EQUITABLE HOLDINGS, INC., 10-Q filed on 5/2/2024
Quarterly Report
v3.24.1.u1
Cover - shares
3 Months Ended
Mar. 31, 2024
Apr. 30, 2024
Entity Information [Line Items]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Mar. 31, 2024  
Document Transition Report false  
Entity File Number 001-38469  
Entity Registrant Name Equitable Holdings, Inc.  
Entity Incorporation, State or Country Code DE  
Entity Tax Identification Number 90-0226248  
Entity Address, Address Line One 1345 Avenue of the Americas  
Entity Address, City or Town New York  
Entity Address, State or Province NY  
Entity Address, Postal Zip Code 10105  
City Area Code 212  
Local Phone Number 554-1234  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Business false  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   325,244,542
Document Fiscal Period Focus Q1  
Document Fiscal Year Focus 2024  
Amendment Flag false  
Entity Central Index Key 0001333986  
Current Fiscal Year End Date --12-31  
Common Stock    
Entity Information [Line Items]    
Title of 12(b) Security Common Stock  
Trading Symbol EQH  
Security Exchange Name NYSE  
Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series A    
Entity Information [Line Items]    
Title of 12(b) Security Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series A  
Trading Symbol EQH PR A  
Security Exchange Name NYSE  
Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C    
Entity Information [Line Items]    
Title of 12(b) Security Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C  
Trading Symbol EQH PR C  
Security Exchange Name NYSE  
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Consolidated Balance Sheets - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Investments:    
Fixed maturities available-for-sale, at fair value (amortized cost of $75,270 and $74,033) (allowance for credit losses of $4 and $4) $ 67,606 $ 67,030
Fixed maturities, at fair value using the fair value option [1] 1,687 1,654
Mortgage loans on real estate (net of allowance for credit losses of $297 and $279) [1] 18,570 18,171
Policy loans 4,191 4,158
Other equity investments [1] 3,502 3,384
Trading securities, at fair value 1,340 1,057
Other invested assets [1] 5,724 6,719
Total investments 102,620 102,173
Cash and cash equivalents [1] 10,357 8,239
Cash and securities segregated, at fair value 866 868
Broker-dealer related receivables 1,808 1,837
Deferred policy acquisition costs 6,804 6,705
Goodwill and other intangible assets, net 5,419 5,433
Amounts due from reinsurers (allowance for credit losses of $8 and $7) 8,387 8,352
Current and deferred income taxes 2,063 2,050
Purchased market risk benefits 8,337 9,427
Other assets [1] 3,618 3,323
Assets held-for-sale 745 565
Assets for market risk benefits 818 591
Separate Accounts assets 133,735 127,251
Total Assets 285,577 276,814
LIABILITIES    
Policyholders’ account balances 100,246 95,673
Liability for market risk benefits 12,814 14,612
Future policy benefits and other policyholders' liabilities 17,324 17,363
Broker-dealer related payables 1,022 1,232
Customer related payables 2,162 2,201
Amounts due to reinsurers 1,377 1,450
Short-term debt 0 254
Long-term debt 3,821 3,820
Notes issued by consolidated variable interest entities, at fair value using the fair value option [1] 1,580 1,559
Other liabilities [1] 6,511 6,088
Liabilities held-for-sale 239 153
Separate Accounts liabilities 133,735 127,251
Total Liabilities 280,831 271,656
Redeemable noncontrolling interest [1],[2] 991 770
Commitments and contingent liabilities [3]
Equity attributable to Holdings:    
Preferred stock and additional paid-in capital, $1 par value and $25,000 liquidation preference 1,562 1,562
Common stock, $0.01 par value, $2,000,000,000 shares authorized; 486,728,840 and 491,003,966 shares issued, respectively; 327,616,168 and 333,877,990 shares outstanding, respectively 5 5
Additional paid-in capital 2,322 2,328
Treasury stock, at cost, $159,108,981 and 157,125,976 shares, respectively (3,801) (3,712)
Retained earnings 10,110 10,243
Accumulated other comprehensive income (loss) (8,166) (7,777)
Total equity attributable to Holdings 2,032 2,649
Noncontrolling interest 1,723 1,739
Total Equity 3,755 4,388
Total Liabilities, Redeemable Noncontrolling Interest and Equity $ 285,577 $ 276,814
[1] See Note 2 of the Notes to these Consolidated Financial Statements for details of balances with VIEs.
[2] See Note 14 of the Notes to these Consolidated Financial Statements for details of redeemable noncontrolling interest.
[3] See Note 15 of the Notes to these Consolidated Financial Statements for details of commitments and contingent liabilities.
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Consolidated Balance Sheets (Parenthetical) - USD ($)
Mar. 31, 2024
Dec. 31, 2023
Statement of Financial Position [Abstract]    
Amortized cost of fixed maturities available-for-sale $ 75,270,000,000 $ 74,033,000,000
Allowance for credit losses of fixed maturities available-for-sale 4,000,000 4,000,000
Allowance for credit losses of mortgage loans on real estate 297,000,000 279,000,000
Allowance for credit losses of amounts due from reinsurers $ 8,000,000 $ 7,000,000
Preferred stock par value (in dollars per share) $ 1 $ 1
Preferred stock, liquidation preference $ 25,000 $ 25,000
Common stock par value (in dollars per share) $ 0.01 $ 0.01
Common stock authorized (in shares) 2,000,000,000 2,000,000,000
Common stock issued (in shares) 486,728,840 491,003,966
Common stock outstanding (in shares) 327,616,168 333,877,990
Treasury stock (in shares) 159,108,981 157,125,976
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Consolidated Statements of Income (Loss) - USD ($)
shares in Millions, $ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
REVENUES    
Policy charges and fee income $ 614 $ 588
Premiums 275 276
Net derivative gains (losses) (1,376) (841)
Net investment income (loss) 1,219 990
Investment gains (losses), net:    
Credit and intent to sell losses on available for sale debt securities and loans (20) (66)
Other investment gains (losses), net (19) (21)
Total investment gains (losses), net (39) (87)
Investment management and service fees 1,278 1,180
Other income 259 251
Total revenues 2,230 2,357
BENEFITS AND OTHER DEDUCTIONS    
Policyholders’ benefits 677 730
Remeasurement of liability for future policy benefits 1 4
Change in market risk benefits and purchased market risk benefits (1,100) 20
Interest credited to policyholders’ account balances 566 463
Compensation and benefits 620 583
Commissions and distribution-related payments 437 380
Interest expense 57 61
Amortization of deferred policy acquisition costs 172 152
Other operating costs and expenses 553 423
Total benefits and other deductions 1,983 2,816
Income (loss) from continuing operations, before income taxes 247 (459)
Income tax (expense) benefit (30) 725
Net income (loss) 217 266
Less: Net income (loss) attributable to the noncontrolling interest [1] 103 89
Net income (loss) attributable to Holdings 114 177
Less: Preferred stock dividends 14 14
Net income (loss) available to Holdings’ common shareholders, basic 100 163
Net income (loss) available to Holdings’ common shareholders, diluted $ 100 $ 163
Net income (loss) applicable to Holdings’ common shareholders per common share:    
Basic (in dollars per share) $ 0.30 $ 0.45
Diluted (in dollars per share) $ 0.30 $ 0.45
Weighted average common shares outstanding (in millions):    
Basic (in shares) 330.2 361.9
Diluted (in shares) 332.7 364.1
[1] Includes redeemable noncontrolling interest. See Note 14 of the Notes to these Consolidated Financial Statements for details of redeemable noncontrolling interest.
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Consolidated Statements of Comprehensive Income (Loss) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Statement of Comprehensive Income [Abstract]    
Net income (loss) $ 217 $ 266
Other comprehensive income (loss) net of income taxes:    
Change in unrealized gains (losses), net of reclassification adjustment (513) 1,626
Change in market risk benefits - instrument-specific credit risk 25 938
Change in liability for future policy benefits - current discount rate 98 (112)
Change in defined benefit plan related items not yet recognized in periodic benefit cost, net of reclassification adjustment 8 20
Foreign currency translation adjustment (11) 6
Total other comprehensive income (loss), net of income taxes (393) 2,478
Comprehensive income (loss) (176) 2,744
Less: Comprehensive income (loss) attributable to the noncontrolling interest 99 91
Comprehensive income (loss) attributable to Holdings $ (275) $ 2,653
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Consolidated Statements of Equity - USD ($)
$ in Millions
Total
Total Holdings Equity
Preferred Stock and Additional Paid-In Capital
Common Stock
Additional Paid-in Capital
Treasury Stock
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Non-controlling Interest
Beginning of year at Dec. 31, 2022 $ 3,141 $ 1,401 $ 1,562 $ 4 $ 2,299 $ (3,297) $ 9,825 $ (8,992) $ 1,740
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Stock compensation 42 35     11 24     7
Purchase of treasury stock (214) (214)     (3) (211)      
Reissuance of treasury stock (25) (25)         (25)    
Retirement of common stock 0 0       84 (84)    
Repurchase of AB Holding units (18)               (18)
Dividends paid to noncontrolling interest (89)               (89)
Dividends on common stock (72) (72)         (72)    
Dividends on preferred stock (14) (14)         (14)    
Net income (loss) 253 177         177   76
Other comprehensive income (loss) 2,478 2,476           2,476 2
Other (11) (10)     (9)   (1)   (1)
End of year at Mar. 31, 2023 5,471 3,754 1,562 4 2,298 (3,400) 9,806 (6,516) 1,717
Beginning of year at Dec. 31, 2023 4,388 2,649 1,562 5 2,328 (3,712) 10,243 (7,777) 1,739
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Stock compensation 44 35     16 19     9
Purchase of treasury stock (253) (253)     (2) (251)      
Reissuance of treasury stock (17) (17)         (17)    
Retirement of common stock 0 0       143 (143)    
Repurchase of AB Holding units (6)               (6)
Dividends paid to noncontrolling interest (99)               (99)
Dividends on common stock (73) (73)         (73)    
Dividends on preferred stock (14) (14)         (14)    
Net income (loss) 199 114         114   85
Other comprehensive income (loss) (393) (389)           (389) (4)
Other (21) (20)     (20)       (1)
End of year at Mar. 31, 2024 $ 3,755 $ 2,032 $ 1,562 $ 5 $ 2,322 $ (3,801) $ 10,110 $ (8,166) $ 1,723
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Consolidated Statements of Equity (Parenthetical) - $ / shares
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]    
Cash dividends declared per common share (in dollars per share) $ 0.22 $ 0.20
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Consolidated Statements of Cash Flows - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Cash flows from operating activities:    
Net income (loss) $ 217 $ 266
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:    
Interest credited to policyholders’ account balances 566 463
Policy charges and fee income (614) (588)
Net derivative (gains) losses 1,376 841
Credit and intent to sell losses on available for sale debt securities and loans 20 66
Investment (gains) losses, net 19 21
(Gains) losses on businesses held-for-sale (1) 3
Realized and unrealized (gains) losses on trading securities (37) (34)
Non-cash long term incentive compensation expense 25 17
Amortization and depreciation 240 224
Remeasurement of liability for future policy benefits 1 4
Change in market risk benefits (1,100) 20
Equity (income) loss from limited partnerships (50) (21)
Changes in:    
Net broker-dealer and customer related receivables/payables (24) (641)
Reinsurance recoverable (375) (456)
Segregated cash and securities, net 2 468
Capitalization of deferred policy acquisition costs (270) (202)
Future policy benefits 117 (95)
Current and deferred income taxes 85 (738)
Other, net (166) (205)
Net cash provided by (used in) operating activities 31 (587)
Proceeds from the sale/maturity/pre-payment of:    
Fixed maturities, available-for-sale 1,906 1,481
Fixed maturities, at fair value using the fair value option 199 30
Mortgage loans on real estate 256 81
Trading account securities 251 162
Short term investments 282 589
Other 142 211
Payment for the purchase/origination of:    
Fixed maturities, available-for-sale (3,153) (1,846)
Fixed maturities, at fair value using the fair value option (216) (41)
Mortgage loans on real estate (658) (580)
Trading account securities (504) (297)
Short term investments (258) (804)
Other (81) (231)
Cash settlements related to derivative instruments, net (1,179) (197)
Investment in capitalized software, leasehold improvements and EDP equipment (63) (18)
Other, net 394 30
Net cash provided by (used in) investing activities (2,682) (1,430)
Policyholders’ account balances:    
Deposits 4,239 4,375
Withdrawals (2,572) (2,655)
Transfers (to) from Separate Accounts 401 309
Payments of market risk benefits (202) (172)
Repayment of short-term financings (254) (8)
Change in collateralized pledged assets (171) (7)
Change in collateralized pledged liabilities 3,663 665
(Decrease) increase in overdrafts payable 46 0
Issuance of long-term debt 0 496
Proceeds from collateralized loan obligations 5 0
Dividends paid on common stock (73) (72)
Dividends paid on preferred stock (14) (14)
Purchase of AB Holding Units to fund long-term incentive compensation plan awards, net (6) (18)
Purchase of treasury shares (253) (214)
Purchases (redemptions) of noncontrolling interests of consolidated company-sponsored investment funds 203 150
Distribution to noncontrolling interest of consolidated subsidiaries (99) (89)
Change in securities lending 31 0
Other, net 1 3
Net cash provided by (used in) financing activities 4,945 2,749
Effect of exchange rate changes on cash and cash equivalents (10) 10
Change in cash and cash equivalents 2,284 742
Cash and cash equivalents, beginning of period 8,239 4,281
Change in cash of businesses held-for-sale (166) (5)
Cash and cash equivalents, end of period 10,357 5,018
Non-cash transactions from investing and financing activities:    
Right-of-use assets obtained in exchange for lease obligations $ 205 $ 10
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ORGANIZATION
3 Months Ended
Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
ORGANIZATION ORGANIZATION
Equitable Holdings, Inc. is the holding company for a diversified financial services organization. The Company conducts operations in six segments: Individual Retirement, Group Retirement, Investment Management and Research, Protection Solutions, Wealth Management and Legacy. The Company’s management evaluates the performance of each of these segments independently.
The Individual Retirement segment offers a diverse suite of variable annuity products which are primarily sold to affluent and high net worth individuals saving for retirement or seeking retirement income.
The Group Retirement segment offers tax-deferred investment and retirement services or products to plans sponsored by educational entities, municipalities and not-for-profit entities, as well as small and medium-sized businesses.
The Investment Management and Research segment provides diversified investment management, research and related solutions globally to a broad range of clients through three main client channels - Institutional, Retail and Private Wealth - and distributes its institutional research products and solutions through Bernstein Research Services. The Investment Management and Research segment reflects the business of AB Holding and ABLP and their subsidiaries (collectively, AB).
The Protection Solutions segment includes the Company’s life insurance and group employee benefits businesses. The life insurance business offers a variety of VUL, IUL and term life products to help affluent and high net worth individuals, as well as small and medium-sized business owners, with their wealth protection, wealth transfer and corporate needs. Our group employee benefits business offers a suite of life, short- and long-term disability, dental and vision insurance products to small and medium-size businesses across the United States.
The Wealth Management segment is an emerging leader in the wealth management space with a differentiated advice value proposition that offers discretionary and non-discretionary investment advisory accounts, financial planning and advice, life insurance, and annuity products.
The Legacy segment consists of our capital intensive fixed-rate GMxB business written prior to 2011.
The Company reports certain activities and items that are not included in our segments in Corporate and Other. Corporate and Other includes certain of our financing and investment expenses. It also includes closed block of life insurance (the “Closed Block”), run-off variable annuity reinsurance business, run-off group pension business, run-off health business, benefit plans for our employees, certain strategic investments and certain unallocated items, including capital and related investments, interest expense and corporate expense. AB’s results of operations are reflected in the Investment Management and Research segment. Accordingly, Corporate and Other does not include any items applicable to AB.
As of March 31, 2024 and December 31, 2023, the Company’s economic interest in AB was approximately 61%, respectively. The General Partner of AB is a wholly owned subsidiary of the Company. Because the General Partner has the authority to manage and control the business of AB, AB is consolidated in the Company’s financial statements for all periods presented.
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SIGNIFICANT ACCOUNTING POLICIES
3 Months Ended
Mar. 31, 2024
Accounting Policies [Abstract]  
SIGNIFICANT ACCOUNTING POLICIES SIGNIFICANT ACCOUNTING POLICIES
Basis of Presentation and Principles of Consolidation
The unaudited interim consolidated financial statements (the “consolidated financial statements”) have been prepared in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP” or “GAAP”) on a basis consistent with reporting interim financial information in accordance with instructions to the Form 10-Q and Article 10 of Regulation S-X of the Securities and Exchange Commission (“SEC”).
In the opinion of management, all adjustments necessary for a fair statement of the financial position and results of operations have been made. All such adjustments are of a normal, recurring nature. Interim results are not necessarily indicative of the results that may be expected for the full year. These financial statements should be read in conjunction with the Company’s consolidated financial statements included in the Annual Report on Form 10-K for the year ended December 31, 2023.
The accompanying unaudited consolidated financial statements present the consolidated results of operations, financial condition, and cash flows of the Company and its subsidiaries and those investment companies, partnerships and joint ventures in which the Company has control and a majority economic interest as well as those variable interest entities (“VIEs”) that meet the requirements for consolidation.
All significant intercompany transactions and balances have been eliminated in consolidation. The terms “first quarter 2024” and “first quarter 2023” refer to the three months ended March 31, 2024 and 2023, respectively. The terms “first three months of 2024” and “first three months of 2023” refer to the three months ended March 31, 2024 and 2023, respectively.
Future Adoption of New Accounting Pronouncements
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
ASU 2023-07: Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures
This ASU provides improvements to reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. In addition, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple measures of segment profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and contain other disclosure requirements.




The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods in fiscal years beginning after December 15, 2024. A calendar year public entity will adopt the ASU for its 2024 Form 10-K.
The ASU should be adopted retrospectively to all periods presented in the financial statements unless it is impracticable to do so.



The Company is currently assessing the additional required disclosures under the ASU including providing new segment disclosure requirements for entities with a single reportable segment.
Management is evaluating the impact the adoption of this guidance will have on the Company’s consolidated financial statements.

ASU 2023-09: Income Taxes (Topic 740): Improvements to Income Tax Disclosures
The ASU enhanced existing income tax disclosures primarily related to the rate reconciliation and income taxes paid information. With regard to the improvements to disclosures of rate reconciliation, a public business entity is required on an annual basis to (1) disclose specific categories in the rate reconciliation and (2) provide additional information for reconciling items that meet a quantitative threshold. Similarly, a public entity is required to provide the amount of income taxes paid (net of refunds received) disaggregated by (1) federal, state, and foreign taxes and by(2) individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than 5 percent of total income taxes paid (net of refunds received).
The ASU also includes certain other amendments to improve the effectiveness of income tax disclosures, for example, an entity is required to provide (1) pretax income (or loss) from continuing operations disaggregated between domestic and foreign, and (2) income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign.
The ASU will be effective for annual periods beginning after December 15, 2024. Entities are required to apply the ASU on a prospective basis.
The adoption of ASU 2023-09 is not expected to materially impact the Company’s financial position, results of operation, or cash flows.
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
SEC Release Nos. 33-11275; 34-99678, The Enhancement and Standardization of Climate-Related Disclosures for Investors
The SEC adopted rules requiring registrants to disclose climate-related information in registration statements and annual reports. The new rules include disclosure of material climate-related risks, including descriptions of board oversight and risk management activities. the material impacts of these risks on a registrant’s strategy, business model and outlook and any material climate-related targets or goals. In addition, registrants will need to quantify certain effects of severe weather events and other natural conditions in a note to their audited financial statements. In April 2024, citing litigation challenging the rules that commenced immediately after they were issued, the SEC issued an order staying applicability of the rules while judicial review proceeds.
Financial statement and all other disclosures are required at the beginning of the fiscal year 2025 with disclosures about material expenditure and impact required at the beginning of the fiscal year 2026. Disclosures are provided prospectively upon adoption. Scope 1 and Scope 2 Greenhouse gas emissions are required in 2026 with limited assurance in 2029 and reasonable assurance in 2033. Disclosures are provided prospectively upon adoption.
The Company is currently assessing the additional required disclosures under the SEC Release. Management is evaluating the impact of the adoption of this guidance will have on the Company’s consolidated financial statements.
Accounting and Consolidation of VIEs
For all new investment products and entities developed by the Company, the Company first determines whether the entity is a VIE, which involves determining an entity’s variability and variable interests, identifying the holders of the equity investment at risk and assessing the five characteristics of a VIE. Once an entity is determined to be a VIE, the Company then determines whether it is the primary beneficiary of the VIE based on its beneficial interests. If the Company is deemed to be the primary beneficiary of the VIE, the Company consolidates the entity.
Quarterly, management of the Company reviews its investment management agreements and its investments in, and other financial arrangements with, certain entities that hold client AUM to determine the entities the Company is required to consolidate under this guidance. These entities include certain mutual fund products, hedge funds, structured products, group trusts, collective investment trusts, and limited partnerships.
The analysis performed to identify variable interests held, determine whether entities are VIEs or VOEs, and evaluate whether the Company has a controlling financial interest in such entities requires the exercise of judgment and is updated on a continuous basis as circumstances change or new entities are developed. The primary beneficiary evaluation generally is performed qualitatively based on all facts and circumstances, including consideration of economic interests in the VIE held directly and indirectly through related parties and entities under common control, as well as quantitatively, as appropriate.
Consolidated VIEs
Consolidated CLOs
The Company is the investment manager of certain asset-backed investment vehicles, commonly referred to as CLOs, and certain other vehicles for which the Company earns fee income for investment management services. The Company may sell or syndicate investments through these vehicles, principally as part of the strategic investing activity as part of its investment management businesses. Additionally, the Company may invest in securities issued by these vehicles which are eliminated in consolidation of the CLOs.
As of March 31, 2024 and December 31, 2023, respectively, Equitable Financial holds $110 million and $113 million of equity interests in the CLOs. The Company consolidated the CLOs as of March 31, 2024 and December 31, 2023 as it is the primary beneficiary due to the combination of both its equity interest held by Equitable Financial and the majority ownership of AB, which functions as the CLOs loan manager. The assets of the CLOs are legally isolated from the Company’s creditors and can only be used to settle obligations of the CLOs. The liabilities of the CLOs are non-recourse to the Company and the Company has no obligation to satisfy the liabilities of the CLOs. As of March 31, 2024, Equitable Financial holds $24 million of equity interests in a SPE established to purchase loans from the market in anticipation of a new CLO transaction. The Company consolidated the SPE as of March 31, 2024 as it is the primary beneficiary due to the combination of both its equity interest held by Equitable Financial and the majority ownership of AB, which functions as the SPE loan manager.
Resulting from this consolidation in the Company’s consolidated balance sheets are fixed maturities, at fair value using the fair value option with total assets of $1.7 billion and $1.7 billion notes issued by consolidated variable interest entities, at fair value using the fair value option with total liabilities of $1.6 billion and $1.6 billion at March 31, 2024 and December 31, 2023, respectively. The unpaid outstanding principal balance of the notes and short-term borrowing is $1.6 billion and $1.6 billion at March 31, 2024 and December 31, 2023.
Consolidated Limited Partnerships and LLCs
As of March 31, 2024 and December 31, 2023 the Company consolidated limited partnerships and LLCs for which it was identified as the primary beneficiary under the VIE model. Included in other invested assets, mortgage loans on real estate, other equity investments, trading securities, cash and other liabilities in the Company’s consolidated balance sheets at March 31, 2024 and December 31, 2023 are total net assets of $2.5 billion and $1.8 billion, respectively related to these VIEs.
Consolidated AB-Sponsored Investment Funds
Included in the Company’s consolidated balance sheets as of March 31, 2024 and December 31, 2023 are assets of $188 million and $309 million, liabilities of $10 million and $10 million, and redeemable noncontrolling interests of $104 million and $203 million, respectively, associated with the consolidation of AB-sponsored investment funds under the VIE model. Also included in the Company’s consolidated balance sheets as of March 31, 2024 and December 31, 2023 are assets of $129 million and $121 million, liabilities of $4 million and $3 million, and redeemable noncontrolling interests of $21 million and $7 million, respectively, from consolidation of AB-sponsored investment funds under the VOE model.
Non-Consolidated VIEs
As of March 31, 2024 and December 31, 2023 respectively, the Company held approximately $2.7 billion and $2.6 billion of investment assets in the form of equity interests issued by non-corporate legal entities determined under the guidance to be VIEs, such as limited partnerships and limited liability companies, including CLOs, hedge funds, private equity funds and real estate-related funds. The Company continues to reflect these equity interests in the consolidated balance sheets as other equity investments and applies the equity method of accounting for these positions. The net assets of these non-consolidated VIEs are approximately $273.1 billion and $268.6 billion as of March 31, 2024 and December 31, 2023 respectively. The Company’s maximum exposure to loss from its direct involvement with these VIEs is the carrying value of its investment of $2.7 billion and $2.6 billion and approximately $1.3 billion and $1.3 billion of unfunded commitments as of March 31, 2024 and December 31, 2023, respectively. The Company has no further economic interest in these VIEs in the form of guarantees, derivatives, credit enhancements or similar instruments and obligations.
Non-Consolidated AB-Sponsored Investment Products
As of March 31, 2024 and December 31, 2023, the net assets of investment products sponsored by AB that are non-consolidated VIEs are approximately $65.5 billion and $54.6 billion, respectively. The Company’s maximum exposure to loss from its direct involvement with these VIEs is its investment of $22 million and $10 million as of March 31, 2024 and December 31, 2023. The Company has no further commitments to or economic interest in these VIEs.
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INVESTMENTS
3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
INVESTMENTS INVESTMENTS
Fixed Maturities AFS
The components of fair value and amortized cost for fixed maturities classified as AFS on the consolidated balance sheets excludes accrued interest receivable because the Company elected to present accrued interest receivable within other assets. Accrued interest receivable on AFS fixed maturities as of March 31, 2024 and December 31, 2023 was $643 million and $626 million, respectively. There was no accrued interest written off for AFS fixed maturities for the three months ended March 31, 2024 and 2023.
The following tables provide information relating to the Company’s fixed maturities classified as AFS:
AFS Fixed Maturities by Classification
 
Amortized CostAllowance for Credit Losses Gross Unrealized GainsGross Unrealized LossesFair Value
 
 (in millions)
March 31, 2024
Fixed Maturities:
Corporate (1)$49,975 $4 $252 $5,865 $44,358 
U.S. Treasury, government and agency
5,759   1,264 4,495 
States and political subdivisions586  6 79 513 
Foreign governments
711  2 122 591 
Residential mortgage-backed (2)2,678  10 148 2,540 
Asset-backed (3)11,852  60 85 11,827 
Commercial mortgage-backed3,653  4 434 3,223 
Redeemable preferred stock56  3  59 
Total at March 31, 2024$75,270 $4 $337 $7,997 $67,606 
December 31, 2023:
Fixed Maturities:
Corporate (1)
$49,786 $$320 $5,360 $44,742 
U.S. Treasury, government and agency
5,735 — 1,106 4,631 
States and political subdivisions
614 — 74 549 
Foreign governments
719 — 111 611 
Residential mortgage-backed (2)2,470 — 18 133 2,355 
Asset-backed (3)11,058 — 52 109 11,001 
Commercial mortgage-backed3,595 — 515 3,082 
Redeemable preferred stock 56 — — 59 
Total at December 31, 2023$74,033 $$409 $7,408 $67,030 
______________
(1)Corporate fixed maturities include both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
The contractual maturities of AFS fixed maturities as of March 31, 2024 are shown in the table below. Bonds not due at a single maturity date have been included in the table in the final year of maturity. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or pre-payment penalties.
Contractual Maturities of AFS Fixed Maturities
 Amortized Cost (Less Allowance for Credit Losses)Fair Value
 (in millions)
March 31, 2024
Contractual maturities:
Due in one year or less$1,898 $1,877 
Due in years two through five14,627 14,108 
Due in years six through ten16,210 15,013 
Due after ten years24,292 18,959 
Subtotal57,027 49,957 
Residential mortgage-backed2,678 2,540 
Asset-backed11,852 11,827 
Commercial mortgage-backed3,653 3,223 
Redeemable preferred stock 56 59 
Total at March 31, 2024$75,266 $67,606 

The following table shows proceeds from sales, gross gains (losses) from sales and allowance for credit losses for AFS fixed maturities:
Proceeds from Sales, Gross Gains (Losses) from Sales and Allowance for Credit and Intent to Sell Losses for AFS Fixed Maturities

 
Three Months Ended March 31,
 
20242023
 
(in millions)
Proceeds from sales$444 $825 
Gross gains on sales$ $
Gross losses on sales$(24)$(26)
Net (increase) decrease in Allowance for Credit and Intent to Sell losses $(2)$(56)

The following table sets forth the amount of credit loss impairments on AFS fixed maturities held by the Company at the dates indicated and the corresponding changes in such amounts:
AFS Fixed Maturities - Credit and Intent to Sell Loss Impairments
Three Months Ended March 31,
20242023
(in millions)
Balance, beginning of period$48 $36 
Previously recognized impairments on securities that matured, paid, prepaid or sold(4)(3)
Recognized impairments on securities impaired to fair value this period (1) (2) 52 
Credit losses recognized this period on securities for which credit losses were not previously recognized3 
Additional credit losses this period on securities previously impaired1 
Balance, end of period$48 $89 
______________
(1)Represents circumstances where the Company determined in the current period that it intends to sell the security, or it is more likely than not that it will be required to sell the security before recovery of the security’s amortized cost.
(2)Amounts reflected for the three months ended March 31, 2023 represent AFS fixed maturities in an unrealized loss position, which the Company intended to sell in anticipation of Equitable Financial’s ordinary dividend to Holdings.
The tables below present a roll-forward of net unrealized investment gains (losses) recognized in AOCI:
Net Unrealized Gains (Losses) on AFS Fixed Maturities
Three Months Ended March 31, 2024
Net Unrealized Gains (Losses) on InvestmentsPolicyholders’ Liabilities
Deferred Income Tax Asset (Liability) (1)
AOCI Gain (Loss) Related to Net Unrealized Investment Gains (Losses) (1)
(in millions)
Balance, beginning of period$(6,999)$50 $226 $(6,723)
Net investment gains (losses) arising during the period(683)  (683)
Reclassification adjustment:
Included in net income (loss)26   26 
Other  (3)(3)
Impact of net unrealized investment gains (losses) 13 134 147 
Net unrealized investment gains (losses) excluding credit losses(7,656)63 357 (7,236)
Net unrealized investment gains (losses) with credit losses(4) 1 (3)
Balance, end of period$(7,660)$63 $358 $(7,239)
Three Months Ended March 31, 2023
Balance, beginning of period$(9,606)$41 $440 $(9,125)
Net investment gains (losses) arising during the period1,555 — — 1,555 
Reclassification adjustment:
Included in net income (loss)80 — — 80 
Other— — 342 342 
Impact of net unrealized investment gains (losses)— (8)(342)(350)
Net unrealized investment gains (losses) excluding credit losses(7,971)33 440 (7,498)
Net unrealized investment gains (losses) with credit losses(7)— (6)
Balance, end of period$(7,978)$33 $441 $(7,504)
_____________
(1)Certain balances were revised from previously filed financial statements.

