held/pledged under securities agreements
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets			74,985
Collateral held/pledged under securities agreements | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[1]		67,783
Collateral held/pledged under securities agreements | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[2]		7,202
Collateral held/pledged under securities agreements | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets			0
Commercial mortgage-backed | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		22,521	46,016
Commercial mortgage-backed | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Commercial mortgage-backed | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		22,317	45,613
Commercial mortgage-backed | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		204	403
Residential mortgage-backed | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		998,514	968,726
Residential mortgage-backed | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Residential mortgage-backed | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		998,514	964,081
Residential mortgage-backed | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	4,645
United States Government and government agencies and authorities | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		154,035	176,842
United States Government and government agencies and authorities | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
United States Government and government agencies and authorities | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		154,035	176,842
United States Government and government agencies and authorities | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
State, municipalities and political subdivisions | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		695,630	769,841
State, municipalities and political subdivisions | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
State, municipalities and political subdivisions | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		695,630	769,841
State, municipalities and political subdivisions | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Foreign governments | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		562,250	664,863
Foreign governments | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		944	757
Foreign governments | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		561,306	664,106
Foreign governments | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Asset-backed | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		4,662	5,519
Asset-backed | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Asset-backed | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		4,662	5,519
Asset-backed | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Corporate | Fixed maturity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		7,777,716	8,631,367
Corporate | Fixed maturity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Corporate | Fixed maturity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		7,714,570	8,527,092
Corporate | Fixed maturity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		63,146	104,275
Equity securities | Common stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		19,664	37,950
Equity securities | Common stocks | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		18,981	37,266
Equity securities | Common stocks | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		683	684
Equity securities | Common stocks | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Equity securities | Non-redeemable preferred stocks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		480,393	461,457
Equity securities | Non-redeemable preferred stocks | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		0	0
Equity securities | Non-redeemable preferred stocks | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		478,143	459,457
Equity securities | Non-redeemable preferred stocks | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		2,250	2,000
Cash equivalents
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		908,936	683,142
Cash equivalents | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[1]	907,248	635,804
Cash equivalents | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets	[2]	1,688	47,338
Cash equivalents | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total financial assets		$ 0	$ 0
[1]	Mainly includes money market funds.
[2]	Mainly includes fixed maturity securities.
[3]	Mainly includes mutual funds.
[4]	Mainly includes derivatives.
[5]	Mainly includes fixed maturity securities and other derivatives.

Fair Value Disclosures (Change

Fair Value Disclosures (Change In Balance Sheet Carrying Value Associated With Level 3 Financial Assets Carried At Fair Value) (Details) - Level 3 - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, net		$ 89,018	$ 153,465
Total (losses) gains (realized/unrealized) included in earnings, net		(2,197)	(1,682)	[1]
Net unrealized gains (losses) included in other comprehensive income		(3,527)	961	[2]
Purchases, net		16,321	24,660
Sales, net		(7,556)	(21,042)
Transfers into Level 3, net		30,538	1,515	[3]
Transfers out of Level 3, net		(82,021)	(68,859)	[3]
Balance, end of period, net		40,576	89,018
Other assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		807	2,491
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	(373)	(1,684)
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	0	0
Purchases, assets		0	0
Sales, assets		0	0
Transfers into Level 3, assets	[3]	0	0
Transfers out of Level 3, assets	[3]	0	0
Balance, end of period, assets		434	807
Other liabilities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, liabilities		(25,233)	(20,330)
Total (losses) gains (realized/unrealized) included in earnings, liabilities	[1]	2,450	822
Net unrealized (losses) gains included in other comprehensive income, liabilities	[2]	0	0
Purchases, liabilities		(77)	(4,081)
Sales, liabilities		(77)	0
Transfers into Level 3, liabilities	[3]	0	0
Transfers out of Level 3, liabilities	[3]	0	0
Balance, end of period, liabilities		(27,683)	(25,233)
Other investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		2,121	4,171
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	34	(2,174)
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	(42)	10
Purchases, assets		0	440
Sales, assets		(124)	(128)
Transfers into Level 3, assets	[3]	236	0
Transfers out of Level 3, assets	[3]	0	(198)
Balance, end of period, assets		2,225	2,121
Fixed maturity securities | Commercial mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		403	598
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	0	0
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	(11)	(18)
Purchases, assets		0	0
Sales, assets		(188)	(177)
Transfers into Level 3, assets	[3]	0	0
Transfers out of Level 3, assets	[3]	0	0
Balance, end of period, assets		204	403
Fixed maturity securities | Residential mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		4,645	4,167
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	1	0
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	(104)	(78)
Purchases, assets		9,721	4,723
Sales, assets		0	0
Transfers into Level 3, assets	[3]	0	0
Transfers out of Level 3, assets	[3]	(14,263)	(4,167)
Balance, end of period, assets		0	4,645
Fixed maturity securities | State, municipalities and political subdivisions
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		0	22,657
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]		0
Net unrealized (losses) gains included in other comprehensive income, assets	[2]		0
Purchases, assets			0
Sales, assets			0
Transfers into Level 3, assets	[3]		0
Transfers out of Level 3, assets	[3]		(22,657)
Balance, end of period, assets			0
Fixed maturity securities | Foreign governments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		0	16,857
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]		(2)
Net unrealized (losses) gains included in other comprehensive income, assets	[2]		18
Purchases, assets			0
Sales, assets			0
Transfers into Level 3, assets	[3]		0
Transfers out of Level 3, assets	[3]		(16,873)
Balance, end of period, assets			0
Fixed maturity securities | Corporate
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		104,275	115,344
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	591	2,438
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	(3,620)	1,546
Purchases, assets		6,523	23,578
Sales, assets		(7,167)	(16,958)
Transfers into Level 3, assets	[3]	30,302	1,515
Transfers out of Level 3, assets	[3]	(67,758)	(23,188)
Balance, end of period, assets		63,146	104,275
Equity securities | Non-redeemable preferred stocks
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period, assets		2,000	7,510
Total (losses) gains (realized/unrealized) included in earnings, assets	[1]	0	562
Net unrealized (losses) gains included in other comprehensive income, assets	[2]	250	(517)
Purchases, assets		0	0
Sales, assets		0	(3,779)
Transfers into Level 3, assets	[3]	0	0
Transfers out of Level 3, assets	[3]	0	(1,776)
Balance, end of period, assets		$ 2,250	$ 2,000
[1]	Included as part of net realized gains on investments in the consolidated statement of operations.
[2]	Included as part of change in unrealized gains on securities in the consolidated statement of comprehensive income.
[3]	Transfers are primarily attributable to changes in the availability of observable market information and re-evaluation of the observability of pricing inputs.

Fair Value Disclosures (Carryin

Fair Value Disclosures (Carrying Value And Fair Value Of The Financial Instruments That Are Not Recognized Or Are Not Carried At Fair Value) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Funds withheld under reinsurance		$ 94,417	$ 75,161
Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial mortgage loans on real estate		1,201,806	1,448,215
Policy loans		43,858	48,272
Other investments		27,534	10,896
Total financial assets		1,273,198	1,507,383
Individual and group annuities, subject to discretionary withdrawal	[1]	676,586	764,949
Funds withheld under reinsurance		94,417	75,161
Debt		1,250,602	1,296,139
Obligations under securities agreements			95,986
Total financial liabilities		2,021,605	2,232,235
Level 1 | Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial mortgage loans on real estate		0	0
Policy loans		43,858	48,272
Other investments		0	0
Total financial assets		43,858	48,272
Individual and group annuities, subject to discretionary withdrawal	[1]	0	0
Funds withheld under reinsurance		94,417	75,161
Debt		0	0
Obligations under securities agreements			95,986
Total financial liabilities		94,417	171,147
Level 2 | Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial mortgage loans on real estate		0	0
Policy loans		0	0
Other investments		0	0
Total financial assets		0	0
Individual and group annuities, subject to discretionary withdrawal	[1]	0	0
Funds withheld under reinsurance		0	0
Debt		1,250,602	1,296,139
Obligations under securities agreements			0
Total financial liabilities		1,250,602	1,296,139
Level 3 | Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial mortgage loans on real estate		1,201,806	1,448,215
Policy loans		0	0
Other investments		27,534	10,896
Total financial assets		1,229,340	1,459,111
Individual and group annuities, subject to discretionary withdrawal	[1]	676,586	764,949
Funds withheld under reinsurance		0	0
Debt		0	0
Obligations under securities agreements			0
Total financial liabilities		676,586	764,949
Carrying Value | Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial mortgage loans on real estate		1,151,256	1,272,616
Policy loans		43,858	48,272
Other investments		27,534	10,896
Total financial assets		1,222,648	1,331,784
Individual and group annuities, subject to discretionary withdrawal	[1]	666,068	743,951
Funds withheld under reinsurance		94,417	75,161
Debt		1,171,382	1,171,079
Obligations under securities agreements			95,986
Total financial liabilities		$ 1,931,867	$ 2,086,177
[1]	Only the fair value of the Company’s policy reserves for investment-type contracts (those without significant mortality or morbidity risk) is reflected in the table above.

Premiums And Accounts Receiva82

Premiums And Accounts Receivable (Schedule Of Allowance For Uncollectible Amounts) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Premiums Receivable Disclosure [Abstract]
Insurance premiums receivable	$ 1,092,136	$ 1,275,440
Other receivables	196,277	201,758
Allowance for uncollectible amounts	(27,696)	(31,568)
Total	$ 1,260,717	$ 1,445,630

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Total unrecognized tax benefit	$ 35,618,000	$ 7,631,000	$ 12,510,000
Recognized interest expense	169,000	246,000	375,000
Interest accrued	1,733,000	1,730,000	4,500,000
Penalties accrued	0	0	$ 0
Net deferred tax liability	149,315,000	313,732,000
Deferred tax liability, by jurisdiction	177,748,000	341,290,000
Deferred tax asset, by jurisdiction	28,433,000	27,558,000
Decrease in valuation allowance related to deferred tax assets	4,946,000
Cumulative valuation allowance against deferred tax assets	13,218,000	18,164,000
Deferred tax asset	1,044,390,000	$ 988,855,000
Cumulative amount of undistributed earnings	198,325,000
Additional U.S. taxes incurred, net of anticipated foreign tax credits	21,285,000
Net operating loss carryforwards	$ 163,722,000

Income Taxes (Information About

Income Taxes (Information About Domestic And Foreign Pre-Tax Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Domestic	$ 126,797	$ 632,738	$ 716,172
Foreign	74,384	111,399	73,527
Total pre-tax income	$ 201,181	$ 744,137	$ 789,699

Income Taxes (Components Of Inc

Income Taxes (Components Of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Federal & state	$ 40,643	$ 162,483	$ 129,204
Foreign	22,851	46,593	35,188
Total current expense	63,494	209,076	164,392
Federal & state	173	72,645	131,336
Foreign	(4,041)	(8,491)	5,064
Total deferred (benefit) expense	(3,868)	64,154	136,400
Total income tax expense	$ 59,626	$ 273,230	$ 300,792

Income Taxes (Reconciliation Of

Income Taxes (Reconciliation Of Federal Income Tax Rate) (Details)		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Federal income tax rate		35.00%	35.00%	35.00%
Reconciling items:
Non-taxable investment income		(6.80%)	(1.90%)	(1.70%)
Foreign earnings	[1]	(5.20%)	(2.20%)	1.10%
Non deductible health insurer fee		9.10%	3.80%	3.40%
Non deductible health insurer fee		6.90%	1.10%	0.00%
Sale of subsidiary		(8.00%)	0.00%	0.00%
Other		(1.40%)	0.90%	0.30%
Effective income tax rate		29.60%	36.70%	38.10%
Tax benefit related to Latin American reorganization		6.50%
One-time benefit related to conversion of branch operations			2.60%
[1]	Results for all years primarily include tax expense (benefit) associated with the earnings of certain non-U.S. subsidiaries that are deemed reinvested indefinitely and realization of foreign tax credits for certain other subsidiaries. In addition, 2015 reflects a 6.5% benefit related to a Latin American reorganization and 2014 reflects a 2.6% benefit related to the conversion of Canadian branch operations of certain U.S. companies to foreign corporate entities.

Income Taxes (Summary Of Unreco

Income Taxes (Summary Of Unrecognized Tax Benefits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of year	$ (6,262)	$ (10,322)	$ (11,515)
Additions based on tax positions related to the current year	(30,712)	(2,940)	(309)
Reductions based on tax positions related to the current year	102	581	995
Additions for tax positions of prior years	(2,128)	(1,037)	(1,090)
Reductions for tax positions of prior years	1,990	2,495	959
Settlements	0	4,961	638
Balance at end of year	$ (37,010)	$ (6,262)	$ (10,322)

Income Taxes (Summary Of Deferr

Income Taxes (Summary Of Deferred Tax Assets And Deferred Tax Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Policyholder and separate account reserves	$ 568,053	$ 498,231
Accrued liabilities	32,257	23,183
Investments, net	140,785	168,061
Net operating loss carryforwards	40,479	50,103
Deferred gain on disposal of businesses	32,362	35,347
Compensation related	28,289	24,029
Employee and post-retirement benefits	115,904	111,716
Unearned fee income	50,931	55,765
Other	48,548	40,584
Total deferred tax asset	1,057,608	1,007,019
Less valuation allowance	(13,218)	(18,164)
Deferred tax assets, net of valuation allowance	1,044,390	988,855
Deferred acquisition costs	(931,630)	(867,212)
Net unrealized appreciation on securities	(262,075)	(435,375)
Total deferred tax liability	(1,193,705)	(1,302,587)
Net deferred income tax liability	$ (149,315)	$ (313,732)

Income Taxes (Summary Of Net Op

Income Taxes (Summary Of Net Operating Loss Carryforwards) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	$ 163,722
2016 - 2020
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	31,205
2021 - 2025
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	7,436
2026 - 2030
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	4,140
2031 - 2035
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	19,200
Unlimited
Operating Loss Carryforwards [Line Items]
Net operating loss carryforwards	$ 101,741

Deferred Acquisition Costs (Sch

Deferred Acquisition Costs (Schedule Of Deferred Acquisition Costs) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Beginning balance		$ 2,957,740	$ 3,128,931	$ 2,861,163
Costs deferred and other	[1]	1,587,453	1,306,390	1,729,613
Amortization		(1,394,259)	(1,477,581)	(1,461,845)
Ending balance		$ 3,150,934	$ 2,957,740	$ 3,128,931
[1]	Includes foreign currency translation, the adjustment previously disclosed in 2014 and the reclassification of assets held for sale as described in Note 4.

