| Liability for Unpaid Claims and Claim Adjustment Expenses | The liability for unpaid claims and claim adjustment expenses (“claims”) for health and property and casualty insurance is included in “Policy and contract claims” in the consolidated statements of financial position and is the amount estimated for incurred but not reported (“IBNR”) claims and claims that have been reported but not settled. The liability for unpaid claims is estimated based upon American National’s historical experience and actuarial assumptions that consider the effects of current developments, anticipated trends and risk management programs, less anticipated salvage and subrogation. The effects of the changes are included in the consolidated results of operations in the period in which the changes occur. The time value of money is not taken into account for the purposes of calculating the liability for unpaid claims. There have been no significant changes in methodologies or assumptions used to calculate the liability for unpaid claims and claim adjustment expenses. Information regarding the liability for unpaid claims is shown below (in thousands): Years ended December 31, 2020 2019 2018 Unpaid claims balance, beginning $ 1,322,837 $ 1,305,225 $ 1,218,652 Less: Reinsurance recoverables 246,447 254,466 241,301 Net beginning balance 1,076,390 1,050,759 977,351 Incurred related to Current 1,177,634 1,207,796 1,193,216 Prior years (61,659) (57,979) (19,852) Total incurred claims 1,115,975 1,149,817 1,173,364 Paid claims related to Current 681,960 688,544 688,493 Prior years 399,276 435,642 411,463 Total paid claims 1,081,236 1,124,186 1,099,956 Net balance 1,111,129 1,076,390 1,050,759 Plus: Reinsurance recoverables 243,084 246,447 254,466 Unpaid claims balance, ending $ 1,354,213 $ 1,322,837 $ 1,305,225 The net and gross reserve calculations have shown favorable development as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation of losses in prior years. Estimates for ultimate incurred claims attributable to insured events of prior years decreased by approximately $61.7 million, $58.0 million, $19.9 million in 2020, 2019, and 2018, respectively. The favorable development in 2020 was a reflection of lower rates of claim severity emergence than previously expected in the worker's compensation line of business , and lower liability claim settlement costs emerging from agribusiness and private passenger automobile lines of business. The favorable development in 2019 reflected lower rates of claim severity emergence than previously expected in the workers compensation line of business , and lower liability claim settlement costs emerging from private passenger automobile line of business. For short-duration health insurance claims, the total of IBNR plus expected development on reported claims included in the liability for unpaid claims and claim adjustment expenses at December 31, 2020 and December 31, 2019 was $20.5 million and $21.4 million respectively. The reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expenses in the consolidated statement of financial position is as follows (in thousands): December 31, 2020 Net outstanding liabilities Auto Liability $ 449,779 Non-Auto Liability 282,681 Commercial Multi-Peril 125,321 Homeowners 82,010 Short Tail Property 39,528 Credit Property and Casualty 18,870 Credit Life 1,123 Health 25,089 Credit Health 4,689 Other 796 Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance 1,029,886 Reinsurance recoverable on unpaid claims Auto Liability 9,240 Non-Auto Liability 38,496 Commercial Multi-Peril 5,972 Homeowners 9,520 Short Tail Property 6,018 Credit Property and Casualty 14,220 Credit Life 752 Health 165,436 Credit Health 1,903 Other 7,159 Total reinsurance recoverable on unpaid claims 258,716 Insurance lines other than short-duration 229,209 Unallocated claim adjustment expenses 57,477 286,686 Total gross liability for unpaid claims and claim adjustment expense $ 1,575,288 Property and Casualty Reserving Methodology —The following methods are utilized: • Initial Expected Loss Ratio —This method calculates an estimate of ultimate losses by applying an estimated loss ratio to actual earned premium for each calendar/accident year. This method is appropriate for classes of business where the actual paid or reported loss experience is not yet mature enough to influence initial expectations of the ultimate loss ratios. • Pegged Frequency and Severity —This method uses actual claims count data and emergence