The following tables disclose the fair values and gross unrealized losses of the 4,380 issues as of March 31, 2024 and the 4,402 issues as of December 31, 2023 that are not deemed to have credit losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for the specified periods at the dates indicated:
AFS Fixed Maturities in an Unrealized Loss Position for Which No Allowance Is Recorded

Less Than 12 Months12 Months or LongerTotal
Fair ValueGross Unrealized LossesFair ValueGross Unrealized LossesFair ValueGross Unrealized Losses
(in millions)
March 31, 2024
Fixed Maturities:
Corporate$4,228 $158 $31,870 $5,702 $36,098 $5,860 
U.S. Treasury, government and agency101 2 4,320 1,262 4,421 1,264 
States and political subdivisions10  304 79 314 79 
Foreign governments56 2 487 120 543 122 
Residential mortgage-backed612 7 1,008 141 1,620 148 
Asset-backed2,087 5 1,737 80 3,824 85 
Commercial mortgage-backed48 8 2,889 426 2,937 434 
Total at March 31, 2024$7,142 $182 $42,615 $7,810 $49,757 $7,992 
December 31, 2023:
Fixed Maturities:
Corporate$2,228 $126 $33,135 $5,231 $35,363 $5,357 
U.S. Treasury, government and agency111 4,447 1,104 4,558 1,106 
States and political subdivisions10 — 300 74 310 74 
Foreign governments15 517 109 532 111 
Residential mortgage-backed210 1,044 131 1,254 133 
Asset-backed528 5,522 108 6,050 109 
Commercial mortgage-backed92 11 2,856 504 2,948 515 
Total at December 31, 2023$3,194 $144 $47,821 $7,261 $51,015 $7,405 

The Company maintains a diversified portfolio of corporate securities across industries and issuers and does not have exposure to any single issuer in excess of 0.7% of total corporate securities. The largest exposures to a single issuer of corporate securities held as of March 31, 2024 and December 31, 2023 were $317 million and $360 million, respectively, representing 8.4% and 8.2% of the consolidated equity of the Company.
Corporate high yield securities, consisting primarily of public high yield bonds, are classified as other than investment grade by the various rating agencies, i.e., a rating below Baa3/BBB- or the NAIC designation of 3 (medium investment grade), 4 or 5 (below investment grade) or 6 (in or near default). As of March 31, 2024 and December 31, 2023, respectively, approximately $3.0 billion and $2.6 billion, or 4.0% and 3.5%, of the $75.3 billion and $74.0 billion aggregate amortized cost of fixed maturities held by the Company were considered to be other than investment grade. These securities had gross unrealized losses of $127 million and $101 million as of March 31, 2024 and December 31, 2023, respectively.
As of March 31, 2024 and December 31, 2023, respectively, the $7.8 billion and $7.3 billion of gross unrealized losses of twelve months or more were primarily concentrated in corporate securities. In accordance with the policy described in Note 2 of the Notes to these Consolidated Financial Statements, the Company concluded that an adjustment to the allowance for credit losses for these securities was not warranted at either March 31, 2024 or December 31, 2023. As of March 31, 2024 and December 31, 2023, the Company did not intend to sell the securities nor was it more likely than not be required to dispose of the securities before the anticipated recovery of their remaining amortized cost basis.
Based on the Company’s evaluation both qualitatively and quantitatively of the drivers of the decline in fair value of fixed maturity securities as of March 31, 2024, the Company determined that the unrealized loss was primarily due to increases in interest rates and credit spreads.
Securities Lending
Beginning in 2023, the Company has entered into securities lending agreements with an agent bank whereby blocks of securities are loaned to third parties, primarily major brokerage firms. As of March 31, 2024 and December 31, 2023, the estimated fair value of loaned securities was $144 million and $113 million. The agreements require a minimum of 102% of the fair value of the loaned securities to be held as cash collateral, calculated daily. To further minimize the credit risks related to these programs, the financial condition of counterparties is monitored on a regular basis. As of March 31, 2024 and December 31, 2023, cash collateral received in the amount of $147 million and $116 million, was invested by the agent bank. A securities lending payable for the overnight and continuous loans is included in other liabilities in the amount of cash collateral received. Securities lending transactions are used to generate income. Income and expenses associated with these transactions are reported as net investment income and were not material for March 31, 2024 and December 31, 2023.
Mortgage Loans on Real Estate
In September 2023, the Company began investing in residential mortgage loans. Accrued interest receivable on commercial, agricultural and residential mortgage loans as of March 31, 2024 and December 31, 2023 was $85 million and $82 million, respectively. There was no accrued interest written off for commercial, agricultural and residential mortgage loans for the three months ended March 31, 2024 and 2023.
As of March 31, 2024 and December 31, 2023, the Company had one commercial mortgage loan for which foreclosure was probable. That loan has an amortized cost of $108 million and an associated allowance of $54 million.
Allowance for Credit Losses on Mortgage Loans
The change in the allowance for credit losses for commercial, agricultural and residential mortgage loans were as follows:
Three Months Ended March 31,
20242023
(in millions)
Allowance for credit losses on mortgage loans:
Commercial mortgages:
Balance, beginning of period$272 $123 
Current-period provision for expected credit losses16 10 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance16 10 
Balance, end of period$288 $133 
Agricultural mortgages:
Balance, beginning of period$6 $
Current-period provision for expected credit losses — 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance — 
Balance, end of period$6 $
Three Months Ended March 31,
20242023
(in millions)
Residential mortgages:
Balance, beginning of period$1 $— 
Current-period provision for expected credit losses2 — 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance2 — 
Balance, end of period$3 $— 
Total allowance for credit losses$297 $139 

The change in the allowance for credit losses is attributable to:
increases/decreases in the loan balance due to new originations, maturing mortgages, and loan amortization; and
changes in credit quality and economic assumptions.
Credit Quality Information
The Company’s commercial and agricultural mortgage loans segregated by risk rating exposure were as follows:
Loan to Value (“LTV”) Ratios (1) (3)
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
0% - 50%$ $308 $155 $129 $35 $1,532 $ $ $2,159 
50% - 70%195 920 1,871 670 749 2,522 517 96 7,540 
70% - 90% 240 1,197 1,144 576 1,657 62 36 4,912 
90% plus   158  949   1,107 
Total commercial$195 $1,468 $3,223 $2,101 $1,360 $6,660 $579 $132 $15,718 
Agricultural:
0% - 50%$14 $102 $160 $190 $242 $910 $ $ $1,618 
50% - 70%40 60 144 150 180 334   908 
70% - 90%     16   16 
90% plus         
Total agricultural$54 $162 $304 $340 $422 $1,260 $ $ $2,542 
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
0% - 50%$14 $410 $315 $319 $277 $2,442 $ $ $3,777 
50% - 70%235 980 2,015 820 929 2,856 517 96 8,448 
70% - 90% 240 1,197 1,144 576 1,673 62 36 4,928 
90% plus   158  949   1,107 
Total commercial and agricultural mortgage loans
$249 $1,630 $3,527 $2,441 $1,782 $7,920 $579 $132 $18,260 


Debt Service Coverage (“DSC”) Ratios (2) (3)
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
Greater than 2.0x$ $175 $693 $1,190 $1,133 $3,573 $ $ $6,764 
1.8x to 2.0x40 75  208 167 637 318 96 1,541 
1.5x to 1.8x 164 911 143  1,016 100  2,334 
1.2x to 1.5x82 612 981 427  912 79  3,093 
1.0x to 1.2x73 434 281 67  464 82 36 1,437 
Less than 1.0x 8 357 66 60 58   549 
Total commercial$195 $1,468 $3,223 $2,101 $1,360 $6,660 $579 $132 $15,718 
Agricultural:
Greater than 2.0x$8 $7 $50 $34 $59 $196 $ $ $354 
1.8x to 2.0x5 18 16 56 29 83   207 
1.5x to 1.8x2 12 49 31 110 209   413 
1.2x to 1.5x35 46 110 148 159 433   931 
1.0x to 1.2x3 47 55 67 57 307   536 
Less than 1.0x1 32 24 4 8 32   101 
Total agricultural$54 $162 $304 $340 $422 $1,260 $ $ $2,542 
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
Greater than 2.0x$8 $182 $743 $1,224 $1,192 $3,769 $ $ $7,118 
1.8x to 2.0x45 93 16 264 196 720 318 96 1,748 
1.5x to 1.8x2 176 960 174 110 1,225 100  2,747 
1.2x to 1.5x117 658 1,091 575 159 1,345 79  4,024 
1.0x to 1.2x76 481 336 134 57 771 82 36 1,973 
Less than 1.0x1 40 381 70 68 90   650 
Total commercial and agricultural mortgage loans
$249 $1,630 $3,527 $2,441 $1,782 $7,920 $579 $132 $18,260 
______________
(1)The LTV ratio is derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated annually for each mortgage loan.
(2)The DSC ratio is calculated using the most recently reported operating income results from property operations divided by annual debt service.
(3)Residential mortgage loans are excluded from the above tables.
LTV Ratios (1) (3)
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
0% - 50%$249 $164 $129 $35 $— $1,557 $— $— $2,134 
50% - 70%924 1,916 671 750 299 2,319 463 96 7,438 
70% - 90%308 1,197 1,236 523 245 1,384 37 35 4,965 
90% plus— — 66 54 92 858 — — 1,070 
Total commercial$1,481 $3,277 $2,102 $1,362 $636 $6,118 $500 $131 $15,607 
Agricultural:
0% - 50%$102 $162 $191 $235 $132 $802 $— $— $1,624 
50% - 70%60 146 152 201 58 288 — — 905 
70% - 90%— — — — — 16 — — 16 
90% plus— — — — — — — — — 
Total agricultural$162 $308 $343 $436 $190 $1,106 $— $— $2,545 
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
0% - 50%$351 $326 $320 $270 $132 $2,359 $— $— $3,758 
50% - 70%984 2,062 823 951 357 2,607 463 96 8,343 
70% - 90%308 1,197 1,236 523 245 1,400 37 35 4,981 
90% plus— — 66 54 92 858 — — 1,070 
Total commercial and agricultural mortgage loans
$1,643 $3,585 $2,445 $1,798 $826 $7,224 $500 $131 $18,152 

DSC Ratios (2) (3)
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
Greater than 2.0x$175 $693 $1,125 $1,135 $249 $3,273 $— $— $6,650 
1.8x to 2.0x— — 182 167 171 662 383 96 1,661 
1.5x to 1.8x80 1,060 234 — 162 924 — — 2,460 
1.2x to 1.5x690 687 457 — 11 838 41 — 2,724 
1.0x to 1.2x528 668 38 — 43 317 76 35 1,705 
Less than 1.0x169 66 60 — 104 — — 407 
Total commercial$1,481 $3,277 $2,102 $1,362 $636 $6,118 $500 $131 $15,607 
Agricultural:
Greater than 2.0x$$50 $36 $59 $20 $179 $— $— $351 
1.8x to 2.0x18 16 56 33 23 61 — — 207 
1.5x to 1.8x12 50 31 109 17 193 — — 412 
1.2x to 1.5x46 111 148 170 98 365 — — 938 
1.0x to 1.2x47 57 68 57 26 284 — — 539 
Less than 1.0x32 24 24 — — 98 
Total agricultural$162 $308 $343 $436 $190 $1,106 $— $— $2,545 
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
Greater than 2.0x$182 $743 $1,161 $1,194 $269 $3,452 $— $— $7,001 
1.8x to 2.0x18 16 238 200 194 723 383 96 1,868 
1.5x to 1.8x92 1,110 265 109 179 1,117 — — 2,872 
1.2x to 1.5x736 798 605 170 109 1,203 41 — 3,662 
1.0x to 1.2x575 725 106 57 69 601 76 35 2,244 
Less than 1.0x40 193 70 68 128 — — 505 
Total commercial and agricultural mortgage loans
$1,643 $3,585 $2,445 $1,798 $826 $7,224 $500 $131 $18,152 
______________
(1)The LTV ratio is derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated annually for each mortgage loan.
(2)The DSC ratio is calculated using the most recently reported operating income results from property operations divided by annual debt service.
(3)Residential mortgage loans are excluded from the above tables.
The amortized cost of residential mortgage loans by credit quality indicator and origination year was as follows:
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorTotal
(in millions)
Performance indicators:
Performing
$ $373 $139 $90 $3 $2 $607 
Nonperforming
       
Total
$ $373 $139 $90 $3 $2 $607 

December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorTotal
(in millions)
Performance indicators:
Performing
$98 $121 $74 $2 $1 $2 $298 
Nonperforming
       
Total
$98 $121 $74 $2 $1 $2 $298 
Past-Due and Nonaccrual Mortgage Loan Status
The aging analysis of past-due mortgage loans were as follows:
Age Analysis of Past Due Mortgage Loans (1)
Accruing LoansNon-accruing LoansTotal LoansNon-accruing Loans with No AllowanceInterest Income on Non-accruing Loans
Past DueCurrentTotal
30-59 Days60-89 Days90 Days or MoreTotal
(in millions)
March 31, 2024:
Mortgage loans:
Commercial$ $ $ $ $15,484 $15,484 $234 $15,718 $ $ 
Agricultural1 5 54 60 2,463 2,523 19 2,542   
Residential
    607 607  607   
Total$1 $5 $54 $60 $18,554 $18,614 $253 $18,867 $ $ 
December 31, 2023:
Mortgage loans:
Commercial$32 $— $— $32 $15,341 $15,373 $234 $15,607 $— $
Agricultural40 52 2,474 2,526 19 2,545 — — 
Residential
— — — — 298 298 — 298 — — 
Total$39 $$40 $84 $18,113 $18,197 $253 $18,450 $— $
_______________
(1)Amounts presented at amortized cost basis.
As of March 31, 2024 and December 31, 2023, the amortized cost of problem mortgage loans that had been classified as non-accrual loans were $127 million and $127 million, respectively.
Troubled Debt Restructuring
During the year ended December 31, 2023, the Company granted modification of interest rates on four commercial mortgage loans, but not to market terms and required management of excess cash. The loans have an amortized cost of $235 million and $234 million for the period ended March 31, 2024 and December 31, 2023, respectively, which represents 1.5% of total commercial mortgage loans. Two of the four loans also have term extensions of 17 months to 4 years. The impact to Investment income or gains (losses) as a result of these modifications in 2023 was not material to the consolidated financial statements. For the accounting policy pertaining to our TDRs see Note 2 of the Notes to these Consolidated Financial Statements.

There were no TDRs for the three months ended March 31, 2024.
Equity Securities
The breakdown of unrealized and realized gains and (losses) on equity securities was as follows:
Unrealized and Realized Gains (Losses) from Equity Securities
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$15 $(3)
Net investment gains (losses) recognized on securities sold during the period(1)— 
Unrealized and realized gains (losses) on equity securities $14 $(3)
Trading Securities
As of March 31, 2024 and December 31, 2023, respectively, the fair value of the Company’s trading securities was $1.3 billion and $1.1 billion. As of March 31, 2024 and December 31, 2023, respectively, trading securities included the General Account’s investment in Separate Accounts had carrying values of $53 million and $49 million.
The breakdown of net investment income (loss) from trading securities was as follows:
Net Investment Income (Loss) from Trading Securities
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$36 $35 
Net investment gains (losses) recognized on securities sold during the period1 (1)
Unrealized and realized gains (losses) on trading securities37 34 
Interest and dividend income from trading securities11 
Net investment income (loss) from trading securities$48 $39 
Fixed maturities, at fair value using the fair value option
The breakdown of net investment income (loss) from fixed maturities, at fair value using the fair value option were as follows:
Net Investment Income (Loss) from Fixed Maturities, at Fair Value using the Fair Value Option
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$(3)$
Net investment gains (losses) recognized on securities sold during the period1 (2)
Unrealized and realized gains (losses) from fixed maturities(2)
Interest and dividend income from fixed maturities5 
Net investment income (loss) from fixed maturities$3 $
Net Investment Income
The following tables provides the components of net investment income by investment type:
Three Months Ended March 31,
20242023
(in millions)
Fixed maturities$821 $715 
Mortgage loans on real estate234 177 
Other equity investments60 
Policy loans54 52 
Trading securities48 39 
Other investment income25 18 
Fixed maturities, at fair value using the fair value option3 
Gross investment income (loss)1,245 1,016 
Investment expenses(26)(26)
Net investment income (loss)$1,219 $990 
Investment Gains (Losses), Net
Investment gains (losses), net, including changes in the valuation allowances and credit losses were as follows:
Three Months Ended March 31,
20242023
(in millions)
Fixed maturities$(26)$(80)
Mortgage loans on real estate(18)(10)
Other5 
Investment gains (losses), net$(39)$(87)

For the three months ended March 31, 2024 and 2023, respectively, investment results passed through to certain participating group annuity contracts as interest credited to policyholders’ account balances totaled $0 million and $0 million .
v3.24.1.u1
DERIVATIVES
3 Months Ended
Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
DERIVATIVES DERIVATIVES
The Company uses derivatives as part of its overall asset/liability risk management primarily to reduce exposures to equity market and interest rate risks. Derivative hedging strategies are designed to reduce these risks from an economic perspective and are all executed within the framework of a “Derivative Use Plan” approved by applicable states’ insurance law. Derivatives are generally not accounted for using hedge accounting, with the exception of TIPS and cash flow hedges, which are discussed further below. Operation of these hedging programs is based on models involving numerous estimates and assumptions, including, among others, mortality, lapse, surrender and withdrawal rates, election rates, fund performance, market volatility and interest rates. A wide range of derivative contracts are used in these hedging programs, including exchange traded equity, currency and interest rate futures contracts, total return and/or other equity swaps, interest rate swap and floor contracts, bond and bond-index total return swaps, swaptions, variance swaps and equity options, credit and foreign exchange derivatives, as well as bond and repo transactions to support the hedging. The derivative contracts are collectively managed in an effort to reduce the economic impact of unfavorable changes in guaranteed benefits’ exposures attributable to movements in capital markets. In addition, as part of its hedging strategy, the Company targets an asset level for all variable annuity products at or above a CTE98 level under most economic scenarios (CTE is a statistical measure of tail risk which quantifies the total asset requirement to sustain a loss if an event outside a given probability level has occurred. CTE98 denotes the financial resources a company would need to cover the average of the worst 2% of scenarios.)
Derivatives Utilized to Hedge Exposure to Variable Annuities with Guarantee Features
The Company has issued and continues to offer variable annuity products with GMxB features which are accounted for as MRBs. The risk associated with the GMDB feature is that under-performance of the financial markets could result in GMDB benefits, in the event of death, being higher than what accumulated policyholders’ account balances would support. The risk associated with the GMIB feature is that under-performance of the financial markets could result in the present value of GMIB, in the event of annuitization, being higher than what accumulated policyholders’ account balances would support, taking into account the relationship between current annuity purchase rates and the GMIB guaranteed annuity purchase rates. The risk associated with products that have a GMxB feature and are accounted for as MRBs is that under-performance of the financial markets could result in the GMxB features benefits being higher than what accumulated policyholders’ account balances would support.
For GMxB features, the Company retains certain risks including basis, credit spread, and some volatility risk and risk associated with actual experience versus expected actuarial assumptions for mortality, lapse and surrender, withdrawal and policyholder election rates, among other things. The derivative contracts are managed to correlate with changes in the value of the GMxB features that result from financial markets movements. A portion of exposure to realized equity volatility is hedged using equity options and variance swaps and a portion of exposure to credit risk is hedged using total return swaps on fixed income indices. Additionally, the Company is party to total return swaps for which the reference U.S. Treasury securities are contemporaneously purchased from the market and sold to the swap counterparty. As these transactions result in a transfer of control of the U.S. Treasury securities to the swap counterparty, the Company derecognizes these securities with consequent gain or loss from the sale. The Company has also purchased reinsurance contracts to mitigate the risks associated with GMDB features and the impact of potential market fluctuations on future policyholder elections of GMIB features contained in certain annuity contracts issued by the Company. The reinsurance of these features is accounted for as purchased MRBs. In addition, on June 1, 2021, we ceded legacy variable annuity policies sold by Equitable Financial between 2006-2008 (the “Block”), comprised of non-New York “Accumulator” policies containing fixed rate GMIB and/or GMDB guarantees to CS Life. As this contract provides full risk transfer and thus has the same risk attributes as the underlying direct contracts, the benefits of this treaty are accounted for in the same manner as the underlying gross reserves and therefore the amounts due from reinsurers related to the GMIB with NLG are accounted for as purchased MRBs.
The Company has in place an economic hedge program using U.S. Treasury futures to partially protect the overall profitability of future variable annuity sales against declining interest rates.
Derivatives Utilized to Hedge Crediting Rate Exposure on SCS, SIO, MSO and IUL Products/Investment Options
The Company hedges crediting rates in the SCS variable annuity, SIO in the EQUI-VEST variable annuity series, MSO in the variable life insurance products and IUL insurance products. These products permit the contract owner to participate in the performance of an index, ETF or commodity price movement up to a cap for a set period of time. They also contain a protection feature, in which the Company will absorb, up to a certain percentage, the loss of value in an index, ETF or commodity price, which varies by product segment.
In order to support the returns associated with these features, the Company enters into derivative contracts whose payouts, in combination with fixed income investments, emulate those of the index, ETF or commodity price, subject to caps and buffers, thereby substantially reducing any exposure to market-related earnings volatility.
Derivatives Used to Hedge Equity Market Risks Associated with the General Account’s Seed Money Investments in Retail Mutual Funds
The Company’s General Account seed money investments in retail mutual funds expose us to market risk, including equity market risk which is partially hedged through equity-index futures contracts to minimize such risk.
Derivatives Used for General Account Investment Portfolio
The Company purchased CDS to mitigate its exposure to a reference entity through cash positions. These positions do not replicate credit spreads.
The Company purchased 30-year TIPS and other sovereign bonds, both inflation linked and non-inflation linked, as General Account investments and enters into asset or cross-currency basis swaps, to result in payment of the given bond’s coupons and principal at maturity in the bond’s specified currency to the swap counterparty in return for fixed dollar amounts. These swaps, when considered in combination with the bonds, together result in a net position that is intended to replicate a dollar-denominated fixed-coupon cash bond with a yield higher than a term-equivalent U.S. Treasury bond.
Derivatives Utilized to Hedge Exposure to Foreign Currency Denominated Cash Flows
The Company purchases private placement debt securities and issues funding agreements in the FABN program in currencies other than its functional U.S. dollar currency. The Company enters into cross currency swaps with external counterparties to hedge the exposure of the foreign currency denominated cash flows of these instruments. The foreign currency received from or paid to the cross currency swap counterparty is exchanged for fixed U.S. dollar amounts with improved net investment yields or net product costs over equivalent U.S. dollar denominated instruments issued at that time. The transactions are accounted for as cash flow hedges when they are designated in hedging relationships and qualify for hedge accounting.
These cross currency swaps are for the period the foreign currency denominated private placement debt securities and funding agreement are outstanding, with the longest cross currency swap expiring in 2033. Since these cross currency swaps are designated and qualify as cash flow hedges, the corresponding interest accruals are recognized in net investment income and in interest credited to policyholders’ account balances.
The tables below present quantitative disclosures about the Company’s derivative instruments designated in hedging relationships and derivative instruments which have not been designated in hedging relationships, including those embedded in other contracts required to be accounted for as derivative instruments.
The following table presents the gross notional amount and fair value of the Company’s derivatives:

Derivative Instruments by Category
March 31, 2024December 31, 2023
  Fair ValueFair Value
  Notional Amount Derivative Assets Derivative Liabilities
Net Derivatives
Notional AmountDerivative AssetsDerivative Liabilities
Net Derivatives
(in millions)
Derivatives: designated for hedge accounting (1)
 Cash flow hedges:
 Currency swaps $2,373 $82 $96 $(14)$2,358 $79 $90 $(11)
 Interest swaps952  323 (323)952 — 311 (311)
 Total: designated for hedge accounting 3,325 82 419 (337)3,310 79 401 (322)
Derivatives: not designated for hedge accounting (1)
Equity contracts:
Futures 9,269  1 (1)7,877 — (4)
Swaps 16,365 60 11 49 15,021 53 10 43 
Options60,035 16,560 3,797 12,763 53,927 13,213 3,129 10,084 
Interest rate contracts:
Futures8,638    8,094 — — — 
Swaps2,887 26 19 7 2,887 118 116 
Credit contracts:
Credit default swaps185 8 5 3 242 
Currency contracts:
Currency swaps840 4 1 3 823 — 27 (27)
Currency forwards17 13 13  36 20 21 (1)
Other freestanding contracts:
Margin 511  511 — 468 — 468 
Collateral 215 12,157 (11,942)— 75 9,232 (9,157)
Total: not designated for hedge accounting98,236 17,397 16,004 1,393 88,907 13,956 12,431 1,525 
Embedded derivatives:
SCS, SIO, MSO and IUL indexed features (2)  13,758 (13,758)— — 10,745 (10,745)
Total embedded derivatives  13,758 (13,758)— — 10,745 (10,745)
Total derivative instruments$101,561 $17,479 $30,181 $(12,702)$92,217 $14,035 $23,577 $(9,542)
______________
(1)Reported in other invested assets in the consolidated balance sheets.
(2)Reported in policyholders’ account balances in the consolidated balance sheets.
The following table presents the effects of derivative instruments on the consolidated statements of income and comprehensive income (loss):
Derivative Instruments by Category
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Net Derivatives Gain (Losses) (1)Net Investment Income
Interest Credited To Policyholders
Account Balances
AOCINet Derivatives Gain (Losses) (1)Net Investment IncomeInterest Credited To Policyholders Account BalancesAOCI
(in millions)
Derivatives: designated for hedge accounting
Cash flow hedges:
Currency swaps$ $3 $(18)$16 $$$(34)$25 
Interest swaps 3  (7)(4)— — (28)
Total: designated for hedge accounting 6 (18)9 (34)(3)
Derivatives: not Designated for hedge accounting
Equity contracts:
Futures241    (143)— — — 
Swaps(1,115)   (605)— — — 
Options2,795    1,501 — — — 
Interest rate contracts:
Futures(9)   (22)— — — 
Swaps(164)   48 — — — 
Credit contracts:
Credit default swaps(1)   (2)— — — 
Currency contracts:
Currency swaps12    (10)— — — 
Currency forwards1    — — — — 
Other freestanding contracts:
Margin    — — — — 
Collateral    — — — — 
Total: not designated for hedge accounting1,760    767 — — — 
Embedded derivatives:
SCS, SIO,MSO and IUL indexed features(3,136)   (1,611)— — — 
Total embedded derivatives(3,136)   (1,611)— — — 
Total derivative instruments$(1,376)$6 $(18)$9 $(841)$$(34)$(3)
______________
(1)Reported in net derivative gains (losses) in the consolidated statements of income (loss).
The following table presents a roll-forward of cash flow hedges recognized in AOCI:
Roll-forward of Cash flow hedges in AOCI
Three Months Ended March 31,
20242023
(in millions)
Balance, beginning of period $(29)$22 
Amount recorded in AOCI
Currency swaps (7)
Interest swaps(8)(37)
Total amount recorded in AOCI(8)(44)
Amount reclassified from (to) income to AOCI
Currency swaps (1)16 32 
Interest swaps (1)1 
Total amount reclassified from (to) income to AOCI
17 41 
Balance, end of period (2)$(20)$19 
_______________
(1)    Currency swaps income is reported in net investment income in the consolidated statements of income (loss). Interest swaps income is reported in net derivative gains (losses) in the consolidated statements of income (loss).
(2)    The Company does not estimate the amount of the deferred losses in AOCI at March 31, 2024, 2023 and 2022 which will be released and reclassified into net income (loss) over the next 12 months as the amounts cannot be reasonably estimated.
Equity-Based and Treasury Futures Contracts Margin
All outstanding equity-based and treasury futures contracts as of March 31, 2024 and December 31, 2023 are exchange-traded and net settled daily in cash. As of March 31, 2024 and December 31, 2023, respectively, the Company had open exchange-traded futures positions on: (i) the S&P 500, Nasdaq, Russell 2000 and Emerging Market indices, having initial margin requirements of $399 million and $369 million, (ii) the 2-year, 5-year and 10-year U.S. Treasury Notes on U.S. Treasury bonds and ultra-long bonds, having initial margin requirements of $132 million and $120 million, and (iii) the Euro Stoxx, FTSE 100, Topix, ASX 200 and EAFE indices as well as corresponding currency futures on the Euro/U.S. dollar, Pound/U.S. dollar, Australian dollar/U.S. dollar, and Yen/U.S. dollar, having initial margin requirements of $13 million and $14 million.
Collateral Arrangements
The Company generally has executed a CSA under the ISDA Master Agreement it maintains with each of its OTC derivative counterparties that requires both posting and accepting collateral either in the form of cash or high-quality securities, such as U.S. Treasury securities, U.S. government and government agency securities and investment grade corporate bonds. The Company nets the fair value of all derivative financial instruments with counterparties for which an ISDA Master Agreement and related CSA have been executed. As of March 31, 2024 and December 31, 2023, respectively, the Company held $12.2 billion and $9.2 billion in cash and securities collateral delivered by trade counterparties, representing the fair value of the related derivative agreements. The unrestricted cash collateral is reported in other invested assets. The Company posted collateral of $215 million and $75 million as of March 31, 2024 and December 31, 2023, respectively, in the normal operation of its collateral arrangements. The Company is exposed to losses in the event of non-performance by counterparties to financial derivative transactions with a positive fair value. The Company manages credit risk by: (i) entering into derivative transactions with highly rated major international financial institutions and other creditworthy counterparties governed by master netting agreements, as applicable; (ii) trading through central clearing and OTC parties; (iii) obtaining collateral, such as cash and securities, when appropriate; and (iv) setting limits on single party credit exposures which are subject to periodic management review.
Substantially all of the Company’s derivative agreements have zero thresholds which require daily full collateralization by the party in a liability position. In addition, certain of the Company’s derivative agreements contain credit-risk related contingent features; if the credit rating of one of the parties to the derivative agreement is to fall below a certain level, the party with positive fair value could request termination at the then fair value or demand immediate full collateralization from the party whose credit rating fell and is in a net liability position.
As of March 31, 2024 and December 31, 2023, there were no net liability derivative positions with counterparties with credit risk-related contingent features whose credit rating has fallen. All derivatives have been appropriately collateralized by the Company or the counterparty in accordance with the terms of the derivative agreements.
The following tables present information about the Company’s offsetting of financial assets and liabilities and derivative instruments:
Offsetting of Financial Assets and Liabilities and Derivative Instruments
As of March 31, 2024

Gross Amount RecognizedGross Amount Offset in the Balance SheetsNet Amount Presented in the Balance SheetsGross Amount not Offset in the Balance Sheets (3)Net Amount
(in millions)
Assets:
Derivative assets (1)$17,481 $13,904 $3,577 $(2,516)$1,061 
Secured lending
147  147  147 
Other financial assets2,000  2,000  2,000 
Other invested assets$19,628 $13,904 $5,724 $(2,516)$3,208 
Liabilities:
Derivative liabilities (2)$13,906 $13,904 $2 $ $2 
Secured lending
147  $147  147 
Other financial liabilities6,362  6,362  6,362 
Other liabilities$20,415 $13,904 $6,511 $ $6,511 
______________
(1)Excludes Investment Management and Research segment’s derivative assets of consolidated VIEs/VOEs.
(2)Excludes Investment Management and Research segment’s derivative liabilities of consolidated VIEs/VOEs.
(3)Financial instruments/collateral sent (held).
As of December 31, 2023

Gross Amount RecognizedGross Amount Offset in the Balance SheetsNet Amount Presented in the Balance SheetsGross Amount not Offset in the Balance Sheets (3)Net Amount
(in millions)
Assets:
Derivative assets (1)$14,036 $9,543 $4,493 $(3,254)$1,239 
Secured Lending
$116 $— $116 $— $116 
Other financial assets2,110 — 2,110 — 2,110 
Other invested assets$16,262 $9,543 $6,719 $(3,254)$3,465 
Liabilities:
Derivative liabilities (2)$9,579 $9,543 $36 $— $36 
Secured Lending
$116 $— $116 $— $116 
Other financial liabilities5,936 — 5,936 — 5,936 
Other liabilities$15,631 $9,543 $6,088 $— $6,088 
______________
(1)Excludes Investment Management and Research segment’s derivative assets of consolidated VIEs/VOEs.
(2)Excludes Investment Management and Research segment’s derivative liabilities of consolidated VIEs/VOEs.
(3)Financial instruments sent (held).
v3.24.1.u1
CLOSED BLOCK
3 Months Ended
Mar. 31, 2024
Closed Block Disclosure [Abstract]  
CLOSED BLOCK CLOSED BLOCK
As a result of demutualization, the Company’s Closed Block was established in 1992 for the benefit of certain individual participating policies that were in force on that date. Assets, liabilities and earnings of the Closed Block are specifically identified to support its participating policyholders.
Assets allocated to the Closed Block insure solely to the benefit of the Closed Block policyholders and will not revert to the benefit of the Company. No reallocation, transfer, borrowing or lending of assets can be made between the Closed Block and other portions of the Company’s General Account, any of its Separate Accounts or any affiliate of the Company without the approval of the New York State Department of Financial Services (the “NYDFS”). Closed Block assets and liabilities are carried on the same basis as similar assets and liabilities held in the General Account. For more information on the Closed Block, see Note 6 to the Company's consolidated financial statements included in the Annual Report on Form 10-K for the year ended December 31, 2023.
Summarized financial information for the Company’s Closed Block is as follows:
 March 31, 2024December 31, 2023
(in millions)
Closed Block Liabilities:
Future policy benefits, policyholders’ account balances and other$5,390 $5,461 
Other liabilities69 57 
Total Closed Block liabilities5,459 5,518 
Assets Designated to the Closed Block:
Fixed maturities AFS, at fair value (amortized cost of $2,949 and $2,945) (allowance for credit losses of $0 and $0)
2,784 2,800 
Mortgage loans on real estate (net of allowance for credit losses of $13 and $13)
1,550 1,612 
Policy loans541 554 
Cash and other invested assets63 58 
Other assets163 150 
Total assets designated to the Closed Block5,101 5,174 
Excess of Closed Block liabilities over assets designated to the Closed Block358 344 
Amounts included in AOCI:
Net unrealized investment gains (losses), net of policyholders’ dividend obligation: $0 and $0; and net of income tax: $35 and $31
(130)(115)
Maximum future earnings to be recognized from Closed Block assets and liabilities$228 $229 
The Company’s Closed Block revenues and expenses were as follows:
Three Months Ended March 31,
20242023
(in millions)
Revenues:
Premiums and other income$29 $30 
Net investment income (loss)52 51 
Investment gains (losses), net(1)— 
Total revenues80 81 
Benefits and Other Deductions:
Policyholders’ benefits and dividends77 83 
Total benefits and other deductions77 83 
Net income (loss), before income taxes3 (2)
Income tax (expense) benefit(1)(1)
Net income (loss)$2 $(3)
v3.24.1.u1
DAC AND OTHER DEFERRED ASSETS/LIABILITIES
3 Months Ended
Mar. 31, 2024
Contract Holder Bonus Interest Credits [Abstract]  
DAC AND OTHER DEFERRED ASSETS/LIABILITIES DAC AND OTHER DEFERRED ASSETS/LIABILITIES
The following table presents a reconciliation of DAC to the consolidated balance sheets:
March 31,December 31,
20242023
(in millions)
Protection Solutions
Term$331 $337 
Universal Life
174 174 
Variable Universal Life
1,009 987 
Indexed Universal Life
187 188 
Individual Retirement
GMxB Core
1,604 1,602 
EQUI-VEST Individual
154 155 
Investment Edge180 172 
SCS1,655 1,571 
Legacy Segment
GMxB Legacy546 555 
Group Retirement
EQUI-VEST Group
747 742 
Momentum80 82 
Corporate and Other
114 116 
Other
23 24 
Total$6,804 $6,705 

Annually, or as circumstances warrant, we review the associated decrements assumptions (i.e., mortality and lapse) based on our multi-year average of companies experience with actuarial judgements to reflect other observable industry trends. In addition to DAC, the unearned revenue liability and sales inducement asset (“SIA”) use similar techniques and quarterly update processes for balance amortization.
Changes in the DAC asset were as follows:
Three Months Ended March 31, 2024
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG MomentumCB (1)
(in millions)
Balance, beginning of period$337 $174 $987 $188 $1,602 $155 $172 $1,571 $555 $742 $82 $116 $6,681 
Capitalization 4 3 37 2 39 2 12 148 7 15 2  271 
Amortization (2)(10)(3)(15)(3)(37)(3)(4)(64)(16)(10)(4)(2)(171)
Balance, end of period$331 $174 $1,009 $187 $1,604 $154 $180 $1,655 $546 $747 $80 $114 $6,781 
______________
(1)“CB” defined as Closed Block.
(2)DAC amortization of $1 million related to Other not reflected in table above.

Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG Momentum
CB
(in millions)
Balance, beginning of period$362 $179 $889 $185 $1,625 $156 $148 $1,279 $593 $710 $89 $127 $6,342 
Capitalization35 19 11 101 16 — 202 
Amortization (1)
(10)(3)(14)(3)(35)(3)(3)(47)(16)(10)(5)(3)(152)
Balance, end of period$356 $177 $910 $185 $1,609 $156 $156 $1,333 $583 $716 $87 $124 $6,392 
Changes in the Individual Retirement sales inducement assets were as follows:
Three Months Ended March 31,
20242023
GMxB CoreGMxB LegacyGMxB CoreGMxB Legacy
(in millions)
Balance, beginning of period$127 $179 $137 $200 
Capitalization1  — — 
Amortization(3)(5)(3)(5)
Balance, end of period$125 $174 $134 $195 
Changes in the Protection Solutions unearned revenue liability were as follows:
Three Months Ended March 31,
20242023
ULVULIULULVULIUL
(in millions)
Balance, beginning of period$107 $754 $210 $95 $684 $157 
Capitalization4 32 14 27 17 
Amortization(2)(12)(3)(2)(10)(3)
Balance, end of period$109 $774 $221 $98 $701 $171 
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS
The following table reconciles the net liability for future policy benefits and liability of death benefits to the liability for future policy benefits in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Reconciliation
Term$1,316 $1,348 
Individual Retirement - Payout820 844 
Legacy - Payout3,767 3,620 
Group Pension - Benefit Reserve & DPL473 490 
Health1,450 1,505 
UL1,194 1,193 
Subtotal9,020 9,000 
  Whole Life Closed Block and Open Block products5,384 5,444 
Other (1)948 970 
Future policyholder benefits total15,352 15,414 
  Other policyholder funds and dividends payable1,972 1,949 
Total$17,324 $17,363 
_____________
(1)Primarily consists of future policy benefits related to Protective Life and Annuity, Assumed Life and Disability, Group Life Run off, Variable Interest Sensitive Life rider and Employee Benefits.
The following table summarizes balances and changes in the liability for future policy benefits for nonparticipating traditional and limited pay contracts:
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Net Premiums
Balance, beginning of period$2,133 $ $ $ $(21)$2,100 $— $— $— $(5)
Beginning balance at original discount rate2,058    (22)2,078 — — — (5)
Effect of changes in cash flow assumptions(18)    — — — — 
Effect of actual variances from expected experience(18)   1 — — — (6)
Adjusted beginning of period balance2,022    (21)2,089 — — — (11)
Issuances11     15 — — — — 
Interest accrual25     25 — — — — 
Net premiums collected(49)   1 (51)— — — 
Ending Balance at original discount rate2,009    (20)2,078 — — — (10)
Effect of changes in discount rate assumptions17    1 82 — — — — 
Balance, end of period$2,026 $ $ $ $(19)$2,160 $— $— $— $(10)
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Future Policy Benefits
Balance, beginning of period$3,480 $844 $3,620 $490 $1,484 $3,465 $828 $2,689 $523 $1,553 
Beginning balance of original discount rate3,330 840 3,840 536 1,672 3,391 845 3,024 583 1,795 
Effect of changes in cash flow assumptions(20)(1)   — — — — 
Effect of actual variances from expected experience(23)(1)(2)1 1 — (1)(7)
Adjusted beginning of period balance3,287 838 3,838 537 1,673 3,404 846 3,024 582 1,788 
Issuances12 11 269   16 15 222 — — 
Interest accrual41 10 35 5 14 42 10 21 15 
Benefits payments(64)(23)(89)(16)(41)(95)(23)(65)(17)(33)
Ending Balance at original discount rate3,276 836 4,053 526 1,646 3,367 848 3,202 570 1,770 
Effect of changes in discount rate assumptions65 (16)(286)(53)(215)164 (258)(48)(197)
Balance, end of period$3,341 $820 $3,767 $473 $1,431 $3,531 $854 $2,944 $522 $1,573 
Impact of flooring LFPB at zero1     — — — — — 
Net liability for future policy benefits$1,316 820 3,767 473 1,450 1,371 854 2,944 522 1,583 
Less: Reinsurance recoverable24 (1)(1,068) (1,147)27 — (589)— (1,258)
Net liability for future policy benefits, after reinsurance recoverable$1,340 $819 $2,699 $473 $303 $1,398 $854 $2,355 $522 $325 
Weighted-average duration of liability for future policyholder benefits (years)6.99.37.67.08.67.09.47.97.18.7
The following table provides the amount of undiscounted and discounted expected gross premiums and expected future benefits and expenses related to nonparticipating traditional and limited payment contracts:
March 31, 2024December 31, 2023
(in millions)
Term
Expected future benefit payments and expenses (undiscounted)$5,768 $5,878 
Expected future gross premiums (undiscounted)
6,900 6,979 
Expected future benefit payments and expenses (discounted; AOCI basis)3,341 3,480 
Expected future gross premiums (discounted; AOCI basis)3,738 3,879 
March 31, 2024December 31, 2023
(in millions)
Payout - Legacy
Expected future benefit payments and expenses (undiscounted)5,530 5,204 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)3,682 3,538 
Expected future gross premiums (discounted; AOCI basis) — 
Payout
Expected future benefit payments and expenses (undiscounted)1,414 1,426 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)786 812 
Expected future gross premiums (discounted; AOCI basis) — 
Group Pension
Expected future benefit payments and expenses (undiscounted)654 668 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)454 471 
Expected future gross premiums (discounted; AOCI basis) — 
Health
Expected future benefit payments and expenses (undiscounted)2,278 2,318 
Expected future gross premiums (undiscounted)
82 85 
Expected future benefit payments and expenses (discounted; AOCI basis)1,415 1,468 
Expected future gross premiums (discounted; AOCI basis)$64 $68 
The table below summarizes the revenue and interest related to nonparticipating traditional and limited payment contracts:
Three Months Ended March 31,
2024202320242023
Gross PremiumInterest Accretion
(in millions)
Revenue and Interest Accretion
Term$88 $70 $16 $17 
Payout - Legacy59 27 39 21 
Payout9 15 10 10 
Group Pension — 5 
Health3 14 15 
Total$159 $114 $84 $68 
The following table provides the weighted average interest rates for the liability for future policy benefits:
March 31, 2024December 31, 2023
Weighted Average Interest Rate
Term
Interest accretion rate5.6 %5.6 %
Current discount rate5.1 %4.8 %
Payout - Legacy
Interest accretion rate4.1 %4.0 %
Current discount rate5.1 %4.9 %
Payout
Interest accretion rate5.0 %5.0 %
Current discount rate5.2 %4.9 %
Group Pension
Interest accretion rate3.3 %3.3 %
Current discount rate5.1 %4.8 %
Health
Interest accretion rate3.4 %3.4 %
Current discount rate5.2 %4.9 %
The following table provides the balance, changes in and the weighted average durations of the additional insurance liabilities:
Three Months Ended March 31,
20242023
Protection Solutions
UL
(Dollars in millions)
Balance, beginning of period$1,193 $1,109 
Beginning balance before AOCI adjustments1,230 1,135 
Effect of changes in interest rate & cash flow assumptions and model changes — 
Effect of actual variances from expected experience1 
Adjusted beginning of period balance1,231 1,141 
Interest accrual14 13 
Net assessments collected18 18 
Benefit payments(21)(18)
Ending balance before shadow reserve adjustments1,242 1,154 
Effect of reserve adjustment recorded in AOCI(48)(21)
Balance, end of period$1,194 $1,133 
Net liability for additional liability $1,194 $1,133 
Less: Reinsurance recoverable — 
Net liability for additional liability, after reinsurance recoverable$1,194 $1,133 
Weighted-average duration of additional liability - death benefit (years)19.721.6
The following tables provide the revenue, interest and weighted average interest rates, related to the additional insurance liabilities:
Three Months Ended March 31,
2024202320242023
AssessmentsInterest Accretion
(in millions)
Revenue and Interest Accretion
UL$164 $172 $14 $13 
Total$164 $172 $14 $13 

Three Months Ended March 31,
20242023
Weighted Average Interest Rate
UL4.5 %4.5 %
Interest accretion rate4.5 %4.5 %

The discount rate used for additional insurance liabilities reserve is based on the crediting rate at issue.
v3.24.1.u1
FAIR VALUE DISCLOSURES
3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
FAIR VALUE DISCLOSURES FAIR VALUE DISCLOSURES
U.S. GAAP establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:
Level 1    Unadjusted quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.
Level 2    Observable inputs other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.
Level 3    Unobservable inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity’s own assumptions about the cash flows or other significant components of value that market participants would use in pricing the asset or liability.
The Company uses unadjusted quoted market prices to measure fair value for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using present value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected future cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument, nor do they consider the tax impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.
Management is responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, the Company often utilizes independent valuation service providers to gather, analyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuation model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-observable information, as applicable. Specific attributes of the security being valued are also considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific information. When insufficient market observable information is available upon which to measure fair value, the Company either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ internal valuation models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis
Fair value measurements are required on a non-recurring basis for certain assets only when an impairment or other events occur. For the periods ended March 31, 2024 and December 31, 2023, the Company recognized impairment adjustments and impairment losses, respectively, to adjust the carrying value of held-for-sale asset and liabilities to their fair value less cost to sell. The value is measured on a nonrecurring basis and categorized within Level 3 of the fair value hierarchy. The fair value was determined using a market approach, estimated based on the negotiated value of the asset and liabilities. See Note 19 of the Notes to these Consolidated Financial Statements for additional details of the Held-for-Sale assets and liabilities.
Assets and Liabilities Measured at Fair Value on a Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are summarized below:
Fair Value Measurements as of March 31, 2024

Level 1
Level 2
Level 3
Total
 
(in millions)
Assets:
Investments
Fixed maturities, AFS:
Corporate (1)
$ $42,020 $2,338 $44,358 
U.S. Treasury, government and agency 4,495  4,495 
States and political subdivisions 513  513 
Foreign governments 591  591 
Residential mortgage-backed (2)
 2,540  2,540 
Asset-backed (3)
 11,756 71 11,827 
Commercial mortgage-backed 3,216 7 3,223 
Redeemable preferred stock 59  59 
Total fixed maturities, AFS 65,190 2,416 67,606 
Fixed maturities, at fair value using the fair value option  1,443 244 1,687 
Other equity investments (4)251 463 55 769 
Trading securities393 886 61 1,340 
Other invested assets:
Short-term investments 411  411 
Assets of consolidated VIEs/VOEs64 240 3 307 
Swaps (278) (278)
Credit default swaps
 3  3 
Futures(1)  (1)
Options 12,763  12,763 
Total other invested assets63 13,139 3 13,205 
Cash equivalents7,451 1,173  8,624 
Segregated securities 866  866 
Purchased market risk benefits   8,337 8,337 
Assets for market risk benefits  818 818 
Separate Accounts assets (5)
130,299 2,591 1 132,891 
Total Assets$138,457 $85,751 $11,935 $236,143 
Liabilities:
Notes issued by consolidated VIE’s, at fair value using the fair value option (6)
$ $1,561 $ $1,561 
SCS, SIO, MSO and IUL indexed features’ liability 13,758  13,758 
Liabilities of consolidated VIEs and VOEs 5  5 
Liabilities for market risk benefits  12,814 12,814 
Contingent payment arrangements  254 254 
Total Liabilities$ $15,324 $13,068 $28,392 
______________
(1)Corporate fixed maturities includes both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
(4)Includes short position equity securities of $10 million that are reported in other liabilities.
(5)Separate Accounts assets included in the fair value hierarchy exclude investments in entities that calculate NAV per share (or its equivalent) as a practical expedient. Such investments excluded from the fair value hierarchy include investments in real estate. As of March 31, 2024, the fair value of such investments was $354 million.
(6)Accrued interest payable of $19 million is reported in Notes issued by consolidated VIE’s, at fair value using the fair value option in the consolidated balance sheets, which is not required to be measured at fair value on a recurring basis.
Fair Value Measurements as of December 31, 2023
Level 1
Level 2
Level 3
Total
 
(in millions)
Assets:
Investments
Fixed maturities, AFS:
Corporate (1)
$— $42,584 $2,158 $44,742 
U.S. Treasury, government and agency— 4,631 — 4,631 
States and political subdivisions— 522 27 549 
Foreign governments— 611 — 611 
Residential mortgage-backed (2)
— 2,355 — 2,355 
Asset-backed (3)
— 10,954 47 11,001 
Commercial mortgage-backed (2)
— 3,075 3,082 
Redeemable preferred stock— 59 — 59 
Total fixed maturities, AFS— 64,791 2,239 67,030 
Fixed maturities, at fair value using the fair value option— 1,473 181 1,654 
Other equity investments (4)
217 464 54 735 
Trading securities321 675 61 1,057 
Other invested assets:

Short-term investments— 429 — 429 
Assets of consolidated VIEs/VOEs61 350 414 
Swaps— (190)— (190)
Credit default swaps
— — 
Futures(4)— — (4)
Options— 10,084 — 10,084 
Total other invested assets57 10,676 10,736 
Cash equivalents5,901 694 — 6,595 
Segregated securities— 868 — 868 
Purchased market risk benefits— — 9,427 9,427 
Assets for market risk benefits— — 591 591 
Separate Accounts assets (5)
124,099 2,624 — 126,723 
Total Assets$130,595 $82,265 $12,556 $225,416 
Liabilities:
Notes issued by consolidated VIE’s, at fair value using the fair value option (6)
$— $1,539 $— $1,539 
SCS, SIO, MSO and IUL indexed features’ liability— 10,745 — 10,745 
Liabilities of consolidated VIEs and VOEs— 
Liabilities for market risk benefits
— — 14,612 14,612 
Contingent payment arrangements— — 253 253 
Total Liabilities$$12,286 $14,865 $27,152 
______________
(1)Corporate fixed maturities includes both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
(4)Includes short position equity securities of $4 million that are reported in other liabilities.
(5)Separate Accounts assets included in the fair value hierarchy exclude investments in entities that calculate NAV per share (or its equivalent) as a practical expedient. Such investments excluded from the fair value hierarchy include investments in real estate. As of December 31, 2023, the fair value of such investments was $371 million.
(6)Accrued interest payable of $20 million is reported in Notes issued by consolidated VIE’s, at fair value using the fair value option in the consolidated balance sheets, which is not required to be measured at fair value on a recurring basis.
Public Fixed Maturities
The fair values of the Company’s public fixed maturities, including those accounted for using the fair value option are generally based on prices obtained from independent valuation service providers and for which the Company maintains a vendor hierarchy by asset type based on historical pricing experience and vendor expertise. Although each security generally is priced by multiple independent valuation service providers, the Company ultimately uses the price received from the independent valuation service provider highest in the vendor hierarchy based on the respective asset type, with limited exception. To validate reasonableness, prices also are internally reviewed by those with relevant expertise through comparison with directly observed recent market trades. Consistent with the fair value hierarchy, public fixed maturities validated in this manner generally are reflected within Level 2, as they are primarily based on observable pricing for similar assets and/or other market observable inputs.
Private Fixed Maturities
The fair values of the Company’s private fixed maturities, including those accounted for using the fair value option are determined from prices obtained from independent valuation service providers. Prices not obtained from an independent valuation service provider are determined by using a discounted cash flow model or a market comparable company valuation technique. In certain cases, these models use observable inputs with a discount rate based upon the average of spread surveys collected from private market intermediaries who are active in both primary and secondary transactions, taking into account, among other factors, the credit quality and industry sector of the issuer and the reduced liquidity associated with private placements. Generally, these securities have been reflected within Level 2. For certain private fixed maturities, the discounted cash flow model or a market comparable company valuation technique may also incorporate unobservable inputs, which reflect the Company’s own assumptions about the inputs market participants would use in pricing the asset. To the extent management determines that such unobservable inputs are significant to the fair value measurement of a security, a Level 3 classification generally is made.
Notes issued by consolidated VIE’s, at fair value using the fair value option
These notes are based on the fair values of corresponding fixed maturity collateral. The CLO liabilities are also reduced by the fair value of the beneficial interests the Company retains in the CLO and the carrying value of any beneficial interests that represent compensation for services. As the notes are valued based on the reference collateral, they are classified as Level 2 or 3.
Freestanding Derivative Positions
The net fair value of the Company’s freestanding derivative positions as disclosed in Note 4 of the Notes to these Consolidated Financial Statements are generally based on prices obtained either from independent valuation service providers or derived by applying market inputs from recognized vendors into industry standard pricing models. The majority of these derivative contracts are traded in the OTC derivative market and are classified in Level 2. The fair values of derivative assets and liabilities traded in the OTC market are determined using quantitative models that require use of the contractual terms of the derivative instruments and multiple market inputs, including interest rates, prices, and indices to generate continuous yield or pricing curves, including overnight index swap curves, and volatility factors, which then are applied to value the positions. The predominance of market inputs is actively quoted and can be validated through external sources or reliably interpolated if less observable.
Level Classifications of the Company’s Financial Instruments
Financial Instruments Classified as Level 1
Investments classified as Level 1 primarily include redeemable preferred stock, trading securities, cash equivalents and Separate Accounts assets. Fair value measurements classified as Level 1 include exchange-traded prices of fixed maturities, equity securities and derivative contracts, and net asset values for transacting subscriptions and redemptions of mutual fund shares held by Separate Accounts. Cash equivalents classified as Level 1 include money market accounts, overnight commercial paper and highly liquid debt instruments purchased with an original maturity of three months or less and are carried at cost as a proxy for fair value measurement due to their short-term nature.
Financial Instruments Classified as Level 2
Investments classified as Level 2 are measured at fair value on a recurring basis and primarily include U.S. government and agency securities, certain corporate debt securities and financial assets and liabilities accounted for
using the fair value option, such as public and private fixed maturities. As market quotes generally are not readily available or accessible for these securities, their fair value measures are determined utilizing relevant information generated by market transactions involving comparable securities and often are based on model pricing techniques that effectively discount prospective cash flows to present value using appropriate sector-adjusted credit spreads commensurate with the security’s duration, also taking into consideration issuer-specific credit quality and liquidity. Segregated securities classified as Level 2 are U.S. Treasury bills segregated by AB in a special reserve bank custody account for the exclusive benefit of brokerage customers, as required by Rule 15c3-3 of the Exchange Act and for which fair values are based on quoted yields in secondary markets.
Observable inputs generally used to measure the fair value of securities classified as Level 2 include benchmark yields, reported secondary trades, issuer spreads, benchmark securities and other reference data. Additional observable inputs are used when available, and as may be appropriate, for certain security types, such as pre-payment, default, and collateral information for the purpose of measuring the fair value of mortgage- and asset-backed securities. The Company’s AAA-rated mortgage- and asset-backed securities are classified as Level 2 for which the observability of market inputs to their pricing models is supported by sufficient, albeit more recently contracted, market activity in these sectors.
Certain Company products, such as the SCS, EQUI-VEST variable annuity products, IUL and the MSO fund available in some life contracts, offer investment options which permit the contract owner to participate in the performance of an index, ETF or commodity price. These investment options, which depending on the product and on the index selected, can currently have one, three, five or six year terms, provide for participation in the performance of specified indices, ETF or commodity price movement up to a segment-specific declared maximum rate. Under certain conditions that vary by product, e.g., holding these segments for the full term, these segments also shield policyholders from some or all negative investment performance associated with these indices, ETF or commodity prices. These investment options have defined formulaic liability amounts, and the current values of the option component of these segment reserves are classified as Level 2 embedded derivatives. The fair values of these embedded derivatives are based on data obtained from independent valuation service providers.
Financial Instruments Classified as Level 3
The Company’s investments classified as Level 3 primarily include corporate debt securities and financial assets and liabilities accounted for using the fair value option, such as private fixed maturities and asset-backed securities. Determinations to classify fair value measures within Level 3 of the valuation hierarchy generally are based upon the significance of the unobservable factors to the overall fair value measurement. Included in the Level 3 classification are fixed maturities with indicative pricing obtained from brokers that otherwise could not be corroborated to market observable data.
The Company has certain variable annuity contracts with GMDB, GMIB, GIB and GWBL and other features in-force that guarantee one of the following:
Return of Premium: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals);
Ratchet: the benefit is the greatest of current account value, premiums paid (adjusted for withdrawals), or the highest account value on any anniversary up to contractually specified ages (adjusted for withdrawals);
Roll-Up: the benefit is the greater of current account value or premiums paid (adjusted for withdrawals) accumulated at contractually specified interest rates up to specified ages;
Combo: the benefit is the greater of the ratchet benefit or the roll-up benefit, which may include either a five year or an annual reset; or
Withdrawal: the withdrawal is guaranteed up to a maximum amount per year for life.
The Company also issues certain benefits on its variable annuity products that are accounted for as MRBs carried at fair value and are also considered Level 3 for fair value leveling.
The GMIBNLG feature allows the policyholder to receive guaranteed minimum lifetime annuity payments based on predetermined annuity purchase rates applied to the contract’s benefit base if and when the contract account value is depleted and the NLG feature is activated. The optional GMIB feature allows the policyholder to receive guaranteed minimum lifetime annuity payments based on predetermined annuity purchase rates.
The GMWB feature allows the policyholder to withdraw at a minimum, over the life of the contract, an amount based on the contract’s benefit base. The GWBL feature allows the policyholder to withdraw, each year for the life of the contract, a specified annual percentage of an amount based on the contract’s benefit base. The GMAB feature increases the contract account value at the end of a specified period to a GMAB base. The GIB feature provides a lifetime annuity based on predetermined annuity purchase rates if and when the contract account value is depleted. This lifetime annuity is based on predetermined annuity purchase rates applied to a GIB base. The GMDB feature guarantees that the benefit paid upon death will not be less than a guaranteed benefit base. If the contract’s account value is less than the benefit base at the time a death claim is paid, the amount payable will be equal to the benefit base.
The MRBs fair value will be equal to the present value of benefits less the present value of ascribed fees. Considerable judgment is utilized by management in determining the assumptions used in determining present value of benefits and ascribed fees related to lapse rates, withdrawal rates, utilization rates, non-performance risk, volatility rates, annuitization rates and mortality (collectively, the significant MRB assumptions).
Purchased MRB assets, which are accounted for as MRBs carried at fair value are also considered Level 3 for fair value leveling. The purchased MRB asset fair value reflects the present value of reinsurance premiums, net of recoveries, adjusted for risk margins and nonperformance risk over a range of market consistent economic scenarios while the MRB asset and liability reflects the present value of expected future payments (benefits) less fees, adjusted for risk margins and nonperformance risk, attributable to the MRB asset and liability over a range of market-consistent economic scenarios.
The valuations of the MRBs and purchased MRB assets incorporate significant non-observable assumptions related to policyholder behavior, risk margins and projections of equity Separate Accounts funds. The credit risks of the counterparty and of the Company are considered in determining the fair values of its MRBs and purchased MRB assets after taking into account the effects of collateral arrangements. Incremental adjustment to the risk-free curve for counterparty non-performance risk is made to the fair values of the purchased MRB assets. Risk margins were applied to the non-capital markets inputs to the MRBs and purchased MRB valuations.
After giving consideration to collateral arrangements, the Company reduced the fair value of its purchased MRB asset by $558 million and $687 million as of March 31, 2024 and December 31, 2023, respectively, to recognize incremental counterparty non-performance risk.
The Company’s Level 3 liabilities include contingent payment arrangements associated with acquisitions in 2020 and 2022 by AB. At each reporting date, AB estimates the fair values of the contingent consideration expected to be paid based upon revenue and discount rate projections, using unobservable market data inputs, which are included in Level 3 of the valuation hierarchy. The Company’s consolidated VIEs/VOEs hold investments that are classified as Level 3, primarily corporate bonds that are vendor priced with no ratings available, bank loans, non-agency collateralized mortgage obligations and asset-backed securities.
Transfers of Financial Instruments Between Levels 2 and 3
During the three months ended March 31, 2024, fixed maturities with fair values of $169 million were transferred out of Level 3 and into Level 2 principally due to the availability of trading activity and/or market observable inputs to measure and validate their fair values. In addition, fixed maturities with fair value of $120 million were transferred from Level 2 into the Level 3 classification. These transfers in the aggregate represent approximately 7.7% of total equity as of March 31, 2024.
During the three months ended March 31, 2023, fixed maturities with fair values of $401 million were transferred out of Level 3 and into Level 2 principally due to the availability of trading activity and/or market observable inputs to measure and validate their fair values. In addition, fixed maturities with fair value of $56 million were transferred from Level 2 into the Level 3 classification. These transfers in the aggregate represent approximately 8.4% of total equity as of March 31, 2023.
The tables below present reconciliations for all Level 3 assets and liabilities and changes in unrealized gains (losses). Not included below are the changes in balances related to MRBs and purchased MRBs level 3 assets and liabilities, which are included in Note 9 of the Notes to these Consolidated Financial Statements.
Three Months Ended March 31, 2024
CorporateState and Political SubdivisionsAsset-backedRMBSCMBS
(in millions)
Balance, beginning of period$2,158 $27 $47 $ $7 
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)2     
Investment gains (losses), net(1)    
Subtotal1     
Other comprehensive income (loss)10     
Purchases215  48   
Sales(56) (10)  
Settlements     
Other     
Activity related to consolidated VIEs/VOEs—     
Transfers into Level 3 (1)57     
Transfers out of Level 3 (1)(47)(27)(14)  
Balance, end of period$2,338 $ $71 $ $7 
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$ $ $ $ $ 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$10 $ $ $ $ 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2024, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
Three Months Ended March 31, 2024
Fixed maturities, at FVO
Other Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, beginning of period$181 $57 $61 $ $(253)
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)16 1    
Investment gains (losses), net     
Subtotal16 1    
Other comprehensive income (loss)     
Purchases 80 42  1  
Sales (15)(42)   
Settlements     1 
Other     (2)
Activity related to consolidated VIEs/VOEs     
Transfers into Level 3 (1)63     
Transfers out of Level 3 (1)(81)    
Three Months Ended March 31, 2024
Fixed maturities, at FVO
Other Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, end of period$244 $58 $61 $1 $(254)
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$ $1 $ $ $ 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$28 $ $ $ $ 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2024, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
(3)Other Equity Investments include other invested assets.
Three Months Ended March 31, 2023
CorporateState and Political SubdivisionsAsset-backedRMBSCMBS
(in millions)
Balance, beginning of period$2,121 $28 $— $34 $32 
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)— — — — 
Investment gains (losses), net(3)— — — — 
Subtotal(1)— — — — 
Other comprehensive income (loss)18 — — — — 
Purchases171 — 12 — 
Sales(91)— — — — 
Settlements— — — — — 
Other— — — — — 
Activity related to consolidated VIEs/VOEs— — — — — 
Transfers into Level 3 (1)— — — — — 
Transfers out of Level 3 (1)(268)— — (34)— 
Balance, end of period$1,950 $28 $12 $— $34 
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$— $— $— $— $— 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$17 $— $— $— $— 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2023, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
Three Months Ended March 31, 2023
Fixed maturities, at FVO
Other
Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, beginning of period$224 $17 $55 $$(247)
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)(3)— — — 
Investment gains (losses), net— — — — — 
Subtotal(3)— — — 
Other comprehensive income (loss)— — — — — 
Purchases 12 — — — — 
Sales — — — — — 
Settlements — — — — — 
Other — — — — (1)
Activity related to consolidated VIEs/VOEs— — — — — 
Transfers into Level 3 (1)56 — — — 
Transfers out of Level 3 (1)(99)— — — — 
Balance, end of period$196 $15 $55 $$(248)
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$$(3)$— $— $— 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$— $— $— $— $— 
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2023, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
(3)Other Equity Investments include other invested assets.
Quantitative and Qualitative Information about Level 3 Fair Value Measurements
The following tables disclose quantitative information about Level 3 fair value measurements by category for assets and liabilities:
Quantitative Information about Level 3 Fair Value Measurements as of March 31, 2024

Fair
Value
Valuation
Technique
Significant
Unobservable Input
Range
Weighted Average (2)
 (Dollars in millions)
Assets:
Investments:
Fixed maturities, AFS:
Corporate$350 Matrix pricing model
Spread over Benchmark
20 bps - 270 bps
145 bps
1,172 Market comparable 
companies
EBITDA multiples
Discount rate
Cash flow multiples
Loan to value
3.3x - 30.5x
0.0% - 19.2%
0.8x - 9.3x
0.0% - 61.4%
13.5x
3.8%
6.2x
14.0%
Trading securities, at fair value
61 Discounted cash flow
Earnings multiple
Discount factor
Discount years
9.1x
10.0%
7
Other equity investments2 Discounted cash flow
Earnings Multiple
3.9x - 7.0x
5.9x
Purchased MRB asset (1) (2) (4)8,337 Discounted cash flow
Lapse rates
Withdrawal rates
GMIB Utilization rates
Non-performance risk
Volatility rates - Equity
Mortality: Ages 0-40
Ages 41-60
Ages 61-115

0.21%-12.38%
0.07%-14.97%
0.04%-66.21%
32 bps - 101 bps
12%-28%
0.01%-0.18%
0.07%-0.53%
0.33%-42.00%
1.96%
0.50%
6.91%
40 bps
23%
3.25%
(same for all ages)
(same for all ages)
Liabilities:
AB Contingent consideration payable$254 Discounted cash flow
Expected revenue growth rates
Discount rate
2.0% - 29.3%
1.9% - 10.4%
7.9%
4.6%
Direct MRB (1) (2) (3) (4)11,996 Discounted cash flow
Non-performance risk
Lapse rates
Withdrawal rates
Annuitization rates
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
117 bps
0.21%-29.37%
0.00%-14.97%
0.04%-100.00%
0.01%-0.18%
0.07%-0.53%
0.33%-42.00%
117 bps
3.20%
0.67%
5.15%
2.67%
(same for all ages)
(same for all ages)
______________
(1)Mortality rates vary by age and demographic characteristic such as gender. Mortality rate assumptions are based on a combination of company and industry experience. A mortality improvement assumption is also applied. For any given contract, mortality rates vary throughout the period over which cash flows are projected for purposes of valuating the embedded derivatives.
(2)Lapses and pro-rata withdrawal rates were developed as a function of the policy account value. Dollar for dollar withdrawal rates were developed as a function of the dollar for dollar threshold, the dollar for dollar limit. Utilization rates were developed as a function of the benefit base.
(3)MRB liabilities are shown net of MRB assets. Net amount is made up of $12.8 billion of MRB liabilities and $818 million of MRB assets.
(4)Includes Legacy and Core products.
Quantitative Information about Level 3 Fair Value Measurements as of December 31, 2023
Fair
Value
Valuation
Technique
Significant
Unobservable Input
Range
Weighted Average (2)
 (Dollars in millions)
Assets:
Investments:
Fixed maturities, AFS:
Corporate$373 Matrix pricing model
Spread over benchmark
20 bps - 747 bps
181 bps
979 Market comparable companies
EBITDA multiples
 Discount rate
 Cash flow multiples
Loan to value
3.3x - 29.0x
0.0% - 22.8%
0.8x-10.0x
3.4%-61.0%
13.6x
3.9%
6.3x
13.8%
Trading securities, at fair value61 Discounted cash flow
Earnings multiple
Discounts factor
Discount years
9.1x
10.00%
7
Other equity investmentsDiscounted cash flow    
Earnings Multiple
3.9x - 8.4x
6.5x
Purchased MRB asset (1) (2) (4)9,427 Discounted cash flow
Lapse rates
Withdrawal rates
GMIB Utilization rates
Non-performance risk
Volatility rates - Equity
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
0.21% - 12.38%
0.07% - 14.97%
0.04% - 66.21%
35 bps - 97 bps
11% - 28%
0.01% - 0.18%
0.07% - 0.53%
0.33% - 42.00%
1.79%
0.46%
7.44%
45 bps
23%
3.07%
(same for all ages)
(same for all ages)
Liabilities:
AB Contingent consideration payable$253 Discounted cash flow
Expected revenue growth rates
Discount rate
2.0% - 83.9%
1.9% - 10.4%
10.3%
4.6%
Direct MRB (1) (2) (3) (4)14,021 Discounted cash flow
Non-performance risk
Lapse rates
Withdrawal rates
Annuitization rates
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
118 bps
0.21% - 29.37%
0.00% - 14.97%
0.04% - 100.00%
0.01% - 0.18%
0.07% - 0.53%
0.33% - 42.00%
118 bps
3.07%
0.64%
5.38%
2.50%
(same for all ages)
(same for all ages)
______________
(1)Mortality rates vary by age and demographic characteristic such as gender and benefits elected with the policy. Mortality rate assumptions are based on a combination of company and industry experience. A mortality improvement assumption is also applied. For any given contract, mortality rates vary throughout the period over which cash flows are projected for purposes of valuating the embedded derivatives.
(2)Lapses and pro-rata withdrawal rates were developed as a function of the policy account value. Dollar for dollar withdrawal rates were developed as a function of the dollar for dollar threshold, the dollar for dollar limit. Utilization rates were developed as a function of the benefit base.
(3)MRB liabilities are shown net of MRB assets. Net amount is made up of $14.6 billion of MRB liabilities and $591 million of MRB assets.
(4)Includes Legacy and Core products.
Level 3 Financial Instruments for which Quantitative Inputs are Not Available
Certain Privately Placed Debt Securities with Limited Trading Activity
Excluded from the tables above as of March 31, 2024 and December 31, 2023, respectively, are approximately $1.2 billion and $1.1 billion of Level 3 fair value measurements of investments for which the underlying quantitative inputs are not developed by the Company and are not readily available. These investments primarily consist of certain privately placed debt securities with limited trading activity, including residential mortgage- and asset-backed instruments, and their fair values generally reflect unadjusted prices obtained from independent valuation service providers and indicative, non-binding quotes obtained from third-party broker-dealers recognized as market participants. Significant increases or decreases in the fair value amounts received from these pricing sources may result in the Company reporting significantly higher or lower fair value measurements for these Level 3 investments.
The fair value of private placement securities is determined by application of a matrix pricing model or a market comparable company value technique. The significant unobservable input to the matrix pricing model valuation technique is the spread over the industry-specific benchmark yield curve. Generally, an increase or decrease in spreads would lead to directionally inverse movement in the fair value measurements of these securities. The significant unobservable input to the market comparable company valuation technique is the discount rate. Generally, a significant increase (decrease) in the discount rate would result in significantly lower (higher) fair value measurements of these securities.
Residential mortgage-backed securities classified as Level 3 primarily consist of non-agency paper with low trading activity. Included in the tables above as of March 31, 2024 and December 31, 2023, there were no Level 3 securities that were determined by application of a matrix pricing model and for which the spread over the U.S. Treasury curve is the most significant unobservable input to the pricing result. Generally, a change in spreads would lead to directionally inverse movement in the fair value measurements of these securities.
Asset-backed securities classified as Level 3 primarily consist of non-agency mortgage loan trust certificates, including subprime and Alt-A paper, credit risk transfer securities, and equipment financings. Included in the tables above as of March 31, 2024 and December 31, 2023, there were no securities that were determined by the application of matrix-pricing for which the spread over the U.S. Treasury curve is the most significant unobservable input to the pricing result. Significant increases (decreases) in spreads would have resulted in significantly lower (higher) fair value measurements.
Other Equity Investments
Included in other equity investments classified as Level 3 are venture capital securities in the Technology, Media and Telecommunications industries. The fair value measurements of these securities include significant unobservable inputs including an enterprise value to revenue multiples and a discount rate to account for liquidity and various risk factors. Significant increases (decreases) in the enterprise value to revenue multiple inputs in isolation would have resulted in a significantly higher (lower) fair value measurement. Significant increases (decreases) in the discount rate would have resulted in a significantly lower (higher) fair value measurement.
Market Risk Benefits
Significant unobservable inputs with respect to the fair value measurement of the purchased MRB assets and MRB liabilities identified in the table above are developed using Company data. Future policyholder behavior is an unobservable market assumption and, as such, all aspects of policyholder behavior are derived based on recent historical experience. These policyholder behaviors include lapses, pro-rata withdrawals, dollar for dollar withdrawals, GMIB utilization, deferred mortality and payout phase mortality. Many of these policyholder behaviors have dynamic adjustment factors based on the relative value of the rider as compared to the account value in different economic environments. This applies to all variable annuity related products; products with GMxB riders including but not limited to GMIB, GMDB, and GWL.
Lapse rates are adjusted at the contract level based on a comparison of the value of the GMxB rider and the current policyholder account value, which include other factors such as considering surrender charges. Generally, lapse rates are assumed to be lower in periods when a surrender charge applies. A dynamic lapse function reduces the base lapse rate when the guaranteed amount is greater than the account value as in-the-money contracts are less likely to lapse. For valuing purchased MRB assets and MRB liabilities, lapse rates vary throughout the period over which cash flows are projected.
Carrying Value of Financial Instruments Not Otherwise Disclosed in Note 3 and Note 4 of the Notes to these Consolidated Financial Statements
The carrying values and fair values for financial instruments not otherwise disclosed in Note 3 and Note 4 of the Notes to these Consolidated Financial Statements were as follows:
Carrying Values and Fair Values for Financial Instruments Not Otherwise Disclosed