Property And Equipment (Compone

Property And Equipment (Components Of Property And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Abstract]
Land	$ 14,884	$ 14,359
Buildings and improvements	262,769	258,680
Furniture, fixtures and equipment	478,717	519,146
Total	756,370	792,185
Less accumulated depreciation	(457,956)	(514,540)
Total	298,414	277,645
Depreciation expenses	$ 47,439	$ 47,670	$ 50,652

Goodwill (Goodwill By Segment F

Goodwill (Goodwill By Segment For Impairment Test) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Goodwill [Roll Forward]
Goodwill, gross, beginning balance		$ 2,491,559	$ 2,434,881
Accumulated impairment losses, beginning balance		(1,650,320)	(1,650,320)
Goodwill, beginning balance		841,239	784,561
Acquisitions		7,885	80,251
Dispositions		(2,532)	(15,451)
Foreign currency translation and other		(13,080)	(8,122)
Goodwill, gross, ending balance		2,483,832	2,491,559
Accumulated impairment losses, ending balance		(1,650,320)	(1,650,320)
Goodwill, ending balance		833,512	841,239
Solutions
Goodwill [Roll Forward]
Goodwill, gross, beginning balance	[1]	1,800,592	1,757,140
Accumulated impairment losses, beginning balance	[1]	(1,260,939)	(1,260,939)
Goodwill, beginning balance	[1]	539,653	496,201
Acquisitions	[1]	2,520	51,574
Dispositions	[1]	0	0
Foreign currency translation and other	[1]	(13,080)	(8,122)
Goodwill, gross, ending balance	[1]	1,790,032	1,800,592
Accumulated impairment losses, ending balance	[1]	(1,260,939)	(1,260,939)
Goodwill, ending balance	[1]	529,093	539,653
Specialty Property
Goodwill [Roll Forward]
Goodwill, gross, beginning balance		301,586	288,360
Accumulated impairment losses, beginning balance		0	0
Goodwill, beginning balance		301,586	288,360
Acquisitions		5,365	28,677
Dispositions		(2,532)	(15,451)
Foreign currency translation and other		0	0
Goodwill, gross, ending balance		304,419	301,586
Accumulated impairment losses, ending balance		0	0
Goodwill, ending balance		304,419	301,586
Health
Goodwill [Roll Forward]
Goodwill, gross, beginning balance		204,303	204,303
Accumulated impairment losses, beginning balance		(204,303)	(204,303)
Goodwill, beginning balance		0	0
Acquisitions		0	0
Dispositions		0	0
Foreign currency translation and other		0	0
Goodwill, gross, ending balance		204,303	204,303
Accumulated impairment losses, ending balance		(204,303)	(204,303)
Goodwill, ending balance		0	0
Employee Benefits
Goodwill [Roll Forward]
Goodwill, gross, beginning balance		185,078	185,078
Accumulated impairment losses, beginning balance		(185,078)	(185,078)
Goodwill, beginning balance		0	0
Acquisitions		0	0
Dispositions		0	0
Foreign currency translation and other		0	0
Goodwill, gross, ending balance		185,078	185,078
Accumulated impairment losses, ending balance		(185,078)	(185,078)
Goodwill, ending balance		$ 0	$ 0
[1]	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.

VOBA And Other Intangible Ass93

VOBA And Other Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Valuation of Business Acquired and Other Intangible Assets [Line Items]
Amortization of Intangible Assets	$ 71,664	$ 63,924	$ 44,671
Preneed | Solutions | Maximum
Valuation of Business Acquired and Other Intangible Assets [Line Items]
VOBA interest rate	7.50%
Preneed | Solutions | Minimum
Valuation of Business Acquired and Other Intangible Assets [Line Items]
VOBA interest rate	5.40%

VOBA And Other Intangible Ass94

VOBA And Other Intangible Assets (Information About VOBA) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Movement in Present Value of Future Insurance Profits [Roll Forward]
Beginning balance	$ 45,462	$ 53,549	$ 62,109
Additions	4,134	0	0
Amortization, net of interest accrued	(8,314)	(7,978)	(8,442)
Foreign currency translation and other	(128)	(109)	(118)
Ending balance	$ 41,154	$ 45,462	$ 53,549

VOBA And Other Intangible Ass95

VOBA And Other Intangible Assets VOBA and Other Intangible Assets (Estimated Amortization of VOBA) (Details) - VOBA $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Finite-Lived Intangible Assets [Line Items]
2,016	$ 9,066
2,017	7,820
2,018	7,021
2,019	6,645
2,020	6,289
Thereafter	4,313
Total	$ 41,154

VOBA And Other Intangible Ass96

VOBA And Other Intangible Assets (Information About Other Intangible Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Finite-Lived Intangible Assets [Line Items]
Carrying Value	$ 552,492	$ 651,528
Accumulated Amortization	(275,329)	(269,568)
Total other intangible assets	277,163	381,960
Amortization of Intangible Assets	71,664	63,924	$ 44,671
Contract based intangibles
Finite-Lived Intangible Assets [Line Items]
Carrying Value	47,134	63,538
Accumulated Amortization	(30,820)	(36,221)
Total other intangible assets	16,314	27,317
Customer related intangibles
Finite-Lived Intangible Assets [Line Items]
Carrying Value	438,737	520,894
Accumulated Amortization	(212,542)	(212,326)
Total other intangible assets	226,195	308,568
Marketing related intangibles
Finite-Lived Intangible Assets [Line Items]
Carrying Value	41,386	41,861
Accumulated Amortization	(20,977)	(15,686)
Total other intangible assets	20,409	26,175
Technology based intangibles
Finite-Lived Intangible Assets [Line Items]
Carrying Value	25,235	25,235
Accumulated Amortization	(10,990)	(5,335)
Total other intangible assets	$ 14,245	$ 19,900

VOBA And Other Intangible Ass97

VOBA And Other Intangible Assets (Future Amortization Expenses) (Details) - Other Intangible Assets $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Finite-Lived Intangible Assets [Line Items]
2,016	$ 67,079
2,017	59,782
2,018	47,081
2,019	30,837
2,020	26,276
Thereafter	46,108
Total	$ 277,163

Reserves (Summary Of Reserve In

Reserves (Summary Of Reserve Information Of Major Product Lines) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Reinsurance [Line Items]
Future Policy Benefits and Expenses	$ 9,466,694	$ 9,483,672
Unearned Premiums	6,423,720	6,529,675
Case Reserves	2,735,855	2,527,956
Incurred But Not Reported Reserves	1,160,864	1,170,650
Long Duration Contracts | Preneed funeral life insurance policies and investment-type annuity contracts
Reinsurance [Line Items]
Future Policy Benefits and Expenses	4,670,977	4,618,505
Unearned Premiums	134,534	4,872
Case Reserves	13,644	14,696
Incurred But Not Reported Reserves	6,324	6,456
Long Duration Contracts | Life insurance no longer offered
Reinsurance [Line Items]
Future Policy Benefits and Expenses	407,360	418,672
Unearned Premiums	427	570
Case Reserves	2,360	2,272
Incurred But Not Reported Reserves	1,070	1,301
Long Duration Contracts | Universal life and other products no longer offered
Reinsurance [Line Items]
Future Policy Benefits and Expenses	153,801	168,808
Unearned Premiums	118	136
Case Reserves	773	704
Incurred But Not Reported Reserves	1,674	1,959
Long Duration Contracts | FFG, LTC and other disposed businesses
Reinsurance [Line Items]
Future Policy Benefits and Expenses	4,129,233	4,153,741
Unearned Premiums	47,132	46,585
Case Reserves	973,614	881,514
Incurred But Not Reported Reserves	103,652	97,524
Long Duration Contracts | Medical
Reinsurance [Line Items]
Future Policy Benefits and Expenses	68,353	87,563
Unearned Premiums	742	7,254
Case Reserves	1,465	1,959
Incurred But Not Reported Reserves	2,321	7,886
Long Duration Contracts | All other
Reinsurance [Line Items]
Future Policy Benefits and Expenses	36,970	36,383
Unearned Premiums	404	382
Case Reserves	12,855	13,863
Incurred But Not Reported Reserves	10,836	9,803
Short Duration Contracts | Medical
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	25,401	130,185
Case Reserves	235,516	137,370
Incurred But Not Reported Reserves	253,295	240,830
Short Duration Contracts | Group term life
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	2,431	2,905
Case Reserves	166,920	169,006
Incurred But Not Reported Reserves	30,857	28,786
Short Duration Contracts | Group disability
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	1,984	1,564
Case Reserves	1,092,841	1,127,068
Incurred But Not Reported Reserves	100,155	107,961
Short Duration Contracts | Dental
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	4,244	4,013
Case Reserves	1,587	2,251
Incurred But Not Reported Reserves	16,454	17,037
Short Duration Contracts | Property and warranty
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	2,223,589	2,386,719
Case Reserves	182,095	130,517
Incurred But Not Reported Reserves	507,310	546,979
Short Duration Contracts | Credit life and disability
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	181,466	241,092
Case Reserves	25,966	34,581
Incurred But Not Reported Reserves	35,718	43,298
Short Duration Contracts | Extended service contracts
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	3,669,859	3,568,352
Case Reserves	7,258	6,780
Incurred But Not Reported Reserves	33,928	42,054
Short Duration Contracts | All other
Reinsurance [Line Items]
Future Policy Benefits and Expenses	0	0
Unearned Premiums	131,389	135,046
Case Reserves	18,961	5,375
Incurred But Not Reported Reserves	$ 57,270	$ 18,776

Reserves (Schedule Of Most Sign

Reserves (Schedule Of Most Significant Claims And Benefits Payable) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance		$ 3,698,606
Paid losses related to:
Gross of reinsurance, ending balance		3,896,719		$ 3,698,606
Net retained credit life and disability claims and benefits payable		33,852		45,096		$ 54,483
Group Term Life
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance	[1]	194,383		199,771		203,757
Less: Reinsurance ceded and other	[2]	(2,750)		(3,409)		(2,463)
Gross of reinsurance, beginning balance, including reclassifications of assets held for sale	[1]			197,792
Less: Reinsurance ceded and other, including reclassifications of assets held for sale	[2]			(3,409)		(2,463)		$ (2,817)
Net of reinsurance, beginning balance		194,383		197,308		200,940
Incurred losses related to:
Incurred losses, current year		132,330		124,228		121,708
Incurred losses, prior year's interest		7,317		7,548		7,773
Incurred losses, prior year(s)		(17,513)		(16,560)		(14,300)
Total incurred losses		122,134		115,216		115,181
Paid losses related to:
Paid losses, current year		82,847		77,113		75,119
Paid losses, prior year(s)		38,643		41,028		43,694
Total paid losses		121,490		118,141		118,813
Net of reinsurance, ending balance before held for sale reclassification	[1]	195,027
Net of reinsurance, ending balance				194,383		197,308
Plus: Reinsurance ceded and other	[2]	2,750		3,409		2,463
Gross of reinsurance	[1]					197,308
Gross of reinsurance, ending balance	[1]	197,777		194,383		199,771
Group Disability
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance	[1]	1,193,415		1,271,851		1,309,087
Less: Reinsurance ceded and other	[2]	(41,658)		(41,614)		(38,990)
Gross of reinsurance, beginning balance, including reclassifications of assets held for sale	[1]			1,235,029
Less: Reinsurance ceded and other, including reclassifications of assets held for sale	[2]			(41,614)		(38,990)		(38,166)
Net of reinsurance, beginning balance		1,193,415		1,232,861		1,270,921
Incurred losses related to:
Incurred losses, current year		264,077		285,095		284,005
Incurred losses, prior year's interest		51,798		53,657		56,705
Incurred losses, prior year(s)		(18,540)		(36,003)		(29,975)
Total incurred losses		297,335		302,749		310,735
Paid losses related to:
Paid losses, current year		76,000		80,172		70,236
Paid losses, prior year(s)		263,412		262,023		278,559
Total paid losses		339,412		342,195		348,795
Net of reinsurance, ending balance before held for sale reclassification	[1]	1,151,338
Net of reinsurance, ending balance				1,193,415		1,232,861
Plus: Reinsurance ceded and other	[2]	41,658		41,614		38,990
Gross of reinsurance	[1]					1,232,861
Gross of reinsurance, ending balance	[1]	1,192,996		1,193,415		1,271,851
Short Duration Medical
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance	[1],[3]	362,997		222,182		247,758
Less: Reinsurance ceded and other	[2],[3]	(93,030)		(15,203)		(14,978)
Gross of reinsurance, beginning balance, including reclassifications of assets held for sale	[1],[3]			378,200
Less: Reinsurance ceded and other, including reclassifications of assets held for sale	[2],[3]			(15,203)		(14,978)		(16,447)
Net of reinsurance, beginning balance		362,997	[3]	207,204	[3]	231,311
Incurred losses related to:
Incurred losses, current year	[3]	2,404,632		1,782,891		1,097,313
Incurred losses, prior year's interest	[3]	0		0		0
Incurred losses, prior year(s)	[3]	(36,795)		(51,352)		(42,063)
Total incurred losses		2,367,837	[3]	1,731,539		1,055,250	[3]
Paid losses related to:
Paid losses, current year	[3]	2,016,726		1,424,448		894,533
Paid losses, prior year(s)	[3]	318,327		151,298		184,824
Total paid losses		2,335,053	[3]	1,575,746		1,079,357	[3]
Net of reinsurance, ending balance before held for sale reclassification	[1],[3]	395,781
Net of reinsurance, ending balance	[3]			362,997		207,204
Plus: Reinsurance ceded and other	[2],[3]	93,030		15,203		14,978
Gross of reinsurance	[1],[3]					207,204
Gross of reinsurance, ending balance	[1],[3]	488,811		362,997		222,182
Long Duration Medical
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance	[1],[3]	9,399		13,639		16,847
Less: Reinsurance ceded and other	[2],[3]	(161)		(446)		(618)
Gross of reinsurance, beginning balance, including reclassifications of assets held for sale	[1],[3]			9,845
Less: Reinsurance ceded and other, including reclassifications of assets held for sale	[2],[3]			(446)		(618)		(736)
Net of reinsurance, beginning balance		9,399	[3]	13,021	[3]	16,111
Incurred losses related to:
Incurred losses, current year	[3]	80,845		128,093		110,933
Incurred losses, prior year's interest	[3]	0		0		0
Incurred losses, prior year(s)	[3]	(2,483)		(4,044)		(3,971)
Total incurred losses		78,362	[3]	124,049		106,962	[3]
Paid losses related to:
Paid losses, current year	[3]	77,427		118,842		98,183
Paid losses, prior year(s)	[3]	6,709		8,829		11,869
Total paid losses		84,136	[3]	127,671		110,052	[3]
Net of reinsurance, ending balance before held for sale reclassification	[1],[3]	3,625
Net of reinsurance, ending balance	[3]			9,399		13,021
Plus: Reinsurance ceded and other	[2],[3]	161		446		618
Gross of reinsurance	[1],[3]					13,021
Gross of reinsurance, ending balance	[1],[3]	3,786		9,399		13,639
Property and Warranty
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Gross of reinsurance, beginning balance	[1]	496,655		639,224		1,167,058
Less: Reinsurance ceded and other	[2]	(200,719)		(180,841)		(183,315)
Gross of reinsurance, beginning balance, including reclassifications of assets held for sale	[1]			677,496
Less: Reinsurance ceded and other, including reclassifications of assets held for sale	[2]			(180,841)		(229,038)		$ (715,058)
Net of reinsurance, beginning balance		496,655		410,186		452,000
Incurred losses related to:
Incurred losses, current year		1,105,991		1,401,187		1,140,500
Incurred losses, prior year's interest		0		0		0
Incurred losses, prior year(s)		(43,619)		(2,848)		(23,801)
Total incurred losses		1,062,372		1,398,339		1,116,699
Paid losses related to:
Paid losses, current year		752,752		988,075		802,130
Paid losses, prior year(s)		317,589		323,795		310,660
Total paid losses		1,070,341		1,311,870		1,112,790
Net of reinsurance, ending balance before held for sale reclassification	[1]	488,686
Net of reinsurance, ending balance				496,655		410,186
Plus: Reinsurance ceded and other	[2]	200,719		180,841		183,315
Gross of reinsurance	[1]					455,909
Gross of reinsurance, ending balance	[1]	$ 689,405		$ 496,655		$ 639,224
[1]	The Company’s net retained credit life and disability claims and benefits payable were $33,852, $45,096 and $54,483 at December 31, 2015, 2014 and 2013.
[2]	Reinsurance ceded and other includes claims and benefits payable balances that have either been (a) reinsured to third parties, (b) established for claims related expenses whose subsequent payment is not recorded as a paid claim, or (c) reserves established for obligations that would persist even if contracts were cancelled (such as extension of benefits), which cannot be analyzed appropriately under a roll-forward approach.
[3]	Short duration and long duration medical methodologies used for settling claims and benefits payable are similar.