patterns of older accident periods to project the ultimate number of reported claims for a given accident year. A similar process projects the ultimate average severity per claim so that the product of the two projections results in a projection of ultimate loss for a given accident year. • Bornhuetter-Ferguson —This method uses, as a starting point, either an assumed Initial Expected Loss Ratio Method or Pegged Frequency and Severity method and blends in the loss ratio or frequency and severity implied by the claims experience to date by using loss development patterns based on our historical experience. This method is generally appropriate where there are few reported claims and an unstable pattern of reported losses. • Loss or Expense Development (Chain Ladder) —This method uses actual loss or defense and cost containment expense data and the historical development profiles on older accident periods to project more recent, less developed periods to their ultimate total. This method is appropriate when there is a relatively stable pattern of loss and expense emergence and a relatively large number of reported claims. • Ratio of Paid Defense and Cost Containment Expense to Paid Loss Development —This method uses the ratio of paid defense and cost containment expense to paid loss data and the historical development profiles on older accident periods to project more recent, less developed periods to their ultimate total. In this method, an ultimate ratio of paid defense and cost containment expense to paid loss is selected for each accident period. The selected paid defense and cost containment expense to paid loss ratio is then applied to the selected ultimate loss for each accident period to estimate the ultimate defense and cost containment expense. Paid defense and cost containment expense is then subtracted from the ultimate defense and cost containment expense to calculate the unpaid defense and cost containment expense for that accident period. • Calendar Year Paid Adjusting and Other Expense to Paid Loss —This method uses a selected prior calendar years’ paid expense to paid loss ratio to project ultimate loss adjustment expenses for adjusting and other expense. A percentage of the selected ratio is applied to the case reserves (depending on the line of insurance) and 100% to the indicated IBNR reserves. These ratios assume that a percentage of the expense is incurred when a claim is opened and the remaining percentage is paid throughout the claim’s life. For most credit property and casualty products, IBNR liability is calculated as a percentage of pro rata unearned premium, with the specific percentage for a given product line informed by a traditional completion factor claim reserve analysis. The expected development on reported claims is the sum of a pay-to-current reserve and a future reserve. The pay-to-current reserve is calculated for each open claim having a monthly indemnity and contains the amount required to pay the open claim from the last payment date to the current valuation date. The future reserve is calculated by assigning to each open claim a fixed reserve amount based on the historical average severity. For debt cancellation products and involuntary unemployment insurance, this reserve is calculated using published valuation tables. Cumulative claim frequency information is calculated on a per claim basis. Claims that do not result in a liability are not considered in the determination of unpaid liabilities. For any given line of business, none of these methods are relied on exclusively. With minor exceptions, multiple methods may be used for a line of business as a check for reasonableness of our reselected reserve value. The following contains information about incurred and paid claims development as of December 31, 2020, net of reinsurance, as well as cumulative claim frequency and the total of IBNR liabilities plus expected development on reported claims included within the net incurred claims amounts. The information about incurred and paid claims development for the years ended December 31, 2011 to 2019 is presented as supplementary information. Auto Liability —Consists of personal and commercial auto. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Cumulative Number of Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 263,411 $ 250,659 $ 248,865 $ 244,519 $ 244,436 $ 242,619 $ 241,711 $ 240,997 $ 240,650 $ 240,601 $ 70 47,076 2012 251,593 242,255 231,312 228,013 229,426 228,559 228,864 228,486 228,236 92 44,689 2013 242,364 236,432 233,068 231,301 228,285 226,608 227,234 227,102 312 38,816 2014 232,146 223,386 217,819 215,419 214,870 214,557 214,326 369 36,000 2015 237,578 240,697 239,421 245,775 244,798 244,621 1,567 36,087 2016 259,177 256,080 261,400 259,128 257,633 3,352 37,092 2017 269,803 280,012 275,850 273,551 7,175 38,535 2018 314,467 299,512 288,806 23,172 37,711 2019 330,988 313,636 44,325 35,995 2020 277,597 90,052 24,322 Total $ 2,566,109 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 93,245 $ 161,387 $ 197,326 $ 217,640 $ 230,585 $ 236,187 $ 238,510 $ 239,409 $ 240,085 $ 240,313 2012 82,531 150,323 183,448 204,980 214,467 219,170 222,117 222,865 224,585 2013 79,358 143,709 181,535 204,480 215,280 219,303 223,739 224,675 2014 72,838 134,376 166,947 187,375 204,057 209,401 210,994 2015 78,861 149,366 186,281 211,908 231,530 237,792 2016 86,492 153,911 198,326 225,869 237,592 2017 88,357 175,175 218,435 241,823 2018 95,777 185,317 227,312 2019 98,545 193,389 2020 78,699 Total $ 2,117,174 All outstanding liabilities before 2011, net of reinsurance* 844 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 449,779 * Unaudited supplementary information. Non-Auto Liability —Consists of workers’ compensation and other liability occurrence. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Cumulative Number of Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 86,409 $ 76,038 $ 75,390 $ 74,372 $ 73,647 $ 71,423 $ 68,248 $ 67,979 $ 67,307 $ 67,758 $ 1,978 5,726 2012 83,146 80,470 78,644 75,226 68,017 63,630 64,118 63,336 63,552 2,368 4,872 2013 74,183 75,815 70,772 67,841 65,096 64,564 63,284 62,926 2,650 4,556 2014 83,084 75,550 72,624 67,339 67,865 67,267 67,268 3,472 6,102 2015 83,897 78,968 76,724 67,548 64,189 63,326 4,848 5,556 2016 86,935 83,179 73,764 73,195 68,178 8,180 4,481 2017 102,616 88,902 81,240 77,322 8,875 8,133 2018 88,986 85,910 79,493 23,527 13,575 2019 96,064 95,340 38,408 11,633 2020 90,197 59,252 8,703 Total $ 735,360 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 13,848 $ 31,943 $ 41,814 $ 52,003 $ 56,791 $ 60,706 $ 62,414 $ 63,121 $ 63,706 $ 64,020 2012 13,862 27,574 38,826 49,585 55,194 57,863 59,528 60,900 61,450 2013 12,794 22,743 32,474 42,504 47,987 51,672 54,323 55,426 2014 11,201 26,587 36,220 45,206 51,853 55,307 57,497 2015 11,979 23,488 37,059 46,285 51,303 53,478 2016 12,733 24,633 35,502 45,820 50,596 2017 14,865 37,139 48,654 53,996 2018 13,156 26,115 37,574 2019 12,204 30,199 2020 9,596 Total $ 473,832 All outstanding liabilities before 2011, net of reinsurance* 21,153 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 282,681 * Unaudited supplementary information. Commercial Multi-Peril —Consists of business owners insurance and mortgage fire business. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Expected Cumulative Number of Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 42,185 $ 40,825 $ 39,037 $ 38,160 $ 38,456 $ 36,945 $ 37,014 $ 36,638 $ 35,964 $ 36,104 $ 222 3,566 2012 35,169 28,548 26,805 23,258 23,385 23,090 22,481 22,045 22,033 142 2,718 2013 33,979 27,592 27,867 26,970 25,948 26,028 24,790 24,681 301 2,228 2014 36,852 31,220 34,911 33,962 36,132 34,279 34,004 396 2,314 2015 33,997 31,488 29,023 32,282 31,285 33,059 848 2,238 2016 38,115 33,475 33,080 31,615 33,628 1,530 4,792 2017 42,411 37,079 40,611 43,367 2,801 6,796 2018 50,784 50,182 51,519 8,442 5,609 2019 56,062 59,789 17,510 3,442 2020 68,226 31,248 3,420 Total $ 406,410 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 13,092 $ 18,390 $ 22,616 $ 28,291 $ 30,458 $ 32,692 $ 34,177 $ 34,782 $ 34,939 $ 35,605 2012 11,525 14,454 16,263 18,670 20,716 21,026 21,352 21,415 21,453 2013 9,374 12,723 15,426 18,406 20,816 21,718 23,210 23,348 2014 12,001 16,484 20,199 24,602 27,339 31,448 32,702 2015 9,820 12,956 16,402 21,680 25,188 27,201 2016 11,327 17,193 19,085 22,339 25,686 2017 12,458 20,828 23,294 26,202 2018 18,027 30,078 32,490 2019 22,098 32,295 2020 25,492 Total $ 282,474 All outstanding liabilities before 2011, net of reinsurance* 1,385 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 125,321 * Unaudited supplementary information. Homeowners —Consists of homeowners and renters business. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Expected Cumulative Number of Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 203,301 $ 200,356 $ 198,757 $ 197,581 $ 197,381 $ 197,451 $ 197,239 $ 197,070 $ 197,020 $ 197,093 $ — 38,761 2012 181,284 177,664 175,523 175,509 175,178 175,032 174,611 174,276 174,239 — 30,999 2013 152,208 149,080 149,272 148,231 147,927 147,444 147,359 147,234 — 20,041 2014 132,651 131,634 130,287 131,546 130,895 130,747 130,799 — 18,182 2015 125,430 124,199 123,619 123,824 123,731 123,357 33 17,753 2016 147,264 145,373 144,376 145,019 144,828 20 21,549 2017 164,284 172,274 172,491 169,524 25 23,555 2018 174,495 179,561 176,317 1,264 22,519 2019 177,854 176,005 5,808 20,125 2020 227,298 23,749 23,049 Total $ 1,666,694 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2011* 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020 2011 $ 160,625 $ 190,946 $ 194,237 $ 195,327 $ 196,575 $ 196,628 $ 196,717 $ 196,757 $ 196,787 $ 196,872 2012 143,797 169,415 171,842 173,170 173,676 174,139 174,247 174,256 174,239 2013 115,605 140,309 145,152 146,650 146,920 147,145 147,233 147,232 2014 96,300 122,601 126,245 129,467 130,059 130,305 130,542 2015 86,617 114,696 119,331 122,585 122,955 123,065 2016 105,415 136,796 140,972 144,000 144,596 2017 116,075 159,107 166,009 167,638 2018 121,631 165,203 170,850 2019 122,530 163,400 2020 166,352 Total $ 1,584,786 All outstanding liabilities before 2011, net of reinsurance* 102 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 82,010 * Unaudited supplementary information. Short Tail Property —Consists of auto physical damage, fire, rental owners, standard fire policy, country estates, inland marine and watercraft. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment As of December 31, 2020 Years ended December 31, IBNR Plus Expected Cumulative Number of Accident Year 2019* 2020 2019 $ 247,229 $ 242,184 $ 115 65,697 2020 — 237,332 (418) 50,486 Total $ 479,516 Cumulative Paid Claims and Allocated Claim Years ended December 31, Accident Year 2019* 2020 2019 $ 218,333 $ 238,413 2020 — 203,827 Total $ 442,240 All outstanding liabilities before 2019, net of reinsurance* 2,252 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 39,528 * Unaudited supplementary information Credit Property and Casualty —Consists of credit property insurance, vendor’s or lender’s single interest insurance, GAP insurance, GAP waiver, debt cancellation products, involuntary unemployment insurance and collateral protection insurance. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment As of December 31, 2020 Years ended December 31, IBNR Plus Expected Cumulative Number of Accident Year 2019* 2020 2019 $ 82,391 $ 82,393 $ 21 28,454 2020 — 65,260 14,089 19,659 Total $ 147,653 Cumulative Paid Claims and Allocated Claim Years ended December 31, Accident Year 2019* 2020 2019 $ 61,302 $ 82,372 2020 46,417 Total $ 128,789 All outstanding liabilities before 2019, net of reinsurance* 6 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 18,870 * Unaudited supplementary information. Credit Life —For credit life products, IBNR is calculated as a percentage of life insurance in-force. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Expected Cumulative Number of Accident Year 2019* 2020 2019 $ 5,956 $ 6,421 $ 59 29 2020 — 7,265 1,001 29 Total $ 13,686 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2019* 2020 2019 $ 4,772 $ 6,362 2020 — 6,201 Total $ 12,563 All outstanding liabilities before 2019, net of reinsurance* — Liabilities for claims and claim adjustment expenses, net of reinsurance $ 1,123 * Unaudited supplementary information. Health Reserving Methodology —The following methods are utilized: • Completion Factor Approach —This method assumes that the historical claim patterns will be an accurate representation of unpaid claim liabilities. An estimate of the unpaid claims is calculated by subtracting period-to-date paid claims from an estimate of the ultimate “complete” payment for all incurred claims in the period. Completion factors are calculated which “complete” the current period-to-date payment totals for each incurred month to estimate the ultimate expected payout. • Tabular Claims Reserves —This method is used to calculate the reserves for long-term care and disability income blocks of business. These reserves rely on published valuation continuance tables created using industry experience regarding assumptions of continued morbidity and subsequent recovery. Reserves are calculated by applying these continuance tables, along with appropriate company experience adjustments, to the stream of contractual benefit payments. These expected benefit payments are discounted at the required interest rate. • Future Policy Benefits —Reserves are equal to