 
Carrying
Value
Fair Value
 
Level 1
Level 2
Level 3
Total
(in millions)
March 31, 2024:
Mortgage loans on real estate $18,570 $ $ $16,794 $16,794 
Policy loans$4,191 $ $ $4,442 $4,442 
Policyholders’ liabilities: Investment contracts$1,608 $ $ $1,559 $1,559 
FHLB funding agreements $7,168 $ $7,086 $ $7,086 
FABN funding agreements$6,252 $ $5,839 $ $5,839 
Funding agreement-backed commercial paper (FABCP)$663 $ $675 $ $675 
Long-term debt$3,821 $ $3,700 $ $3,700 
Separate Accounts liabilities$11,246 $ $ $11,246 $11,246 
December 31, 2023:
Mortgage loans on real estate$18,171 $— $— $16,471 $16,471 
Policy loans$4,158 $— $— $4,485 $4,485 
Policyholders’ liabilities: Investment contracts$1,663 $— $— $1,634 $1,634 
FHLB funding agreements $7,618 $— $7,567 $— $7,567 
FABN funding agreements$6,267 $— $5,840 $— $5,840 
Funding agreement-backed commercial paper (FABCP)$939 $— $948 $— $948 
Long-term debt $3,820 $— $3,742 $— $3,742 
Separate Accounts liabilities$10,715 $— $— $10,715 $10,715 

Mortgage Loans on Real Estate
Fair values for commercial, agricultural and residential mortgage loans on real estate are measured by discounting future contractual cash flows to be received on the mortgage loan using interest rates at which loans with similar characteristics and credit quality would be made. The discount rate is derived based on the appropriate U.S. Treasury rate with a like term to the remaining term of the loan to which a spread reflective of the risk premium associated with the specific loan is added. Fair values for mortgage loans anticipated to be foreclosed and problem mortgage loans are limited to the fair value of the underlying collateral, if lower.
Policy Loans
The fair value of policy loans is calculated by discounting expected cash flows based upon the U.S. Treasury yield curve and historical loan repayment patterns.
Policyholder Liabilities - Investment Contracts and Separate Accounts Liabilities
The fair values for deferred annuities and certain annuities, which are included in policyholders’ account balances, and liabilities for investment contracts with fund investments in Separate Accounts, are estimated using projected cash flows discounted at rates reflecting current market rates. Significant unobservable inputs reflected in the cash flows include lapse rates and withdrawal rates. Incremental adjustments may be made to the fair value to reflect non-performance risk. Certain other products such as the Company’s association plans contracts, supplementary contracts not involving life contingencies, Access Accounts and Escrow Shield Plus product reserves are held at book value.
FHLB Funding Agreements
The fair values of Equitable Financial’s FHLB long term funding agreements’ fair values are determined based on indicative market rates published by the FHLB, provided to AB and modeled for each note’s FMV. FHLB short-term funding agreements’ fair values are reflective of notional/par value plus accrued interest.
FABN Funding Agreements
The fair values of Equitable Financial’s FABN funding agreements are determined by Bloomberg’s evaluated pricing service, which uses direct observations or observed comparables.
FABCP Funding Agreements
The fair value of Equitable Financial’s FABCP funding agreements are reflective of the notional/par value outstanding.
Short-term Debt
The Company’s short-term debt primarily includes long-term debt that has been reclassified to short-term due to an upcoming maturity date within one year. The fair values for the Company’s short-term debt are determined by Bloomberg’s evaluated pricing service, which uses direct observations or observed comparables.
Long-term Debt
The fair values for the Company’s long-term debt are determined by Bloomberg’s evaluated pricing service, which uses direct observations or observed comparables.
Financial Instruments Exempt from Fair Value Disclosure or Otherwise Not Required to be Disclosed
Exempt from Fair Value Disclosure Requirements
Certain financial instruments are exempt from the requirements for fair value disclosure, such as insurance liabilities other than financial guarantees and investment contracts, limited partnerships accounted for under the equity method and pension and other postretirement obligations.
Otherwise Not Required to be Included in the Table Above
The Company’s investment in COLI policies are recorded at their cash surrender value and therefore are not required to be included in the table above. See Note 2 of the Notes to these Consolidated Financial Statements for further description of the Company’s accounting policy related to its investment in COLI policies.
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS
3 Months Ended
Mar. 31, 2024
Insurance [Abstract]  
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS DAC AND OTHER DEFERRED ASSETS/LIABILITIES
The following table presents a reconciliation of DAC to the consolidated balance sheets:
March 31,December 31,
20242023
(in millions)
Protection Solutions
Term$331 $337 
Universal Life
174 174 
Variable Universal Life
1,009 987 
Indexed Universal Life
187 188 
Individual Retirement
GMxB Core
1,604 1,602 
EQUI-VEST Individual
154 155 
Investment Edge180 172 
SCS1,655 1,571 
Legacy Segment
GMxB Legacy546 555 
Group Retirement
EQUI-VEST Group
747 742 
Momentum80 82 
Corporate and Other
114 116 
Other
23 24 
Total$6,804 $6,705 

Annually, or as circumstances warrant, we review the associated decrements assumptions (i.e., mortality and lapse) based on our multi-year average of companies experience with actuarial judgements to reflect other observable industry trends. In addition to DAC, the unearned revenue liability and sales inducement asset (“SIA”) use similar techniques and quarterly update processes for balance amortization.
Changes in the DAC asset were as follows:
Three Months Ended March 31, 2024
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG MomentumCB (1)
(in millions)
Balance, beginning of period$337 $174 $987 $188 $1,602 $155 $172 $1,571 $555 $742 $82 $116 $6,681 
Capitalization 4 3 37 2 39 2 12 148 7 15 2  271 
Amortization (2)(10)(3)(15)(3)(37)(3)(4)(64)(16)(10)(4)(2)(171)
Balance, end of period$331 $174 $1,009 $187 $1,604 $154 $180 $1,655 $546 $747 $80 $114 $6,781 
______________
(1)“CB” defined as Closed Block.
(2)DAC amortization of $1 million related to Other not reflected in table above.

Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG Momentum
CB
(in millions)
Balance, beginning of period$362 $179 $889 $185 $1,625 $156 $148 $1,279 $593 $710 $89 $127 $6,342 
Capitalization35 19 11 101 16 — 202 
Amortization (1)
(10)(3)(14)(3)(35)(3)(3)(47)(16)(10)(5)(3)(152)
Balance, end of period$356 $177 $910 $185 $1,609 $156 $156 $1,333 $583 $716 $87 $124 $6,392 
Changes in the Individual Retirement sales inducement assets were as follows:
Three Months Ended March 31,
20242023
GMxB CoreGMxB LegacyGMxB CoreGMxB Legacy
(in millions)
Balance, beginning of period$127 $179 $137 $200 
Capitalization1  — — 
Amortization(3)(5)(3)(5)
Balance, end of period$125 $174 $134 $195 
Changes in the Protection Solutions unearned revenue liability were as follows:
Three Months Ended March 31,
20242023
ULVULIULULVULIUL
(in millions)
Balance, beginning of period$107 $754 $210 $95 $684 $157 
Capitalization4 32 14 27 17 
Amortization(2)(12)(3)(2)(10)(3)
Balance, end of period$109 $774 $221 $98 $701 $171 
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS
The following table reconciles the net liability for future policy benefits and liability of death benefits to the liability for future policy benefits in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Reconciliation
Term$1,316 $1,348 
Individual Retirement - Payout820 844 
Legacy - Payout3,767 3,620 
Group Pension - Benefit Reserve & DPL473 490 
Health1,450 1,505 
UL1,194 1,193 
Subtotal9,020 9,000 
  Whole Life Closed Block and Open Block products5,384 5,444 
Other (1)948 970 
Future policyholder benefits total15,352 15,414 
  Other policyholder funds and dividends payable1,972 1,949 
Total$17,324 $17,363 
_____________
(1)Primarily consists of future policy benefits related to Protective Life and Annuity, Assumed Life and Disability, Group Life Run off, Variable Interest Sensitive Life rider and Employee Benefits.
The following table summarizes balances and changes in the liability for future policy benefits for nonparticipating traditional and limited pay contracts:
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Net Premiums
Balance, beginning of period$2,133 $ $ $ $(21)$2,100 $— $— $— $(5)
Beginning balance at original discount rate2,058    (22)2,078 — — — (5)
Effect of changes in cash flow assumptions(18)    — — — — 
Effect of actual variances from expected experience(18)   1 — — — (6)
Adjusted beginning of period balance2,022    (21)2,089 — — — (11)
Issuances11     15 — — — — 
Interest accrual25     25 — — — — 
Net premiums collected(49)   1 (51)— — — 
Ending Balance at original discount rate2,009    (20)2,078 — — — (10)
Effect of changes in discount rate assumptions17    1 82 — — — — 
Balance, end of period$2,026 $ $ $ $(19)$2,160 $— $— $— $(10)
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Future Policy Benefits
Balance, beginning of period$3,480 $844 $3,620 $490 $1,484 $3,465 $828 $2,689 $523 $1,553 
Beginning balance of original discount rate3,330 840 3,840 536 1,672 3,391 845 3,024 583 1,795 
Effect of changes in cash flow assumptions(20)(1)   — — — — 
Effect of actual variances from expected experience(23)(1)(2)1 1 — (1)(7)
Adjusted beginning of period balance3,287 838 3,838 537 1,673 3,404 846 3,024 582 1,788 
Issuances12 11 269   16 15 222 — — 
Interest accrual41 10 35 5 14 42 10 21 15 
Benefits payments(64)(23)(89)(16)(41)(95)(23)(65)(17)(33)
Ending Balance at original discount rate3,276 836 4,053 526 1,646 3,367 848 3,202 570 1,770 
Effect of changes in discount rate assumptions65 (16)(286)(53)(215)164 (258)(48)(197)
Balance, end of period$3,341 $820 $3,767 $473 $1,431 $3,531 $854 $2,944 $522 $1,573 
Impact of flooring LFPB at zero1     — — — — — 
Net liability for future policy benefits$1,316 820 3,767 473 1,450 1,371 854 2,944 522 1,583 
Less: Reinsurance recoverable24 (1)(1,068) (1,147)27 — (589)— (1,258)
Net liability for future policy benefits, after reinsurance recoverable$1,340 $819 $2,699 $473 $303 $1,398 $854 $2,355 $522 $325 
Weighted-average duration of liability for future policyholder benefits (years)6.99.37.67.08.67.09.47.97.18.7
The following table provides the amount of undiscounted and discounted expected gross premiums and expected future benefits and expenses related to nonparticipating traditional and limited payment contracts:
March 31, 2024December 31, 2023
(in millions)
Term
Expected future benefit payments and expenses (undiscounted)$5,768 $5,878 
Expected future gross premiums (undiscounted)
6,900 6,979 
Expected future benefit payments and expenses (discounted; AOCI basis)3,341 3,480 
Expected future gross premiums (discounted; AOCI basis)3,738 3,879 
March 31, 2024December 31, 2023
(in millions)
Payout - Legacy
Expected future benefit payments and expenses (undiscounted)5,530 5,204 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)3,682 3,538 
Expected future gross premiums (discounted; AOCI basis) — 
Payout
Expected future benefit payments and expenses (undiscounted)1,414 1,426 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)786 812 
Expected future gross premiums (discounted; AOCI basis) — 
Group Pension
Expected future benefit payments and expenses (undiscounted)654 668 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)454 471 
Expected future gross premiums (discounted; AOCI basis) — 
Health
Expected future benefit payments and expenses (undiscounted)2,278 2,318 
Expected future gross premiums (undiscounted)
82 85 
Expected future benefit payments and expenses (discounted; AOCI basis)1,415 1,468 
Expected future gross premiums (discounted; AOCI basis)$64 $68 
The table below summarizes the revenue and interest related to nonparticipating traditional and limited payment contracts:
Three Months Ended March 31,
2024202320242023
Gross PremiumInterest Accretion
(in millions)
Revenue and Interest Accretion
Term$88 $70 $16 $17 
Payout - Legacy59 27 39 21 
Payout9 15 10 10 
Group Pension — 5 
Health3 14 15 
Total$159 $114 $84 $68 
The following table provides the weighted average interest rates for the liability for future policy benefits:
March 31, 2024December 31, 2023
Weighted Average Interest Rate
Term
Interest accretion rate5.6 %5.6 %
Current discount rate5.1 %4.8 %
Payout - Legacy
Interest accretion rate4.1 %4.0 %
Current discount rate5.1 %4.9 %
Payout
Interest accretion rate5.0 %5.0 %
Current discount rate5.2 %4.9 %
Group Pension
Interest accretion rate3.3 %3.3 %
Current discount rate5.1 %4.8 %
Health
Interest accretion rate3.4 %3.4 %
Current discount rate5.2 %4.9 %
The following table provides the balance, changes in and the weighted average durations of the additional insurance liabilities:
Three Months Ended March 31,
20242023
Protection Solutions
UL
(Dollars in millions)
Balance, beginning of period$1,193 $1,109 
Beginning balance before AOCI adjustments1,230 1,135 
Effect of changes in interest rate & cash flow assumptions and model changes — 
Effect of actual variances from expected experience1 
Adjusted beginning of period balance1,231 1,141 
Interest accrual14 13 
Net assessments collected18 18 
Benefit payments(21)(18)
Ending balance before shadow reserve adjustments1,242 1,154 
Effect of reserve adjustment recorded in AOCI(48)(21)
Balance, end of period$1,194 $1,133 
Net liability for additional liability $1,194 $1,133 
Less: Reinsurance recoverable — 
Net liability for additional liability, after reinsurance recoverable$1,194 $1,133 
Weighted-average duration of additional liability - death benefit (years)19.721.6
The following tables provide the revenue, interest and weighted average interest rates, related to the additional insurance liabilities:
Three Months Ended March 31,
2024202320242023
AssessmentsInterest Accretion
(in millions)
Revenue and Interest Accretion
UL$164 $172 $14 $13 
Total$164 $172 $14 $13 

Three Months Ended March 31,
20242023
Weighted Average Interest Rate
UL4.5 %4.5 %
Interest accretion rate4.5 %4.5 %

The discount rate used for additional insurance liabilities reserve is based on the crediting rate at issue.
v3.24.1.u1
MARKET RISK BENEFITS
3 Months Ended
Mar. 31, 2024
Market Risk Benefit [Abstract]  
MARKET RISK BENEFITS MARKET RISK BENEFITS
The following table presents the balances and changes to the balances for MRBs for the GMxB benefits on deferred variable annuities:
Three Months Ended March 31,
20242023
Individual RetirementLegacyIndividual RetirementLegacy
GMxB CoreGMxB Legacy
Purchased MRB
Net LegacyGMxB CoreGMxB Legacy
Purchased MRB
Net Legacy
(in millions)
Balance, beginning of period$590 $13,418 $(9,420)$3,998 $530 $14,699 $(10,415)$4,284 
Balance BOP before changes in the instrument specific credit risk322 13,028 (9,387)3,641 529 15,314 (10,358)4,956 
Model changes and effect of changes in cash flow assumptions (3)
(2)(8)150 142 — — — — 
Actual market movement effect(160)(788)393 (395)(211)(744)387 (357)
Interest accrual16 161 (113)48 18 197 (153)44 
Attributed fees accrued (1)95 200 (80)120 95 209 (83)126 
Benefit payments(10)(321)169 (152)(12)(342)185 (157)
Actual policyholder behavior different from expected behavior5 (23)9 (14)21 (18)
Changes in future economic assumptions(194)(923)553 (370)125 944 (530)414 
Issuances(2)   (1)— — — 
Balance EOP before changes in the instrument-specific credit risk70 11,326 (8,306)3,020 550 15,599 (10,570)5,029 
Changes in the instrument-specific credit risk (2)245 375 (27)348 (233)(1,517)(99)(1,616)
Balance, end of period$315 $11,701 $(8,333)$3,368 $317 $14,082 $(10,669)$3,413 
Weighted-average age of policyholders (years)64.673.272.8N/A63.772.872.2N/A
Net amount at risk$2,764 $19,673 $10,407 N/A$3,287 $21,472 $10,045 N/A
______________
(1)Attributed fees accrued represents the portion of the fees needed to fund future GMxB claims.
(2)Changes are recorded in OCI except for reinsurer credit which is reflected in the consolidated income statement.
(3)Includes the impact primarily of a non-affiliated recapture of reinsurance completed in the first quarter of 2024.
The following table reconciles MRBs by the amounts in an asset position and amounts in a liability position to the MRB amounts in the consolidated balance sheets:
March 31, 2024December 31, 2023
Direct AssetDirect LiabilityNet Direct MRBPurchased MRBTotalDirect AssetDirect LiabilityNet Direct MRBPurchased MRBTotal
(in millions)
Individual Retirement
GMxB Core$(558)$873 $315 $ $315 $(418)$1,008 $590 $— $590 
Legacy Segment
GMxB Legacy(170)11,871 11,701 (8,333)3,368 (102)13,520 13,418 (9,420)3,998 
Other (1)(90)70 (20)(4)(24)(71)84 13 (7)
Total$(818)$12,814 $11,996 $(8,337)$3,659 $(591)$14,612 $14,021 $(9,427)$4,594 
______________
(1)Other primarily includes SCS.
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES
3 Months Ended
Mar. 31, 2024
Policyholder Account Balance [Abstract]  
POLICYHOLDER ACCOUNT BALANCES POLICYHOLDER ACCOUNT BALANCES
The following table reconciles the policyholders account balances to the policyholders’ account balance liability in the consolidated balance sheets:

March 31, 2024December 31, 2023
(in millions)
Policyholders’ account balance reconciliation
Protection Solutions
Universal Life$5,163 $5,202 
Variable Universal Life4,886 4,862 
Legacy Segment
GMxB Legacy616 618 
Individual Retirement
GMxB Core22 36 
SCS54,373 49,002 
EQUI-VEST Individual2,242 2,322 
Group Retirement
EQUI-VEST Group11,430 11,563 
Momentum590 608 
Other (1) (2)
6,787 6,570 
Balance (exclusive of Funding Agreements)86,109 80,783 
Funding Agreements (2)
14,137 14,890 
Balance, end of period$100,246 $95,673 
_____________
(1)Primarily reflects products IR Payout, IR Other, Indexed Universal Life, Investment Edge, Group Pension, Closed Block and Corporate and Other.
(2)Balances as of December 31, 2023 were revised from previously filed financial statements.
The following table summarizes the balances and changes in policyholder’s account balances:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,202 $4,862 $618 $36 $49,002 $2,322 $11,563 $608 
Premiums received166 27 19 58 5 7 151 18 
Policy charges(182)(64)18 (6)(4) (1) 
Surrenders and withdrawals(20)(20)(22)(8)(953)(91)(443)(30)
Benefit payments(58)(19)(24)(1)(72)(15)(17)(1)
Net transfers from (to) separate account 48 1 (59)3,175 2 81 (8)
Interest credited (2)55 52 6 2 3,220 17 96 3 
Other        
Balance, end of period$5,163 $4,886 $616 $22 $54,373 $2,242 $11,430 $590 
Weighted-average crediting rate3.79%3.73%2.71%1.65%N/A2.98%2.65%2.33%
Net amount at risk (3)$34,991 $115,499 $19,673 $2,764 $ $104 $6 $ 
Cash surrender value$3,405 $3,186 $550 $258 $50,667 $2,235 $11,368 $591 
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST Group includes amounts related to the change in embedded derivative.
(3)For life insurance products the net amount at risk is death benefit less account value for the policyholder. For variable annuity products the net amount at risk is the maximum GMxB NAR for the policyholder.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,340$4,909$688$69$35,702$2,652$12,045$702
Premiums received1843820461114819
Policy charges(194)(65)19(4)(1)(1)
Surrenders and withdrawals(18)(1)(25)(8)(607)(94)(405)(30)
Benefit payments(76)(40)(24)(1)(59)(20)(17)(2)
Net transfers from (to) separate account(45)(49)1,982369(9)
Interest credited (2)5555721,620191023
Other311
Balance, end of period$5,291$4,851$685$55$38,637$2,574$11,952$683
Weighted-average crediting rate3.64%3.81%1.78%1.05%1.12%3.09%2.99%2.03%
Net amount at risk (3)$37,031$114,419$21,472$3,287$43$128$58$
Cash surrender value$3,475$3,293$957$284$35,286$2,567$11,871$684
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST includes amounts related to the change in embedded derivative.
(3)For life insurance products, the net amount at risk is the death benefit less account value for the policyholder. For variable annuity products, the net amount at risk is the maximum GMxB NAR for the policyholder.
The following table presents the account values by range of guaranteed minimum crediting rates and the related range of the difference in basis points, between rates being credited policyholders and the respective guaranteed minimums:
March 31, 2024
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
Protection Solutions
Universal Life
0.00% - 1.50%
$ $ $ $6 $6 
1.51% - 2.50%
38 89 415 485 1,026 
 Greater than2.50%
3,484 617   4,101 
Total
$3,521 $707 $415 $491 $5,133 
Variable Universal Life
0.00% - 1.50%
$13 $23 $69 $16 $121 
1.51% - 2.50%
29 457 74  561 
Greater than 2.50%
3,703  14 5 3,723 
Total
$3,746 $480 $157 $21 $4,404 
Legacy Segment
March 31, 2024
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
GMxB Legacy
0.00% - 1.50%
$72 $16 $ $ $87 
1.51% - 2.50%
20    20 
Greater than 2.50%
444    444 
Total
$536 $16 $ $ $551 
Individual Retirement
GMxB Core
0.00% - 1.50%
$12 $184 $ $ $196 
1.51% - 2.50%
12    12 
Greater than 2.50%
57    57 
Total
$81 $184 $ $ $265 
EQUI-VEST Individual
0.00% - 1.50%
$47 $213 $ $ $259 
1.51% - 2.50%
41    41 
Greater than 2.50%
1,940    1,940 
Total
$2,027 $213 $ $ $2,240 
Group Retirement
EQUI-VEST
Group
0.00% - 1.50%
$756 $2,356 $36 $289 $3,436 
1.51% - 2.50%
347    347 
Greater than 2.50%
6,448    6,449 
Total
$7,551 $2,356 $36 $289 $10,232 
Momentum
0.00% - 1.50%
$ $13 $318 $53 $384 
1.51% - 2.50%
132 1   133 
Greater than 2.50%
68  5  72 
Total
$199 $14 $322 $53 $589 

December 31, 2023
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
 1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
Protection Solutions
Universal Life
0.00% - 1.50%
$— $— $— $$
1.51% - 2.50%
61 69 462 430 1,022 
Greater than 2.50%
3,515 627 — — 4,142 
Total$3,576 $696 $462 $436 $5,170 
Variable Universal Life
0.00% - 1.50%
$16 $33 $53 $$111 
1.51% - 2.50%
35 495 28 — 558 
Greater than 2.50%
3,712 — 13 3,730 
Total$3,763 $528 $94 $14 $4,399 
Legacy Segment
December 31, 2023
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
 1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
GMxB Legacy
0.00% - 1.50%
$75 $16 $— $— $91 
1.51% - 2.50%
21 — — — 21 
Greater than 2.50%
461 — — — 461 
Total$557 $16 $— $— $573 
Individual Retirement
GMxB Core
0.00% - 1.50%
$13 $192 $— $— $205 
1.51% - 2.50%
13 — — — 13 
Greater than 2.50%
55 — — — 55 
Total$81 $192 $— $— $273 
EQUI-VEST Individual
0.00% - 1.50%
$49 $218 $— $— $267 
1.51% - 2.50%
43 — — — 43 
Greater than 2.50%
2,011 — — — 2,011 
Total$2,103 $218 $— $— $2,321 
SCS
Products with either a fixed rate or no guaranteed minimum
N/AN/AN/AN/AN/A
Group Retirement
EQUI-VEST Group
0.00% - 1.50%
$772 $2,338 $36 $315 $3,461 
1.51% - 2.50%
345 — — — 345 
Greater than 2.50%
6,610 — — — 6,610 
Total$7,727 $2,338 $36 $315 $10,416 
Momentum
0.00% - 1.50%
$— $12 $330 $53 $395 
1.51% - 2.50%
138 — — 139 
Greater than 2.50%
68 — — 73 
Total$206 $13 $335 $53 $607 
Separate Account - Summary
The following table reconciles the Separate Account liabilities to the Separate Account liability balance in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Separate Account Reconciliation
Protection Solutions
Variable Universal Life$17,007 $15,821 
Legacy Segment
GMxB Legacy34,860 33,794 
Individual Retirement
GMxB Core30,820 29,829 
EQUI-VEST Individual4,826 4,582 
Investment Edge4,524 4,275 
Group Retirement
EQUI-VEST Group29,018 26,959 
Momentum4,706 4,421 
Other (1)7,974 7,570 
Total$133,735 $127,251 
______________
(1)Primarily reflects Corporate and Other products and Group Retirement products including Association and Group Retirement Other.
The following table presents the balances of and changes in Separate Account liabilities:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement    
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$15,821 $33,794 $29,829 $4,582 $4,275 $26,959 $4,421 
Premiums and deposits306 54 504 18 310 565 181 
Policy charges (143)(168)(115)(1) (4)(6)
Surrenders and withdrawals(142)(812)(820)(129)(135)(542)(208)
Benefit payments(16)(196)(78)(15)(5)(17)(4)
Investment performance (1)1,229 2,189 1,442 373 258 2,138 314 
Net transfers from (to) General Account
(48)(1)58 (2)(179)(81)8 
Other charges
       
Balance, end of period$17,007 $34,860 $30,820 $4,826 $4,524 $29,018 $4,706 
Cash surrender value$16,648 $34,595 $29,979 $4,792 $4,437 $28,733 $4,699 
_____________
(1)Investment performance is reflected net of M&E fees.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$13,187 $32,616 $27,772 $4,161 $3,798 $22,393 $3,885 
Premiums and deposits287 65 256 26 253 531 178 
Policy charges (137)(178)(115)(1)— (4)(5)
Surrenders and withdrawals(117)(660)(559)(100)(95)(359)(157)
Benefit payments(24)(192)(56)(14)(12)(15)(3)
Investment performance (1)843 1,808 1,202 269 175 1,438 235 
Net transfers from (to) General Account
45 — 49 (3)(140)(69)
Other charges — — — — 25 — 
Balance, end of period$14,084 $33,459 $28,549 $4,342 $3,979 $23,940 $4,142 
Cash surrender value$13,755 $33,181 $27,680 $4,310 $3,885 $23,702 $4,136 
______________
(1)    Investment performance is reflected net of M&E fees.
The following table presents the aggregate fair value of Separate Account assets by major asset category:
March 31, 2024
Protection SolutionsIndividual RetirementGroup Retirement    Corp & OtherLegacy SegmentTotal
(in millions)
Asset Type
Debt securities$46 $1 $20 $6 $ $73 
Common Stock64 35 450 1,713  2,262 
Mutual Funds17,419 41,755 35,235 688 34,951 130,048 
Bonds and Notes91 3 1 1,257  1,352 
Total$17,620 $41,794 $35,706 $3,664 $34,951 $133,735 

December 31, 2023
Protection SolutionsIndividual RetirementGroup Retirement    Corp & OtherLegacy SegmentTotal
(in millions)
Asset Type
Debt securities$48 $$21 $$— $76 
Common Stock65 34 447 1,667 — 2,213 
Mutual Funds16,199 40,113 32,780 689 33,802 123,583 
Bonds and Notes91 1,283 — 1,379 
Total$16,403 $40,152 $33,249 $3,645 $33,802 $127,251 
v3.24.1.u1
EMPLOYEE BENEFIT PLANS
3 Months Ended
Mar. 31, 2024
Retirement Benefits [Abstract]  
EMPLOYEE BENEFIT PLANS EMPLOYEE BENEFIT PLANS
Pension Plans
Holdings and Equitable Financial Retirement Plans
Holdings sponsors the MONY Life Retirement Income Security Plan for Employees and Equitable Financial sponsors the Equitable Retirement Plan (the “Equitable Financial QP”), both of which are frozen qualified defined benefit plans covering eligible employees and financial professionals. These pension plans are non-contributory, and their benefits
are generally based on a cash balance formula and/or, for certain participants, years of service and average earnings over a specified period. Holdings and Equitable Financial also sponsor certain nonqualified defined benefit plans, including the Equitable Excess Retirement Plan, that provide retirement benefits in excess of the amount permitted under the tax law for the qualified plans. Holdings has assumed primary liability for both plans. Equitable Financial remains secondarily liable for its obligations under the Equitable Financial QP and would recognize such liability in the event Holdings does not perform.
AB Retirement Plans
AB maintains a qualified, non-contributory, defined benefit retirement plan covering current and former employees who were employed by AB in the United States prior to October 2, 2000 (the “AB Plan”). Benefits under the AB Plan are based on years of credited service, average final base salary, and primary Social Security benefits. Service and compensation after December 31, 2008 are not taken into account in determining participants’ retirement benefits.
Net Periodic Pension Expense
Components of net periodic pension expense for the Company’s plans were as follows:
Three Months Ended March 31,
20242023
 (in millions)
Service cost$2 $
Interest cost30 31 
Expected return on assets(37)(39)
Prior period service cost amortization(1)(1)
Actuarial (gain) loss — 
Net amortization14 
Net Periodic Pension Expense$8 $
v3.24.1.u1
INCOME TAXES
3 Months Ended
Mar. 31, 2024
Income Tax Disclosure [Abstract]  
INCOME TAXES INCOME TAXES
Income tax expense for the three months ended March 31, 2024 and 2023 was computed using an estimated annual effective tax rate (“ETR”), with discrete items recognized in the period in which they occur. The estimated ETR is revised, as necessary, at the end of successive interim reporting periods.
During the fourth quarter of 2022, the Company established a valuation allowance against its deferred tax asset related to unrealized capital losses in the available for sale securities portfolio. During the year ended December 31, 2023, management took actions to increase its available liquidity so that the Company has the ability and intent to hold the majority of securities in its available for sale portfolio to recovery. For liquidity and other purposes, the Company maintains a smaller pool of securities that it does not intend to hold to recovery. The Company maintains a valuation allowance against the deferred tax asset on available for sale securities that will not be held to recovery.
For the three months ended March 31, 2024, the Company recorded an increase to the valuation allowance of $3 million due to changes in the value of unrealized losses in the available for sale portfolio that will not be held to recovery. This adjustment was recorded in other comprehensive income. A valuation allowance of $237 million remains against the portion of the deferred tax asset that is still not more-likely-than-not to be realized.
The Company uses the aggregate portfolio approach related to the stranded or disproportionate income tax effects in accumulated other comprehensive income related to available for sale securities. Under this approach, the disproportionate tax effect remains intact as long as the investment portfolio remains.
v3.24.1.u1
EQUITY
3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
EQUITY EQUITY
Preferred Stock
Preferred stock authorized, issued and outstanding was as follows:
March 31, 2024December 31, 2023
SeriesShares AuthorizedShares
 Issued
Shares OutstandingShares AuthorizedShares
 Issued
Shares Outstanding
Series A 32,000 32,000 32,000 32,000 32,000 32,000 
Series B 20,000 20,000 20,000 20,000 20,000 20,000 
Series C12,000 12,000 12,000 12,000 12,000 12,000 
Total64,000 64,000 64,000 64,000 64,000 64,000 

Dividends declared per share were as follows:
Three Months Ended March 31,
20242023
Series A dividends declared $328 $328 
Series B dividends declared$ $— 
Series C dividends declared$269 $269 
Common Stock
Dividends declared per share of common stock were as follows:
Three Months Ended March 31,
20242023
Dividends declared$0.22 $0.20 

Share Repurchase
On February 9, 2022, the Company’s Board of Directors authorized a new $1.2 billion share repurchase program. Under this program, the Company may, from time to time purchase shares of its common stock through various means. The Company may choose to suspend or discontinue the repurchase program at any time. The repurchase program does not obligate the Company to purchase any particular number of shares. On February 9, 2023, the Company’s Board of Directors authorized a new $700 million share repurchase program. Under this program, the Company may, from time to time, purchase shares of its common stock through various means. The Company may choose to suspend or discontinue the repurchase program at any time. The repurchase program does not obligate the Company to purchase any particular number of shares. As of March 31, 2024, Holdings had authorized capacity of approximately $1,203 million remaining in its share repurchase program.
Holdings repurchased a total of 7.5 million shares of its common stock at an average price of $33.86 through open market repurchases, ASRs and privately negotiated transactions for the three months ended March 31, 2024, respectively and repurchased a total of 7.3 million shares of its common stock at an average price of $29.16 through open market repurchases, ASRs and privately negotiated transactions for the three months ended March 31, 2023, respectively.
During the three months ended March 31, 2024, Holdings repurchased 4.3 million shares, respectively, of its common stock through open market repurchases. During the three months ended March 31, 2023, Holdings repurchased 4.5 million shares, respectively, of its common stock through open market repurchases.
In March 2024 Holdings entered into an ASR with a third-party financial institution to repurchase an aggregate of $50 million of Holdings’ common stock, Pursuant to the ASR, Holdings made a pre-payment of $50 million and received initial delivery of 1.0 million Holdings’ shares. The ASR terminated in April 2024, at which time an additional 235,302 shares of common stock were received.
In December 2023, Holdings established an obligation to enter into an ASR with a third-party financial institution to repurchase an aggregate of $95 million of Holdings’ common stock. Pursuant to the ASR, on January 4, 2024, Holdings made a pre-payment of $95 million and received initial delivery of 2.3 million shares. The ASR terminated in January 2024, at which time an additional 625,040 shares of common stock were received.
Accumulated Other Comprehensive Income (Loss)
AOCI represents cumulative gains (losses) on items that are not reflected in net income (loss). The balances as of March 31, 2024 and December 31, 2023 follow:
 March 31, 2024December 31, 2023
 
(in millions)
Unrealized gains (losses) on investments$(7,183)$(6,638)
Market risk benefits - instrument-specific credit risk component(601)(633)
Liability for future policy benefits - current discount rate component306 182 
Defined benefit pension plans(645)(652)
Foreign currency translation adjustments(87)(76)
Total accumulated other comprehensive income (loss)(8,210)(7,817)
Less: Accumulated other comprehensive income (loss) attributable to noncontrolling interest(44)(40)
Accumulated other comprehensive income (loss) attributable to Holdings$(8,166)$(7,777)