Reserves (Narrative) (Details)

Reserves (Narrative) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jan. 01, 2011	Dec. 31, 2010
Reinsurance [Line Items]
Liabilities net of reinsurance		$ 3,896,719	$ 3,698,606
Amount of discounts deducted from outstanding reserves		$ 343,954	$ 362,207
Unfavorable development				$ 6,500
Interest and discount rates range, minimum		3.30%	0.00%
Interest and discount rates range, maximum		7.30%	0.00%
Interest and discount rates, period		20 years
Inflation percentage assumption		3.00%	0.00%
Percentage of inflation assumption for 2005 to 2007		2.30%	2.30%
Long Duration Contracts
Reinsurance [Line Items]
Discount rate for case reserves and IBNR claims during or before 2010							5.30%
Discount rate for case reserves and IBNR claims during or after 2011, low end of range						4.30%
Discount rate for case reserves and IBNR claims during or after 2011, high end of range						4.80%
Minimum
Reinsurance [Line Items]
Description of interest and discount rates for traditional life insurance		7.50%	0.00%
Percentage of future assumption policy benefit		1.00%	0.00%
Deferred annuity percentage		1.00%	0.00%
Percentage of discount rate		1.50%	0.00%
Interest rates credited on annuities		3.50%	0.00%
Guaranteed credited rate on annuities		3.50%	0.00%
Maximum
Reinsurance [Line Items]
Description of interest and discount rates for traditional life insurance		5.30%	0.00%
Percentage of future assumption policy benefit		7.00%	0.00%
Deferred annuity percentage		5.50%	0.00%
Percentage of discount rate		4.30%	0.00%
Interest rates credited on annuities		4.00%	0.00%
Guaranteed credited rate on annuities		4.00%	0.00%
Traditional life insurance, excluding block of pre-1980 business
Reinsurance [Line Items]
Description of interest and discount rates for traditional life insurance		8.80%	0.00%
Independent Division
Reinsurance [Line Items]
Withdrawal charge, period		7 years
Independent Division | Minimum
Reinsurance [Line Items]
Withdrawal charge		0.00%
Independent Division | Maximum
Reinsurance [Line Items]
Withdrawal charge		7.00%
AMLIC Division
Reinsurance [Line Items]
First-year guaranteed benefit percentage increases		0.00%	0.00%
Surrender charge		35.00%
Guaranteed interest rate on nearly all of the preneed deferred annuity contracts		3.00%
AMLIC Division | Minimum
Reinsurance [Line Items]
Withdrawal charge		0.00%
Percentage of discount rate		0.00%	0.00%
Renewal guaranteed benefit increases		0.00%	0.00%
Interest rates based on deferred annuities		1.00%	0.00%
AMLIC Division | Maximum
Reinsurance [Line Items]
Withdrawal charge		8.00%
Percentage of discount rate		7.50%	0.00%
Renewal guaranteed benefit increases		3.00%	0.00%
Interest rates based on deferred annuities		6.50%	0.00%
Limited number of policies
Reinsurance [Line Items]
Credited interest rates on universal life funds		4.50%	0.00%
Guaranteed crediting rates on universal life fund		4.50%	0.00%
Majority of policies
Reinsurance [Line Items]
Guaranteed crediting rates on universal life fund		4.00%
Majority of policies | Minimum
Reinsurance [Line Items]
Credited interest rates on universal life funds		4.00%	0.00%
Majority of policies | Maximum
Reinsurance [Line Items]
Credited interest rates on universal life funds		4.10%	0.00%
Group Disability
Reinsurance [Line Items]
Liabilities net of reinsurance	[1]	$ 1,192,996	$ 1,193,415	$ 1,271,851	$ 1,309,087
Gross of reinsurance, including reclassifications of assets held for sale	[1]		$ 1,235,029
Annuities
Reinsurance [Line Items]
Surrender charge, period		7 years
Universal Life Funds
Reinsurance [Line Items]
Surrender charge, period		20 years
[1]	The Company’s net retained credit life and disability claims and benefits payable were $33,852, $45,096 and $54,483 at December 31, 2015, 2014 and 2013.

Reinsurance (Narrative) (Detail

Reinsurance (Narrative) (Details)	Jun. 26, 2013USD ($)	Dec. 31, 2015USD ($)reinsurer	Dec. 31, 2014USD ($)	Jan. 30, 2012USD ($)
Reinsurance [Line Items]
Number of reinsurers | reinsurer		2
Reinsurance recoverables		$ 7,470,403,000	$ 7,254,585,000
Allowance for doubtful accounts		10,820,000	10,820,000
Invested assets held in trusts		$ 923,512,000	1,022,078,000
First event coverage, percentage		17.00%
Ceded Losses		$ 0
Largest Reinsurance Recoverable Balances
Reinsurance [Line Items]
Reinsurance recoverables		$ 4,607,056,000
January 30, 2012 Ibis Re II Ltd. Agreement
Reinsurance [Line Items]
Reinsurance coverage				$ 130,000,000
Reinsurance coverage period (in years)		3 years
June 26, 2013 Ibis Re II Ltd. Agreement
Reinsurance [Line Items]
Reinsurance coverage	$ 185,000,000
Reinsurance coverage period (in years)	3 years
Ibis Re Ltd. Agreements
Reinsurance [Line Items]
Reinsurance coverage		$ 315,000,000
Hartford
Reinsurance [Line Items]
Reinsurance recoverables		1,053,496,000	1,077,791,000
John Hancock
Reinsurance [Line Items]
Reinsurance recoverables		$ 3,553,560,000	$ 3,471,908,000
Catastrophe Bonds Senior 2012-1 Notes
Reinsurance [Line Items]
Debt instrument, face amount				$ 130,000,000
Catastrophe Bonds Senior 2013-1 Notes
Reinsurance [Line Items]
Debt instrument, face amount	$ 185,000,000

Reinsurance (Reinsurance Recove

Reinsurance (Reinsurance Recoverable) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Ceded Credit Risk [Line Items]
Reinsurance recoverables	$ 7,470,403	$ 7,254,585
Ceded future policyholder benefits and expense
Ceded Credit Risk [Line Items]
Reinsurance recoverables	4,037,682	4,052,976
Ceded unearned premium
Ceded Credit Risk [Line Items]
Reinsurance recoverables	1,667,228	1,587,583
Ceded claims and benefits payable
Ceded Credit Risk [Line Items]
Reinsurance recoverables	1,429,128	1,283,510
Ceded paid losses
Ceded Credit Risk [Line Items]
Reinsurance recoverables	$ 336,365	$ 330,516

Reinsurance (Schedule Of Rating

Reinsurance (Schedule Of Rating For Existing Reinsurance) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	$ 7,481,223
Less: Allowance	(10,820)	$ (10,820)
Net reinsurance recoverable	7,470,403	7,254,585
AM Best A or A
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	3,612,902
AM Best A or A-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	1,750,511
AM Best B Rating or B
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	26,528
AM Best B or B-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	640
Not Rated
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	2,090,642
Ceded future policyholder benefits and expense
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	4,037,682
Less: Allowance	0
Net reinsurance recoverable	4,037,682	4,052,976
Ceded future policyholder benefits and expense | AM Best A or A
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	2,567,918
Ceded future policyholder benefits and expense | AM Best A or A-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	1,460,465
Ceded future policyholder benefits and expense | AM Best B Rating or B
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	747
Ceded future policyholder benefits and expense | AM Best B or B-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	251
Ceded future policyholder benefits and expense | Not Rated
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	8,301
Ceded unearned premium
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	1,667,228
Less: Allowance	0
Net reinsurance recoverable	1,667,228	1,587,583
Ceded unearned premium | AM Best A or A
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	50,041
Ceded unearned premium | AM Best A or A-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	79,623
Ceded unearned premium | AM Best B Rating or B
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	23,153
Ceded unearned premium | AM Best B or B-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	258
Ceded unearned premium | Not Rated
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	1,514,153
Ceded claims and benefits payable
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	1,429,128
Less: Allowance	0
Net reinsurance recoverable	1,429,128	1,283,510
Ceded claims and benefits payable | AM Best A or A
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	977,498
Ceded claims and benefits payable | AM Best A or A-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	185,131
Ceded claims and benefits payable | AM Best B Rating or B
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	2,628
Ceded claims and benefits payable | AM Best B or B-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	86
Ceded claims and benefits payable | Not Rated
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	263,785
Ceded paid losses
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	347,185
Less: Allowance	(10,820)
Net reinsurance recoverable	336,365	$ 330,516
Ceded paid losses | AM Best A or A
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	17,445
Ceded paid losses | AM Best A or A-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	25,292
Ceded paid losses | AM Best B Rating or B
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	0
Ceded paid losses | AM Best B or B-
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	45
Ceded paid losses | Not Rated
Ceded Credit Risk [Line Items]
Best Ratings of Reinsurer	$ 304,403

Reinsurance (Effect Of Reinsura

Reinsurance (Effect Of Reinsurance On Premiums Earned And Benefits Incurred) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reinsurance [Line Items]
Direct earned premiums	$ 11,600,724	$ 11,250,949	$ 9,848,656
Premiums assumed	525,988	487,656	315,097
Premiums ceded	(3,775,715)	(3,106,463)	(2,403,957)
Net earned premiums	8,350,997	8,632,142	7,759,796
Direct policyholder benefits	6,962,357	6,947,121	4,639,958
Policyholder benefits assumed	310,873	330,276	234,290
Policyholder benefits ceded	(2,530,695)	(2,872,064)	(1,198,716)
Net policyholder benefits	4,742,535	4,405,333	3,675,532
Long Duration
Reinsurance [Line Items]
Direct earned premiums	509,080	510,822	555,368
Premiums assumed	8,410	8,762	10,117
Premiums ceded	(288,975)	(276,525)	(304,064)
Net earned premiums	228,515	243,059	261,421
Direct policyholder benefits	937,962	1,702,475	933,110
Policyholder benefits assumed	19,948	23,911	22,844
Policyholder benefits ceded	(647,873)	(1,373,953)	(590,281)
Net policyholder benefits	310,037	352,433	365,673
Short Duration
Reinsurance [Line Items]
Direct earned premiums	11,091,644	10,740,127	9,293,288
Premiums assumed	517,578	478,894	304,980
Premiums ceded	(3,486,740)	(2,829,938)	(2,099,893)
Net earned premiums	8,122,482	8,389,083	7,498,375
Direct policyholder benefits	6,024,395	5,244,646	3,706,848
Policyholder benefits assumed	290,925	306,365	211,446
Policyholder benefits ceded	(1,882,822)	(1,498,111)	(608,435)
Net policyholder benefits	$ 4,432,498	$ 4,052,900	$ 3,309,859

Debt (Senior Notes) (Details)

Debt (Senior Notes) (Details) - USD ($)

Sep. 15, 2015

Aug. 15, 2015

Mar. 15, 2015

Feb. 15, 2015

Sep. 15, 2014

Aug. 15, 2014

Mar. 15, 2014

Feb. 15, 2014

Mar. 28, 2013

Feb. 29, 2004

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Debt Instrument [Line Items]

Net proceeds from issuance of long-term debt

$ 0

$ 0

$ 698,093,000

Senior notes interest expense

55,116,000

58,395,000

77,735,000

Senior Notes 2013

Debt Instrument [Line Items]

Senior notes interest payment

$ 11,375,000

$ 11,375,000

$ 11,375,000

$ 11,375,000

Senior Notes 2004

Debt Instrument [Line Items]

Senior notes interest payment

$ 16,031,000

$ 16,031,000

$ 16,031,000

$ 30,094,000

Senior Notes | Senior Notes 2013

Debt Instrument [Line Items]

Debt instrument, face amount

$ 700,000,000

Net proceeds from issuance of long-term debt

698,093,000

Senior notes unamortized discount

1,907,000

Senior notes interest expense

22,988,000

22,981,000

17,357,000

Accrued interest

$ 6,635,000

6,635,000

Senior Notes | Senior Notes 2013, First Series

Debt Instrument [Line Items]

Debt instrument, face amount

$ 350,000,000

Senior notes interest rate

2.50%

Senior notes maturity date

Mar. 15, 2018

Senior notes discount rate

0.18%

Senior Notes | Senior Notes 2013, Second Series

Debt Instrument [Line Items]

Debt instrument, face amount

$ 350,000,000

Senior notes interest rate

4.00%

Senior notes maturity date

Mar. 15, 2023

Senior notes discount rate

0.37%

Senior Notes | Senior Notes 2004

Debt Instrument [Line Items]

Debt instrument, face amount

$ 975,000,000

Net proceeds from issuance of long-term debt

971,537,000

Senior notes unamortized discount

3,463,000

Senior notes interest expense

$ 32,127,000

35,414,000

$ 59,414,000

Accrued interest

$ 12,023,000

$ 12,023,000

Senior Notes | Senior Notes 2004, First Series

Debt Instrument [Line Items]

Debt instrument, face amount

$ 500,000,000

Senior notes interest rate

5.63%

Senior notes maturity date

Feb. 18, 2014

Senior notes discount rate

0.11%

Senior Notes | Senior Notes 2004, Second Series

Debt Instrument [Line Items]