the aggregate of the present value of expected future benefit payments, less the present value of expected future premiums. Morbidity and termination assumptions are based on our experience or published valuation tables when available and appropriate. • Premium Deficiency Reserves —Deficiency reserves are established when the expected future claim payments and expenses for a classification of policies are in excess of the expected premiums for these policies. The determination of a deficiency reserve takes into consideration the likelihood of premium rate increases, the timing of these increases, future net investment income, and the expected benefit utilization patterns. We have established premium deficiency reserves for portions of the major medical business and the long-term care business that are in run-off. The assumptions and methods used to determine the deficiency reserves are reviewed periodically for reasonableness, and the reserve amount is monitored against emerging losses. There is no expected development on reported claims in the health blocks. Claim frequency is determined by totaling the number of unique claim numbers during the period as each unique claim number represents a claim event for an individual claimant. Health —Consists of stop-loss and other supplemental health products. This line of business has substantially all claims settled and paid in less than five years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Cumulative Accident Year 2016* 2017* 2018* 2019* 2020 2016 $ 36,198 $ 41,236 $ 37,164 $ 37,233 $ 37,223 $ — 28,723 2017 41,544 39,930 35,466 35,447 — 31,396 2018 64,686 63,729 57,676 — 31,766 2019 48,175 52,508 5,271 32,205 2020 38,461 14,269 23,773 Total $ 221,315 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2016* 2017* 2018* 2019* 2020 2016 $ 24,357 $ 37,040 $ 37,115 $ 37,191 $ 37,198 2017 25,358 35,392 35,420 35,420 2018 34,894 57,759 57,616 2019 33,353 47,270 2020 23,398 Total $ 200,902 All outstanding liabilities before 2016, net of reinsurance* 4,676 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 25,089 * Unaudited supplementary information. Credit Health Reserving Methodology —The following methods are utilized: Tabular Claims Reserves —These reserves rely on published valuation continuance tables. The insureds age at disablement, the duration of the claim and the remaining term of the policy are used to provide a factor which is applied to the remaining exposure to calculate the present value of future benefits for insureds on claim. The claim liability consists of IBNR and Due/Unpaid. The IBNR utilizes an inventory type method based on historical patterns of claim payments incurred but not reported within the last six months of the valuation date. The Due/Unpaid reserves are the amount needed to pay an open claim from the last date of payment to the reserve valuation date. Credit Health —The claim liability consists of credit disability. This line of business has substantially all claims settled and paid in less than five years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2020 Years ended December 31, IBNR Plus Cumulative Accident Year 2016* 2017* 2018* 2019* 2020 2016 $ 4,323 $ 3,975 $ 3,914 $ 4,029 $ 3,865 $ 22 3,593 2017 4,555 4,852 4,773 4,820 81 3,773 2018 4,631 4,163 4,155 118 3,535 2019 3,902 3,705 230 2,972 2020 3,736 540 1,963 Total $ 20,281 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2016* 2017* 2018* 2019* 2020 2016 $ 1,300 $ 2,745 $ 3,330 $ 3,630 $ 3,759 2017 1,389 3,328 4,058 4,438 2018 1,473 2,930 3,598 2019 1,208 2,618 2020 1,179 Total $ 15,592 All outstanding liabilities before 2016, net of reinsurance* — Liabilities for claims and claim adjustment expenses, net of reinsurance $ 4,689 * Unaudited supplementary information. The following table is supplementary information. A 10-year average annual percentage payout of incurred claims is shown below: Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance Years 1 2 3 4 5 6 7 8 9 10 Auto Liability 33.5 % 29.2 % 15.5 % 9.6 % 5.8 % 2.2 % 1.2 % 0.4 % 0.5 % 2.1 % Non-Auto Liability 17.6 % 20.7 % 16.1 % 14.0 % 8.2 % 4.9 % 3.2 % 1.7 % 0.8 % 12.8 % Commercial Multi-Peril 36.3 % 15.7 % 8.5 % 12.0 % 8.9 % 5.9 % 3.8 % 0.8 % 0.3 % 7.8 % Homeowners 73.9 % 20.5 % 2.9 % 1.5 % 0.4 % 0.1 % 0.1 % — % — % 0.6 % Short Tail Property 88.0 % 12.0 % — % — % — % — % — % — % — % — % Credit Property and Casualty 72.8 % 27.2 % — % — % — % — % — % — % — % — % Credit Life 79.9 % 20.1 % — % — % — % — % — % — % — % — % |