The components of OCI, net of taxes are as three months ended March 31, 2024 and 2023 follow:
Three Months Ended March 31,
 20242023
 (in millions)
Change in net unrealized gains (losses) on investments:
Net unrealized gains (losses) arising during the period$(543)$1,571 
(Gains) losses reclassified into net income (loss) during the period (1)21 63 
Net unrealized gains (losses) on investments(522)1,634 
Adjustments for policyholders’ liabilities, DAC, insurance liability loss recognition and other9 (8)
Change in unrealized gains (losses), net of adjustments (net of deferred income tax expense (benefit) of $(133) and $341)
(513)1,626 
Change in LFPB discount rate and MRB credit risk, net of tax
Market risk benefits - changes in instrument-specific credit risk (net of deferred income tax expense (benefit) of $7 and $249)
25 938 
Liability for future policy benefits - changes in current discount rate (net of deferred income tax expense (benefit) of $26 and $(30) )
98 (112)
Change in defined benefit plans:
Reclassification to Net income (loss) of amortization of net prior service credit included in net periodic cost8 20 
Change in defined benefit plans (net of deferred income tax expense (benefit) of $(2), and $(6))
8 20 
Foreign currency translation adjustments:
Foreign currency translation gains (losses) arising during the period(11)
Foreign currency translation adjustment(11)
Total other comprehensive income (loss), net of income taxes(393)2,478 
Less: Other comprehensive income (loss) attributable to noncontrolling interest(4)
Other comprehensive income (loss) attributable to Holdings$(389)$2,476 
______________
(1)See “Reclassification adjustment” in Note 3 of the Notes to these Consolidated Financial Statements. Reclassification amounts presented net of income tax expense (benefit) of $(5) million and $(17) million for the three months ended March 31, 2024 and 2023, respectively.
Investment gains and losses reclassified from AOCI to net income (loss) primarily consist of realized gains (losses) on sales and credit losses of AFS securities and are included in total investment gains (losses), net on the consolidated statements of income (loss). Amounts reclassified from AOCI to net income (loss) as related to defined benefit plans primarily consist of amortization of net (gains) losses and net prior service cost (credit) recognized as a component of net periodic cost and reported in compensation and benefits in the consolidated statements of income (loss). Amounts presented in the table above are net of tax.
v3.24.1.u1
REDEEMABLE NONCONTROLLING INTEREST
3 Months Ended
Mar. 31, 2024
Noncontrolling Interest [Abstract]  
REDEEMABLE NONCONTROLLING INTEREST REDEEMABLE NONCONTROLLING INTEREST
The changes in the components of redeemable noncontrolling interests were as follows:
Three Months Ended March 31,
 20242023
(in millions)
Balance, beginning of period$770 $455 
Net earnings (loss) attributable to redeemable noncontrolling interests18 12 
Purchase/change of redeemable noncontrolling interests203 146 
Balance, end of period$991 $613 
v3.24.1.u1
COMMITMENTS AND CONTINGENT LIABILITIES
3 Months Ended
Mar. 31, 2024
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS AND CONTINGENT LIABILITIES COMMITMENTS AND CONTINGENT LIABILITIES
Litigation and Regulatory Matters
Litigation, regulatory and other loss contingencies arise in the ordinary course of the Company’s activities as a diversified financial services firm. The Company is a defendant in a number of litigation matters arising from the conduct of its business. In some of these matters, claimants seek to recover very large or indeterminate amounts, including compensatory, punitive, treble and exemplary damages. Modern pleading practice permits considerable variation in the assertion of monetary damages and other relief. Claimants are not always required to specify the monetary damages they seek, or they may be required only to state an amount sufficient to meet a court’s jurisdictional requirements. Moreover, some jurisdictions allow claimants to allege monetary damages that far exceed any reasonably possible verdict. The variability in pleading requirements and past experience demonstrates that the monetary and other relief that may be requested in a lawsuit or claim often bears little relevance to the merits or potential value of a claim. Litigation against the Company includes a variety of claims including, among other things, insurers’ sales practices, alleged agent misconduct, alleged failure to properly supervise agents, contract administration, product design, features and accompanying disclosure, COI increases, payments of death benefits and the reporting and escheatment of unclaimed property, alleged breach of fiduciary duties, alleged mismanagement of client funds and other matters.
The outcome of a litigation or regulatory matter is difficult to predict, and the amount or range of potential losses associated with these or other loss contingencies requires significant management judgment. It is not possible to predict the ultimate outcome or to provide reasonably possible losses or ranges of losses for all pending regulatory matters, litigation and other loss contingencies. While it is possible that an adverse outcome in certain cases could have a material adverse effect upon the Company’s financial position, based on information currently known, management believes that neither the outcome of pending litigation and regulatory matters, nor potential liabilities associated with other loss contingencies, are likely to have such an effect. However, given the large and indeterminate amounts sought in certain litigation and the inherent unpredictability of all such matters, it is possible that an adverse outcome in certain of the Company’s litigation or regulatory matters, or liabilities arising from other loss contingencies, could, from time to time, have a material adverse effect upon the Company’s results of operations or cash flows in a particular quarterly or annual period.
For some matters, the Company is able to estimate a range of loss. For such matters in which a loss is probable, an accrual has been made. For matters where the Company believes a loss is reasonably possible, but not probable, no accrual is required. For matters for which an accrual has been made, but there remains a reasonably possible range of loss in excess of the amounts accrued or for matters where no accrual is required, the Company develops an estimate of the unaccrued amounts of the reasonably possible range of losses. As of March 31, 2024, the Company estimates the aggregate range of reasonably possible losses, in excess of any amounts accrued for these matters as of such date, to be up to approximately $100 million.
For other matters, the Company is currently not able to estimate the reasonably possible loss or range of loss. The Company is often unable to estimate the possible loss or range of loss until developments in such matters have provided sufficient information to support an assessment of the range of possible loss, such as quantification of a damage demand from plaintiffs, discovery from plaintiffs and other parties, investigation of factual allegations, rulings by a court on motions or appeals, analysis by experts and the progress of settlement discussions. On a quarterly and annual basis, the Company reviews relevant information with respect to litigation and regulatory contingencies and updates the Company’s accruals, disclosures and reasonably possible losses or ranges of loss based on such reviews.
In February 2016, a lawsuit was filed in the Southern District of New York entitled Brach Family Foundation, Inc. v. AXA Equitable Life Insurance Company. This lawsuit is a putative class action brought on behalf of all owners of UL policies subject to Equitable Financial’s COI rate increase. In early 2016, Equitable Financial raised COI rates for certain UL policies issued between 2004 and 2008, which had both issue ages 70 and above and a current face value amount of $1 million and above. A second putative class action was filed in the District of Arizona in 2017 and consolidated with the Brach matter in federal court in New York. The consolidated amended class action complaint alleged the following claims: breach of contract; misrepresentations in violation of Section 4226 of the New York Insurance Law; violations of New York General Business Law Section 349; and violations of the California Unfair Competition Law, and the California Elder Abuse Statute. Plaintiffs sought: (a) compensatory damages, costs, and, pre- and post-judgment interest; (b) with respect to their claim concerning Section 4226, a penalty in the amount of premiums paid by the plaintiffs and the putative class; and (c) injunctive relief and attorneys’ fees in connection with their statutory claims. In August 2020, the federal district court issued a decision certifying nationwide breach of contract and Section 4226 classes, and a New York State Section 349 class. Owners of a substantial number of policies opted out of the Brach class action. Most have settled pre-litigation, but a minority of opt-out policies are not yet the subject of litigation. Others filed suit previously, including three pending individual federal actions that were coordinated with the Brach action and contained similar allegations. In May 2023, the Brach class action and Equitable Financial informed the federal district court that they had mutually agreed to settle the class action, and in October 2023, the federal district court entered an order of final approval of the settlement agreement. Equitable Financial is fully accrued for the class settlement, which will have no impact on earnings or distributable cash projections. In October 2023, Equitable Financial and the three plaintiffs with individual federal actions coordinated with the Brach action informed the court that they had reached a settlement, and those actions were dismissed. Equitable Financial is likewise fully accrued for those individual settlements, which will have no impact on earnings or distributable cash projections. Equitable Financial has settled other actual and threatened litigations challenging the COI increase by individual policy owners and entities.
Finally, one action is also pending against Equitable Financial in New York state court. In July 2022, the trial court in Hobish v. AXA Equitable Life Insurance Company, granted in significant part Equitable Financial’s motion for summary judgment and denied plaintiff’s cross motion. That plaintiff appealed but the appellate court affirmed the trial court’s decision. In March 2024, the intermediate appellate court granted plaintiff’s motion for leave to appeal to the state’s highest appellate court. Equitable Financial is vigorously defending each of these matters.
As with other financial services companies, Equitable Financial periodically receives informal and formal requests for information from various state and federal governmental agencies and self-regulatory organizations in connection with inquiries and investigations of the products and practices of the Company or the financial services industry. It is the practice of the Company to cooperate fully in these matters.
Obligations under Funding Agreements
Pre-Capitalized Trust Securities (“P-Caps”)
In April 2019, pursuant to separate Purchase Agreements among Holdings, Credit Suisse Securities (USA) LLC, as representative of the several initial purchasers, and the Trusts (as defined below), Pine Street Trust I, a Delaware statutory trust (the “2029 Trust”), completed the issuance and sale of 600,000 of its Pre-Capitalized Trust Securities redeemable February 15, 2029 (the “2029 P-Caps”) for an aggregate purchase price of $600 million and Pine Street Trust II, a Delaware statutory trust (the “2049 Trust” and, together with the 2029 Trust, the “Trusts”), completed the issuance and sale of 400,000 of its Pre-Capitalized Trust Securities redeemable February 15, 2049 (the “2049 P-Caps” and, together with the 2029 P-Caps, the “P-Caps”) for an aggregate purchase price of $400 million in each case to qualified institutional buyers in reliance on Rule 144A that are also “qualified purchasers” for purposes of Section 3(c)(7) of the Investment Company Act of 1940, as amended.
The P-Caps are an off-balance sheet contingent funding arrangement that, upon Holdings’ election, gives Holdings the right over a ten-year period (in the case of the 2029 Trust) or over a thirty-year period (in the case of the 2049 Trust) to
issue senior notes to these Trusts. The Trusts each invested the proceeds from the sale of their P-Caps in separate portfolios of principal and/or interest strips of U.S. Treasury securities. In return, Holdings will pay a semi-annual facility fee to the 2029 Trust and 2049 Trust calculated at a rate of 2.125% and 2.715% per annum, respectively, which will be applied to the unexercised portion of the contingent funding arrangement and Holdings will reimburse the Trusts for certain expenses. The facility fees are recorded in other operating costs and expenses in the consolidated statements of income (loss).
Federal Home Loan Bank (“FHLB”)
As a member of the FHLB, Equitable Financial has access to collateralized borrowings. It also may issue funding agreements to the FHLB. Both the collateralized borrowings and funding agreements would require Equitable Financial to pledge qualified mortgage-backed assets and/or government securities as collateral. Equitable Financial issues short-term funding agreements to the FHLB and uses the funds for asset, liability, and cash management purposes. Equitable Financial issues long-term funding agreements to the FHLB and uses the funds for spread lending purposes.
Entering into FHLB membership, borrowings and funding agreements requires the ownership of FHLB stock and the pledge of assets as collateral. Equitable Financial has purchased FHLB stock of $336 million and pledged collateral with a carrying value of $9.5 billion as of March 31, 2024.
Funding agreements are reported in policyholders’ account balances in the consolidated balance sheets. For other instruments used for asset/liability and cash management purposes, see “Offsetting of Financial Assets and Liabilities and Derivative Instruments” included in Note 4 of the Notes to these Consolidated Financial Statements. The table below summarizes the Company’s activity of funding agreements with the FHLB.
Change in FHLB Funding Agreements during the Three Months Ended March 31, 2024
Outstanding Balance at December 31, 2023Issued During the PeriodRepaid During the PeriodLong-term Agreements Maturing Within One YearLong-term Agreements Maturing Within Five YearsOutstanding Balance at March 31, 2024
(in millions)
Short-term funding agreements:
Due in one year or less$6,168 $15,193 $(15,643)$ $ $5,718 
Long-term funding agreements:
Due in years two through five799     799 
Due in more than five years648     648 
Total long-term funding agreements1,447     1,447 
Total funding agreements (1)$7,615 $15,193 $(15,643)$ $ $7,165 
_____________
(1)The $3 million and $3 million difference between the funding agreements carrying value shown in fair value table for March 31, 2024 and December 31, 2023, respectively, reflects the remaining amortization of a hedge implemented and closed, which locked in the funding agreements borrowing rates.
Funding Agreement-Backed Notes Program (“FABN”)
Under the FABN program, Equitable Financial may issue funding agreements in U.S. dollar or other foreign currencies to a Delaware special purpose statutory trust (the “Trust”) in exchange for the proceeds from issuances of fixed and floating rate medium-term marketable notes issued by the Trust from time to time (the “Trust Notes”). The funding agreements have matching interest, maturity and currency payment terms to the applicable Trust Notes. The Company hedges the foreign currency exposure of foreign currency denominated funding agreements using cross currency swaps as discussed in Note 4 of the Notes to these Consolidated Financial Statements. As of March 31, 2024, the maximum aggregate principal amount of Trust Notes permitted to be outstanding at any one time is $10.0 billion. Funding agreements issued to the Trust, including any foreign currency transaction adjustments, are reported in policyholders’ account balances in the consolidated balance sheets. Foreign currency transaction adjustments to policyholder’s account balances are recognized in net income (loss) as an adjustment to interest credited to policyholders’ account balances and are offset in interest credited to policyholders’ account balances by a release of
AOCI from deferred changes in fair value of designated and qualifying cross currency swap cash flow hedges. The table below summarizes Equitable Financial’s activity of funding agreements under the FABN program.
Change in FABN Funding Agreements during the Three Months Ended March 31, 2024
Outstanding Balance at December 31, 2023Issued During the PeriodRepaid During the PeriodLong-term Agreements Maturing Within One YearLong-term Agreements Maturing Within Five YearsForeign Currency Transaction AdjustmentOutstanding Balance at March 31,
2024
(in millions)
Short-term funding agreements:
Due in one year or less$1,000 $ $ $ $ $ $1,000 
Long-term funding agreements:
Due in years two through five4,984     (16)4,968 
Due in more than five years300      300 
Total long-term funding agreements5,284     (16)5,268 
Total funding agreements (1)$6,284 $ $ $ $ $(16)$6,268 
_____________
(1)The $16 million and $17 million difference between the funding agreements notional value shown and carrying value table as of March 31, 2024 and December 31, 2023, respectively, reflects the remaining amortization of the issuance cost of the funding agreements and the foreign currency transaction adjustment.
Funding Agreement-Backed Commercial Paper Program (“FABCP”)
In May 2023, Equitable Financial and Equitable America established a FABCP program, pursuant to which a SPLLC may issue commercial paper and deposit the proceeds with Equitable Financial or Equitable America pursuant to a funding agreement issued by Equitable Financial or Equitable America to the SPLLC. The current maximum aggregate principal amount permitted to be outstanding at any one time under the FABCP program is $3.0 billion for Equitable Financial and $1.0 billion for Equitable America. As of March 31, 2024, Equitable Financial and Equitable America had $675 million and $0 million outstanding under the program, respectively.
Credit Facilities
For information regarding activity pertaining to our credit facilities arrangements, see Note 14 of the Notes to these Consolidated Financial Statements.
Guarantees and Other Commitments
The Company provides certain guarantees or commitments to affiliates and others. As of March 31, 2024, these arrangements include commitments by the Company to provide equity financing of $1.3 billion to certain limited partnerships and real estate joint ventures under certain conditions. Management believes the Company will not incur material losses as a result of these commitments.
The Company had $17 million of undrawn letters of credit related to reinsurance as of March 31, 2024. The Company had $700 million of commitments under existing mortgage loan agreements as of March 31, 2024.
The Company is the obligor under certain structured settlement agreements it had entered into with unaffiliated insurance companies and beneficiaries. To satisfy its obligations under these agreements, the Company owns single premium annuities issued by previously wholly-owned life insurance subsidiaries. The Company has directed payment under these annuities to be made directly to the beneficiaries under the structured settlement agreements. A contingent liability exists with respect to these agreements should the previously wholly-owned subsidiaries be unable to meet their obligations. Management believes the need for the Company to satisfy those obligations is remote.
v3.24.1.u1
BUSINESS SEGMENT INFORMATION
3 Months Ended
Mar. 31, 2024
Segment Reporting [Abstract]  
BUSINESS SEGMENT INFORMATION BUSINESS SEGMENT INFORMATION
As previously announced, effective January 1, 2023, our financial reporting presentation was revised to reflect the reorganization of the Company’s reportable segments to reflect how the Company’s chief operating decision maker
now makes operating decisions and assesses performance. We now have six reportable segments. Prior period results have been revised in connection with updates to our reportable segments.
The six reportable segments are: Individual Retirement, Group Retirement, Investment Management and Research, Protection Solutions, Wealth Management and Legacy.
These segments reflect the manner by which the Company’s chief operating decision maker views and manages the business. A brief description of these segments follows:
The Individual Retirement segment offers a diverse suite of variable annuity products which are primarily sold to affluent and high net worth individuals saving for retirement or seeking retirement income.
The Group Retirement segment offers tax-deferred investment and retirement services or products to plans sponsored by educational entities, municipalities, and not-for-profit entities, as well as small and medium-sized businesses.
The Investment Management and Research segment provides diversified investment management, research, and related solutions globally to a broad range of clients through three main client channels - Institutional, Retail and Private Wealth - and distributes its institutional research products and solutions through Bernstein Research Services.
The Protection Solutions segment includes our life insurance and group employee benefits businesses. Our life insurance business offers a variety of VUL, UL and term life products to help affluent and high net worth individuals, as well as small and medium-sized business owners, with their wealth protection, wealth transfer and corporate needs. Our group employee benefits business offers a suite of life, and short- and long-term disability, dental and vision insurance products to small and medium-size businesses across the United States.
The Wealth Management segment offers discretionary and non-discretionary investment advisory accounts, financial planning and advice, life insurance, and annuity products through Equitable Advisors.
The Legacy segment primarily consists of the capital intensive fixed-rate GMxB business written in the Individual Retirement market prior to 2011. This business offered GMDB features in isolation or together with GMLB features. This business also historically offered variable annuities with four types of guaranteed living benefit riders: GMIB, GWBL/GMWB, and GMAB.
Measurement
Operating earnings (loss) is the financial measure which primarily focuses on the Company’s segments’ results of operations as well as the underlying profitability of the Company’s core business. By excluding items that can be distortive and unpredictable such as investment gains (losses) and investment income (loss) from derivative instruments, the Company believes operating earnings (loss) by segment enhances the understanding of the Company’s underlying drivers of profitability and trends in the Company’s segments.
Operating earnings is calculated by adjusting each segment’s net income (loss) attributable to Holdings for the following items:
Items related to variable annuity product features, which include: (i) changes in the fair value of market risk benefits and purchased market risk benefits, including the related attributed fees and claims, offset by derivatives and other securities used to hedge the market risk benefits which result in residual net income volatility as the change in fair value of certain securities is reflected in OCI and due to our statutory capital hedge program; and (ii) market adjustments to deposit asset or liability accounts arising from reinsurance agreements which do not expose the reinsurer to a reasonable possibility of a significant loss from insurance risk;
Investment (gains) losses, which includes credit loss impairments of securities/investments, sales or disposals of securities/investments, realized capital gains/losses and valuation allowances;
Net actuarial (gains) losses, which includes actuarial gains and losses as a result of differences between actual and expected experience on pension plan assets or projected benefit obligation during a given period related to pension, other postretirement benefit obligations, and the one-time impact of the settlement of the defined benefit obligation;
Other adjustments, which primarily include restructuring costs related to severance and separation, lease write-offs related to non-recurring restructuring activities, COVID-19 related impacts, net derivative gains
(losses) on certain Non-GMxB derivatives, net investment income from certain items including consolidated VIE investments, seed capital mark-to-market adjustments, unrealized gain/losses and realized capital gains/losses from sales or disposals of select securities, certain legal accruals; a bespoke deal to repurchase UL policies from one entity that had invested in numerous policies purchased in the life settlement market, which disposed of the risk of additional COI litigation by that entity related to those UL policies, impact of the annual actuarial assumption updates attributable to LFPB; and
Income tax expense (benefit) related to the above items and non-recurring tax items, which includes the effect of uncertain tax positions for a given audit period and changes to the deferred tax valuation allowance.
The General Account investment portfolio is used to support the insurance and annuity liabilities of our Individual Retirement, Group Retirement, Protection Solutions and Legacy business segments.
In the fourth quarter of 2023, the Company updated its operating earnings measure to exclude the impact of realized amounts related to equity classified instruments. The recognition of the realized capital gains and losses from investments in current net investment income is generally considered distortive and not reflective of the ongoing core business activities of the segments. The presentation of operating earnings in prior periods was not revised to reflect this modification. The impact to operating earnings was immaterial for the three months ended March 31, 2023.
In the first quarter of 2024, the Company began allocating to its business segments collateral expense resulting from a designated rate to be paid on the collateral held back to counterparties. The new segment allocation methodology for collateral expense is based on the income earned on cash equivalents held in the surplus segments and income earned in portfolios backing collateral expenses, such that the collateral expense would be allocated to the segments up to that amount. Any remaining amount is included within Corporate and Other. This expense was previously recorded in Corporate and Other with no allocation to our business segments in prior reporting periods.
The presentation of operating earnings in prior periods was not revised to reflect this modification, however, the Company estimated that allocating collateral expense to the segments for the twelve months ended December 31, 2023 and 2022, respectively, would have resulted in a decrease to operating earnings of $4.0 million and $0.8 million for Individual Retirement, $7.7 million and $1.4 million for Group Retirement, $21.9 million and $2.5 million for Protection Solutions, $4.2 million and $1.0 million for Legacy, and an increase of $37.8 million and $5.7 million for Corporate and Other. The impact to operating earnings for each segment during the quarters of 2023 was not material. Total Company operating earnings were not impacted.
Revenues derived from any customer did not exceed 10% of revenues for the three months ended March 31, 2024 and 2023.
The Company accounts for inter-segment sales and transfers as if the sales or transfers were to third parties, that is, at current market prices.
The table below presents operating earnings (loss) by segment and Corporate and Other and a reconciliation to net income (loss) attributable to Holdings:
 Three Months Ended March 31,
 20242023
(in millions)
Net income (loss) attributable to Holdings$114 $177 
Adjustments related to:
Variable annuity product features
319 861 
Investment (gains) losses39 87 
Net actuarial (gains) losses related to pension and other postretirement benefit obligations17 
Other adjustments (1)
91 45 
Income tax expense (benefit) related to above adjustments (98)(210)
Non-recurring tax items (2)
8 (605)
Non-GAAP Operating Earnings$490 $364 
 Three Months Ended March 31,
 20242023
(in millions)
Operating earnings (loss) by segment:
Individual Retirement$228 $200 
Group Retirement$126 $89 
Investment Management and Research$106 $99 
Protection Solutions$41 $(35)
Wealth Management$43 $32 
Legacy$51 $60 
Corporate and Other (3)
$(105)$(81)
______________
(1)Includes certain gross legal expenses related to the cost of insurance litigation of $106 million for the three months ended March 31, 2024.
(2)For the three months ended March, 31 2024, non-recurring tax items reflects the effect of uncertain tax positions for a given audit period and for the three months ended March 31, 2023 primarily includes a decrease of the deferred tax valuation allowance of $614 million.
(3)Includes interest expense and financing fees of $56 million and $67 million for the three months ended March 31, 2024 and 2023, respectively.
Segment revenues is a measure of the Company’s revenue by segment as adjusted to exclude certain items. The following table reconciles segment revenues to total revenues by excluding the following items:
Items related to variable annuity product features, which include certain changes in the fair value of the derivatives and other securities we use to hedge these features and changes in the fair value of the embedded derivatives reflected within the net derivative results of variable annuity product features;
Investment (gains) losses, which includes credit loss impairments of securities/investments, sales or disposals of securities/investments, realized capital gains/losses and valuation allowances;
Other adjustments, which primarily includes net derivative gains (losses) on certain Non-GMxB derivatives and net investment income from certain items including consolidated VIE investments, seed capital mark-to-market adjustments and unrealized gain/losses associated with equity securities.
The table below presents revenues by segment and Corporate and Other:
 
Three Months Ended March 31,
 
20242023
(in millions)
Segment revenues:
Individual Retirement (1)$766 $588 
Group Retirement (1)292 237 
Investment Management and Research (2)1,093 1,009 
Protection Solutions (1)825 767 
Wealth Management (3)423 362 
Legacy (1)210 206 
Corporate and Other (1)
246 281 
Eliminations(216)(180)
Adjustments related to:
Variable annuity product features(319)(861)
Investment gains (losses), net(39)(87)
Other adjustments to segment revenues(1,051)35 
Total revenues$2,230 $2,357 
______________
(1)Includes investment expenses charged by AB of $36 million and $38 million for the three months ended March 31, 2024 and 2023, respectively, for services provided to the Company.
(2)Inter-segment investment management and other fees of $42 million and $43 million for the three months ended March 31, 2024 and 2023, respectively, are included in segment revenues of the Investment Management and Research segment.
(3)Inter-segment distribution fees of $200 million and $175 million for the three months ended March 31, 2024 and 2023, respectively, are included in segment revenues of the Wealth Management segment.
Total assets by segment were as follows:
 
March 31, 2024December 31, 2023
(in millions)
Total assets by segment:
Individual Retirement$94,514 $90,805 
Group Retirement49,351 47,260 
Investment Management and Research11,276 11,088 
Protection Solutions40,102 38,933 
Wealth Management199 144 
Legacy49,711 49,487 
Corporate and Other40,424 39,097 
Total assets$285,577 $276,814 
v3.24.1.u1
INSURANCE STATUTORY FINANCIAL INFORMATION
3 Months Ended
Mar. 31, 2024
Insurance [Abstract]  
INSURANCE STATUTORY FINANCIAL INFORMATION INSURANCE STATUTORY FINANCIAL INFORMATION
Prescribed and Permitted Accounting Practices
As of March 31, 2024, the following five prescribed and permitted practices resulted in net income (loss) and capital and surplus that is different from the statutory surplus that would have been reported had NAIC statutory accounting practices been applied.
Equitable Financial was granted a permitted practice by the NYDFS to apply SSAP 108, Derivatives Hedging Variable Annuity Guarantees on a retroactive basis from January 1, 2021 through June 30, 2021, after reflecting the impacts of our reinsurance transaction with Venerable. The permitted practice was amended to also permit Equitable Financial to adopt SSAP 108 prospectively as of July 1, 2021 and to consider the impact of both the interest rate derivatives and the
General Account assets used to fully hedge the interest rate risk inherent in its variable annuity guarantees when determining the amount of the deferred asset or liability under SSAP 108. Application of the permitted practice partially mitigates the New York Insurance Regulation 213 (“Reg 213”) impact of the Venerable Transaction on Equitable Financial’s statutory capital and surplus and enables Equitable Financial to more effectively neutralize the impact of interest rates on its statutory surplus and to better align with our economic hedging program. The impact of applying this permitted practice relative to SSAP 108 as written was a decrease of approximately $32 million in statutory special surplus funds as of March 31, 2024. The Reinsurance Treaty reduced the amount of interest rate hedging needed at Equitable Financial going forward, affecting future deferrals, but leaves our historical SSAP 108 deferred amounts unchanged. The permitted practice also reset Equitable Financial’s unassigned surplus to zero as of June 30, 2021 to reflect the transformative nature of the Venerable Transaction.
The NAIC Accounting Practices and Procedures manual (“NAIC SAP”) has been adopted as a component of prescribed or permitted practices by the State of New York. However, Reg 213 adopted in May of 2019 and as amended in February 2020 and March 2021, differs from the NAIC variable annuity reserve and capital framework. Reg 213 requires Equitable Financial to carry statutory basis reserves for its variable annuity contract obligations equal to the greater of those required under (i) the NAIC standard or (ii) a revised version of the NYDFS requirement in effect prior to the adoption of the first amendment for contracts issued prior to January 1, 2020, and for policies issued after that date a new standard that in current market conditions imposes more conservative reserving requirements for variable annuity contracts than the NAIC standard.
The impact of the application of Reg 213 was a decrease of approximately $182 million in statutory surplus as of March 31, 2024 compared to statutory surplus under the NAIC variable annuity framework. Our hedging program is designed to hedge the economics of our insurance liabilities and largely offsets Reg 213 and NAIC framework reserve movements due to interest rates and equities. The NYDFS allows domestic insurance companies a five year phase-in provision for Reg 213 reserves. As of September 30, 2022, Equitable Financial’s Reg 213 reserves were 100% phased-in. As of March 31, 2024, given the prevailing market conditions and business mix, there are $173 million Reg 213 redundant reserves over the US RBC CTE 98 total asset requirement (“TAR”).
During the fourth quarter 2020, Equitable Financial received approval from NYDFS for its proposed amended Plan of Operation for Separate Account No. 68 (“SA 68”) for our Structured Capital Strategies product and Separate Account No. 69 (“SA 69”) for our EQUI-VEST product Structured Investment Option, to change the accounting basis of these two non-insulated Separate Accounts from fair value to book value in accordance with Section 1414 of the Insurance Law to align with how we manage and measure our overall General Account asset portfolio. In order to facilitate this change and comply with Section 4240(a)(10), the Company also sought approval to amend the Plans to remove the requirement to comply with Section 4240(a)(5)(iii) and substitute it with a commitment to comply with Section 4240(a)(5)(i). Similarly, the Company updated the reserves section of each Plan to reflect the fact that Regulation 128 would no longer be applicable upon the change in accounting basis. We applied this change effective January 1, 2021. The impact of the application is an increase of approximately $1.8 billion in statutory surplus as of March 31, 2024.

During 2022, Equitable America received approval from the Arizona Department of Insurance and Financial Institutions pursuant to A.R.S. 20-515 for Separate Account No. 68A (“SA 68A”) for our Structured Capital Strategies product, Separate Account No. 69A (“SA 69A”) for our EQUI-VEST product Structured Investment Option and Separate Account No. 71A (“SA 71A”) for our Investment Edge Structured Investment Option, to permit us to use book value as the accounting basis of these three non-insulated Separate Accounts instead of fair value in accordance with the NAIC Accounting and Practices and Procedures Manual to align with how we manage and measure our overall General Account asset portfolio. The impact of the application is a decrease of approximately $72 million in statutory surplus as of March 31, 2024.
The Arizona Department of Insurance and Financial Institutions granted to Equitable America a permitted practice to deviate from SSAP No. 108 by applying special accounting treatment for specific derivatives hedging variable annuity benefits subject to fluctuations as a result of interest rate sensitivities. The permitted practice expands on SSAP No. 108 hedge accounting to include equity risks for the full scope of Variable Annuity (VA) contracts (i.e., not just the rider guarantees but for the VA total contract). The permitted practice allows Equitable America to adopt SSAP 108 retroactively from October 1, 2023 and applies to both directly held VA hedges as well as VA hedges in the Equitable America funds withheld asset that resulted from the Reinsurance Treaty. In the calculation of the amount of excess VA equity and interest rate derivative hedging gains gains/losses to defer (including Net investment income on our Equity Total Return Swaps), the permitted practice allows us to compare our total equity and interest derivatives gains and losses to 100% of our target liability change. Any hedge gain or loss deferrals will follow SSAP No. 108 amortization rules (i.e. 10-year straight line).
The impact of applying this revised permitted practice relative to SSAP 108 was an increase of approximately $942 million in statutory special surplus funds as of March 31, 2024.
v3.24.1.u1
EARNINGS PER COMMON SHARE
3 Months Ended
Mar. 31, 2024
Earnings Per Share [Abstract]  
EARNINGS PER COMMON SHARE EARNINGS PER COMMON SHARE
The following table presents a reconciliation of net income (loss) and weighted-average common shares used in calculating basic and diluted earnings per common share:
 
Three Months Ended March 31,
 
20242023
(in millions, except per share data)
Weighted-average common shares outstanding:
Weighted-average common shares outstanding basic
330.2 361.9 
Effect of dilutive potential common shares:
Employee share awards (1)2.5 2.2 
Weighted-average common shares outstanding — diluted
332.7 364.1 
Net income (loss):
Net income (loss)$217 $266 
Less: Net income (loss) attributable to the noncontrolling interest103 89 
Net income (loss) attributable to Holdings114 177 
Less: Preferred stock dividends14 14 
Net income (loss) available to Holdings’ common shareholders$100 $163 
Earnings per common share:
Basic$0.30 $0.45 
Diluted$0.30 $0.45 
______________
(1)Calculated using the treasury stock method.
For the three months ended March 31, 2024 and 2023, 3.0 million and 2.5 million, respectively, of outstanding stock awards, were not included in the computation of diluted earnings per share because their effect was anti-dilutive.
v3.24.1.u1
HELD-FOR-SALE
3 Months Ended
Mar. 31, 2024
Discontinued Operations and Disposal Groups [Abstract]  
HELD-FOR-SALE HELD-FOR-SALE
Assets and liabilities related to the business classified as HFS are separately reported in the consolidated balance sheets beginning in the period in which the business is classified as HFS.
AB Bernstein Research Services
On November 22, 2022, AB and Société Générale (“SocGen”), a leading European bank, announced plans to form a joint venture combining their respective cash equities and research businesses (the “Initial Plan”). In the Initial Plan, AB would own a 49% interest in the joint venture and Société Générale would own a 51% interest in the global joint venture, with an option to reach 100% ownership after five years.
During the fourth quarter of 2023, AB and SocGen negotiated a revised plan (the “Revised Plan”) under which SocGen would own a majority of the joint venture outside of North America and AB would own a majority of the joint venture within North America (the “NA JV”, and together the “JVs”). Subsequently, on April 1, 2024, the transaction closed.
As a result of the greater value of the business AB contributed to the JVs, SocGen paid AB $304 million in cash to equalize the value of the contributions by AB and SocGen to the JVs. The cash payment of $304 million included consideration for an option, exercisable by AB during the next five years, that would result in SocGen having a 51%
ownership of the NA JV and bringing the transaction ownership terms back in line with the Initial Plan. AB’s option may only be exercised upon receipt of appropriate regulatory approvals.
Under the terms of the transaction and assuming AB exercises its option as noted above, SocGen would increase its ownership to a majority interest of the NA JV, without further consideration payable. AB has an additional option to sell its ownership interests in the JVs to SocGen after five years, at the fair market value of AB’s interests in the JVs, also assuming receipt of appropriate regulatory approvals. The ultimate objective of SocGen and AB is for SocGen to eventually own 100% of the JVs after five years.
The $304 million cash payment was received on March 27, 2024 in advance of closing, due to certain banking holidays in the U.S. and internationally and was used to pay down debt under AB’s existing credit facilities. AB recorded a liability of $304 million in accounts payable and accrued expenses on its condensed consolidated statement of financial condition as of March 31, 2024.
AB will deconsolidate the BRS business and retain the Bernstein Private Wealth Management business within its existing U.S. broker dealer Sanford C. Bernstein & Co., LLC. The structure of the Board of Directors of the NA JV, which includes two independent directors, precludes AB’s control of the Board thereby permitting deconsolidation of the BRS business. Going forward, AB will maintain an equity method investment in the JVs.
Accordingly, the assets and liabilities of AB’s research services business recorded at fair value, less cost to sell have been classified as held-for-sale in our Consolidated Financial Statements. As a result of classifying these assets as held-for-sale, AB recognized a non-cash valuation adjustment of $6 million and$7 million on the consolidated statement of income, to recognize the net carrying value at lower of cost or fair value, less costs to sell for the three months ended March 31, 2024 and December 31, 2023, respectively. Approximately $7 million in costs to sell have been paid as of March 31, 2024.
The following table summarizes the assets and liabilities classified as held-for-sale on the Company’s consolidated balance sheets:
March 31,
December 31,
2024 (1)2023 (1)
(in millions)
Cash and cash equivalents$319 $153 
Broker-dealer related receivables69 107 
Trading securities, at fair value13 17 
Goodwill and other intangible assets ,net164 164 
Other assets (2)180 124 
Total assets held-for-sale$745 $565 
Broker-dealer related payables$38 $39 
Customers related payables20 17 
Other liabilities181 97 
Total liabilities held-for-sale$239 $153 
______________
(1)The assets and liabilities classified as held-for-sale are reported within our Investment Management & Research segment.
(2)Other assets includes a valuation adjustment decrease of $6 million and $7 million, as of March 31, 2024 and December 31, 2023, respectively.
These assets and liabilities are reported under the Investment Management & Research segment. The Company has determined that AB’s exit from the research business did not represent a strategic shift that had a major effect on AB’s or the Company’s consolidated results of operations, and therefore, are not classified as discontinued operations.
v3.24.1.u1
SUBSEQUENT EVENTS
3 Months Ended
Mar. 31, 2024
Subsequent Events [Abstract]  
SUBSEQUENT EVENTS SUBSEQUENT EVENTSIn March 2024, Holdings established an obligation to enter into an ASR with a third-party financial institution to repurchase an aggregate of $80 million of Holdings’ common stock. Pursuant to the ASR, on April 3, 2024, Holdings made a prepayment of $80 million and received initial delivery of 1.7 million shares. The ASR terminated in May 2024, at which time an additional 466,923 shares of common stock were received.
v3.24.1.u1
Pay vs Performance Disclosure - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Pay vs Performance Disclosure    
Net income (loss) $ 114 $ 177
v3.24.1.u1
Insider Trading Arrangements
3 Months Ended
Mar. 31, 2024
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.24.1.u1
SIGNIFICANT ACCOUNTING POLICIES (Policies)
3 Months Ended
Mar. 31, 2024
Accounting Policies [Abstract]  
Basis of Presentation and Principles of Consolidation
Basis of Presentation and Principles of Consolidation
The unaudited interim consolidated financial statements (the “consolidated financial statements”) have been prepared in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP” or “GAAP”) on a basis consistent with reporting interim financial information in accordance with instructions to the Form 10-Q and Article 10 of Regulation S-X of the Securities and Exchange Commission (“SEC”).
In the opinion of management, all adjustments necessary for a fair statement of the financial position and results of operations have been made. All such adjustments are of a normal, recurring nature. Interim results are not necessarily indicative of the results that may be expected for the full year. These financial statements should be read in conjunction with the Company’s consolidated financial statements included in the Annual Report on Form 10-K for the year ended December 31, 2023.
The accompanying unaudited consolidated financial statements present the consolidated results of operations, financial condition, and cash flows of the Company and its subsidiaries and those investment companies, partnerships and joint ventures in which the Company has control and a majority economic interest as well as those variable interest entities (“VIEs”) that meet the requirements for consolidation.
All significant intercompany transactions and balances have been eliminated in consolidation. The terms “first quarter 2024” and “first quarter 2023” refer to the three months ended March 31, 2024 and 2023, respectively. The terms “first three months of 2024” and “first three months of 2023” refer to the three months ended March 31, 2024 and 2023, respectively.
Future Adoption of New Accounting Pronouncements
Future Adoption of New Accounting Pronouncements
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
ASU 2023-07: Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures
This ASU provides improvements to reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. In addition, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple measures of segment profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and contain other disclosure requirements.