Debt instrument, face amount

$ 475,000,000

Senior notes interest rate

6.75%

Senior notes maturity date

Feb. 15, 2034

Senior notes discount rate

0.61%

Debt (Credit Facility) (Details

Debt (Credit Facility) (Details) - USD ($)	Sep. 16, 2014	Sep. 21, 2011	Dec. 31, 2015	Dec. 31, 2014
JP Morgan Chase Bank, N.A. and Bank of America, N.A
Line of Credit Facility [Line Items]
Amount outstanding			$ 0
Borrowings			0
Letter of Credit
Line of Credit Facility [Line Items]
Amount outstanding			4,040,000
Letter of Credit | JP Morgan Chase Bank, N.A. and Bank of America, N.A | Credit Facility 2014
Line of Credit Facility [Line Items]
Sublimit for letters of credit issued			50,000,000
Revolving Credit Facility
Line of Credit Facility [Line Items]
Senior revolving credit facility borrowing capacity			400,000,000
Senior revolving credit facility available capacity			$ 395,960,000
Revolving Credit Facility | Credit Facility 2011
Line of Credit Facility [Line Items]
Senior revolving credit facility borrowing capacity		$ 350,000,000
Term of debt instrument		4 years
Revolving Credit Facility | Credit Facility 2014
Line of Credit Facility [Line Items]
Line of Credit Facility, Expiration Date			Sep. 30, 2019
Revolving Credit Facility | JP Morgan Chase Bank, N.A. and Bank of America, N.A | Credit Facility 2014
Line of Credit Facility [Line Items]
Senior revolving credit facility borrowing capacity	$ 400,000,000
Term of debt instrument	5 years
Line of Credit Facility, Initiation Date	Sep. 16, 2014
Maximum borrowing capacity			$ 525,000,000
Commercial Paper | Credit Facility 2014
Line of Credit Facility [Line Items]
Amount outstanding			$ 0	$ 0

Common Stock (Details)

Common Stock (Details) - shares		1 Months Ended												12 Months Ended
		Dec. 31, 2015	Nov. 30, 2015	Oct. 31, 2015	Sep. 30, 2015	Aug. 31, 2015	Jul. 31, 2015	Jun. 30, 2015	May. 31, 2015	Apr. 30, 2015	Mar. 31, 2015	Feb. 28, 2015	Jan. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Common Stock, Outstanding [Roll Forward]
Shares outstanding, beginning													69,299,559	69,299,559	71,828,208	78,664,029
Issuance related to ESPP														130,622	141,576	217,573
Shares repurchased		0	0	(924,960)	0	(67,436)	(303,807)	(482,586)	(472,000)	(640,000)	(645,000)	(120,000)	(529,100)	(4,184,889)	(3,298,490)	(7,707,014)
Shares outstanding, ending		65,850,386												65,850,386	69,299,559	71,828,208
Shares authorized		800,000,000												800,000,000	800,000,000
Restricted Stock and Restricted Stock Units, Net [Member]
Common Stock, Outstanding [Roll Forward]
Vested restricted stock and restricted stock units, net	[1]													335,518	321,841	340,525
Performance Share Units
Common Stock, Outstanding [Roll Forward]
Issuance of common shares	[1]													269,576	277,164	252,025
SARS
Common Stock, Outstanding [Roll Forward]
Issuance of common shares														0	29,260	61,070
Common Class B
Common Stock, Outstanding [Roll Forward]
Shares authorized		150,001												150,001
Common Class C
Common Stock, Outstanding [Roll Forward]
Shares authorized		400,001												400,001
[1]	Vested restricted stock, restricted stock units and performance share units are shown net of shares retired to cover participant tax liability.

Stock Based Compensation (Narra

Stock Based Compensation (Narrative) (Details) - USD ($)	1 Months Ended				12 Months Ended
	Jan. 31, 2016	Jul. 31, 2015	Jan. 31, 2015	Jul. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	May. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Forfeiture rate					5.00%	5.00%	5.00%
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average grant date fair value (in dollars per share)					$ 63.09
Number of shares granted					366,200
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average grant date fair value (in dollars per share)					$ 61.82
Number of shares granted					355,688
Long-Term Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Company's common stock authorized to employees (in shares)								5,300,000
Long-Term Equity Incentive Plan | Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
RSU vesting terms for employees and directors					33.00%
Vesting period (in years)					3 years
Compensation expense					$ 22,001,000	$ 23,856,000	$ 26,734,000
Compensation expenses income tax benefit					7,696,000	$ 8,337,000	$ 9,343,000
Weighted average grant date fair value (in dollars per share)						$ 65.14	$ 45.27
Unrecognized compensation cost					$ 12,931,000
Unrecognized compensation cost expected to be recognized over a weighted-average period (in years)					1 year 21 days
Fair value of shares vested and issued during the period					$ 35,771,000	$ 35,206,000	$ 24,812,000
Long-Term Equity Incentive Plan | Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of payout level minimum					0.00%
Percentage of payout level maximum					150.00%
Percentage of payout level target					100.00%
Revenues benchmark for performance payout					$ 1,000,000
Compensation expense					15,523,000	24,380,000	22,257,000
Compensation expenses income tax benefit					5,428,000	$ 8,516,000	$ 7,774,000
Weighted average grant date fair value (in dollars per share)						$ 64.93	$ 44.22
Unrecognized compensation cost					$ 16,920,000
Unrecognized compensation cost expected to be recognized over a weighted-average period (in years)					280 days
Fair value of shares vested and issued during the period					$ 27,461,000	$ 31,609,000
Long-Term Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Company's common stock authorized to employees (in shares)					10,000,000
Number of shares granted					0
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Company's common stock authorized to employees (in shares)					5,000,000
Compensation expense					$ 1,277,000	1,201,000	$ 1,098,000
Compensation expenses income tax benefit					$ 186,000	$ 147,000	$ 208,000
Percentage of stock price purchased					90.00%
Participants' maximum contribution per offering period					$ 7,500
Participants' maximum contribution per year					$ 15,000
Number of hours worked					20 hours
Permanent employee work eligibility (months worked per year)					5 months
Number of continuous months worked					6 months
Non temporary employee requirement (months employed)					12 months
Maximum number of days for leave of absence					90 days
Maximum number of shares can be purchased each offering period per employee					5,000
Common shares issued		65,320	65,302	65,867
Discounted price of shares issued (in dollars per share)		$ 60.30		$ 58.79	$ 59.65
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares to be issued as a percentage of initial target					0.00%
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares to be issued as a percentage of initial target					150.00%
Subsequent Event | Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common shares issued	59,102
Discounted price of shares issued (in dollars per share)	$ 61.70

Stock Based Compensation (Summa

Stock Based Compensation (Summary Of Company's Outstanding Restricted Stock Units) (Details) - Restricted Stock Units	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Shares outstanding, Number of Shares, Beginning Balance | shares	978,028
Grants, Number of Shares | shares	366,200
Vests, Number of Shares | shares	(557,402)
Forfeitures, Number of Shares | shares	(38,007)
Shares outstanding, Number of Shares, Ending Balance | shares	748,819
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Weighted-average grant-date fair value, shares outstanding, beginning balance (in dollars per share) | $ / shares	$ 51.39
Grants, weight-average grant-date fair value (in dollars per share) | $ / shares	63.09
Vests, weighted-average grant-date fair value (in dollars per share) | $ / shares	47.92
Forfeitures, weighted-average grant-date fair value (in dollars per share) | $ / shares	59.63
Weighted-average grant-date fair value, shares outstanding, ending balance (in dollars per share) | $ / shares	$ 59.34

Stock Based Compensation (Sched

Stock Based Compensation (Schedule Of Company's Outstanding Performance Share Units) (Details) - Performance Share Units	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Shares outstanding, Number of Shares, Beginning Balance	1,127,088
Grants, Number of Shares	355,688
Vests, Number of Shares	(458,755)
Performance adjustment, Number of Shares	70,140	[1]
Forfeitures, Number of Shares	(31,242)
Shares outstanding, Number of Shares, Ending Balance	1,062,919
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Weighted-average grant-date fair value, shares outstanding, beginning balance (in dollars per share) | $ / shares	$ 49.63
Grants, weight-average grant-date fair value (in dollars per share) | $ / shares	61.82
Vests, weighted-average grant-date fair value (in dollars per share) | $ / shares	41.68	[1]
Forfeitures, weighted-average grant-date fair value (in dollars per share) | $ / shares	58.90
Weighted-average grant-date fair value, shares outstanding, ending balance (in dollars per share) | $ / shares	$ 56.37
[1]	Represents the change in shares issued based upon the attainment of performance goals established by the Company.

Stock Based Compensation (Sc111

Stock Based Compensation (Schedule Of Estimation Of Fair Value Of Awards) (Details) - Performance Share Units	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected volatility	19.06%	24.66%	26.76%
Expected term (years)	2 years 9 months 21 days	2 years 9 months 18 days	2 years 9 months 18 days
Risk free interest rates	0.99%	0.66%	0.39%

Stock Based Compensation (Sc112

Stock Based Compensation (Schedule of Company's Share-Based Payment Award, ESPP, Valuation Assumptions) (Details) - Employee Stock Purchase Plan	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Expected volatility, minimum	16.79%	19.02%	18.30%
Expected volatility, maximum	17.67%	20.65%	25.40%
Risk free interest rates, minimum	0.06%	0.09%	0.08%
Risk free interest rates, maximum	0.11%	0.09%	0.15%
Expected term (years)	6 months	6 months	6 months
Minimum
Dividend yield	1.58%	1.52%	2.34%
Maximum
Dividend yield	1.62%	1.92%	2.38%

Stock Repurchase (Narrative) (D

Stock Repurchase (Narrative) (Details) - USD ($)	1 Months Ended												12 Months Ended
	Dec. 31, 2015	Nov. 30, 2015	Oct. 31, 2015	Sep. 30, 2015	Aug. 31, 2015	Jul. 31, 2015	Jun. 30, 2015	May. 31, 2015	Apr. 30, 2015	Mar. 31, 2015	Feb. 28, 2015	Jan. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Sep. 09, 2015	Nov. 15, 2013
Class of Stock Disclosures [Abstract]
Outstanding common stock repurchase authorized, value																$ 750,000,000	$ 600,000,000
Number of shares repurchased	0	0	924,960	0	67,436	303,807	482,586	472,000	640,000	645,000	120,000	529,100	4,184,889	3,298,490	7,707,014
Shares repurchased, value													$ 284,567,000
Value remaining under total repurchase authorization	$ 952,103,000												$ 952,103,000

Stock Repurchase (Shares Repurc

Stock Repurchase (Shares Repurchased) (Details) - $ / shares	1 Months Ended												12 Months Ended
	Dec. 31, 2015	Nov. 30, 2015	Oct. 31, 2015	Sep. 30, 2015	Aug. 31, 2015	Jul. 31, 2015	Jun. 30, 2015	May. 31, 2015	Apr. 30, 2015	Mar. 31, 2015	Feb. 28, 2015	Jan. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Class of Stock Disclosures [Abstract]
Number of Shares Purchased	0	0	924,960	0	67,436	303,807	482,586	472,000	640,000	645,000	120,000	529,100	4,184,889	3,298,490	7,707,014
Average Price Paid Per Share	$ 0	$ 0	$ 80.26	$ 0	$ 73.67	$ 70.98	$ 67.19	$ 64.89	$ 61.20	$ 61.50	$ 61.07	$ 65.51	$ 68.02
Total Number of Shares Purchased as Part of Publicly Announced Programs	0	0	924,960	0	67,436	303,807	482,586	472,000	640,000	645,000	120,000	529,100	4,184,889

Accumulated Other Comprehens115

Accumulated Other Comprehensive Income (Components of Accumulated Other Comprehensive Income, Net of Tax) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Accumulated other comprehensive income, beginning balance	$ 555,767	$ 426,830	$ 830,403
Amounts reclassified from accumulated other comprehensive income (loss)	(473,833)	88,088	(448,801)
Amounts reclassified from accumulated other comprehensive income (loss)	36,615	40,849	45,228
Net current-period other comprehensive (loss) income	(437,218)	128,937	(403,573)
Accumulated other comprehensive income, ending balance	118,549	555,767	426,830
Accumulated Translation Adjustment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Accumulated other comprehensive income, beginning balance	(127,711)	(38,767)	6,882
Amounts reclassified from accumulated other comprehensive income (loss)	(143,023)	(88,944)	(45,649)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0
Net current-period other comprehensive (loss) income	(143,023)	(88,944)	(45,649)
Accumulated other comprehensive income, ending balance	(270,734)	(127,711)	(38,767)
Accumulated Net Unrealized Investment Gain (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Accumulated other comprehensive income, beginning balance	793,082	526,071	981,879
Amounts reclassified from accumulated other comprehensive income (loss)	(324,934)	235,000	(478,853)
Amounts reclassified from accumulated other comprehensive income (loss)	27,295	32,011	23,045
Net current-period other comprehensive (loss) income	(297,639)	267,011	(455,808)
Accumulated other comprehensive income, ending balance	495,443	793,082	526,071
Accumulated Other-than-Temporary Impairment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Accumulated other comprehensive income, beginning balance	26,594	26,427	23,861
Amounts reclassified from accumulated other comprehensive income (loss)	(2,746)	(1,321)	(2,237)
Amounts reclassified from accumulated other comprehensive income (loss)	(1,414)	1,488	4,803
Net current-period other comprehensive (loss) income	(4,160)	167	2,566
Accumulated other comprehensive income, ending balance	22,434	26,594	26,427
Accumulated Defined Benefit Plans Adjustment
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Accumulated other comprehensive income, beginning balance	(136,198)	(86,901)	(182,219)
Amounts reclassified from accumulated other comprehensive income (loss)	(3,130)	(56,647)	77,938
Amounts reclassified from accumulated other comprehensive income (loss)	10,734	7,350	17,380
Net current-period other comprehensive (loss) income	7,604	(49,297)	95,318
Accumulated other comprehensive income, ending balance	$ (128,594)	$ (136,198)	$ (86,901)

Accumulated Other Comprehens116

Accumulated Other Comprehensive Income (Reclassification Out Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on investments, excluding other-than-temporary impairment losses										$ 36,850	$ 60,813	$ 38,912
Portion of net loss recognized in other comprehensive income, before taxes										(2,188)	(39)	(129)
Provision for income taxes										(59,626)	(273,230)	(300,792)
Net income		$ 65,744	$ (7,022)	$ 32,789	$ 50,044	$ 49,755	$ 140,297	$ 143,610	$ 137,245	141,555	470,907	488,907
Total pre-tax income										201,181	744,137	789,699
Reclassification out of Accumulated other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net income										36,615	40,849	45,228
Accumulated Net Unrealized Investment Gain (Loss) | Reclassification out of Accumulated other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on investments, excluding other-than-temporary impairment losses										41,992	49,248	35,454
Provision for income taxes										(14,697)	(17,237)	(12,409)
Net income										27,295	32,011	23,045
Accumulated Other-than-Temporary Impairment | Reclassification out of Accumulated other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Portion of net loss recognized in other comprehensive income, before taxes										(2,176)	2,289	7,389
Provision for income taxes										762	(801)	(2,586)
Net income										(1,414)	1,488	4,803
Accumulated Defined Benefit Plans Adjustment | Reclassification out of Accumulated other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Provision for income taxes										(5,780)	(3,958)	(9,359)
Net income										10,734	7,350	17,380
Amortization of prior service cost	[1]									(146)	(97)	(77)
Amortization of net loss	[1]									16,660	11,405	26,816
Total pre-tax income										$ 16,514	$ 11,308	$ 26,739
[1]	These accumulated other comprehensive income components are included in the computation of net periodic pension cost. See Note 21 - Retirement and Other Employee Benefits for additional information

Statutory Information (Narrativ

Statutory Information (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Statutory Accounting Practices [Line Items]
Statutory surplus, percentage	10.00%
Maximum dividend paid	$ 564,000
Risk based capital ratio requirement, authorized control level (less than)	100.00%
Life and Health companies
Statutory Accounting Practices [Line Items]
Total adjusted capital	$ 1,218,018
Authorized control level	214,611
P&C companies
Statutory Accounting Practices [Line Items]
Total adjusted capital	1,137,978
Authorized control level	$ 233,544
Minimum
Statutory Accounting Practices [Line Items]
Risk based capital ratio requirement, company action level	100.00%
Maximum
Statutory Accounting Practices [Line Items]
Risk based capital ratio requirement, company action level	200.00%

Statutory Information (Summary

Statutory Information (Summary Of Statutory Net Income And Capital And Surplus) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Statutory Accounting Practices [Line Items]
Total statutory net income				$ 170,863	[1]	$ 508,200	[1]	$ 605,919
Total statutory capital and surplus	$ 2,291,115			2,291,115		2,460,479
After-tax exit and disposal costs	17,156	$ 26,735	$ 41,738	106,389
P&C companies
Statutory Accounting Practices [Line Items]
Total statutory net income				437,422		440,930		457,068
Total statutory capital and surplus	1,137,978			1,137,978		1,396,305
Life and Health companies
Statutory Accounting Practices [Line Items]
Total statutory net income				(266,559)		67,270		$ 148,851
Total statutory capital and surplus	$ 1,153,137			$ 1,153,137		$ 1,064,174
[1]	rimarily due to higher loss experience and adverse claims development on 2015 individual major medical policies, a reduction in the 2014 estimated recoveries from the Affordable Care Act risk mitigation programs and $106,389 (after-tax) of exit and disposal costs, including premium deficiency reserves, severance and retention costs, long-lived asset impairments and similar exit and disposal costs related to the decision to exit the health business mentioned above.

Retirement And Other Employe119

Retirement And Other Employee Benefits (Narrative) (Details)		12 Months Ended
		Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Jan. 01, 2015
Defined Benefit Plan Disclosure [Line Items]
Percentage of Assurant Pension Plan deficit added to amount of service cost		15.00%
Pension Contributions		$ 10,750,000
Funded status percentage					136.00%
Length of averaging method		5 years
Number of bonds in yield curve that is utilized in the cash flow analysis for the pension plan | security		281
Percentage of actual return on plan assets		(0.60%)	13.00%
Amounts expensed by contribution plan		$ 44,455,000	$ 44,796,000	$ 39,263,000
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Net loss amortized from AOCI into net periodic benefit cost over the next fiscal year		8,699,000
Prior service cost amortized from AOCI into net periodic benefit cost over the next fiscal year		435,000
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Future Pension Contributions		0
Prior service cost amortized from AOCI into net periodic benefit cost over the next fiscal year		$ 933,000
Alternative investment fund:
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan assets invested		20.00%
MIMSF
Defined Benefit Plan Disclosure [Line Items]
Actual plan asset allocations		7.00%
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan assets invested		30.00%
Weighted average plan asset allocation		33.00%
Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan assets invested	[1],[2]	15.00%
Weighted average plan asset allocation		52.00%
Fixed maturity securities
Defined Benefit Plan Disclosure [Line Items]
Percentage of plan assets invested		50.00%
Weighted average plan asset allocation		49.00%
Fixed Maturity Communications
Defined Benefit Plan Disclosure [Line Items]
Industry concentration risk percentage		12.00%
Maximum exposure to creditor		6.00%
Fixed Maturity Financial
Defined Benefit Plan Disclosure [Line Items]
Industry concentration risk percentage		15.00%
Maximum exposure to creditor		4.00%
Fixed Maturity Consumer Non Cyclical Industry
Defined Benefit Plan Disclosure [Line Items]
Industry concentration risk percentage		9.00%
Maximum exposure to creditor		7.00%
Minimum
Defined Benefit Plan Disclosure [Line Items]
Number of years to maturity for bonds in yield curve that is utilized in the cash flow analysis for the pension plan		0 years
Maximum
Defined Benefit Plan Disclosure [Line Items]
Future Pension Contributions		$ 0
Number of years to maturity for bonds in yield curve that is utilized in the cash flow analysis for the pension plan		30 years
Maximum | Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Future Pension Contributions		$ 0
[1]	It is understood that these guidelines are targets and that deviations may occur periodically as a result of cash flows, market impact or short-term decisions implemented by either the Investment Committee or their investment managers.
[2]	The Plans’ long-term asset allocation targets are 30% equity, 50% fixed income and 20% investment funds. The Company invests certain plan assets in investment funds, examples of which include real estate investment funds and private equity funds. Amounts allocated for these investments are included in the alternative investment funds caption of the asset allocation at December 31, 2015, provided in the section above.

Retirement And Other Employe120

Retirement And Other Employee Benefits (Summary Of Pension Benefits And Retirement Health Benefits Plans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of year	$ (1,064,042)	$ (905,943)
Projected benefit obligation at end of year	(1,018,594)	(1,064,042)	$ (905,943)
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	879,211	786,750
Fair value of plan assets at end of year	832,686	879,211	786,750
Projected benefit obligation at beginning of year	(185,908)	(184,831)	(119,193)
Pension Benefits
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of year	(1,064,042)	(905,943)	(956,172)
Service cost	(41,989)	(36,609)	(38,580)
Interest cost	(41,766)	(43,613)	(38,243)
Actuarial (loss) gain, including curtailments and settlements	52,201	(127,940)	89,029
Benefits paid	77,002	50,063	38,023
Projected benefit obligation at end of year	(1,018,594)	(1,064,042)	(905,943)
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	879,211	786,750	704,976
Actual return on plan assets	(5,458)	102,628	64,641
Employer contributions	37,664	41,384	56,217
Benefits paid (including administrative expenses)	(78,731)	(51,551)	(39,084)
Fair value of plan assets at end of year	832,686	879,211	786,750
Projected benefit obligation at beginning of year	(185,908)	(184,831)	(119,193)
Retirement Health Benefits
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of year	(96,306)	(79,046)	(86,237)
Service cost	(2,429)	(2,188)	(2,863)
Interest cost	(3,834)	(3,868)	(3,473)
Actuarial (loss) gain, including curtailments and settlements	5,938	(13,910)	11,213
Benefits paid	3,121	2,706	2,314
Projected benefit obligation at end of year	(93,510)	(96,306)	(79,046)
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	50,068	46,971	45,651
Actual return on plan assets	(291)	5,403	3,234
Employer contributions	200	400	400
Benefits paid (including administrative expenses)	(3,121)	(2,706)	(2,314)
Fair value of plan assets at end of year	46,856	50,068	46,971
Projected benefit obligation at beginning of year	$ (46,654)	$ (46,238)	$ (32,075)

Retirement And Other Employe121

Retirement And Other Employee Benefits (Summary Of Projected Benefit Obligations And The Accumulated Benefit Obligations) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 832,686	$ 879,211	$ 786,750
Projected benefit obligation	(1,018,594)	(1,064,042)	(905,943)
Funded status at end of year	(185,908)	(184,831)	(119,193)
Accumulated benefit obligation	878,366	894,987	760,717
Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	832,686	879,211	786,750
Projected benefit obligation	(884,659)	(908,167)	(768,672)
Funded status at end of year	(51,973)	(28,956)	18,078
Accumulated benefit obligation	764,654	761,802	645,431
Non-Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0	0
Projected benefit obligation	(133,935)	(155,875)	(137,271)
Funded status at end of year	(133,935)	(155,875)	(137,271)
Accumulated benefit obligation	$ 113,712	$ 133,185	$ 115,286

Retirement And Other Employe122

Retirement And Other Employee Benefits (Amount Recognized In Consolidated Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Assets	$ 0	$ 0	$ 18,078
Liabilities	(185,908)	(184,831)	(137,271)
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Assets	0	0	0
Liabilities	$ (46,654)	$ (46,238)	$ (32,075)

Retirement And Other Employe123

Retirement And Other Employee Benefits (Amounts Recognized In Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Net (loss) gain	$ (201,578)	$ (210,859)	$ (147,288)
Prior service (cost) credit	(2,339)	(3,272)	(4,119)
Total recognized in accumulated other comprehensive (loss) income	(203,917)	(214,131)	(151,407)
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Net (loss) gain	1,987	(394)	11,710
Prior service (cost) credit	4,236	5,169	6,102
Total recognized in accumulated other comprehensive (loss) income	$ 6,223	$ 4,775	$ 17,812

Retirement And Other Employe124

Retirement And Other Employee Benefits (Components Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 41,989	$ 36,609	$ 38,580
Interest cost	41,766	43,613	38,243
Expected return on plan assets	(53,868)	(49,552)	(44,222)
Amortization of prior service cost	787	836	856
Amortization of net loss (gain)	16,660	11,921	26,816
Curtailment/settlement charge	1,622	871	0
Net periodic benefit cost	48,956	44,298	60,273
Net gain (loss)	9,099	75,909	(108,387)
Amortization of prior service cost, and effects of curtailments/settlements	(933)	(847)	(856)
Amortization of net (loss) gain	(18,381)	(12,338)	(26,816)
Total recognized in accumulated other comprehensive income	(10,215)	62,724	(136,059)
Total recognized in net periodic benefit cost and other comprehensive income loss	38,741	107,022	(75,786)
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Service cost	2,429	2,188	2,863
Interest cost	3,834	3,868	3,473
Expected return on plan assets	(3,267)	(3,081)	(2,998)
Amortization of prior service cost	(933)	(933)	(933)
Amortization of net loss (gain)	0	(516)	0
Curtailment/settlement charge	0	0	0
Net periodic benefit cost	2,063	1,526	2,405
Net gain (loss)	(2,382)	11,588	(11,449)
Amortization of prior service cost, and effects of curtailments/settlements	933	933	933
Amortization of net (loss) gain	0	516	0
Total recognized in accumulated other comprehensive income	(1,449)	13,037	(10,516)
Total recognized in net periodic benefit cost and other comprehensive income loss	$ 614	$ 14,563	$ (8,111)

Retirement And Other Employe125

Retirement And Other Employee Benefits (Weighted Average Assumptions Used To Determine Projected Benefit Obligation) (Details)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.55%	4.09%	4.98%
Nonqualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.25%	3.77%	4.64%
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.53%	4.07%	4.99%

Retirement And Other Employe126

Retirement And Other Employee Benefits (Weighted Average Assumptions Used To Determine Net Periodic Benefit Cost) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.09%	4.98%	4.12%
Expected long-term return on plan assets	6.75%	6.75%	6.75%
Nonqualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	3.77%	4.64%	3.71%
Expected long-term return on plan assets	0.00%	0.00%	0.00%
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.07%	4.99%	4.12%
Expected long-term return on plan assets	6.75%	6.75%	6.75%
Minimum
Defined Benefit Plan Disclosure [Line Items]
Rate of compensation increased	3.25%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Rate of compensation increased	9.30%

Retirement And Other Employe127

Retirement And Other Employee Benefits (Summary Of Health Care Cost Trend Rates) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Health care cost trend rate assumed for next year, post-65 reimbursement plan, prescriptions	10.20%	8.00%	8.50%
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Health care cost trend rate assumed for next year, pre-65 non-reimbursement plan	9.30%	8.10%	8.70%
Health care cost trend rate assumed for next year, post-65 non-reimbursement plan	5.70%	8.00%	8.50%
Health care cost trend rate assumed for next year, pre-65 reimbursement plan	8.10%	8.10%	8.70%
Health care cost trend rate assumed for next year, post-65 reimbursement plan	8.10%	8.10%	8.70%
Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)	4.50%	4.50%	4.50%
Year that the rate reaches the ultimate trend rate, pre-65, non-reimbursement plan	2,030	2,028	2,028
Year that the rate reaches the ultimate trend rate, post-65, non-reimbursement plan	2,030	2,028	2,028
Year that the rate reaches the ultimate trend rate, pre-65, reimbursement plan	2,030	2,028	2,028
Year that the rate reaches the ultimate trend rate, post-65, reimbursement plan	2,030	2,028	2,028

Retirement And Other Employe128

Retirement And Other Employee Benefits (Effect Of One Percent Change In Assumed Health Care Cost) (Details) - Retirement Health Benefits - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Effect on total of service and interest cost components	$ 38	$ 39	$ 43
Effect on postretirement benefit obligation	622	646	601
Effect on total of service and interest cost components	(59)	(60)	(66)
Effect on postretirement benefit obligation	$ (908)	$ (933)	$ (884)

Retirement And Other Employe129

Retirement And Other Employee Benefits (Allocation Of Plan Assets, Based On The Fair Value Of Assets Held And Target Allocation) (Details)	12 Months Ended
	Dec. 31, 2015
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Target	30.00%
Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	5.00%	[1]
Percentage Allocation of Plan Assets, Target	7.50%	[1],[2]
Percentage Allocation of Plan Assets, High	10.00%	[1]
Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	10.00%	[1]
Percentage Allocation of Plan Assets, Target	15.00%	[1],[2]
Percentage Allocation of Plan Assets, High	20.00%	[1]
Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	5.00%	[1]
Percentage Allocation of Plan Assets, Target	7.50%	[1],[2]
Percentage Allocation of Plan Assets, High	10.00%	[1]
Fixed maturity securities
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Target	50.00%
U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	6.50%
Percentage Allocation of Plan Assets, Target	9.00%	[2]
Percentage Allocation of Plan Assets, High	11.50%
Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	31.00%
Percentage Allocation of Plan Assets, Target	33.50%	[2]
Percentage Allocation of Plan Assets, High	36.00%
Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	5.00%
Percentage Allocation of Plan Assets, Target	7.50%	[2]
Percentage Allocation of Plan Assets, High	10.00%
Alternative investment fund:
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Target	20.00%
Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	5.50%
Percentage Allocation of Plan Assets, Target	8.00%	[2]
Percentage Allocation of Plan Assets, High	10.50%
Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	3.50%
Percentage Allocation of Plan Assets, Target	6.00%	[2]
Percentage Allocation of Plan Assets, High	8.50%
Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Percentage Allocation of Plan Assets, Low	0.00%
Percentage Allocation of Plan Assets, Target	6.00%	[2]
Percentage Allocation of Plan Assets, High	8.50%
[1]	The Plans’ long-term asset allocation targets are 30% equity, 50% fixed income and 20% investment funds. The Company invests certain plan assets in investment funds, examples of which include real estate investment funds and private equity funds. Amounts allocated for these investments are included in the alternative investment funds caption of the asset allocation at December 31, 2015, provided in the section above.
[2]	It is understood that these guidelines are targets and that deviations may occur periodically as a result of cash flows, market impact or short-term decisions implemented by either the Investment Committee or their investment managers.