The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods in fiscal years beginning after December 15, 2024. A calendar year public entity will adopt the ASU for its 2024 Form 10-K.
The ASU should be adopted retrospectively to all periods presented in the financial statements unless it is impracticable to do so.



The Company is currently assessing the additional required disclosures under the ASU including providing new segment disclosure requirements for entities with a single reportable segment.
Management is evaluating the impact the adoption of this guidance will have on the Company’s consolidated financial statements.

ASU 2023-09: Income Taxes (Topic 740): Improvements to Income Tax Disclosures
The ASU enhanced existing income tax disclosures primarily related to the rate reconciliation and income taxes paid information. With regard to the improvements to disclosures of rate reconciliation, a public business entity is required on an annual basis to (1) disclose specific categories in the rate reconciliation and (2) provide additional information for reconciling items that meet a quantitative threshold. Similarly, a public entity is required to provide the amount of income taxes paid (net of refunds received) disaggregated by (1) federal, state, and foreign taxes and by(2) individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than 5 percent of total income taxes paid (net of refunds received).
The ASU also includes certain other amendments to improve the effectiveness of income tax disclosures, for example, an entity is required to provide (1) pretax income (or loss) from continuing operations disaggregated between domestic and foreign, and (2) income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign.
The ASU will be effective for annual periods beginning after December 15, 2024. Entities are required to apply the ASU on a prospective basis.
The adoption of ASU 2023-09 is not expected to materially impact the Company’s financial position, results of operation, or cash flows.
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
SEC Release Nos. 33-11275; 34-99678, The Enhancement and Standardization of Climate-Related Disclosures for Investors
The SEC adopted rules requiring registrants to disclose climate-related information in registration statements and annual reports. The new rules include disclosure of material climate-related risks, including descriptions of board oversight and risk management activities. the material impacts of these risks on a registrant’s strategy, business model and outlook and any material climate-related targets or goals. In addition, registrants will need to quantify certain effects of severe weather events and other natural conditions in a note to their audited financial statements. In April 2024, citing litigation challenging the rules that commenced immediately after they were issued, the SEC issued an order staying applicability of the rules while judicial review proceeds.
Financial statement and all other disclosures are required at the beginning of the fiscal year 2025 with disclosures about material expenditure and impact required at the beginning of the fiscal year 2026. Disclosures are provided prospectively upon adoption. Scope 1 and Scope 2 Greenhouse gas emissions are required in 2026 with limited assurance in 2029 and reasonable assurance in 2033. Disclosures are provided prospectively upon adoption.
The Company is currently assessing the additional required disclosures under the SEC Release. Management is evaluating the impact of the adoption of this guidance will have on the Company’s consolidated financial statements.
Accounting and Consolidation of VIEs
Accounting and Consolidation of VIEs
For all new investment products and entities developed by the Company, the Company first determines whether the entity is a VIE, which involves determining an entity’s variability and variable interests, identifying the holders of the equity investment at risk and assessing the five characteristics of a VIE. Once an entity is determined to be a VIE, the Company then determines whether it is the primary beneficiary of the VIE based on its beneficial interests. If the Company is deemed to be the primary beneficiary of the VIE, the Company consolidates the entity.
Quarterly, management of the Company reviews its investment management agreements and its investments in, and other financial arrangements with, certain entities that hold client AUM to determine the entities the Company is required to consolidate under this guidance. These entities include certain mutual fund products, hedge funds, structured products, group trusts, collective investment trusts, and limited partnerships.
The analysis performed to identify variable interests held, determine whether entities are VIEs or VOEs, and evaluate whether the Company has a controlling financial interest in such entities requires the exercise of judgment and is updated on a continuous basis as circumstances change or new entities are developed. The primary beneficiary evaluation generally is performed qualitatively based on all facts and circumstances, including consideration of economic interests in the VIE held directly and indirectly through related parties and entities under common control, as well as quantitatively, as appropriate.
Consolidated VIEs
Consolidated CLOs
The Company is the investment manager of certain asset-backed investment vehicles, commonly referred to as CLOs, and certain other vehicles for which the Company earns fee income for investment management services. The Company may sell or syndicate investments through these vehicles, principally as part of the strategic investing activity as part of its investment management businesses. Additionally, the Company may invest in securities issued by these vehicles which are eliminated in consolidation of the CLOs.
As of March 31, 2024 and December 31, 2023, respectively, Equitable Financial holds $110 million and $113 million of equity interests in the CLOs. The Company consolidated the CLOs as of March 31, 2024 and December 31, 2023 as it is the primary beneficiary due to the combination of both its equity interest held by Equitable Financial and the majority ownership of AB, which functions as the CLOs loan manager. The assets of the CLOs are legally isolated from the Company’s creditors and can only be used to settle obligations of the CLOs. The liabilities of the CLOs are non-recourse to the Company and the Company has no obligation to satisfy the liabilities of the CLOs. As of March 31, 2024, Equitable Financial holds $24 million of equity interests in a SPE established to purchase loans from the market in anticipation of a new CLO transaction. The Company consolidated the SPE as of March 31, 2024 as it is the primary beneficiary due to the combination of both its equity interest held by Equitable Financial and the majority ownership of AB, which functions as the SPE loan manager.
Resulting from this consolidation in the Company’s consolidated balance sheets are fixed maturities, at fair value using the fair value option with total assets of $1.7 billion and $1.7 billion notes issued by consolidated variable interest entities, at fair value using the fair value option with total liabilities of $1.6 billion and $1.6 billion at March 31, 2024 and December 31, 2023, respectively. The unpaid outstanding principal balance of the notes and short-term borrowing is $1.6 billion and $1.6 billion at March 31, 2024 and December 31, 2023.
Consolidated Limited Partnerships and LLCs
As of March 31, 2024 and December 31, 2023 the Company consolidated limited partnerships and LLCs for which it was identified as the primary beneficiary under the VIE model. Included in other invested assets, mortgage loans on real estate, other equity investments, trading securities, cash and other liabilities in the Company’s consolidated balance sheets at March 31, 2024 and December 31, 2023 are total net assets of $2.5 billion and $1.8 billion, respectively related to these VIEs.
Consolidated AB-Sponsored Investment Funds
Included in the Company’s consolidated balance sheets as of March 31, 2024 and December 31, 2023 are assets of $188 million and $309 million, liabilities of $10 million and $10 million, and redeemable noncontrolling interests of $104 million and $203 million, respectively, associated with the consolidation of AB-sponsored investment funds under the VIE model. Also included in the Company’s consolidated balance sheets as of March 31, 2024 and December 31, 2023 are assets of $129 million and $121 million, liabilities of $4 million and $3 million, and redeemable noncontrolling interests of $21 million and $7 million, respectively, from consolidation of AB-sponsored investment funds under the VOE model.
Non-Consolidated VIEs
As of March 31, 2024 and December 31, 2023 respectively, the Company held approximately $2.7 billion and $2.6 billion of investment assets in the form of equity interests issued by non-corporate legal entities determined under the guidance to be VIEs, such as limited partnerships and limited liability companies, including CLOs, hedge funds, private equity funds and real estate-related funds. The Company continues to reflect these equity interests in the consolidated balance sheets as other equity investments and applies the equity method of accounting for these positions. The net assets of these non-consolidated VIEs are approximately $273.1 billion and $268.6 billion as of March 31, 2024 and December 31, 2023 respectively. The Company’s maximum exposure to loss from its direct involvement with these VIEs is the carrying value of its investment of $2.7 billion and $2.6 billion and approximately $1.3 billion and $1.3 billion of unfunded commitments as of March 31, 2024 and December 31, 2023, respectively. The Company has no further economic interest in these VIEs in the form of guarantees, derivatives, credit enhancements or similar instruments and obligations.
Non-Consolidated AB-Sponsored Investment Products
As of March 31, 2024 and December 31, 2023, the net assets of investment products sponsored by AB that are non-consolidated VIEs are approximately $65.5 billion and $54.6 billion, respectively. The Company’s maximum exposure to loss from its direct involvement with these VIEs is its investment of $22 million and $10 million as of March 31, 2024 and December 31, 2023. The Company has no further commitments to or economic interest in these VIEs.
Fair Value Disclosures
U.S. GAAP establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value, and identifies three levels of inputs that may be used to measure fair value:
Level 1    Unadjusted quoted prices for identical instruments in active markets. Level 1 fair values generally are supported by market transactions that occur with sufficient frequency and volume to provide pricing information on an ongoing basis.
Level 2    Observable inputs other than Level 1 prices, such as quoted prices for similar instruments, quoted prices in markets that are not active, and inputs to model-derived valuations that are directly observable or can be corroborated by observable market data.
Level 3    Unobservable inputs supported by little or no market activity and often requiring significant management judgment or estimation, such as an entity’s own assumptions about the cash flows or other significant components of value that market participants would use in pricing the asset or liability.
The Company uses unadjusted quoted market prices to measure fair value for those instruments that are actively traded in financial markets. In cases where quoted market prices are not available, fair values are measured using present value or other valuation techniques. The fair value determinations are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of the timing and amount of expected future cash flows and the credit standing of counterparties. Such adjustments do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument, nor do they consider the tax impact of the realization of unrealized gains or losses. In many cases, the fair value cannot be substantiated by direct comparison to independent markets, nor can the disclosed value be realized in immediate settlement of the instrument.
Management is responsible for the determination of the value of investments carried at fair value and the supporting methodologies and assumptions. Under the terms of various service agreements, the Company often utilizes independent valuation service providers to gather, analyze, and interpret market information and derive fair values based upon relevant methodologies and assumptions for individual securities. These independent valuation service providers typically obtain data about market transactions and other key valuation model inputs from multiple sources and, through the use of widely accepted valuation models, provide a single fair value measurement for individual securities for which a fair value has been requested. As further described below with respect to specific asset classes, these inputs include, but are not limited to, market prices for recent trades and transactions in comparable securities, benchmark yields, interest rate yield curves, credit spreads, quoted prices for similar securities, and other market-observable information, as applicable. Specific attributes of the security being valued are also considered, including its term, interest rate, credit rating, industry sector, and when applicable, collateral quality and other security- or issuer-specific information. When insufficient market observable information is available upon which to measure fair value, the Company either will request brokers knowledgeable about these securities to provide a non-binding quote or will employ internal valuation models. Fair values received from independent valuation service providers and brokers and those internally modeled or otherwise estimated are assessed for reasonableness.
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis
Fair value measurements are required on a non-recurring basis for certain assets only when an impairment or other events occur. For the periods ended March 31, 2024 and December 31, 2023, the Company recognized impairment adjustments and impairment losses, respectively, to adjust the carrying value of held-for-sale asset and liabilities to their fair value less cost to sell. The value is measured on a nonrecurring basis and categorized within Level 3 of the fair value hierarchy. The fair value was determined using a market approach, estimated based on the negotiated value of the asset and liabilities. See Note 19 of the Notes to these Consolidated Financial Statements for additional details of the Held-for-Sale assets and liabilities.
v3.24.1.u1
SIGNIFICANT ACCOUNTING POLICIES (Tables)
3 Months Ended
Mar. 31, 2024
Accounting Policies [Abstract]  
Schedule of New Accounting Pronouncements and Changes in Accounting Principles
Future Adoption of New Accounting Pronouncements
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
ASU 2023-07: Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures
This ASU provides improvements to reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. In addition, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple measures of segment profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and contain other disclosure requirements.




The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods in fiscal years beginning after December 15, 2024. A calendar year public entity will adopt the ASU for its 2024 Form 10-K.
The ASU should be adopted retrospectively to all periods presented in the financial statements unless it is impracticable to do so.



The Company is currently assessing the additional required disclosures under the ASU including providing new segment disclosure requirements for entities with a single reportable segment.
Management is evaluating the impact the adoption of this guidance will have on the Company’s consolidated financial statements.

ASU 2023-09: Income Taxes (Topic 740): Improvements to Income Tax Disclosures
The ASU enhanced existing income tax disclosures primarily related to the rate reconciliation and income taxes paid information. With regard to the improvements to disclosures of rate reconciliation, a public business entity is required on an annual basis to (1) disclose specific categories in the rate reconciliation and (2) provide additional information for reconciling items that meet a quantitative threshold. Similarly, a public entity is required to provide the amount of income taxes paid (net of refunds received) disaggregated by (1) federal, state, and foreign taxes and by(2) individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than 5 percent of total income taxes paid (net of refunds received).
The ASU also includes certain other amendments to improve the effectiveness of income tax disclosures, for example, an entity is required to provide (1) pretax income (or loss) from continuing operations disaggregated between domestic and foreign, and (2) income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign.
The ASU will be effective for annual periods beginning after December 15, 2024. Entities are required to apply the ASU on a prospective basis.
The adoption of ASU 2023-09 is not expected to materially impact the Company’s financial position, results of operation, or cash flows.
Description
Effective Date and Method of Adoption
Effect on the Financial Statement or Other Significant Matters
SEC Release Nos. 33-11275; 34-99678, The Enhancement and Standardization of Climate-Related Disclosures for Investors
The SEC adopted rules requiring registrants to disclose climate-related information in registration statements and annual reports. The new rules include disclosure of material climate-related risks, including descriptions of board oversight and risk management activities. the material impacts of these risks on a registrant’s strategy, business model and outlook and any material climate-related targets or goals. In addition, registrants will need to quantify certain effects of severe weather events and other natural conditions in a note to their audited financial statements. In April 2024, citing litigation challenging the rules that commenced immediately after they were issued, the SEC issued an order staying applicability of the rules while judicial review proceeds.
Financial statement and all other disclosures are required at the beginning of the fiscal year 2025 with disclosures about material expenditure and impact required at the beginning of the fiscal year 2026. Disclosures are provided prospectively upon adoption. Scope 1 and Scope 2 Greenhouse gas emissions are required in 2026 with limited assurance in 2029 and reasonable assurance in 2033. Disclosures are provided prospectively upon adoption.
The Company is currently assessing the additional required disclosures under the SEC Release. Management is evaluating the impact of the adoption of this guidance will have on the Company’s consolidated financial statements.
v3.24.1.u1
INVESTMENTS (Tables)
3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
Schedule of Available-for-Sale Fixed Maturities by Classification
The following tables provide information relating to the Company’s fixed maturities classified as AFS:
AFS Fixed Maturities by Classification
 
Amortized CostAllowance for Credit Losses Gross Unrealized GainsGross Unrealized LossesFair Value
 
 (in millions)
March 31, 2024
Fixed Maturities:
Corporate (1)$49,975 $4 $252 $5,865 $44,358 
U.S. Treasury, government and agency
5,759   1,264 4,495 
States and political subdivisions586  6 79 513 
Foreign governments
711  2 122 591 
Residential mortgage-backed (2)2,678  10 148 2,540 
Asset-backed (3)11,852  60 85 11,827 
Commercial mortgage-backed3,653  4 434 3,223 
Redeemable preferred stock56  3  59 
Total at March 31, 2024$75,270 $4 $337 $7,997 $67,606 
December 31, 2023:
Fixed Maturities:
Corporate (1)
$49,786 $$320 $5,360 $44,742 
U.S. Treasury, government and agency
5,735 — 1,106 4,631 
States and political subdivisions
614 — 74 549 
Foreign governments
719 — 111 611 
Residential mortgage-backed (2)2,470 — 18 133 2,355 
Asset-backed (3)11,058 — 52 109 11,001 
Commercial mortgage-backed3,595 — 515 3,082 
Redeemable preferred stock 56 — — 59 
Total at December 31, 2023$74,033 $$409 $7,408 $67,030 
______________
(1)Corporate fixed maturities include both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
Schedule of Contractual Maturities of Available-for-Sale Fixed Maturities
The contractual maturities of AFS fixed maturities as of March 31, 2024 are shown in the table below. Bonds not due at a single maturity date have been included in the table in the final year of maturity. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or pre-payment penalties.
Contractual Maturities of AFS Fixed Maturities
 Amortized Cost (Less Allowance for Credit Losses)Fair Value
 (in millions)
March 31, 2024
Contractual maturities:
Due in one year or less$1,898 $1,877 
Due in years two through five14,627 14,108 
Due in years six through ten16,210 15,013 
Due after ten years24,292 18,959 
Subtotal57,027 49,957 
Residential mortgage-backed2,678 2,540 
Asset-backed11,852 11,827 
Commercial mortgage-backed3,653 3,223 
Redeemable preferred stock 56 59 
Total at March 31, 2024$75,266 $67,606 
Schedule of Proceeds and Gains (Losses) on Sales for Available-for-Sale Fixed Maturities
The following table shows proceeds from sales, gross gains (losses) from sales and allowance for credit losses for AFS fixed maturities:
Proceeds from Sales, Gross Gains (Losses) from Sales and Allowance for Credit and Intent to Sell Losses for AFS Fixed Maturities

 
Three Months Ended March 31,
 
20242023
 
(in millions)
Proceeds from sales$444 $825 
Gross gains on sales$ $
Gross losses on sales$(24)$(26)
Net (increase) decrease in Allowance for Credit and Intent to Sell losses $(2)$(56)
Schedule of Debt Securities, Available-for-Sale, Allowance for Credit Loss
The following table sets forth the amount of credit loss impairments on AFS fixed maturities held by the Company at the dates indicated and the corresponding changes in such amounts:
AFS Fixed Maturities - Credit and Intent to Sell Loss Impairments
Three Months Ended March 31,
20242023
(in millions)
Balance, beginning of period$48 $36 
Previously recognized impairments on securities that matured, paid, prepaid or sold(4)(3)
Recognized impairments on securities impaired to fair value this period (1) (2) 52 
Credit losses recognized this period on securities for which credit losses were not previously recognized3 
Additional credit losses this period on securities previously impaired1 
Balance, end of period$48 $89 
______________
(1)Represents circumstances where the Company determined in the current period that it intends to sell the security, or it is more likely than not that it will be required to sell the security before recovery of the security’s amortized cost.
(2)Amounts reflected for the three months ended March 31, 2023 represent AFS fixed maturities in an unrealized loss position, which the Company intended to sell in anticipation of Equitable Financial’s ordinary dividend to Holdings.
Schedule of Net Unrealized Gains (Losses) on Available-for-Sale Fixed Maturities
The tables below present a roll-forward of net unrealized investment gains (losses) recognized in AOCI:
Net Unrealized Gains (Losses) on AFS Fixed Maturities
Three Months Ended March 31, 2024
Net Unrealized Gains (Losses) on InvestmentsPolicyholders’ Liabilities
Deferred Income Tax Asset (Liability) (1)
AOCI Gain (Loss) Related to Net Unrealized Investment Gains (Losses) (1)
(in millions)
Balance, beginning of period$(6,999)$50 $226 $(6,723)
Net investment gains (losses) arising during the period(683)  (683)
Reclassification adjustment:
Included in net income (loss)26   26 
Other  (3)(3)
Impact of net unrealized investment gains (losses) 13 134 147 
Net unrealized investment gains (losses) excluding credit losses(7,656)63 357 (7,236)
Net unrealized investment gains (losses) with credit losses(4) 1 (3)
Balance, end of period$(7,660)$63 $358 $(7,239)
Three Months Ended March 31, 2023
Balance, beginning of period$(9,606)$41 $440 $(9,125)
Net investment gains (losses) arising during the period1,555 — — 1,555 
Reclassification adjustment:
Included in net income (loss)80 — — 80 
Other— — 342 342 
Impact of net unrealized investment gains (losses)— (8)(342)(350)
Net unrealized investment gains (losses) excluding credit losses(7,971)33 440 (7,498)
Net unrealized investment gains (losses) with credit losses(7)— (6)
Balance, end of period$(7,978)$33 $441 $(7,504)
_____________
(1)Certain balances were revised from previously filed financial statements.
Schedule of Continuous Gross Unrealized Losses for Available-for-Sale Fixed Maturities
The following tables disclose the fair values and gross unrealized losses of the 4,380 issues as of March 31, 2024 and the 4,402 issues as of December 31, 2023 that are not deemed to have credit losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for the specified periods at the dates indicated:
AFS Fixed Maturities in an Unrealized Loss Position for Which No Allowance Is Recorded

Less Than 12 Months12 Months or LongerTotal
Fair ValueGross Unrealized LossesFair ValueGross Unrealized LossesFair ValueGross Unrealized Losses
(in millions)
March 31, 2024
Fixed Maturities:
Corporate$4,228 $158 $31,870 $5,702 $36,098 $5,860 
U.S. Treasury, government and agency101 2 4,320 1,262 4,421 1,264 
States and political subdivisions10  304 79 314 79 
Foreign governments56 2 487 120 543 122 
Residential mortgage-backed612 7 1,008 141 1,620 148 
Asset-backed2,087 5 1,737 80 3,824 85 
Commercial mortgage-backed48 8 2,889 426 2,937 434 
Total at March 31, 2024$7,142 $182 $42,615 $7,810 $49,757 $7,992 
December 31, 2023:
Fixed Maturities:
Corporate$2,228 $126 $33,135 $5,231 $35,363 $5,357 
U.S. Treasury, government and agency111 4,447 1,104 4,558 1,106 
States and political subdivisions10 — 300 74 310 74 
Foreign governments15 517 109 532 111 
Residential mortgage-backed210 1,044 131 1,254 133 
Asset-backed528 5,522 108 6,050 109 
Commercial mortgage-backed92 11 2,856 504 2,948 515 
Total at December 31, 2023$3,194 $144 $47,821 $7,261 $51,015 $7,405 
Schedule of Financing Receivable, Allowance for Credit Loss
The change in the allowance for credit losses for commercial, agricultural and residential mortgage loans were as follows:
Three Months Ended March 31,
20242023
(in millions)
Allowance for credit losses on mortgage loans:
Commercial mortgages:
Balance, beginning of period$272 $123 
Current-period provision for expected credit losses16 10 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance16 10 
Balance, end of period$288 $133 
Agricultural mortgages:
Balance, beginning of period$6 $
Current-period provision for expected credit losses — 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance — 
Balance, end of period$6 $
Three Months Ended March 31,
20242023
(in millions)
Residential mortgages:
Balance, beginning of period$1 $— 
Current-period provision for expected credit losses2 — 
Write-offs charged against the allowance — 
Recoveries of amounts previously written off — 
Net change in allowance2 — 
Balance, end of period$3 $— 
Total allowance for credit losses$297 $139 
Schedule of Financing Receivable Credit Quality Indicators
The Company’s commercial and agricultural mortgage loans segregated by risk rating exposure were as follows:
Loan to Value (“LTV”) Ratios (1) (3)
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
0% - 50%$ $308 $155 $129 $35 $1,532 $ $ $2,159 
50% - 70%195 920 1,871 670 749 2,522 517 96 7,540 
70% - 90% 240 1,197 1,144 576 1,657 62 36 4,912 
90% plus   158  949   1,107 
Total commercial$195 $1,468 $3,223 $2,101 $1,360 $6,660 $579 $132 $15,718 
Agricultural:
0% - 50%$14 $102 $160 $190 $242 $910 $ $ $1,618 
50% - 70%40 60 144 150 180 334   908 
70% - 90%     16   16 
90% plus         
Total agricultural$54 $162 $304 $340 $422 $1,260 $ $ $2,542 
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
0% - 50%$14 $410 $315 $319 $277 $2,442 $ $ $3,777 
50% - 70%235 980 2,015 820 929 2,856 517 96 8,448 
70% - 90% 240 1,197 1,144 576 1,673 62 36 4,928 
90% plus   158  949   1,107 
Total commercial and agricultural mortgage loans
$249 $1,630 $3,527 $2,441 $1,782 $7,920 $579 $132 $18,260 


Debt Service Coverage (“DSC”) Ratios (2) (3)
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
Greater than 2.0x$ $175 $693 $1,190 $1,133 $3,573 $ $ $6,764 
1.8x to 2.0x40 75  208 167 637 318 96 1,541 
1.5x to 1.8x 164 911 143  1,016 100  2,334 
1.2x to 1.5x82 612 981 427  912 79  3,093 
1.0x to 1.2x73 434 281 67  464 82 36 1,437 
Less than 1.0x 8 357 66 60 58   549 
Total commercial$195 $1,468 $3,223 $2,101 $1,360 $6,660 $579 $132 $15,718 
Agricultural:
Greater than 2.0x$8 $7 $50 $34 $59 $196 $ $ $354 
1.8x to 2.0x5 18 16 56 29 83   207 
1.5x to 1.8x2 12 49 31 110 209   413 
1.2x to 1.5x35 46 110 148 159 433   931 
1.0x to 1.2x3 47 55 67 57 307   536 
Less than 1.0x1 32 24 4 8 32   101 
Total agricultural$54 $162 $304 $340 $422 $1,260 $ $ $2,542 
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
Greater than 2.0x$8 $182 $743 $1,224 $1,192 $3,769 $ $ $7,118 
1.8x to 2.0x45 93 16 264 196 720 318 96 1,748 
1.5x to 1.8x2 176 960 174 110 1,225 100  2,747 
1.2x to 1.5x117 658 1,091 575 159 1,345 79  4,024 
1.0x to 1.2x76 481 336 134 57 771 82 36 1,973 
Less than 1.0x1 40 381 70 68 90   650 
Total commercial and agricultural mortgage loans
$249 $1,630 $3,527 $2,441 $1,782 $7,920 $579 $132 $18,260 
______________
(1)The LTV ratio is derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated annually for each mortgage loan.
(2)The DSC ratio is calculated using the most recently reported operating income results from property operations divided by annual debt service.
(3)Residential mortgage loans are excluded from the above tables.
LTV Ratios (1) (3)
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
0% - 50%$249 $164 $129 $35 $— $1,557 $— $— $2,134 
50% - 70%924 1,916 671 750 299 2,319 463 96 7,438 
70% - 90%308 1,197 1,236 523 245 1,384 37 35 4,965 
90% plus— — 66 54 92 858 — — 1,070 
Total commercial$1,481 $3,277 $2,102 $1,362 $636 $6,118 $500 $131 $15,607 
Agricultural:
0% - 50%$102 $162 $191 $235 $132 $802 $— $— $1,624 
50% - 70%60 146 152 201 58 288 — — 905 
70% - 90%— — — — — 16 — — 16 
90% plus— — — — — — — — — 
Total agricultural$162 $308 $343 $436 $190 $1,106 $— $— $2,545 
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
0% - 50%$351 $326 $320 $270 $132 $2,359 $— $— $3,758 
50% - 70%984 2,062 823 951 357 2,607 463 96 8,343 
70% - 90%308 1,197 1,236 523 245 1,400 37 35 4,981 
90% plus— — 66 54 92 858 — — 1,070 
Total commercial and agricultural mortgage loans
$1,643 $3,585 $2,445 $1,798 $826 $7,224 $500 $131 $18,152 

DSC Ratios (2) (3)
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Commercial and agricultural mortgage loans:
Commercial:
Greater than 2.0x$175 $693 $1,125 $1,135 $249 $3,273 $— $— $6,650 
1.8x to 2.0x— — 182 167 171 662 383 96 1,661 
1.5x to 1.8x80 1,060 234 — 162 924 — — 2,460 
1.2x to 1.5x690 687 457 — 11 838 41 — 2,724 
1.0x to 1.2x528 668 38 — 43 317 76 35 1,705 
Less than 1.0x169 66 60 — 104 — — 407 
Total commercial$1,481 $3,277 $2,102 $1,362 $636 $6,118 $500 $131 $15,607 
Agricultural:
Greater than 2.0x$$50 $36 $59 $20 $179 $— $— $351 
1.8x to 2.0x18 16 56 33 23 61 — — 207 
1.5x to 1.8x12 50 31 109 17 193 — — 412 
1.2x to 1.5x46 111 148 170 98 365 — — 938 
1.0x to 1.2x47 57 68 57 26 284 — — 539 
Less than 1.0x32 24 24 — — 98 
Total agricultural$162 $308 $343 $436 $190 $1,106 $— $— $2,545 
December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost BasisTotal
(in millions)
Total commercial and agricultural mortgage loans:
Greater than 2.0x$182 $743 $1,161 $1,194 $269 $3,452 $— $— $7,001 
1.8x to 2.0x18 16 238 200 194 723 383 96 1,868 
1.5x to 1.8x92 1,110 265 109 179 1,117 — — 2,872 
1.2x to 1.5x736 798 605 170 109 1,203 41 — 3,662 
1.0x to 1.2x575 725 106 57 69 601 76 35 2,244 
Less than 1.0x40 193 70 68 128 — — 505 
Total commercial and agricultural mortgage loans
$1,643 $3,585 $2,445 $1,798 $826 $7,224 $500 $131 $18,152 
______________
(1)The LTV ratio is derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated annually for each mortgage loan.
(2)The DSC ratio is calculated using the most recently reported operating income results from property operations divided by annual debt service.
(3)Residential mortgage loans are excluded from the above tables.
The amortized cost of residential mortgage loans by credit quality indicator and origination year was as follows:
March 31, 2024
Amortized Cost Basis by Origination Year
20242023202220212020PriorTotal
(in millions)
Performance indicators:
Performing
$ $373 $139 $90 $3 $2 $607 
Nonperforming
       
Total
$ $373 $139 $90 $3 $2 $607 

December 31, 2023
Amortized Cost Basis by Origination Year
20232022202120202019PriorTotal
(in millions)
Performance indicators:
Performing
$98 $121 $74 $2 $1 $2 $298 
Nonperforming
       