Retirement And Other Employe130

Retirement And Other Employee Benefits (Summary Of Fair Value Hierarchy For Plan Assets) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets	[1]	$ 838,697	$ 888,614
Qualified Pension Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		30,628	41,165
Qualified Pension Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		66,948	63,761
Qualified Pension Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		4,420	4,209
Qualified Pension Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		141,580	191,240
Qualified Pension Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		57,948	59,249
Qualified Pension Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		126,531	121,694
Qualified Pension Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		221,766	226,078
Qualified Pension Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		57,238	55,759
Qualified Pension Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		61,761	63,132
Qualified Pension Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		49,643	43,471
Qualified Pension Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		6,210	4,614
Qualified Pension Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		14,024	14,242
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets	[1]	47,195	50,603
Retirement Health Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		1,723	2,344
Retirement Health Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,767	3,631
Retirement Health Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		249	240
Retirement Health Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		7,967	10,890
Retirement Health Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,261	3,374
Retirement Health Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		7,120	6,930
Retirement Health Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		12,479	12,874
Retirement Health Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,221	3,175
Retirement Health Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,475	3,595
Retirement Health Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		2,794	2,476
Retirement Health Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		350	263
Retirement Health Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		789	811
Level 1 | Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		212,948	259,210
Level 1 | Qualified Pension Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		66,948	63,761
Level 1 | Qualified Pension Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		4,420	4,209
Level 1 | Qualified Pension Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		141,580	191,240
Level 1 | Qualified Pension Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Qualified Pension Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		11,983	14,761
Level 1 | Retirement Health Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,767	3,631
Level 1 | Retirement Health Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		249	240
Level 1 | Retirement Health Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		7,967	10,890
Level 1 | Retirement Health Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 1 | Retirement Health Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		557,778	561,658
Level 2 | Qualified Pension Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		30,628	41,165
Level 2 | Qualified Pension Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		57,948	59,249
Level 2 | Qualified Pension Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		126,531	121,694
Level 2 | Qualified Pension Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		221,766	226,078
Level 2 | Qualified Pension Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		57,238	55,759
Level 2 | Qualified Pension Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		49,643	43,471
Level 2 | Qualified Pension Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Qualified Pension Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		14,024	14,242
Level 2 | Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		31,387	31,984
Level 2 | Retirement Health Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		1,723	2,344
Level 2 | Retirement Health Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Retirement Health Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Retirement Health Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Retirement Health Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,261	3,374
Level 2 | Retirement Health Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		7,120	6,930
Level 2 | Retirement Health Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		12,479	12,874
Level 2 | Retirement Health Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,221	3,175
Level 2 | Retirement Health Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Retirement Health Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		2,794	2,476
Level 2 | Retirement Health Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 2 | Retirement Health Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		789	811
Level 3 | Qualified Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		67,971	67,746
Level 3 | Qualified Pension Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		61,761	63,132
Level 3 | Qualified Pension Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Qualified Pension Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		6,210	4,614
Level 3 | Qualified Pension Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,825	3,858
Level 3 | Retirement Health Benefits | Short-term investment funds
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Common stock- U.S. listed small cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Preferred stock
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Mutual funds- U.S. listed large cap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Common/collective trust- foreign listed
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | U.S. & foreign government and government agencies and authorities
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Corporate- U.S. & foreign investment grade
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Corporate- U.S. & foreign high yield
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Multi-strategy hedge fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		3,475	3,595
Level 3 | Retirement Health Benefits | Commingled real estate fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		0	0
Level 3 | Retirement Health Benefits | Private equity fund
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		350	263
Level 3 | Retirement Health Benefits | Interest rate swap
Defined Benefit Plan Disclosure [Line Items]
Total financial assets		$ 0	$ 0
[1]	The difference between the fair value of plan assets above and the amount used in determining the funded status is due to interest receivable which is not required to be included in the fair value hierarchy.

Retirement And Other Employe131

Retirement And Other Employee Benefits (Summary Of Change In Fair Value Financial Asset) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	$ 879,211	$ 786,750
Fair value of plan assets at end of year	832,686	879,211	$ 786,750
Pension Benefits
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	879,211	786,750	704,976
Actual return on plan assets and plan expenses still held at the reporting date	(5,458)	102,628	64,641
Fair value of plan assets at end of year	832,686	879,211	786,750
Retirement Health Benefits
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	50,068	46,971	45,651
Actual return on plan assets and plan expenses still held at the reporting date	(291)	5,403	3,234
Fair value of plan assets at end of year	46,856	50,068	$ 46,971
Level 3 | Pension Benefits
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	67,746
Purchases	1,403
Refund of capital	(86)
Actual return on plan assets and plan expenses still held at the reporting date	(1,092)
Fair value of plan assets at end of year	67,971	67,746
Level 3 | Retirement Health Benefits
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	3,858
Purchases	79
Refund of capital	(5)
Actual return on plan assets and plan expenses still held at the reporting date	(107)
Fair value of plan assets at end of year	$ 3,825	$ 3,858

Retirement And Other Employe132

Retirement And Other Employee Benefits (Estimated Future Benefit Payments From The Plans) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Pension Benefits
Defined Benefit Plan Disclosure [Line Items]
2,016	$ 60,555
2,017	58,245
2,018	57,881
2,019	60,056
2,020	75,144
2021-2025	394,654
Total	706,535
Retirement Health Benefits
Defined Benefit Plan Disclosure [Line Items]
2,016	4,000
2,017	4,361
2,018	4,708
2,019	5,066
2,020	5,446
2021-2025	32,844
Total	$ 56,425

Segment Information (Financial

Segment Information (Financial Information By Segment) (Details) $ in Thousands		3 Months Ended									12 Months Ended
		Dec. 31, 2015USD ($)		Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2014USD ($)	Mar. 31, 2014USD ($)	Dec. 31, 2015USD ($)segment		Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Segment Reporting [Abstract]
Number of reportable segments | segment											5
Segment Reporting Information [Line Items]
Net earned premiums											$ 8,350,997		$ 8,632,142	$ 7,759,796
Net investment income											626,217		656,429	650,296
Net realized gains on investments											31,826		60,783	34,525
Amortization of deferred gain on disposal of businesses											12,988		(1,506)	16,310
Fees and other income											1,303,466		1,033,805	586,730
Total revenues		$ 2,547,834		$ 2,534,156	$ 2,644,894	$ 2,598,610	$ 2,622,692	$ 2,702,488	$ 2,608,101	$ 2,448,372	10,325,494		10,381,653	9,047,657
Policyholder benefits											4,742,535		4,405,333	3,675,532
Amortization of deferred acquisition costs and value of business acquired											1,402,573		1,485,558	1,470,287
Underwriting, general and administrative expenses											3,924,089		3,688,230	3,034,404
Interest expense											55,116		58,395	77,735
Total benefits, losses and expenses											10,124,313		9,637,516	8,257,958
Income before benefit for income taxes		110,214		(32,251)	40,025	83,193	90,346	224,751	193,787	235,253	201,181		744,137	789,699
Provision (benefit) for income taxes											59,626		273,230	300,792
Net income		65,744		$ (7,022)	$ 32,789	$ 50,044	49,755	$ 140,297	$ 143,610	$ 137,245	141,555		470,907	488,907
Segment assets, excluding goodwill							30,721,227						30,721,227	28,930,128
Goodwill		833,512					841,239				833,512		841,239	784,561
Total assets		30,043,128	[1]				31,562,466				30,043,128	[1]	31,562,466	29,714,689
Solutions
Segment Reporting Information [Line Items]
Net earned premiums											3,015,846		3,128,868	2,783,758
Net investment income											376,683		382,640	376,245
Net realized gains on investments											0		0	0
Amortization of deferred gain on disposal of businesses											0		0	0
Fees and other income											785,611		667,852	400,370
Total revenues											4,178,140		4,179,360	3,560,373
Policyholder benefits											919,403		1,027,469	895,504
Amortization of deferred acquisition costs and value of business acquired											1,078,551		1,106,889	1,132,298
Underwriting, general and administrative expenses											1,903,712		1,723,169	1,341,961
Interest expense											0		0	0
Total benefits, losses and expenses											3,901,666		3,857,527	3,369,763
Income before benefit for income taxes											276,474		321,833	190,610
Provision (benefit) for income taxes											79,291		102,885	65,458
Net income											197,183		218,948	125,152
Segment assets, excluding goodwill							14,260,609						14,260,609	13,321,648
Goodwill	[2]	529,093					539,653				529,093		539,653	496,201
Specialty Property
Segment Reporting Information [Line Items]
Net earned premiums											2,044,701		2,506,097	2,380,044
Net investment income											92,859		101,908	98,935
Net realized gains on investments											0		0	0
Amortization of deferred gain on disposal of businesses											0		0	0
Fees and other income											405,545		301,048	133,135
Total revenues											2,543,105		2,909,053	2,612,114
Policyholder benefits											788,549		1,085,339	890,409
Amortization of deferred acquisition costs and value of business acquired											280,492		343,314	309,332
Underwriting, general and administrative expenses											1,010,445		961,972	758,941
Interest expense											0		0	0
Total benefits, losses and expenses											2,079,486		2,390,625	1,958,682
Income before benefit for income taxes											463,619		518,428	653,432
Provision (benefit) for income taxes											155,914		176,671	229,846
Net income											307,705		341,757	423,586
Segment assets, excluding goodwill							4,010,393						4,010,393	3,858,314
Goodwill		304,419					301,586				304,419		301,586	288,360
Health
Segment Reporting Information [Line Items]
Net earned premiums											2,223,696		1,945,452	1,581,407
Net investment income											24,487		35,369	36,664
Net realized gains on investments											0		0	0
Amortization of deferred gain on disposal of businesses											0		0	0
Fees and other income											54,622		40,016	29,132
Total revenues											2,302,805		2,020,837	1,647,203
Policyholder benefits											2,301,241		1,575,633	1,169,075
Amortization of deferred acquisition costs and value of business acquired											10,694		4,570	801
Underwriting, general and administrative expenses											516,726		491,248	434,749
Interest expense											0		0	0
Total benefits, losses and expenses											2,828,661		2,071,451	1,604,625
Income before benefit for income taxes											(525,856)		(50,614)	42,578
Provision (benefit) for income taxes											(157,949)		13,134	36,721
Net income											(367,907)		(63,748)	5,857
Segment assets, excluding goodwill							1,210,615						1,210,615	884,077
Goodwill		0					0				0		0	0
Employee Benefits
Segment Reporting Information [Line Items]
Net earned premiums											1,066,754		1,051,725	1,014,587
Net investment income											110,998		117,192	117,853
Net realized gains on investments											0		0	0
Amortization of deferred gain on disposal of businesses											0		0	0
Fees and other income											25,006		24,204	23,434
Total revenues											1,202,758		1,193,121	1,155,874
Policyholder benefits											730,192		716,892	715,656
Amortization of deferred acquisition costs and value of business acquired											32,836		30,785	27,856
Underwriting, general and administrative expenses											365,921		368,763	360,303
Interest expense											0		0	0
Total benefits, losses and expenses											1,128,949		1,116,440	1,103,815
Income before benefit for income taxes											73,809		76,681	52,059
Provision (benefit) for income taxes											26,487		28,000	17,506
Net income											47,322		48,681	34,553
Segment assets, excluding goodwill							2,242,145						2,242,145	2,298,698
Goodwill		0					0				0		0	0
Corporate & Other
Segment Reporting Information [Line Items]
Net earned premiums											0		0	0
Net investment income											21,190		19,320	20,599
Net realized gains on investments											31,826		60,783	34,525
Amortization of deferred gain on disposal of businesses											12,988		(1,506)	16,310
Fees and other income											32,682		685	659
Total revenues											98,686		79,282	72,093
Policyholder benefits											3,150		0	4,888
Amortization of deferred acquisition costs and value of business acquired											0		0	0
Underwriting, general and administrative expenses											127,285		143,078	138,450
Interest expense											55,116		58,395	77,735
Total benefits, losses and expenses											185,551		201,473	221,073
Income before benefit for income taxes											(86,865)		(122,191)	(148,980)
Provision (benefit) for income taxes											(44,117)		(47,460)	(48,739)
Net income											(42,748)		(74,731)	(100,241)
Segment assets, excluding goodwill							$ 8,997,465						$ 8,997,465	$ 8,567,391
Operating Segments | Solutions
Segment Reporting Information [Line Items]
Total assets	[1]	14,356,484									14,356,484
Operating Segments | Specialty Property
Segment Reporting Information [Line Items]
Total assets	[1]	3,648,738									3,648,738
Operating Segments | Health
Segment Reporting Information [Line Items]
Total assets	[1]	1,437,032									1,437,032
Operating Segments | Employee Benefits
Segment Reporting Information [Line Items]
Total assets	[1]	2,190,808									2,190,808
Operating Segments | Corporate & Other
Segment Reporting Information [Line Items]
Total assets	[1]	$ 8,410,066									$ 8,410,066
[1]	As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets.
[2]	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.

Segment Information (Summary Of

Segment Information (Summary Of Financial Information By Geographic Location) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues	$ 2,547,834	$ 2,534,156	$ 2,644,894	$ 2,598,610	$ 2,622,692	$ 2,702,488	$ 2,608,101	$ 2,448,372	$ 10,325,494	$ 10,381,653	$ 9,047,657
Long-lived assets	298,414				277,645				298,414	277,645	253,630
United States
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues									8,917,732	8,874,820	7,792,728
Long-lived assets	293,915				272,555				293,915	272,555	248,331
Foreign countries
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenues									1,407,762	1,506,833	1,254,929
Long-lived assets	$ 4,499				$ 5,090				$ 4,499	$ 5,090	$ 5,299

Segment Information (Summary135

Segment Information (Summary Of Net Earned Premiums By Segment And Product) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	$ 8,350,997	$ 8,632,142	$ 7,759,796
Solutions
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	3,015,846	3,128,868	2,783,758
Solutions | Credit
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	386,341	478,898	547,100
Solutions | Service contracts
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	2,446,829	2,481,793	2,057,353
Solutions | Preneed
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	60,403	61,093	66,523
Solutions | Other
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	122,273	107,084	112,782
Specialty Property
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	2,044,701	2,506,097	2,380,044
Specialty Property | Other
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	453,245	524,556	475,814
Specialty Property | Homeowners (lender-placed and voluntary)
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	1,425,799	1,743,965	1,678,172
Specialty Property | Manufactured housing (lender-placed and voluntary)
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	165,657	237,576	226,058
Health
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	2,223,696	1,945,452	1,581,407
Health | Individual
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	1,895,970	1,544,968	1,174,141
Health | Small employer group
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	327,726	400,484	407,266
Employee Benefits
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	1,066,754	1,051,725	1,014,587
Employee Benefits | Group disability
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	398,172	409,028	403,286
Employee Benefits | Group dental
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	396,925	392,502	383,223
Employee Benefits | Group life
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	204,526	200,285	192,392
Employee Benefits | Group supplemental and vision products
Segment Reporting, Other Significant Reconciling Item [Line Items]
Net earned premiums	$ 67,131	$ 49,910	$ 35,686

Earnings per common share (Narr

Earnings per common share (Narrative) (Details) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Performance Share Units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Outstanding Anti-dilutive Shares excluded from Diluted EPS Calculation	0	0	0
SARS
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Outstanding Anti-dilutive Shares excluded from Diluted EPS Calculation	0	0	0

Earnings per common share (Net

Earnings per common share (Net Income, Weighted Average Common Shares Used In Calculating Basic Earnings Per Common Share And Diluted EPS) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2015		Sep. 30, 2015		Jun. 30, 2015		Mar. 31, 2015		Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Numerator
Net income	$ 65,744		$ (7,022)		$ 32,789		$ 50,044		$ 49,755	$ 140,297	$ 143,610	$ 137,245	$ 141,555	$ 470,907	$ 488,907
Dividends													(94,168)	(77,495)	(74,128)
Undistributed earnings													$ 47,387	$ 393,412	$ 414,779
Denominator
Weighted average shares outstanding used in basic earnings per share calculations													68,163,825	72,181,447	76,648,688
Weighted average shares used in diluted earnings per share calculations													69,017,209	73,152,010	77,654,764
Earnings per common share – Basic
Distributed earnings - Basic (in dollars per share)													$ 1.38	$ 1.06	$ 0.96
Undistributed earnings - Basic (in dollars per share)													0.70	5.46	5.42
Net income, basic (in dollars per share)	$ 0.99		$ (0.10)		$ 0.48		$ 0.72		$ 0.70	$ 1.94	$ 1.98	$ 1.88	2.08	6.52	6.38
Earnings per common share – Diluted
Distributed earnings - Diluted (in dollars per share)													1.36	1.06	0.95
Undistributed earnings - Diluted (in dollars per share)													0.69	5.38	5.35
Net income - Diluted (in dollars per share)	$ 0.97	[1]	$ (0.10)	[1]	$ 0.47	[1]	$ 0.71	[1]	$ 0.69	$ 1.92	$ 1.95	$ 1.86	$ 2.05	$ 6.44	$ 6.30
Retained Earnings
Numerator
Net income													$ 141,555	$ 470,907	$ 488,907
Dividends													$ (94,168)	$ (77,495)	$ (74,128)
PSUs
Denominator
Incremental common shares													789,547	905,648	864,572
SARs
Denominator
Incremental common shares													0	0	65,712
ESPP
Denominator
Incremental common shares													63,837	64,915	75,792
[1]	In accordance with earnings per share guidance, diluted per share amounts are computed in the same manner as basic per share amounts when a loss from operations exists.