Total
$98 $121 $74 $2 $1 $2 $298 
Schedule of Age Analysis of Past Due Mortgage Loans
The aging analysis of past-due mortgage loans were as follows:
Age Analysis of Past Due Mortgage Loans (1)
Accruing LoansNon-accruing LoansTotal LoansNon-accruing Loans with No AllowanceInterest Income on Non-accruing Loans
Past DueCurrentTotal
30-59 Days60-89 Days90 Days or MoreTotal
(in millions)
March 31, 2024:
Mortgage loans:
Commercial$ $ $ $ $15,484 $15,484 $234 $15,718 $ $ 
Agricultural1 5 54 60 2,463 2,523 19 2,542   
Residential
    607 607  607   
Total$1 $5 $54 $60 $18,554 $18,614 $253 $18,867 $ $ 
December 31, 2023:
Mortgage loans:
Commercial$32 $— $— $32 $15,341 $15,373 $234 $15,607 $— $
Agricultural40 52 2,474 2,526 19 2,545 — — 
Residential
— — — — 298 298 — 298 — — 
Total$39 $$40 $84 $18,113 $18,197 $253 $18,450 $— $
_______________
(1)Amounts presented at amortized cost basis.
Schedule of Unrealized and Realized Gains (Losses) from Equity Securities and Net Investment Income (Loss) from Trading Securities and Net Investment Income (Loss) from Fixed Maturities, at Fair Value using the Fair Value Option
The breakdown of unrealized and realized gains and (losses) on equity securities was as follows:
Unrealized and Realized Gains (Losses) from Equity Securities
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$15 $(3)
Net investment gains (losses) recognized on securities sold during the period(1)— 
Unrealized and realized gains (losses) on equity securities $14 $(3)
The breakdown of net investment income (loss) from trading securities was as follows:
Net Investment Income (Loss) from Trading Securities
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$36 $35 
Net investment gains (losses) recognized on securities sold during the period1 (1)
Unrealized and realized gains (losses) on trading securities37 34 
Interest and dividend income from trading securities11 
Net investment income (loss) from trading securities$48 $39 
The breakdown of net investment income (loss) from fixed maturities, at fair value using the fair value option were as follows:
Net Investment Income (Loss) from Fixed Maturities, at Fair Value using the Fair Value Option
Three Months Ended March 31,
20242023
(in millions)
Net investment gains (losses) recognized during the period on securities held at the end of the period$(3)$
Net investment gains (losses) recognized on securities sold during the period1 (2)
Unrealized and realized gains (losses) from fixed maturities(2)
Interest and dividend income from fixed maturities5 
Net investment income (loss) from fixed maturities$3 $
Schedule of Net Investment Income
The following tables provides the components of net investment income by investment type:
Three Months Ended March 31,
20242023
(in millions)
Fixed maturities$821 $715 
Mortgage loans on real estate234 177 
Other equity investments60 
Policy loans54 52 
Trading securities48 39 
Other investment income25 18 
Fixed maturities, at fair value using the fair value option3 
Gross investment income (loss)1,245 1,016 
Investment expenses(26)(26)
Net investment income (loss)$1,219 $990 
Schedule of Investment Gains (Losses), Net
Investment gains (losses), net, including changes in the valuation allowances and credit losses were as follows:
Three Months Ended March 31,
20242023
(in millions)
Fixed maturities$(26)$(80)
Mortgage loans on real estate(18)(10)
Other5 
Investment gains (losses), net$(39)$(87)
v3.24.1.u1
DERIVATIVES (Tables)
3 Months Ended
Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Derivative Instruments by Category
The following table presents the gross notional amount and fair value of the Company’s derivatives:

Derivative Instruments by Category
March 31, 2024December 31, 2023
  Fair ValueFair Value
  Notional Amount Derivative Assets Derivative Liabilities
Net Derivatives
Notional AmountDerivative AssetsDerivative Liabilities
Net Derivatives
(in millions)
Derivatives: designated for hedge accounting (1)
 Cash flow hedges:
 Currency swaps $2,373 $82 $96 $(14)$2,358 $79 $90 $(11)
 Interest swaps952  323 (323)952 — 311 (311)
 Total: designated for hedge accounting 3,325 82 419 (337)3,310 79 401 (322)
Derivatives: not designated for hedge accounting (1)
Equity contracts:
Futures 9,269  1 (1)7,877 — (4)
Swaps 16,365 60 11 49 15,021 53 10 43 
Options60,035 16,560 3,797 12,763 53,927 13,213 3,129 10,084 
Interest rate contracts:
Futures8,638    8,094 — — — 
Swaps2,887 26 19 7 2,887 118 116 
Credit contracts:
Credit default swaps185 8 5 3 242 
Currency contracts:
Currency swaps840 4 1 3 823 — 27 (27)
Currency forwards17 13 13  36 20 21 (1)
Other freestanding contracts:
Margin 511  511 — 468 — 468 
Collateral 215 12,157 (11,942)— 75 9,232 (9,157)
Total: not designated for hedge accounting98,236 17,397 16,004 1,393 88,907 13,956 12,431 1,525 
Embedded derivatives:
SCS, SIO, MSO and IUL indexed features (2)  13,758 (13,758)— — 10,745 (10,745)
Total embedded derivatives  13,758 (13,758)— — 10,745 (10,745)
Total derivative instruments$101,561 $17,479 $30,181 $(12,702)$92,217 $14,035 $23,577 $(9,542)
______________
(1)Reported in other invested assets in the consolidated balance sheets.
(2)Reported in policyholders’ account balances in the consolidated balance sheets.
The following table presents the effects of derivative instruments on the consolidated statements of income and comprehensive income (loss):
Derivative Instruments by Category
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Net Derivatives Gain (Losses) (1)Net Investment Income
Interest Credited To Policyholders
Account Balances
AOCINet Derivatives Gain (Losses) (1)Net Investment IncomeInterest Credited To Policyholders Account BalancesAOCI
(in millions)
Derivatives: designated for hedge accounting
Cash flow hedges:
Currency swaps$ $3 $(18)$16 $$$(34)$25 
Interest swaps 3  (7)(4)— — (28)
Total: designated for hedge accounting 6 (18)9 (34)(3)
Derivatives: not Designated for hedge accounting
Equity contracts:
Futures241    (143)— — — 
Swaps(1,115)   (605)— — — 
Options2,795    1,501 — — — 
Interest rate contracts:
Futures(9)   (22)— — — 
Swaps(164)   48 — — — 
Credit contracts:
Credit default swaps(1)   (2)— — — 
Currency contracts:
Currency swaps12    (10)— — — 
Currency forwards1    — — — — 
Other freestanding contracts:
Margin    — — — — 
Collateral    — — — — 
Total: not designated for hedge accounting1,760    767 — — — 
Embedded derivatives:
SCS, SIO,MSO and IUL indexed features(3,136)   (1,611)— — — 
Total embedded derivatives(3,136)   (1,611)— — — 
Total derivative instruments$(1,376)$6 $(18)$9 $(841)$$(34)$(3)
______________
(1)Reported in net derivative gains (losses) in the consolidated statements of income (loss).
Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)
The following table presents a roll-forward of cash flow hedges recognized in AOCI:
Roll-forward of Cash flow hedges in AOCI
Three Months Ended March 31,
20242023
(in millions)
Balance, beginning of period $(29)$22 
Amount recorded in AOCI
Currency swaps (7)
Interest swaps(8)(37)
Total amount recorded in AOCI(8)(44)
Amount reclassified from (to) income to AOCI
Currency swaps (1)16 32 
Interest swaps (1)1 
Total amount reclassified from (to) income to AOCI
17 41 
Balance, end of period (2)$(20)$19 
_______________
(1)    Currency swaps income is reported in net investment income in the consolidated statements of income (loss). Interest swaps income is reported in net derivative gains (losses) in the consolidated statements of income (loss).
(2)    The Company does not estimate the amount of the deferred losses in AOCI at March 31, 2024, 2023 and 2022 which will be released and reclassified into net income (loss) over the next 12 months as the amounts cannot be reasonably estimated.
Schedule of Offsetting Financial Assets and Liabilities and Derivative Instruments
The following tables present information about the Company’s offsetting of financial assets and liabilities and derivative instruments:
Offsetting of Financial Assets and Liabilities and Derivative Instruments
As of March 31, 2024

Gross Amount RecognizedGross Amount Offset in the Balance SheetsNet Amount Presented in the Balance SheetsGross Amount not Offset in the Balance Sheets (3)Net Amount
(in millions)
Assets:
Derivative assets (1)$17,481 $13,904 $3,577 $(2,516)$1,061 
Secured lending
147  147  147 
Other financial assets2,000  2,000  2,000 
Other invested assets$19,628 $13,904 $5,724 $(2,516)$3,208 
Liabilities:
Derivative liabilities (2)$13,906 $13,904 $2 $ $2 
Secured lending
147  $147  147 
Other financial liabilities6,362  6,362  6,362 
Other liabilities$20,415 $13,904 $6,511 $ $6,511 
______________
(1)Excludes Investment Management and Research segment’s derivative assets of consolidated VIEs/VOEs.
(2)Excludes Investment Management and Research segment’s derivative liabilities of consolidated VIEs/VOEs.
(3)Financial instruments/collateral sent (held).
As of December 31, 2023

Gross Amount RecognizedGross Amount Offset in the Balance SheetsNet Amount Presented in the Balance SheetsGross Amount not Offset in the Balance Sheets (3)Net Amount
(in millions)
Assets:
Derivative assets (1)$14,036 $9,543 $4,493 $(3,254)$1,239 
Secured Lending
$116 $— $116 $— $116 
Other financial assets2,110 — 2,110 — 2,110 
Other invested assets$16,262 $9,543 $6,719 $(3,254)$3,465 
Liabilities:
Derivative liabilities (2)$9,579 $9,543 $36 $— $36 
Secured Lending
$116 $— $116 $— $116 
Other financial liabilities5,936 — 5,936 — 5,936 
Other liabilities$15,631 $9,543 $6,088 $— $6,088 
______________
(1)Excludes Investment Management and Research segment’s derivative assets of consolidated VIEs/VOEs.
(2)Excludes Investment Management and Research segment’s derivative liabilities of consolidated VIEs/VOEs.
(3)Financial instruments sent (held).
v3.24.1.u1
CLOSED BLOCK (Tables)
3 Months Ended
Mar. 31, 2024
Closed Block Disclosure [Abstract]  
Schedule of Closed Block Assets and Liabilities
Summarized financial information for the Company’s Closed Block is as follows:
 March 31, 2024December 31, 2023
(in millions)
Closed Block Liabilities:
Future policy benefits, policyholders’ account balances and other$5,390 $5,461 
Other liabilities69 57 
Total Closed Block liabilities5,459 5,518 
Assets Designated to the Closed Block:
Fixed maturities AFS, at fair value (amortized cost of $2,949 and $2,945) (allowance for credit losses of $0 and $0)
2,784 2,800 
Mortgage loans on real estate (net of allowance for credit losses of $13 and $13)
1,550 1,612 
Policy loans541 554 
Cash and other invested assets63 58 
Other assets163 150 
Total assets designated to the Closed Block5,101 5,174 
Excess of Closed Block liabilities over assets designated to the Closed Block358 344 
Amounts included in AOCI:
Net unrealized investment gains (losses), net of policyholders’ dividend obligation: $0 and $0; and net of income tax: $35 and $31
(130)(115)
Maximum future earnings to be recognized from Closed Block assets and liabilities$228 $229 
Schedule of Closed Block Operations, Net Results
The Company’s Closed Block revenues and expenses were as follows:
Three Months Ended March 31,
20242023
(in millions)
Revenues:
Premiums and other income$29 $30 
Net investment income (loss)52 51 
Investment gains (losses), net(1)— 
Total revenues80 81 
Benefits and Other Deductions:
Policyholders’ benefits and dividends77 83 
Total benefits and other deductions77 83 
Net income (loss), before income taxes3 (2)
Income tax (expense) benefit(1)(1)
Net income (loss)$2 $(3)
v3.24.1.u1
DAC AND OTHER DEFERRED ASSETS/LIABILITIES (Tables)
3 Months Ended
Mar. 31, 2024
Contract Holder Bonus Interest Credits [Abstract]  
Schedule of Reconciliation of Deferred Acquisition Cost
The following table presents a reconciliation of DAC to the consolidated balance sheets:
March 31,December 31,
20242023
(in millions)
Protection Solutions
Term$331 $337 
Universal Life
174 174 
Variable Universal Life
1,009 987 
Indexed Universal Life
187 188 
Individual Retirement
GMxB Core
1,604 1,602 
EQUI-VEST Individual
154 155 
Investment Edge180 172 
SCS1,655 1,571 
Legacy Segment
GMxB Legacy546 555 
Group Retirement
EQUI-VEST Group
747 742 
Momentum80 82 
Corporate and Other
114 116 
Other
23 24 
Total$6,804 $6,705 
Schedule of Deferred Policy Acquisition Costs
Changes in the DAC asset were as follows:
Three Months Ended March 31, 2024
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG MomentumCB (1)
(in millions)
Balance, beginning of period$337 $174 $987 $188 $1,602 $155 $172 $1,571 $555 $742 $82 $116 $6,681 
Capitalization 4 3 37 2 39 2 12 148 7 15 2  271 
Amortization (2)(10)(3)(15)(3)(37)(3)(4)(64)(16)(10)(4)(2)(171)
Balance, end of period$331 $174 $1,009 $187 $1,604 $154 $180 $1,655 $546 $747 $80 $114 $6,781 
______________
(1)“CB” defined as Closed Block.
(2)DAC amortization of $1 million related to Other not reflected in table above.

Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacyGroup RetirementCorporate and OtherTotal
TermULVUL IUL GMxB CoreEI IE SCSGMxB LegacyEG Momentum
CB
(in millions)
Balance, beginning of period$362 $179 $889 $185 $1,625 $156 $148 $1,279 $593 $710 $89 $127 $6,342 
Capitalization35 19 11 101 16 — 202 
Amortization (1)
(10)(3)(14)(3)(35)(3)(3)(47)(16)(10)(5)(3)(152)
Balance, end of period$356 $177 $910 $185 $1,609 $156 $156 $1,333 $583 $716 $87 $124 $6,392 
Changes in the Individual Retirement sales inducement assets were as follows:
Three Months Ended March 31,
20242023
GMxB CoreGMxB LegacyGMxB CoreGMxB Legacy
(in millions)
Balance, beginning of period$127 $179 $137 $200 
Capitalization1  — — 
Amortization(3)(5)(3)(5)
Balance, end of period$125 $174 $134 $195 
Changes in the Protection Solutions unearned revenue liability were as follows:
Three Months Ended March 31,
20242023
ULVULIULULVULIUL
(in millions)
Balance, beginning of period$107 $754 $210 $95 $684 $157 
Capitalization4 32 14 27 17 
Amortization(2)(12)(3)(2)(10)(3)
Balance, end of period$109 $774 $221 $98 $701 $171 
v3.24.1.u1
FAIR VALUE DISCLOSURES (Tables)
3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
Schedule of Assets and Liabilities Measured at Fair Value on Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are summarized below:
Fair Value Measurements as of March 31, 2024

Level 1
Level 2
Level 3
Total
 
(in millions)
Assets:
Investments
Fixed maturities, AFS:
Corporate (1)
$ $42,020 $2,338 $44,358 
U.S. Treasury, government and agency 4,495  4,495 
States and political subdivisions 513  513 
Foreign governments 591  591 
Residential mortgage-backed (2)
 2,540  2,540 
Asset-backed (3)
 11,756 71 11,827 
Commercial mortgage-backed 3,216 7 3,223 
Redeemable preferred stock 59  59 
Total fixed maturities, AFS 65,190 2,416 67,606 
Fixed maturities, at fair value using the fair value option  1,443 244 1,687 
Other equity investments (4)251 463 55 769 
Trading securities393 886 61 1,340 
Other invested assets:
Short-term investments 411  411 
Assets of consolidated VIEs/VOEs64 240 3 307 
Swaps (278) (278)
Credit default swaps
 3  3 
Futures(1)  (1)
Options 12,763  12,763 
Total other invested assets63 13,139 3 13,205 
Cash equivalents7,451 1,173  8,624 
Segregated securities 866  866 
Purchased market risk benefits   8,337 8,337 
Assets for market risk benefits  818 818 
Separate Accounts assets (5)
130,299 2,591 1 132,891 
Total Assets$138,457 $85,751 $11,935 $236,143 
Liabilities:
Notes issued by consolidated VIE’s, at fair value using the fair value option (6)
$ $1,561 $ $1,561 
SCS, SIO, MSO and IUL indexed features’ liability 13,758  13,758 
Liabilities of consolidated VIEs and VOEs 5  5 
Liabilities for market risk benefits  12,814 12,814 
Contingent payment arrangements  254 254 
Total Liabilities$ $15,324 $13,068 $28,392 
______________
(1)Corporate fixed maturities includes both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
(4)Includes short position equity securities of $10 million that are reported in other liabilities.
(5)Separate Accounts assets included in the fair value hierarchy exclude investments in entities that calculate NAV per share (or its equivalent) as a practical expedient. Such investments excluded from the fair value hierarchy include investments in real estate. As of March 31, 2024, the fair value of such investments was $354 million.
(6)Accrued interest payable of $19 million is reported in Notes issued by consolidated VIE’s, at fair value using the fair value option in the consolidated balance sheets, which is not required to be measured at fair value on a recurring basis.
Fair Value Measurements as of December 31, 2023
Level 1
Level 2
Level 3
Total
 
(in millions)
Assets:
Investments
Fixed maturities, AFS:
Corporate (1)
$— $42,584 $2,158 $44,742 
U.S. Treasury, government and agency— 4,631 — 4,631 
States and political subdivisions— 522 27 549 
Foreign governments— 611 — 611 
Residential mortgage-backed (2)
— 2,355 — 2,355 
Asset-backed (3)
— 10,954 47 11,001 
Commercial mortgage-backed (2)
— 3,075 3,082 
Redeemable preferred stock— 59 — 59 
Total fixed maturities, AFS— 64,791 2,239 67,030 
Fixed maturities, at fair value using the fair value option— 1,473 181 1,654 
Other equity investments (4)
217 464 54 735 
Trading securities321 675 61 1,057 
Other invested assets:

Short-term investments— 429 — 429 
Assets of consolidated VIEs/VOEs61 350 414 
Swaps— (190)— (190)
Credit default swaps
— — 
Futures(4)— — (4)
Options— 10,084 — 10,084 
Total other invested assets57 10,676 10,736 
Cash equivalents5,901 694 — 6,595 
Segregated securities— 868 — 868 
Purchased market risk benefits— — 9,427 9,427 
Assets for market risk benefits— — 591 591 
Separate Accounts assets (5)
124,099 2,624 — 126,723 
Total Assets$130,595 $82,265 $12,556 $225,416 
Liabilities:
Notes issued by consolidated VIE’s, at fair value using the fair value option (6)
$— $1,539 $— $1,539 
SCS, SIO, MSO and IUL indexed features’ liability— 10,745 — 10,745 
Liabilities of consolidated VIEs and VOEs— 
Liabilities for market risk benefits
— — 14,612 14,612 
Contingent payment arrangements— — 253 253 
Total Liabilities$$12,286 $14,865 $27,152 
______________
(1)Corporate fixed maturities includes both public and private issues.
(2)Includes publicly traded agency pass-through securities and collateralized obligations.
(3)Includes credit-tranched securities collateralized by sub-prime mortgages, credit risk transfer securities and other asset types.
(4)Includes short position equity securities of $4 million that are reported in other liabilities.
(5)Separate Accounts assets included in the fair value hierarchy exclude investments in entities that calculate NAV per share (or its equivalent) as a practical expedient. Such investments excluded from the fair value hierarchy include investments in real estate. As of December 31, 2023, the fair value of such investments was $371 million.
(6)Accrued interest payable of $20 million is reported in Notes issued by consolidated VIE’s, at fair value using the fair value option in the consolidated balance sheets, which is not required to be measured at fair value on a recurring basis.
Schedule of Reconciliation of Assets and Liabilities at Level 3
The tables below present reconciliations for all Level 3 assets and liabilities and changes in unrealized gains (losses). Not included below are the changes in balances related to MRBs and purchased MRBs level 3 assets and liabilities, which are included in Note 9 of the Notes to these Consolidated Financial Statements.
Three Months Ended March 31, 2024
CorporateState and Political SubdivisionsAsset-backedRMBSCMBS
(in millions)
Balance, beginning of period$2,158 $27 $47 $ $7 
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)2     
Investment gains (losses), net(1)    
Subtotal1     
Other comprehensive income (loss)10     
Purchases215  48   
Sales(56) (10)  
Settlements     
Other     
Activity related to consolidated VIEs/VOEs—     
Transfers into Level 3 (1)57     
Transfers out of Level 3 (1)(47)(27)(14)  
Balance, end of period$2,338 $ $71 $ $7 
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$ $ $ $ $ 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$10 $ $ $ $ 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2024, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
Three Months Ended March 31, 2024
Fixed maturities, at FVO
Other Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, beginning of period$181 $57 $61 $ $(253)
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)16 1    
Investment gains (losses), net     
Subtotal16 1    
Other comprehensive income (loss)     
Purchases 80 42  1  
Sales (15)(42)   
Settlements     1 
Other     (2)
Activity related to consolidated VIEs/VOEs     
Transfers into Level 3 (1)63     
Transfers out of Level 3 (1)(81)    
Three Months Ended March 31, 2024
Fixed maturities, at FVO
Other Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, end of period$244 $58 $61 $1 $(254)
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$ $1 $ $ $ 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$28 $ $ $ $ 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2024, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
(3)Other Equity Investments include other invested assets.
Three Months Ended March 31, 2023
CorporateState and Political SubdivisionsAsset-backedRMBSCMBS
(in millions)
Balance, beginning of period$2,121 $28 $— $34 $32 
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)— — — — 
Investment gains (losses), net(3)— — — — 
Subtotal(1)— — — — 
Other comprehensive income (loss)18 — — — — 
Purchases171 — 12 — 
Sales(91)— — — — 
Settlements— — — — — 
Other— — — — — 
Activity related to consolidated VIEs/VOEs— — — — — 
Transfers into Level 3 (1)— — — — — 
Transfers out of Level 3 (1)(268)— — (34)— 
Balance, end of period$1,950 $28 $12 $— $34 
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$— $— $— $— $— 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$17 $— $— $— $— 
______________
(1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2023, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
Three Months Ended March 31, 2023
Fixed maturities, at FVO
Other
Equity Investments (3)
Trading Securities, at Fair ValueSeparate Accounts AssetsContingent Payment Arrangement
(in millions)
Balance, beginning of period$224 $17 $55 $$(247)
Total gains and (losses), realized and unrealized, included in:
Net income (loss) as:
Net investment income (loss)(3)— — — 
Investment gains (losses), net— — — — — 
Subtotal(3)— — — 
Other comprehensive income (loss)— — — — — 
Purchases 12 — — — — 
Sales — — — — — 
Settlements — — — — — 
Other — — — — (1)
Activity related to consolidated VIEs/VOEs— — — — — 
Transfers into Level 3 (1)56 — — — 
Transfers out of Level 3 (1)(99)— — — — 
Balance, end of period$196 $15 $55 $$(248)
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period (2)$$(3)$— $— $— 
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period (2)$— $— $— $— $— 
Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values.
(2)For instruments held as of March 31, 2023, amounts are included in net investment income or net derivative gains (losses) in the consolidated statements of income (loss) or unrealized gains (losses) on investments in the consolidated statements of comprehensive income.
(3)Other Equity Investments include other invested assets.
Schedule of Quantitative Information About Level 3 Fair Value Measurement
The following tables disclose quantitative information about Level 3 fair value measurements by category for assets and liabilities:
Quantitative Information about Level 3 Fair Value Measurements as of March 31, 2024

Fair
Value
Valuation
Technique
Significant
Unobservable Input
Range
Weighted Average (2)
 (Dollars in millions)
Assets:
Investments:
Fixed maturities, AFS:
Corporate$350 Matrix pricing model
Spread over Benchmark
20 bps - 270 bps
145 bps
1,172 Market comparable 
companies
EBITDA multiples
Discount rate
Cash flow multiples
Loan to value
3.3x - 30.5x
0.0% - 19.2%
0.8x - 9.3x
0.0% - 61.4%
13.5x
3.8%
6.2x
14.0%
Trading securities, at fair value
61 Discounted cash flow
Earnings multiple
Discount factor
Discount years
9.1x
10.0%
7
Other equity investments2 Discounted cash flow
Earnings Multiple
3.9x - 7.0x
5.9x
Purchased MRB asset (1) (2) (4)8,337 Discounted cash flow
Lapse rates
Withdrawal rates
GMIB Utilization rates
Non-performance risk
Volatility rates - Equity
Mortality: Ages 0-40
Ages 41-60
Ages 61-115

0.21%-12.38%
0.07%-14.97%
0.04%-66.21%
32 bps - 101 bps
12%-28%
0.01%-0.18%
0.07%-0.53%
0.33%-42.00%
1.96%
0.50%
6.91%
40 bps
23%
3.25%
(same for all ages)
(same for all ages)
Liabilities:
AB Contingent consideration payable$254 Discounted cash flow
Expected revenue growth rates
Discount rate
2.0% - 29.3%
1.9% - 10.4%
7.9%
4.6%
Direct MRB (1) (2) (3) (4)11,996 Discounted cash flow
Non-performance risk
Lapse rates
Withdrawal rates
Annuitization rates
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
117 bps
0.21%-29.37%
0.00%-14.97%
0.04%-100.00%
0.01%-0.18%
0.07%-0.53%
0.33%-42.00%
117 bps
3.20%
0.67%
5.15%
2.67%
(same for all ages)
(same for all ages)
______________
(1)Mortality rates vary by age and demographic characteristic such as gender. Mortality rate assumptions are based on a combination of company and industry experience. A mortality improvement assumption is also applied. For any given contract, mortality rates vary throughout the period over which cash flows are projected for purposes of valuating the embedded derivatives.
(2)Lapses and pro-rata withdrawal rates were developed as a function of the policy account value. Dollar for dollar withdrawal rates were developed as a function of the dollar for dollar threshold, the dollar for dollar limit. Utilization rates were developed as a function of the benefit base.
(3)MRB liabilities are shown net of MRB assets. Net amount is made up of $12.8 billion of MRB liabilities and $818 million of MRB assets.
(4)Includes Legacy and Core products.
Quantitative Information about Level 3 Fair Value Measurements as of December 31, 2023
Fair
Value
Valuation
Technique
Significant
Unobservable Input
Range
Weighted Average (2)
 (Dollars in millions)
Assets:
Investments:
Fixed maturities, AFS:
Corporate$373 Matrix pricing model
Spread over benchmark
20 bps - 747 bps
181 bps
979 Market comparable companies
EBITDA multiples
 Discount rate
 Cash flow multiples
Loan to value
3.3x - 29.0x
0.0% - 22.8%
0.8x-10.0x
3.4%-61.0%
13.6x
3.9%
6.3x
13.8%
Trading securities, at fair value61 Discounted cash flow
Earnings multiple
Discounts factor
Discount years
9.1x
10.00%
7
Other equity investmentsDiscounted cash flow    
Earnings Multiple
3.9x - 8.4x
6.5x
Purchased MRB asset (1) (2) (4)9,427 Discounted cash flow
Lapse rates
Withdrawal rates
GMIB Utilization rates
Non-performance risk
Volatility rates - Equity
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
0.21% - 12.38%
0.07% - 14.97%
0.04% - 66.21%
35 bps - 97 bps
11% - 28%
0.01% - 0.18%
0.07% - 0.53%
0.33% - 42.00%
1.79%
0.46%
7.44%
45 bps
23%
3.07%
(same for all ages)
(same for all ages)
Liabilities:
AB Contingent consideration payable$253 Discounted cash flow
Expected revenue growth rates
Discount rate
2.0% - 83.9%
1.9% - 10.4%
10.3%
4.6%
Direct MRB (1) (2) (3) (4)14,021 Discounted cash flow
Non-performance risk
Lapse rates
Withdrawal rates
Annuitization rates
Mortality: Ages 0-40
Ages 41-60
Ages 61-115
118 bps
0.21% - 29.37%
0.00% - 14.97%
0.04% - 100.00%
0.01% - 0.18%
0.07% - 0.53%
0.33% - 42.00%
118 bps
3.07%
0.64%
5.38%
2.50%
(same for all ages)
(same for all ages)
______________
(1)Mortality rates vary by age and demographic characteristic such as gender and benefits elected with the policy. Mortality rate assumptions are based on a combination of company and industry experience. A mortality improvement assumption is also applied. For any given contract, mortality rates vary throughout the period over which cash flows are projected for purposes of valuating the embedded derivatives.
(2)Lapses and pro-rata withdrawal rates were developed as a function of the policy account value. Dollar for dollar withdrawal rates were developed as a function of the dollar for dollar threshold, the dollar for dollar limit. Utilization rates were developed as a function of the benefit base.
(3)MRB liabilities are shown net of MRB assets. Net amount is made up of $14.6 billion of MRB liabilities and $591 million of MRB assets.
(4)Includes Legacy and Core products.
Schedule of Fair Value Disclosure Financial Instruments Not Carried At Fair Value
The carrying values and fair values for financial instruments not otherwise disclosed in Note 3 and Note 4 of the Notes to these Consolidated Financial Statements were as follows:
Carrying Values and Fair Values for Financial Instruments Not Otherwise Disclosed

 
Carrying
Value
Fair Value
 
Level 1
Level 2
Level 3
Total
(in millions)
March 31, 2024:
Mortgage loans on real estate $18,570 $ $ $16,794 $16,794 
Policy loans$4,191 $ $ $4,442 $4,442 
Policyholders’ liabilities: Investment contracts$1,608 $ $ $1,559 $1,559 
FHLB funding agreements $7,168 $ $7,086 $ $7,086 
FABN funding agreements$6,252 $ $5,839 $ $5,839 
Funding agreement-backed commercial paper (FABCP)$663 $ $675 $ $675 
Long-term debt$3,821 $ $3,700 $ $3,700 
Separate Accounts liabilities$11,246 $ $ $11,246 $11,246 
December 31, 2023:
Mortgage loans on real estate$18,171 $— $— $16,471 $16,471 
Policy loans$4,158 $— $— $4,485 $4,485 
Policyholders’ liabilities: Investment contracts$1,663 $— $— $1,634 $1,634 
FHLB funding agreements $7,618 $— $7,567 $— $7,567 
FABN funding agreements$6,267 $— $5,840 $— $5,840 
Funding agreement-backed commercial paper (FABCP)$939 $— $948 $— $948 
Long-term debt $3,820 $— $3,742 $— $3,742 
Separate Accounts liabilities$10,715 $— $— $10,715 $10,715 
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS (Tables)
3 Months Ended
Mar. 31, 2024
Insurance [Abstract]  
Schedule of Policyholder Account Balance and Liability for Unpaid Claims and Claims Adjustment Expense
The following table reconciles the net liability for future policy benefits and liability of death benefits to the liability for future policy benefits in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Reconciliation
Term$1,316 $1,348 
Individual Retirement - Payout820 844 
Legacy - Payout3,767 3,620 
Group Pension - Benefit Reserve & DPL473 490 
Health1,450 1,505 
UL1,194 1,193 
Subtotal9,020 9,000 
  Whole Life Closed Block and Open Block products5,384 5,444 
Other (1)948 970 
Future policyholder benefits total15,352 15,414 
  Other policyholder funds and dividends payable1,972 1,949 
Total$17,324 $17,363 
_____________
(1)Primarily consists of future policy benefits related to Protective Life and Annuity, Assumed Life and Disability, Group Life Run off, Variable Interest Sensitive Life rider and Employee Benefits.
Schedule of Policyholder Account Balance
The following table summarizes balances and changes in the liability for future policy benefits for nonparticipating traditional and limited pay contracts:
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Net Premiums
Balance, beginning of period$2,133 $ $ $ $(21)$2,100 $— $— $— $(5)
Beginning balance at original discount rate2,058    (22)2,078 — — — (5)
Effect of changes in cash flow assumptions(18)    — — — — 
Effect of actual variances from expected experience(18)   1 — — — (6)
Adjusted beginning of period balance2,022    (21)2,089 — — — (11)
Issuances11     15 — — — — 
Interest accrual25     25 — — — — 
Net premiums collected(49)   1 (51)— — — 
Ending Balance at original discount rate2,009    (20)2,078 — — — (10)
Effect of changes in discount rate assumptions17    1 82 — — — — 
Balance, end of period$2,026 $ $ $ $(19)$2,160 $— $— $— $(10)
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Future Policy Benefits
Balance, beginning of period$3,480 $844 $3,620 $490 $1,484 $3,465 $828 $2,689 $523 $1,553 
Beginning balance of original discount rate3,330 840 3,840 536 1,672 3,391 845 3,024 583 1,795 
Effect of changes in cash flow assumptions(20)(1)   — — — — 
Effect of actual variances from expected experience(23)(1)(2)1 1 — (1)(7)
Adjusted beginning of period balance3,287 838 3,838 537 1,673 3,404 846 3,024 582 1,788 
Issuances12 11 269   16 15 222 — — 
Interest accrual41 10 35 5 14 42 10 21 15 
Benefits payments(64)(23)(89)(16)(41)(95)(23)(65)(17)(33)
Ending Balance at original discount rate3,276 836 4,053 526 1,646 3,367 848 3,202 570 1,770 
Effect of changes in discount rate assumptions65 (16)(286)(53)(215)164 (258)(48)(197)
Balance, end of period$3,341 $820 $3,767 $473 $1,431 $3,531 $854 $2,944 $522 $1,573 
Impact of flooring LFPB at zero1     — — — — — 
Net liability for future policy benefits$1,316 820 3,767 473 1,450 1,371 854 2,944 522 1,583 
Less: Reinsurance recoverable24 (1)(1,068) (1,147)27 — (589)— (1,258)
Net liability for future policy benefits, after reinsurance recoverable$1,340 $819 $2,699 $473 $303 $1,398 $854 $2,355 $522 $325 
Weighted-average duration of liability for future policyholder benefits (years)6.99.37.67.08.67.09.47.97.18.7
The following table reconciles the policyholders account balances to the policyholders’ account balance liability in the consolidated balance sheets:

March 31, 2024December 31, 2023
(in millions)
Policyholders’ account balance reconciliation
Protection Solutions
Universal Life$5,163 $5,202 
Variable Universal Life4,886 4,862 
Legacy Segment
GMxB Legacy616 618 
Individual Retirement
GMxB Core22 36 
SCS54,373 49,002 
EQUI-VEST Individual2,242 2,322 
Group Retirement
EQUI-VEST Group11,430 11,563 
Momentum590 608 
Other (1) (2)
6,787 6,570 
Balance (exclusive of Funding Agreements)86,109 80,783 
Funding Agreements (2)
14,137 14,890 
Balance, end of period$100,246 $95,673 
_____________
(1)Primarily reflects products IR Payout, IR Other, Indexed Universal Life, Investment Edge, Group Pension, Closed Block and Corporate and Other.
(2)Balances as of December 31, 2023 were revised from previously filed financial statements.
The following table summarizes the balances and changes in policyholder’s account balances:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,202 $4,862 $618 $36 $49,002 $2,322 $11,563 $608 
Premiums received166 27 19 58 5 7 151 18 
Policy charges(182)(64)18 (6)(4) (1) 
Surrenders and withdrawals(20)(20)(22)(8)(953)(91)(443)(30)
Benefit payments(58)(19)(24)(1)(72)(15)(17)(1)
Net transfers from (to) separate account 48 1 (59)3,175 2 81 (8)
Interest credited (2)55 52 6 2 3,220 17 96 3 
Other        
Balance, end of period$5,163 $4,886 $616 $22 $54,373 $2,242 $11,430 $590 
Weighted-average crediting rate3.79%3.73%2.71%1.65%N/A2.98%2.65%2.33%
Net amount at risk (3)$34,991 $115,499 $19,673 $2,764 $ $104 $6 $ 
Cash surrender value$3,405 $3,186 $550 $258 $50,667 $2,235 $11,368 $591 
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST Group includes amounts related to the change in embedded derivative.
(3)For life insurance products the net amount at risk is death benefit less account value for the policyholder. For variable annuity products the net amount at risk is the maximum GMxB NAR for the policyholder.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,340$4,909$688$69$35,702$2,652$12,045$702
Premiums received1843820461114819
Policy charges(194)(65)19(4)(1)(1)
Surrenders and withdrawals(18)(1)(25)(8)(607)(94)(405)(30)
Benefit payments(76)(40)(24)(1)(59)(20)(17)(2)
Net transfers from (to) separate account(45)(49)1,982369(9)
Interest credited (2)5555721,620191023
Other311
Balance, end of period$5,291$4,851$685$55$38,637$2,574$11,952$683
Weighted-average crediting rate3.64%3.81%1.78%1.05%1.12%3.09%2.99%2.03%
Net amount at risk (3)$37,031$114,419$21,472$3,287$43$128$58$
Cash surrender value$3,475$3,293$957$284$35,286$2,567$11,871$684
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST includes amounts related to the change in embedded derivative.
(3)For life insurance products, the net amount at risk is the death benefit less account value for the policyholder. For variable annuity products, the net amount at risk is the maximum GMxB NAR for the policyholder.
The following table reconciles the Separate Account liabilities to the Separate Account liability balance in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Separate Account Reconciliation
Protection Solutions
Variable Universal Life$17,007 $15,821 
Legacy Segment
GMxB Legacy34,860 33,794 
Individual Retirement
GMxB Core30,820 29,829 
EQUI-VEST Individual4,826 4,582 
Investment Edge4,524 4,275 
Group Retirement
EQUI-VEST Group29,018 26,959 
Momentum4,706 4,421 
Other (1)7,974 7,570 
Total$133,735 $127,251 
______________
(1)Primarily reflects Corporate and Other products and Group Retirement products including Association and Group Retirement Other.
The following table presents the balances of and changes in Separate Account liabilities:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement    
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$15,821 $33,794 $29,829 $4,582 $4,275 $26,959 $4,421 
Premiums and deposits306 54 504 18 310 565 181 
Policy charges (143)(168)(115)(1) (4)(6)
Surrenders and withdrawals(142)(812)(820)(129)(135)(542)(208)
Benefit payments(16)(196)(78)(15)(5)(17)(4)
Investment performance (1)1,229 2,189 1,442 373 258 2,138 314 
Net transfers from (to) General Account
(48)(1)58 (2)(179)(81)8 
Other charges
       