Quarterly Results Of Operati138

Quarterly Results Of Operations (Unaudited) (Summary Of Quarterly Results Of Operations) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2015		Sep. 30, 2015		Jun. 30, 2015		Mar. 31, 2015		Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]
Total revenues	$ 2,547,834		$ 2,534,156		$ 2,644,894		$ 2,598,610		$ 2,622,692	$ 2,702,488	$ 2,608,101	$ 2,448,372	$ 10,325,494	$ 10,381,653	$ 9,047,657
Income (loss) before provision (benefit) for income taxes	110,214		(32,251)		40,025		83,193		90,346	224,751	193,787	235,253	201,181	744,137	789,699
Net income	$ 65,744		$ (7,022)		$ 32,789		$ 50,044		$ 49,755	$ 140,297	$ 143,610	$ 137,245	$ 141,555	$ 470,907	$ 488,907
Income before provision for income taxes, basic (in dollars per share)	$ 1.65		$ (0.48)		$ 0.58		$ 1.19		$ 1.27	$ 3.11	$ 2.67	$ 3.23
Net income, basic (in dollars per share)	0.99		(0.10)		0.48		0.72		0.70	1.94	1.98	1.88	$ 2.08	$ 6.52	$ 6.38
Income before provision for income taxes, diluted (in dollars per share)	1.63	[1]	(0.48)	[1]	0.58	[1]	1.18	[1]	1.25	3.08	2.63	3.18
Net income, diluted (in dollars per share)	$ 0.97	[1]	$ (0.10)	[1]	$ 0.47	[1]	$ 0.71	[1]	$ 0.69	$ 1.92	$ 1.95	$ 1.86	$ 2.05	$ 6.44	$ 6.30
[1]	In accordance with earnings per share guidance, diluted per share amounts are computed in the same manner as basic per share amounts when a loss from operations exists.

Quarterly Results Of Operati139

Quarterly Results Of Operations (Unaudited) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]
(Gain)/Loss on business classified as held for sale	$ (19,400)	$ (1,121)	$ 21,526	$ 0

Commitments and Contingencie140

Commitments and Contingencies (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]
Rent expense	$ 31,784	$ 30,260	$ 27,271
Sublease income	2,380
Letters of credit outstanding	$ 19,809	$ 17,871

Commitments and Contingencie141

Commitments and Contingencies (Schedule Of Future Minimum Lease Payments For Operating Leases) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Commitments and Contingencies Disclosure [Abstract]
2,016	$ 24,590
2,017	20,069
2,018	16,457
2,019	11,407
2,020	8,171
Thereafter	14,944
Total minimum future lease payments	95,638	[1]
Minimum sublease payments included in total minimum future lease payments	$ 14,031
[1]	Minimum future lease payments exclude $14,031 of sublease rental income.

Acquisitions (Details)

Acquisitions (Details) € in Thousands, $ in Thousands	Oct. 31, 2014USD ($)	Oct. 31, 2014EUR (€)	Sep. 03, 2014USD ($)	Apr. 16, 2014USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Oct. 31, 2014EUR (€)	Dec. 31, 2013USD ($)
Business Acquisition [Line Items]
Goodwill					$ 833,512	$ 841,239		$ 784,561
Streetlinks LLC
Business Acquisition [Line Items]
Fair value of consideration transferred				$ 65,905
Intangible assets recorded in connection with acquisition				47,970
Goodwill				14,738
Cash paid for acquisition				60,905
Contingent consideration				$ 5,000
eMortgage Logic LLC
Business Acquisition [Line Items]
Fair value of consideration transferred			$ 28,263
Intangible assets recorded in connection with acquisition			11,270
Goodwill			14,058
Cash paid for acquisition			17,000
Contingent consideration			$ 10,231
CWI Group
Business Acquisition [Line Items]
Fair value of consideration transferred	$ 71,393	€ 56,937
Intangible assets recorded in connection with acquisition	33,399						€ 26,485
Goodwill	$ 47,123						€ 37,369
Minimum | Streetlinks LLC
Business Acquisition [Line Items]
Amortization period of acquired intangible assets				2 years
Minimum | eMortgage Logic LLC
Business Acquisition [Line Items]
Amortization period of acquired intangible assets			3 years
Minimum | CWI Group
Business Acquisition [Line Items]
Amortization period of acquired intangible assets	1 year	1 year
Maximum | Streetlinks LLC
Business Acquisition [Line Items]
Amortization period of acquired intangible assets				12 years
Maximum | eMortgage Logic LLC
Business Acquisition [Line Items]
Amortization period of acquired intangible assets			11 years
Maximum | CWI Group
Business Acquisition [Line Items]
Amortization period of acquired intangible assets	8 years	8 years

Schedule I - Summary Of Inve143

Schedule I - Summary Of Investments Other -Than-Investments In Related Parties (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	$ 9,470,795	$ 10,048,100
Fixed maturity securities, fair value	10,215,328	$ 11,263,174
Cost or Amortized Cost	12,200,745
Fair Value	13,045,322
Amount at which shown in balance sheet	12,994,772
Fixed maturity securities
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	9,470,795
Fixed maturity securities, fair value	10,215,328
Amount at which shown in balance sheet	10,215,328
United States Government and government agencies and authorities
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	150,681
Fixed maturity securities, fair value	154,035
Amount at which shown in balance sheet	154,035
State, municipalities and political subdivisions
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	647,335
Fixed maturity securities, fair value	695,630
Amount at which shown in balance sheet	695,630
Foreign governments
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	497,785
Fixed maturity securities, fair value	562,250
Amount at which shown in balance sheet	562,250
Asset-backed
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	3,499
Fixed maturity securities, fair value	4,662
Amount at which shown in balance sheet	4,662
Commercial mortgage-backed
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	22,169
Fixed maturity securities, fair value	22,521
Amount at which shown in balance sheet	22,521
Residential mortgage-backed
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	953,247
Fixed maturity securities, fair value	998,514
Amount at which shown in balance sheet	998,514
Corporate
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Fixed maturity securities available for sale, amortized cost	7,196,079
Fixed maturity securities, fair value	7,777,716
Amount at which shown in balance sheet	7,777,716
Equity securities:
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	450,563
Fair Value	500,057
Amount at which shown in balance sheet	500,057
Common stocks
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	13,048
Fair Value	19,664
Amount at which shown in balance sheet	19,664
Non-redeemable preferred stocks
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	437,515
Fair Value	480,393
Amount at which shown in balance sheet	480,393
Commercial mortgage loans on real estate
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	1,151,256
Fair Value	1,201,806
Amount at which shown in balance sheet	1,151,256
Policy loans
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	43,858
Fair Value	43,858
Amount at which shown in balance sheet	43,858
Short-term investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	508,950
Fair Value	508,950
Amount at which shown in balance sheet	508,950
Other investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data [Line Items]
Cost or Amortized Cost	575,323
Fair Value	575,323
Amount at which shown in balance sheet	$ 575,323

Schedule II - Condensed Bala144

Schedule II - Condensed Balance Sheet (Parent Only) (Details) - USD ($) $ in Thousands	Dec. 31, 2015		Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Condensed Financial Statements, Captions [Line Items]
Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014)	$ 10,215,328		$ 11,263,174
Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014)	500,057		499,407
Short-term investments	508,950		345,246
Other investments	575,323		606,752
Total investments	12,994,772		14,131,452
Cash and cash equivalents	1,288,305		1,318,656	$ 1,717,184	$ 909,404
Income tax receivable	24,176		15,132
Accrued investment income	129,743		138,868
Property and equipment, at cost less accumulated depreciation	298,414		277,645
Other intangible assets, net	277,163		381,960
Other assets	475,731		847,860
Total assets	30,043,128	[1]	31,562,466	29,714,689
Accounts payable and other liabilities	2,049,810		2,675,515
Debt	1,171,382		1,171,079
Total liabilities	$ 25,519,161		$ 26,381,159
Commitments and Contingencies
Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively	$ 1,497		$ 1,490
Additional paid-in capital	3,148,409		3,131,274
Retained earnings	4,856,674		4,809,287
Accumulated other comprehensive income	118,549		555,767	426,830	830,403
Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, respectively	(3,601,162)		(3,316,511)
Total stockholders’ equity	4,523,967		5,181,307	4,833,479	5,185,366
Total liabilities and stockholders’ equity	30,043,128		31,562,466
Parent Company
Condensed Financial Statements, Captions [Line Items]
Equity investment in subsidiaries	5,125,524		5,620,192
Fixed maturity securities available for sale, at fair value (amortized cost – $143,069 in 2015 and $265,433 in 2014)	140,748		269,889
Equity securities available for sale, at fair value (amortized cost – $4,694 in 2015 and $13,014 in 2014)	5,389		23,605
Short-term investments	(1,810)		7,349
Other investments	93,012		92,594
Total investments	5,362,863		6,013,629
Cash and cash equivalents	354,146		392,189	$ 690,549	$ 197,938
Receivable from subsidiaries, net	24,688		40,952
Income tax receivable	23,438		16,457
Accrued investment income	1,328		2,055
Property and equipment, at cost less accumulated depreciation	126,271		148,046
Other intangible assets, net	0		9,282
Other assets	66,396		139,208
Total assets	5,959,130		6,761,818
Accounts payable and other liabilities	263,781		409,432
Debt	1,171,382		1,171,079
Total liabilities	$ 1,435,163		$ 1,580,511
Commitments and Contingencies
Common stock, par value $0.01 per share, 800,000,000 shares authorized, 65,850,386 and 69,299,559 shares outstanding at December 31, 2015 and 2014, respectively	$ 1,497		$ 1,490
Additional paid-in capital	3,148,409		3,131,274
Retained earnings	4,856,674		4,809,287
Accumulated other comprehensive income	118,549		555,767
Treasury stock, at cost; 83,523,031 and 79,338,142 shares at December 31, 2015 and 2014, respectively	(3,601,162)		(3,316,511)
Total stockholders’ equity	4,523,967		5,181,307
Total liabilities and stockholders’ equity	$ 5,959,130		$ 6,761,818
[1]	As of December 31, 2014, all goodwill on Assurant's balance sheet was held in the Corporate & Other segment. Beginning January 1, 2015, goodwill is included on the respective segment balance sheets.

Schedule II - Condensed Bala145

Schedule II - Condensed Balance Sheet (Parent Only) Schedule II - Condensed Balance Sheet (Parent Only) (Parenthetical) (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Condensed Financial Statements, Captions [Line Items]
Fixed maturity securities available for sale, amortized cost	$ 9,470,795	$ 10,048,100
Equity securities available for sale, cost	$ 450,563	$ 434,875
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	800,000,000	800,000,000
Common stock, shares outstanding (in shares)	65,850,386	69,299,559	71,828,208	78,664,029
Treasury stock, at cost (in shares)	83,523,031	79,338,142
Parent Company
Condensed Financial Statements, Captions [Line Items]
Fixed maturity securities available for sale, amortized cost	$ 143,069	$ 265,433
Equity securities available for sale, cost	$ 4,694	$ 13,014
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	800,000,000	800,000,000
Common stock, shares outstanding (in shares)	65,850,386	69,299,559
Treasury stock, at cost (in shares)	69,299,559	79,338,142

Schedule II - Condensed Inc146

Schedule II - Condensed Income Statement (Parent Only) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Net investment income									$ 626,217	$ 656,429	$ 650,296
Net realized gains on investments									31,826	60,783	34,525
Fees and other income									1,303,466	1,033,805	586,730
Total revenues	$ 2,547,834	$ 2,534,156	$ 2,644,894	$ 2,598,610	$ 2,622,692	$ 2,702,488	$ 2,608,101	$ 2,448,372	10,325,494	10,381,653	9,047,657
Interest expense									55,116	58,395	77,735
Total benefits, losses and expenses									10,124,313	9,637,516	8,257,958
Income before benefit for income taxes	110,214	(32,251)	40,025	83,193	90,346	224,751	193,787	235,253	201,181	744,137	789,699
Benefit for income taxes									(59,626)	(273,230)	(300,792)
Net income	$ 65,744	$ (7,022)	$ 32,789	$ 50,044	$ 49,755	$ 140,297	$ 143,610	$ 137,245	141,555	470,907	488,907
Parent Company
Condensed Financial Statements, Captions [Line Items]
Net investment income									7,298	7,212	7,684
Net realized gains on investments									12,507	4,288	1,713
Fees and other income									95,986	90,217	89,889
Equity in net income of subsidiaries									227,805	584,464	628,894
Total revenues									343,596	686,181	728,180
General and administrative expenses									223,953	197,341	216,623
Interest expense									55,116	58,394	77,735
Total benefits, losses and expenses									279,069	255,735	294,358
Income before benefit for income taxes									64,527	430,446	433,822
Benefit for income taxes									77,028	40,461	55,085
Net income									$ 141,555	$ 470,907	$ 488,907

Schedule II - Condensed Stat147

Schedule II - Condensed Statements of Comprehensive Income (Parenthetical) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Net change in unrealized gains on securities, taxes	$ 158,653	$ (135,743)	$ 231,472
Net change in other-than-temporary impairment gains recognized in other comprehensive income, taxes	(2,240)	90	1,382
Net change in foreign currency translation, taxes	5,100	2,745	8,162
Amortization of pension and postretirement unrecognized net periodic benefit cost, taxes	(4,091)	26,534	(51,302)
Parent Company
Condensed Financial Statements, Captions [Line Items]
Net change in unrealized gains on securities, taxes	8,797	(3,273)	1,863
Net change in foreign currency translation, taxes	(45)	(68)	32
Amortization of pension and postretirement unrecognized net periodic benefit cost, taxes	$ (4,082)	$ 26,516	$ (51,301)

Schedule II - Condensed Stat148

Schedule II - Condensed Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net income	$ 65,744	$ (7,022)	$ 32,789	$ 50,044	$ 49,755	$ 140,297	$ 143,610	$ 137,245	$ 141,555	$ 470,907	$ 488,907
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively									297,639	(267,011)	455,808
Change in other-than-temporary impairment gains, net of taxes of $(0), $(0), and $(0), respectively									4,160	(167)	(2,566)
Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively									143,023	88,944	45,649
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively									(7,604)	49,297	(95,318)
Other comprehensive income (loss)									437,218	(128,937)	403,573
Total comprehensive (loss) income									(295,663)	599,844	85,334
Parent Company
Net income									141,555	470,907	488,907
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Change in unrealized gains on securities, net of taxes of $8,787, $(3,273), and $1,863, respectively									(7,876)	6,078	(3,459)
Change in foreign currency translation, net of taxes of $(45), $(68), and $32, respectively									84	126	(59)
Amortization of pension and postretirement unrecognized net periodic benefit cost and change in funded status, net of taxes of $(4,082), $26,516, and $(51,301), respectively									7,580	(49,244)	95,274
Change in subsidiary other comprehensive income									(437,006)	171,977	(495,329)
Other comprehensive income (loss)									(437,218)	128,937	(403,573)
Total comprehensive (loss) income									$ (295,663)	$ 599,844	$ 85,334

Schedule II Condensed Cash 149

Schedule II Condensed Cash Flows (Parent Only) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Condensed Financial Statements, Captions [Line Items]
Net cash provided by operating activities		$ 254,572	$ 393,816	$ 1,027,561
Fixed maturity securities available for sale		2,380,789	1,887,983	2,582,731
Equity securities available for sale		181,918	109,233	236,730
Property and equipment and other		3,448	172	1,422
Subsidiary	[1]	49,906	0	0
Fixed maturity securities available for sale		(2,747,392)	(2,472,494)	(3,396,588)
Equity securities available for sale		(185,025)	(132,748)	(215,881)
Other invested assets		(29,305)	(41,653)	(57,001)
Property and equipment and other		(114,896)	(83,603)	(52,326)
Change in short-term investments		(196,747)	93,571	(173,603)
Net cash provided by (used in) investing activities		264,293	63,889	(392,738)
Issuance of debt		0	0	698,093
Repurchase of debt		0	0	(33,634)
Repayment of debt		0	(467,330)	0
Change in tax benefit from share-based payment arrangements		(4,067)	14,900	(1,112)
Acquisition of common stock		(292,906)	(215,183)	(393,012)
Dividends paid		(94,168)	(77,495)	(74,128)
Net cash (used in) provided by financing activities		(487,127)	(776,199)	196,699
Effect of exchange rate changes on cash and cash equivalents		(56,231)	(28,126)	(23,742)
Change in cash and cash equivalents		(30,351)	(398,528)	807,780
Cash and cash equivalents		1,288,305	1,318,656	1,717,184	$ 909,404
Parent Company
Condensed Financial Statements, Captions [Line Items]
Net cash provided by operating activities		649,345	397,665	440,598
Fixed maturity securities available for sale		442,777	444,589	394,997
Equity securities available for sale		32,297	8,895	19,315
Other invested assets		447	0	0
Property and equipment and other		35	0	41
Subsidiary		3	0	0
Fixed maturity securities available for sale		20,167	45,145	69,156
Fixed maturity securities available for sale		(461,709)	(253,866)	(314,864)
Equity securities available for sale		(13,288)	(9,433)	(15,557)
Other invested assets		(2,649)	(4,134)	(152)
Property and equipment and other		(47,542)	(49,569)	(29,635)
Capital contributed to subsidiaries		(439,476)	(453,700)	(323,600)
Return of capital contributions from subsidiaries		172,391	205,250	174,277
Change in short-term investments		4,977	115,856	(118,123)
Net cash provided by (used in) investing activities		(291,570)	49,033	(144,145)
Issuance of debt		0	0	698,093
Repurchase of debt		0	0	(33,634)
Repayment of debt		0	(467,330)	0
Change in tax benefit from share-based payment arrangements		(4,067)	14,900	(1,112)
Acquisition of common stock		(292,906)	(215,183)	(393,012)
Dividends paid		(94,168)	(77,495)	(74,128)
Net cash (used in) provided by financing activities		(391,141)	(745,108)	196,207
Effect of exchange rate changes on cash and cash equivalents		0	50	(49)
Cash included in held for sale assets		(4,677)	0	0
Change in cash and cash equivalents		(38,043)	(298,360)	492,611
Cash and cash equivalents		$ 354,146	$ 392,189	$ 690,549	$ 197,938
[1]	2015 includes the sale of American Reliable Insurance Co. and certain assets related to our vehicle title administration services business and supplemental and small group self-funded businesses; the acquisition of Coast to Coast Services, Inc. and Rent Collect Global. 2014 includes the acquisition of StreetLinks, LLC, eMortgage Logic, LLC, CWI Group and other immaterial subsidiaries. 2013 includes the acquisition of Field Asset Services Group Limited and Lifestyle Services Group Limited.

Schedule III - Supplementary150

Schedule III - Supplementary Insurance Information (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015		Dec. 31, 2014	Dec. 31, 2013
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		$ (3,150,934)		$ (2,957,740)	$ (3,128,931)
Future policy benefits and expenses		9,466,694		9,483,672	8,646,572
Unearned premiums		(6,423,720)		(6,529,675)	(6,662,672)
Claims and benefits payable		3,896,719		3,698,606	3,389,371
Premium revenue		8,350,997		8,632,142	7,759,796
Net investment income		626,217		656,429	650,296
Benefits claims, losses and settlement expenses		4,742,535		4,405,333	3,675,532
Amortization of deferred acquisition costs		1,394,259		1,477,581	1,461,845
Other operating expenses	[1]	3,932,403		3,696,207	3,042,846
Property and Casualty premiums written		2,422,042		3,130,318	3,203,239
Solutions
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		(3,148,081)		(3,032,315)	(2,902,868)
Future policy benefits and expenses		5,234,257		5,208,223	5,076,507
Unearned premiums		(5,086,399)		(4,957,688)	(4,801,495)
Claims and benefits payable		283,236		296,545	295,970
Premium revenue		3,015,846		3,128,868	2,783,758
Net investment income		376,683		382,640	376,245
Benefits claims, losses and settlement expenses		919,403		1,027,469	895,504
Amortization of deferred acquisition costs		1,070,237		1,098,911	1,123,856
Other operating expenses	[1]	1,912,026		1,731,147	1,350,403
Property and Casualty premiums written		566,991		760,878	621,543
Specialty Property
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		(134,035)		(170,973)	(190,331)
Future policy benefits and expenses		2,089		2,357	2,657
Unearned premiums		(1,382,668)		(1,597,898)	(1,682,960)
Claims and benefits payable		525,406		525,754	490,422
Premium revenue		2,044,701		2,506,097	2,380,044
Net investment income		92,859		101,908	98,935
Benefits claims, losses and settlement expenses		788,549		1,085,339	890,409
Amortization of deferred acquisition costs		280,492		343,314	309,332
Other operating expenses	[1]	1,010,445		961,971	758,941
Property and Casualty premiums written		1,855,051		2,369,440	2,581,696
Employee Benefits
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		(33,475)		(25,669)	(23,247)
Future policy benefits and expenses		32,763		31,788	32,025
Unearned premiums		(9,331)		(8,876)	(12,296)
Claims and benefits payable		1,432,045		1,474,805	1,513,013
Premium revenue		1,066,754		1,051,725	1,014,587
Net investment income		110,998		117,192	117,853
Benefits claims, losses and settlement expenses		730,192		716,892	715,656
Amortization of deferred acquisition costs		32,836		30,786	27,856
Other operating expenses	[1]	365,921		368,763	360,303
Property and Casualty premiums written		0		0	0
Health
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		0		(19,652)	(12,485)
Future policy benefits and expenses		78,723		88,411	95,380
Unearned premiums		(29,607)		(137,546)	(136,376)
Claims and benefits payable		552,950		391,611	239,733
Premium revenue		2,223,696		1,945,452	1,581,407
Net investment income		24,487		35,369	36,664
Benefits claims, losses and settlement expenses		2,301,241		1,575,633	1,169,075
Amortization of deferred acquisition costs		10,694		4,570	801
Other operating expenses	[1]	516,726		491,248	434,749
Property and Casualty premiums written		0		0	0
Corporate & Other
Supplementary Insurance Information, by Segment [Line Items]
Deferred acquisition costs		(164,657)	[2]	(290,869)	0
Future policy benefits and expenses		4,118,862	[2]	4,152,893	3,440,003
Unearned premiums		84,285	[2]	172,333	(29,545)
Claims and benefits payable		1,103,082	[2]	1,009,891	850,233
Premium revenue		0	[2]	0	0
Net investment income		21,190	[2]	19,320	20,599
Benefits claims, losses and settlement expenses		3,150	[2]	0	4,888
Amortization of deferred acquisition costs		0	[2]	0	0
Other operating expenses	[1]	127,285	[2]	143,078	138,450
Property and Casualty premiums written		$ 0	[2]	$ 0	$ 0
[1]	Includes amortization of value of business acquired and underwriting, general and administration expenses.
[2]	Amounts related to deferred acquisition costs and unearned premiums are impacted by the adjustment described in Note 2 - Use of Estimates section.

Schedule IV - Reinsurance (Deta

Schedule IV - Reinsurance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reinsurance [Line Items]
Life insurance in force, gross	$ 93,926,136	$ 97,410,319	$ 98,596,728
Life insurance in force, ceded to other companies	26,786,323	29,365,216	34,445,475
Life insurance in force, assumed other companies	1,397,236	1,642,259	8,162,720
Life insurance in force, net	$ 68,537,049	$ 69,687,362	$ 72,313,973
Life insurance in force, percentage of amount assumed to net	2.00%	2.40%	11.30%
Premiums, direct amount	$ 11,600,724	$ 11,250,949	$ 9,848,656
Premiums, assumed from other companies	525,988	487,656	315,097
Premiums, ceded to other companies	3,775,715	3,106,463	2,403,957
Net earned premiums	$ 8,350,997	$ 8,632,142	$ 7,759,796
Premiums, percentage of amount assumed to net	6.30%	5.60%	4.10%
Direct policyholder benefits	$ 6,962,357	$ 6,947,121	$ 4,639,958
Benefits, ceded to other companies	2,530,695	2,872,064	1,198,716
Benefits, assumed from other companies	310,873	330,276	234,290
Net policyholder benefits	$ 4,742,535	$ 4,405,333	$ 3,675,532
Benefits, percentage of amount assumed to net	6.60%	7.50%	6.40%
Life insurance
Reinsurance [Line Items]
Premiums, direct amount	$ 664,738	$ 720,478	$ 729,519
Premiums, assumed from other companies	16,788	27,588	39,218
Premiums, ceded to other companies	316,533	361,860	373,641
Net earned premiums	$ 364,993	$ 386,206	$ 395,096
Premiums, percentage of amount assumed to net	4.60%	7.10%	9.90%
Direct policyholder benefits	$ 667,984	$ 736,430	$ 736,349
Benefits, ceded to other companies	295,528	364,064	361,592
Benefits, assumed from other companies	20,008	23,812	27,262
Net policyholder benefits	$ 392,464	$ 396,178	$ 402,019
Benefits, percentage of amount assumed to net	5.10%	6.00%	6.80%
Accident and health insurance
Reinsurance [Line Items]
Premiums, direct amount	$ 3,677,759	$ 3,429,376	$ 3,089,192
Premiums, assumed from other companies	177,510	175,768	170,848
Premiums, ceded to other companies	630,083	629,062	674,640
Net earned premiums	$ 3,225,186	$ 2,976,082	$ 2,585,400
Premiums, percentage of amount assumed to net	5.50%	5.90%	6.60%
Direct policyholder benefits	$ 3,536,448	$ 3,450,893	$ 1,995,860
Benefits, ceded to other companies	774,591	1,410,856	345,806
Benefits, assumed from other companies	153,912	153,621	147,460
Net policyholder benefits	$ 2,915,769	$ 2,193,658	$ 1,797,514
Benefits, percentage of amount assumed to net	5.30%	7.00%	8.20%
Property and liability insurance
Reinsurance [Line Items]
Premiums, direct amount	$ 7,258,227	$ 7,101,095	$ 6,029,945
Premiums, assumed from other companies	331,690	284,300	105,031
Premiums, ceded to other companies	2,829,099	2,115,541	1,355,676
Net earned premiums	$ 4,760,818	$ 5,269,854	$ 4,779,300
Premiums, percentage of amount assumed to net	7.00%	5.40%	2.20%
Direct policyholder benefits	$ 2,757,925	$ 2,759,798	$ 1,907,749
Benefits, ceded to other companies	1,460,576	1,097,144	491,318
Benefits, assumed from other companies	136,953	152,843	59,568
Net policyholder benefits	$ 1,434,302	$ 1,815,497	$ 1,475,999
Benefits, percentage of amount assumed to net	9.50%	8.40%	4.00%

Schedule V - Valuation And Q152

Schedule V - Valuation And Qualifying Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	$ 63,951	$ 68,422	$ 62,092
Charged to Costs and Expenses	665	4,939	7,690
Charged to Other Accounts	(1,238)	(600)	910
Deductions	9,062	8,810	2,270
Balance at End of Year	54,316	63,951	68,422
Valuation allowance for foreign NOL deferred tax carryforward
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	18,164	16,474	13,091
Charged to Costs and Expenses	(4,946)	1,690	3,383
Charged to Other Accounts	0	0	0
Deductions	0	0	0
Balance at End of Year	13,218	18,164	16,474
Valuation allowance for mortgage loans on real estate
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	3,399	4,482	6,997
Charged to Costs and Expenses	(816)	(1,086)	(2,515)
Charged to Other Accounts	0	3	0
Deductions	1	0	0
Balance at End of Year	2,582	3,399	4,482
Valuation allowance for uncollectible agents balances
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	15,698	19,822	14,753
Charged to Costs and Expenses	(206)	(1,894)	5,870
Charged to Other Accounts	(59)	52	238
Deductions	1,686	2,282	1,039
Balance at End of Year	13,747	15,698	19,822
Valuation allowance for uncollectible accounts
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	15,870	16,824	16,618
Charged to Costs and Expenses	6,633	6,229	765
Charged to Other Accounts	(1,179)	(655)	672
Deductions	7,375	6,528	1,231
Balance at End of Year	13,949	15,870	16,824
Valuation allowance for reinsurance recoverables
Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Year	10,820	10,820	10,633
Charged to Costs and Expenses	0	0	187
Charged to Other Accounts	0	0	0
Deductions	0	0	0
Balance at End of Year	$ 10,820	$ 10,820	$ 10,820