Balance, end of period$17,007 $34,860 $30,820 $4,826 $4,524 $29,018 $4,706 
Cash surrender value$16,648 $34,595 $29,979 $4,792 $4,437 $28,733 $4,699 
_____________
(1)Investment performance is reflected net of M&E fees.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$13,187 $32,616 $27,772 $4,161 $3,798 $22,393 $3,885 
Premiums and deposits287 65 256 26 253 531 178 
Policy charges (137)(178)(115)(1)— (4)(5)
Surrenders and withdrawals(117)(660)(559)(100)(95)(359)(157)
Benefit payments(24)(192)(56)(14)(12)(15)(3)
Investment performance (1)843 1,808 1,202 269 175 1,438 235 
Net transfers from (to) General Account
45 — 49 (3)(140)(69)
Other charges — — — — 25 — 
Balance, end of period$14,084 $33,459 $28,549 $4,342 $3,979 $23,940 $4,142 
Cash surrender value$13,755 $33,181 $27,680 $4,310 $3,885 $23,702 $4,136 
______________
(1)    Investment performance is reflected net of M&E fees.
Schedule of Liability for Future Policy Benefits, Undiscounted and Discounted Expected Gross Premiums and Expected Future Benefits and Expenses
The following table provides the amount of undiscounted and discounted expected gross premiums and expected future benefits and expenses related to nonparticipating traditional and limited payment contracts:
March 31, 2024December 31, 2023
(in millions)
Term
Expected future benefit payments and expenses (undiscounted)$5,768 $5,878 
Expected future gross premiums (undiscounted)
6,900 6,979 
Expected future benefit payments and expenses (discounted; AOCI basis)3,341 3,480 
Expected future gross premiums (discounted; AOCI basis)3,738 3,879 
March 31, 2024December 31, 2023
(in millions)
Payout - Legacy
Expected future benefit payments and expenses (undiscounted)5,530 5,204 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)3,682 3,538 
Expected future gross premiums (discounted; AOCI basis) — 
Payout
Expected future benefit payments and expenses (undiscounted)1,414 1,426 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)786 812 
Expected future gross premiums (discounted; AOCI basis) — 
Group Pension
Expected future benefit payments and expenses (undiscounted)654 668 
Expected future gross premiums (undiscounted)
 — 
Expected future benefit payments and expenses (discounted; AOCI basis)454 471 
Expected future gross premiums (discounted; AOCI basis) — 
Health
Expected future benefit payments and expenses (undiscounted)2,278 2,318 
Expected future gross premiums (undiscounted)
82 85 
Expected future benefit payments and expenses (discounted; AOCI basis)1,415 1,468 
Expected future gross premiums (discounted; AOCI basis)$64 $68 
Schedule of Liability for Future Policy Benefits, Revenue and Interest Accretion
The table below summarizes the revenue and interest related to nonparticipating traditional and limited payment contracts:
Three Months Ended March 31,
2024202320242023
Gross PremiumInterest Accretion
(in millions)
Revenue and Interest Accretion
Term$88 $70 $16 $17 
Payout - Legacy59 27 39 21 
Payout9 15 10 10 
Group Pension — 5 
Health3 14 15 
Total$159 $114 $84 $68 
Schedule of Liability for Future Policy Benefits, Weighted Average Interest Rates
The following table provides the weighted average interest rates for the liability for future policy benefits:
March 31, 2024December 31, 2023
Weighted Average Interest Rate
Term
Interest accretion rate5.6 %5.6 %
Current discount rate5.1 %4.8 %
Payout - Legacy
Interest accretion rate4.1 %4.0 %
Current discount rate5.1 %4.9 %
Payout
Interest accretion rate5.0 %5.0 %
Current discount rate5.2 %4.9 %
Group Pension
Interest accretion rate3.3 %3.3 %
Current discount rate5.1 %4.8 %
Health
Interest accretion rate3.4 %3.4 %
Current discount rate5.2 %4.9 %
Schedule of Balances of and Changes in Additional Liabilities Related to Insurance Guarantees
The following table provides the balance, changes in and the weighted average durations of the additional insurance liabilities:
Three Months Ended March 31,
20242023
Protection Solutions
UL
(Dollars in millions)
Balance, beginning of period$1,193 $1,109 
Beginning balance before AOCI adjustments1,230 1,135 
Effect of changes in interest rate & cash flow assumptions and model changes — 
Effect of actual variances from expected experience1 
Adjusted beginning of period balance1,231 1,141 
Interest accrual14 13 
Net assessments collected18 18 
Benefit payments(21)(18)
Ending balance before shadow reserve adjustments1,242 1,154 
Effect of reserve adjustment recorded in AOCI(48)(21)
Balance, end of period$1,194 $1,133 
Net liability for additional liability $1,194 $1,133 
Less: Reinsurance recoverable — 
Net liability for additional liability, after reinsurance recoverable$1,194 $1,133 
Weighted-average duration of additional liability - death benefit (years)19.721.6
The following tables provide the revenue, interest and weighted average interest rates, related to the additional insurance liabilities:
Three Months Ended March 31,
2024202320242023
AssessmentsInterest Accretion
(in millions)
Revenue and Interest Accretion
UL$164 $172 $14 $13 
Total$164 $172 $14 $13 

Three Months Ended March 31,
20242023
Weighted Average Interest Rate
UL4.5 %4.5 %
Interest accretion rate4.5 %4.5 %
v3.24.1.u1
MARKET RISK BENEFITS (Tables)
3 Months Ended
Mar. 31, 2024
Market Risk Benefit [Abstract]  
Schedule of Market Risk Benefit, Activity
The following table presents the balances and changes to the balances for MRBs for the GMxB benefits on deferred variable annuities:
Three Months Ended March 31,
20242023
Individual RetirementLegacyIndividual RetirementLegacy
GMxB CoreGMxB Legacy
Purchased MRB
Net LegacyGMxB CoreGMxB Legacy
Purchased MRB
Net Legacy
(in millions)
Balance, beginning of period$590 $13,418 $(9,420)$3,998 $530 $14,699 $(10,415)$4,284 
Balance BOP before changes in the instrument specific credit risk322 13,028 (9,387)3,641 529 15,314 (10,358)4,956 
Model changes and effect of changes in cash flow assumptions (3)
(2)(8)150 142 — — — — 
Actual market movement effect(160)(788)393 (395)(211)(744)387 (357)
Interest accrual16 161 (113)48 18 197 (153)44 
Attributed fees accrued (1)95 200 (80)120 95 209 (83)126 
Benefit payments(10)(321)169 (152)(12)(342)185 (157)
Actual policyholder behavior different from expected behavior5 (23)9 (14)21 (18)
Changes in future economic assumptions(194)(923)553 (370)125 944 (530)414 
Issuances(2)   (1)— — — 
Balance EOP before changes in the instrument-specific credit risk70 11,326 (8,306)3,020 550 15,599 (10,570)5,029 
Changes in the instrument-specific credit risk (2)245 375 (27)348 (233)(1,517)(99)(1,616)
Balance, end of period$315 $11,701 $(8,333)$3,368 $317 $14,082 $(10,669)$3,413 
Weighted-average age of policyholders (years)64.673.272.8N/A63.772.872.2N/A
Net amount at risk$2,764 $19,673 $10,407 N/A$3,287 $21,472 $10,045 N/A
______________
(1)Attributed fees accrued represents the portion of the fees needed to fund future GMxB claims.
(2)Changes are recorded in OCI except for reinsurer credit which is reflected in the consolidated income statement.
(3)Includes the impact primarily of a non-affiliated recapture of reinsurance completed in the first quarter of 2024.
The following table reconciles MRBs by the amounts in an asset position and amounts in a liability position to the MRB amounts in the consolidated balance sheets:
March 31, 2024December 31, 2023
Direct AssetDirect LiabilityNet Direct MRBPurchased MRBTotalDirect AssetDirect LiabilityNet Direct MRBPurchased MRBTotal
(in millions)
Individual Retirement
GMxB Core$(558)$873 $315 $ $315 $(418)$1,008 $590 $— $590 
Legacy Segment
GMxB Legacy(170)11,871 11,701 (8,333)3,368 (102)13,520 13,418 (9,420)3,998 
Other (1)(90)70 (20)(4)(24)(71)84 13 (7)
Total$(818)$12,814 $11,996 $(8,337)$3,659 $(591)$14,612 $14,021 $(9,427)$4,594 
______________
(1)Other primarily includes SCS.
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES (Tables)
3 Months Ended
Mar. 31, 2024
Policyholder Account Balance [Abstract]  
Schedule of Policyholder Account Balance
The following table summarizes balances and changes in the liability for future policy benefits for nonparticipating traditional and limited pay contracts:
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Net Premiums
Balance, beginning of period$2,133 $ $ $ $(21)$2,100 $— $— $— $(5)
Beginning balance at original discount rate2,058    (22)2,078 — — — (5)
Effect of changes in cash flow assumptions(18)    — — — — 
Effect of actual variances from expected experience(18)   1 — — — (6)
Adjusted beginning of period balance2,022    (21)2,089 — — — (11)
Issuances11     15 — — — — 
Interest accrual25     25 — — — — 
Net premiums collected(49)   1 (51)— — — 
Ending Balance at original discount rate2,009    (20)2,078 — — — (10)
Effect of changes in discount rate assumptions17    1 82 — — — — 
Balance, end of period$2,026 $ $ $ $(19)$2,160 $— $— $— $(10)
Three Months Ended March 31, 2024Three Months Ended March 31, 2023
Protection SolutionsIndividual RetirementLegacy Corporate & OtherProtection SolutionsIndividual RetirementLegacy Corporate & Other
TermPayoutPayoutGroup PensionHealthTermPayoutPayoutGroup PensionHealth
(in millions)
Present Value of Expected Future Policy Benefits
Balance, beginning of period$3,480 $844 $3,620 $490 $1,484 $3,465 $828 $2,689 $523 $1,553 
Beginning balance of original discount rate3,330 840 3,840 536 1,672 3,391 845 3,024 583 1,795 
Effect of changes in cash flow assumptions(20)(1)   — — — — 
Effect of actual variances from expected experience(23)(1)(2)1 1 — (1)(7)
Adjusted beginning of period balance3,287 838 3,838 537 1,673 3,404 846 3,024 582 1,788 
Issuances12 11 269   16 15 222 — — 
Interest accrual41 10 35 5 14 42 10 21 15 
Benefits payments(64)(23)(89)(16)(41)(95)(23)(65)(17)(33)
Ending Balance at original discount rate3,276 836 4,053 526 1,646 3,367 848 3,202 570 1,770 
Effect of changes in discount rate assumptions65 (16)(286)(53)(215)164 (258)(48)(197)
Balance, end of period$3,341 $820 $3,767 $473 $1,431 $3,531 $854 $2,944 $522 $1,573 
Impact of flooring LFPB at zero1     — — — — — 
Net liability for future policy benefits$1,316 820 3,767 473 1,450 1,371 854 2,944 522 1,583 
Less: Reinsurance recoverable24 (1)(1,068) (1,147)27 — (589)— (1,258)
Net liability for future policy benefits, after reinsurance recoverable$1,340 $819 $2,699 $473 $303 $1,398 $854 $2,355 $522 $325 
Weighted-average duration of liability for future policyholder benefits (years)6.99.37.67.08.67.09.47.97.18.7
The following table reconciles the policyholders account balances to the policyholders’ account balance liability in the consolidated balance sheets:

March 31, 2024December 31, 2023
(in millions)
Policyholders’ account balance reconciliation
Protection Solutions
Universal Life$5,163 $5,202 
Variable Universal Life4,886 4,862 
Legacy Segment
GMxB Legacy616 618 
Individual Retirement
GMxB Core22 36 
SCS54,373 49,002 
EQUI-VEST Individual2,242 2,322 
Group Retirement
EQUI-VEST Group11,430 11,563 
Momentum590 608 
Other (1) (2)
6,787 6,570 
Balance (exclusive of Funding Agreements)86,109 80,783 
Funding Agreements (2)
14,137 14,890 
Balance, end of period$100,246 $95,673 
_____________
(1)Primarily reflects products IR Payout, IR Other, Indexed Universal Life, Investment Edge, Group Pension, Closed Block and Corporate and Other.
(2)Balances as of December 31, 2023 were revised from previously filed financial statements.
The following table summarizes the balances and changes in policyholder’s account balances:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,202 $4,862 $618 $36 $49,002 $2,322 $11,563 $608 
Premiums received166 27 19 58 5 7 151 18 
Policy charges(182)(64)18 (6)(4) (1) 
Surrenders and withdrawals(20)(20)(22)(8)(953)(91)(443)(30)
Benefit payments(58)(19)(24)(1)(72)(15)(17)(1)
Net transfers from (to) separate account 48 1 (59)3,175 2 81 (8)
Interest credited (2)55 52 6 2 3,220 17 96 3 
Other        
Balance, end of period$5,163 $4,886 $616 $22 $54,373 $2,242 $11,430 $590 
Weighted-average crediting rate3.79%3.73%2.71%1.65%N/A2.98%2.65%2.33%
Net amount at risk (3)$34,991 $115,499 $19,673 $2,764 $ $104 $6 $ 
Cash surrender value$3,405 $3,186 $550 $258 $50,667 $2,235 $11,368 $591 
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST Group includes amounts related to the change in embedded derivative.
(3)For life insurance products the net amount at risk is death benefit less account value for the policyholder. For variable annuity products the net amount at risk is the maximum GMxB NAR for the policyholder.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement

Universal LifeVariable Universal LifeGMxB LegacyGMxB CoreSCS (1)EQUI-VEST IndividualEQUI-VEST GroupMomentum
(Dollars in millions)
Balance, beginning of period$5,340$4,909$688$69$35,702$2,652$12,045$702
Premiums received1843820461114819
Policy charges(194)(65)19(4)(1)(1)
Surrenders and withdrawals(18)(1)(25)(8)(607)(94)(405)(30)
Benefit payments(76)(40)(24)(1)(59)(20)(17)(2)
Net transfers from (to) separate account(45)(49)1,982369(9)
Interest credited (2)5555721,620191023
Other311
Balance, end of period$5,291$4,851$685$55$38,637$2,574$11,952$683
Weighted-average crediting rate3.64%3.81%1.78%1.05%1.12%3.09%2.99%2.03%
Net amount at risk (3)$37,031$114,419$21,472$3,287$43$128$58$
Cash surrender value$3,475$3,293$957$284$35,286$2,567$11,871$684
______________
(1)SCS sales are recorded as a Separate Account liability until they are swept into the General Account. This sweep is recorded as Net Transfers from (to) separate account.
(2)SCS and EQUI-VEST includes amounts related to the change in embedded derivative.
(3)For life insurance products, the net amount at risk is the death benefit less account value for the policyholder. For variable annuity products, the net amount at risk is the maximum GMxB NAR for the policyholder.
The following table reconciles the Separate Account liabilities to the Separate Account liability balance in the consolidated balance sheets:
March 31, 2024December 31, 2023
(in millions)
Separate Account Reconciliation
Protection Solutions
Variable Universal Life$17,007 $15,821 
Legacy Segment
GMxB Legacy34,860 33,794 
Individual Retirement
GMxB Core30,820 29,829 
EQUI-VEST Individual4,826 4,582 
Investment Edge4,524 4,275 
Group Retirement
EQUI-VEST Group29,018 26,959 
Momentum4,706 4,421 
Other (1)7,974 7,570 
Total$133,735 $127,251 
______________
(1)Primarily reflects Corporate and Other products and Group Retirement products including Association and Group Retirement Other.
The following table presents the balances of and changes in Separate Account liabilities:
Three Months Ended March 31, 2024
Protection SolutionsLegacyIndividual RetirementGroup Retirement    
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$15,821 $33,794 $29,829 $4,582 $4,275 $26,959 $4,421 
Premiums and deposits306 54 504 18 310 565 181 
Policy charges (143)(168)(115)(1) (4)(6)
Surrenders and withdrawals(142)(812)(820)(129)(135)(542)(208)
Benefit payments(16)(196)(78)(15)(5)(17)(4)
Investment performance (1)1,229 2,189 1,442 373 258 2,138 314 
Net transfers from (to) General Account
(48)(1)58 (2)(179)(81)8 
Other charges
       
Balance, end of period$17,007 $34,860 $30,820 $4,826 $4,524 $29,018 $4,706 
Cash surrender value$16,648 $34,595 $29,979 $4,792 $4,437 $28,733 $4,699 
_____________
(1)Investment performance is reflected net of M&E fees.
Three Months Ended March 31, 2023
Protection SolutionsLegacyIndividual RetirementGroup Retirement
VULGMxB LegacyGMxB CoreEQUI-VEST IndividualInvestment EdgeEQUI-VEST GroupMomentum
(in millions)
Balance, beginning of period$13,187 $32,616 $27,772 $4,161 $3,798 $22,393 $3,885 
Premiums and deposits287 65 256 26 253 531 178 
Policy charges (137)(178)(115)(1)— (4)(5)
Surrenders and withdrawals(117)(660)(559)(100)(95)(359)(157)
Benefit payments(24)(192)(56)(14)(12)(15)(3)
Investment performance (1)843 1,808 1,202 269 175 1,438 235 
Net transfers from (to) General Account
45 — 49 (3)(140)(69)
Other charges — — — — 25 — 
Balance, end of period$14,084 $33,459 $28,549 $4,342 $3,979 $23,940 $4,142 
Cash surrender value$13,755 $33,181 $27,680 $4,310 $3,885 $23,702 $4,136 
______________
(1)    Investment performance is reflected net of M&E fees.
Schedule of Policyholder Account Balance, Guaranteed Minimum Crediting Rate
The following table presents the account values by range of guaranteed minimum crediting rates and the related range of the difference in basis points, between rates being credited policyholders and the respective guaranteed minimums:
March 31, 2024
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
Protection Solutions
Universal Life
0.00% - 1.50%
$ $ $ $6 $6 
1.51% - 2.50%
38 89 415 485 1,026 
 Greater than2.50%
3,484 617   4,101 
Total
$3,521 $707 $415 $491 $5,133 
Variable Universal Life
0.00% - 1.50%
$13 $23 $69 $16 $121 
1.51% - 2.50%
29 457 74  561 
Greater than 2.50%
3,703  14 5 3,723 
Total
$3,746 $480 $157 $21 $4,404 
Legacy Segment
March 31, 2024
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
GMxB Legacy
0.00% - 1.50%
$72 $16 $ $ $87 
1.51% - 2.50%
20    20 
Greater than 2.50%
444    444 
Total
$536 $16 $ $ $551 
Individual Retirement
GMxB Core
0.00% - 1.50%
$12 $184 $ $ $196 
1.51% - 2.50%
12    12 
Greater than 2.50%
57    57 
Total
$81 $184 $ $ $265 
EQUI-VEST Individual
0.00% - 1.50%
$47 $213 $ $ $259 
1.51% - 2.50%
41    41 
Greater than 2.50%
1,940    1,940 
Total
$2,027 $213 $ $ $2,240 
Group Retirement
EQUI-VEST
Group
0.00% - 1.50%
$756 $2,356 $36 $289 $3,436 
1.51% - 2.50%
347    347 
Greater than 2.50%
6,448    6,449 
Total
$7,551 $2,356 $36 $289 $10,232 
Momentum
0.00% - 1.50%
$ $13 $318 $53 $384 
1.51% - 2.50%
132 1   133 
Greater than 2.50%
68  5  72 
Total
$199 $14 $322 $53 $589 

December 31, 2023
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
 1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
Protection Solutions
Universal Life
0.00% - 1.50%
$— $— $— $$
1.51% - 2.50%
61 69 462 430 1,022 
Greater than 2.50%
3,515 627 — — 4,142 
Total$3,576 $696 $462 $436 $5,170 
Variable Universal Life
0.00% - 1.50%
$16 $33 $53 $$111 
1.51% - 2.50%
35 495 28 — 558 
Greater than 2.50%
3,712 — 13 3,730 
Total$3,763 $528 $94 $14 $4,399 
Legacy Segment
December 31, 2023
Product
(1)
Range of Guaranteed Minimum Crediting RateAt Guaranteed Minimum
 1 Basis Point - 50 Basis Points Above
51 Basis Points - 150 Basis Points Above
 Greater Than 150 Basis Points Above
 Total
( in millions)
GMxB Legacy
0.00% - 1.50%
$75 $16 $— $— $91 
1.51% - 2.50%
21 — — — 21 
Greater than 2.50%
461 — — — 461 
Total$557 $16 $— $— $573 
Individual Retirement
GMxB Core
0.00% - 1.50%
$13 $192 $— $— $205 
1.51% - 2.50%
13 — — — 13 
Greater than 2.50%
55 — — — 55 
Total$81 $192 $— $— $273 
EQUI-VEST Individual
0.00% - 1.50%
$49 $218 $— $— $267 
1.51% - 2.50%
43 — — — 43 
Greater than 2.50%
2,011 — — — 2,011 
Total$2,103 $218 $— $— $2,321 
SCS
Products with either a fixed rate or no guaranteed minimum
N/AN/AN/AN/AN/A
Group Retirement
EQUI-VEST Group
0.00% - 1.50%
$772 $2,338 $36 $315 $3,461 
1.51% - 2.50%
345 — — — 345 
Greater than 2.50%
6,610 — — — 6,610 
Total$7,727 $2,338 $36 $315 $10,416 
Momentum
0.00% - 1.50%
$— $12 $330 $53 $395 
1.51% - 2.50%
138 — — 139 
Greater than 2.50%
68 — — 73 
Total$206 $13 $335 $53 $607 
Schedule of Aggregate Fair Value of Separate Account Assets
The following table presents the aggregate fair value of Separate Account assets by major asset category:
March 31, 2024
Protection SolutionsIndividual RetirementGroup Retirement    Corp & OtherLegacy SegmentTotal
(in millions)
Asset Type
Debt securities$46 $1 $20 $6 $ $73 
Common Stock64 35 450 1,713  2,262 
Mutual Funds17,419 41,755 35,235 688 34,951 130,048 
Bonds and Notes91 3 1 1,257  1,352 
Total$17,620 $41,794 $35,706 $3,664 $34,951 $133,735 

December 31, 2023
Protection SolutionsIndividual RetirementGroup Retirement    Corp & OtherLegacy SegmentTotal
(in millions)
Asset Type
Debt securities$48 $$21 $$— $76 
Common Stock65 34 447 1,667 — 2,213 
Mutual Funds16,199 40,113 32,780 689 33,802 123,583 
Bonds and Notes91 1,283 — 1,379 
Total$16,403 $40,152 $33,249 $3,645 $33,802 $127,251 
v3.24.1.u1
EMPLOYEE BENEFIT PLANS (Tables)
3 Months Ended
Mar. 31, 2024
Retirement Benefits [Abstract]  
Schedule of Net Benefit Costs
Components of net periodic pension expense for the Company’s plans were as follows:
Three Months Ended March 31,
20242023
 (in millions)
Service cost$2 $
Interest cost30 31 
Expected return on assets(37)(39)
Prior period service cost amortization(1)(1)
Actuarial (gain) loss — 
Net amortization14 
Net Periodic Pension Expense$8 $
v3.24.1.u1
EQUITY (Tables)
3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
Schedule of Stock by Class
Preferred stock authorized, issued and outstanding was as follows:
March 31, 2024December 31, 2023
SeriesShares AuthorizedShares
 Issued
Shares OutstandingShares AuthorizedShares
 Issued
Shares Outstanding
Series A 32,000 32,000 32,000 32,000 32,000 32,000 
Series B 20,000 20,000 20,000 20,000 20,000 20,000 
Series C12,000 12,000 12,000 12,000 12,000 12,000 
Total64,000 64,000 64,000 64,000 64,000 64,000 
Schedule of Dividends Declared
Dividends declared per share were as follows:
Three Months Ended March 31,
20242023
Series A dividends declared $328 $328 
Series B dividends declared$ $— 
Series C dividends declared$269 $269 
Common Stock
Dividends declared per share of common stock were as follows:
Three Months Ended March 31,
20242023
Dividends declared$0.22 $0.20 
Schedule of Accumulated Other Comprehensive Income (Loss) The balances as of March 31, 2024 and December 31, 2023 follow:
 March 31, 2024December 31, 2023
 
(in millions)
Unrealized gains (losses) on investments$(7,183)$(6,638)
Market risk benefits - instrument-specific credit risk component(601)(633)
Liability for future policy benefits - current discount rate component306 182 
Defined benefit pension plans(645)(652)
Foreign currency translation adjustments(87)(76)
Total accumulated other comprehensive income (loss)(8,210)(7,817)
Less: Accumulated other comprehensive income (loss) attributable to noncontrolling interest(44)(40)
Accumulated other comprehensive income (loss) attributable to Holdings$(8,166)$(7,777)
Schedule of Components of Accumulated Other Comprehensive Income (Loss), Net of Taxes
The components of OCI, net of taxes are as three months ended March 31, 2024 and 2023 follow:
Three Months Ended March 31,
 20242023
 (in millions)
Change in net unrealized gains (losses) on investments:
Net unrealized gains (losses) arising during the period$(543)$1,571 
(Gains) losses reclassified into net income (loss) during the period (1)21 63 
Net unrealized gains (losses) on investments(522)1,634 
Adjustments for policyholders’ liabilities, DAC, insurance liability loss recognition and other9 (8)
Change in unrealized gains (losses), net of adjustments (net of deferred income tax expense (benefit) of $(133) and $341)
(513)1,626 
Change in LFPB discount rate and MRB credit risk, net of tax
Market risk benefits - changes in instrument-specific credit risk (net of deferred income tax expense (benefit) of $7 and $249)
25 938 
Liability for future policy benefits - changes in current discount rate (net of deferred income tax expense (benefit) of $26 and $(30) )
98 (112)
Change in defined benefit plans:
Reclassification to Net income (loss) of amortization of net prior service credit included in net periodic cost8 20 
Change in defined benefit plans (net of deferred income tax expense (benefit) of $(2), and $(6))
8 20 
Foreign currency translation adjustments:
Foreign currency translation gains (losses) arising during the period(11)
Foreign currency translation adjustment(11)
Total other comprehensive income (loss), net of income taxes(393)2,478 
Less: Other comprehensive income (loss) attributable to noncontrolling interest(4)
Other comprehensive income (loss) attributable to Holdings$(389)$2,476 
______________
(1)See “Reclassification adjustment” in Note 3 of the Notes to these Consolidated Financial Statements. Reclassification amounts presented net of income tax expense (benefit) of $(5) million and $(17) million for the three months ended March 31, 2024 and 2023, respectively.
v3.24.1.u1
REDEEMABLE NONCONTROLLING INTEREST (Tables)
3 Months Ended
Mar. 31, 2024
Noncontrolling Interest [Abstract]  
Schedule of Redeemable Noncontrolling Interest
The changes in the components of redeemable noncontrolling interests were as follows:
Three Months Ended March 31,
 20242023
(in millions)
Balance, beginning of period$770 $455 
Net earnings (loss) attributable to redeemable noncontrolling interests18 12 
Purchase/change of redeemable noncontrolling interests203 146 
Balance, end of period$991 $613 
v3.24.1.u1
COMMITMENTS AND CONTINGENT LIABILITIES (Tables)
3 Months Ended
Mar. 31, 2024
Commitments and Contingencies Disclosure [Abstract]  
Schedule of Activity of Funding Agreements The table below summarizes the Company’s activity of funding agreements with the FHLB.
Change in FHLB Funding Agreements during the Three Months Ended March 31, 2024
Outstanding Balance at December 31, 2023Issued During the PeriodRepaid During the PeriodLong-term Agreements Maturing Within One YearLong-term Agreements Maturing Within Five YearsOutstanding Balance at March 31, 2024
(in millions)
Short-term funding agreements:
Due in one year or less$6,168 $15,193 $(15,643)$ $ $5,718 
Long-term funding agreements:
Due in years two through five799     799 
Due in more than five years648     648 
Total long-term funding agreements1,447     1,447 
Total funding agreements (1)$7,615 $15,193 $(15,643)$ $ $7,165 
_____________
(1)The $3 million and $3 million difference between the funding agreements carrying value shown in fair value table for March 31, 2024 and December 31, 2023, respectively, reflects the remaining amortization of a hedge implemented and closed, which locked in the funding agreements borrowing rates.
The table below summarizes Equitable Financial’s activity of funding agreements under the FABN program.
Change in FABN Funding Agreements during the Three Months Ended March 31, 2024
Outstanding Balance at December 31, 2023Issued During the PeriodRepaid During the PeriodLong-term Agreements Maturing Within One YearLong-term Agreements Maturing Within Five YearsForeign Currency Transaction AdjustmentOutstanding Balance at March 31,
2024
(in millions)
Short-term funding agreements:
Due in one year or less$1,000 $ $ $ $ $ $1,000 
Long-term funding agreements:
Due in years two through five4,984     (16)4,968 
Due in more than five years300      300 
Total long-term funding agreements5,284     (16)5,268 
Total funding agreements (1)$6,284 $ $ $ $ $(16)$6,268 
_____________
(1)The $16 million and $17 million difference between the funding agreements notional value shown and carrying value table as of March 31, 2024 and December 31, 2023, respectively, reflects the remaining amortization of the issuance cost of the funding agreements and the foreign currency transaction adjustment.
v3.24.1.u1
BUSINESS SEGMENT INFORMATION (Tables)
3 Months Ended
Mar. 31, 2024
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information, by Segment
The table below presents operating earnings (loss) by segment and Corporate and Other and a reconciliation to net income (loss) attributable to Holdings:
 Three Months Ended March 31,
 20242023
(in millions)
Net income (loss) attributable to Holdings$114 $177 
Adjustments related to:
Variable annuity product features
319 861 
Investment (gains) losses39 87 
Net actuarial (gains) losses related to pension and other postretirement benefit obligations17 
Other adjustments (1)
91 45 
Income tax expense (benefit) related to above adjustments (98)(210)
Non-recurring tax items (2)
8 (605)
Non-GAAP Operating Earnings$490 $364 
 Three Months Ended March 31,
 20242023
(in millions)
Operating earnings (loss) by segment:
Individual Retirement$228 $200 
Group Retirement$126 $89 
Investment Management and Research$106 $99 
Protection Solutions$41 $(35)
Wealth Management$43 $32 
Legacy$51 $60 
Corporate and Other (3)
$(105)$(81)
______________
(1)Includes certain gross legal expenses related to the cost of insurance litigation of $106 million for the three months ended March 31, 2024.
(2)For the three months ended March, 31 2024, non-recurring tax items reflects the effect of uncertain tax positions for a given audit period and for the three months ended March 31, 2023 primarily includes a decrease of the deferred tax valuation allowance of $614 million.
(3)Includes interest expense and financing fees of $56 million and $67 million for the three months ended March 31, 2024 and 2023, respectively.
The table below presents revenues by segment and Corporate and Other:
 
Three Months Ended March 31,
 
20242023
(in millions)
Segment revenues:
Individual Retirement (1)$766 $588 
Group Retirement (1)292 237 
Investment Management and Research (2)1,093 1,009 
Protection Solutions (1)825 767 
Wealth Management (3)423 362 
Legacy (1)210 206 
Corporate and Other (1)
246 281 
Eliminations(216)(180)
Adjustments related to:
Variable annuity product features(319)(861)
Investment gains (losses), net(39)(87)
Other adjustments to segment revenues(1,051)35 
Total revenues$2,230 $2,357 
______________
(1)Includes investment expenses charged by AB of $36 million and $38 million for the three months ended March 31, 2024 and 2023, respectively, for services provided to the Company.
(2)Inter-segment investment management and other fees of $42 million and $43 million for the three months ended March 31, 2024 and 2023, respectively, are included in segment revenues of the Investment Management and Research segment.
(3)Inter-segment distribution fees of $200 million and $175 million for the three months ended March 31, 2024 and 2023, respectively, are included in segment revenues of the Wealth Management segment.
Total assets by segment were as follows:
 
March 31, 2024December 31, 2023
(in millions)
Total assets by segment:
Individual Retirement$94,514 $90,805 
Group Retirement49,351 47,260 
Investment Management and Research11,276 11,088 
Protection Solutions40,102 38,933 
Wealth Management199 144 
Legacy49,711 49,487 
Corporate and Other40,424 39,097 
Total assets$285,577 $276,814 
v3.24.1.u1
EARNINGS PER COMMON SHARE (Tables)
3 Months Ended
Mar. 31, 2024
Earnings Per Share [Abstract]  
Schedule of Earnings Per Share, Basic and Diluted
The following table presents a reconciliation of net income (loss) and weighted-average common shares used in calculating basic and diluted earnings per common share:
 
Three Months Ended March 31,
 
20242023
(in millions, except per share data)
Weighted-average common shares outstanding:
Weighted-average common shares outstanding basic
330.2 361.9 
Effect of dilutive potential common shares:
Employee share awards (1)2.5 2.2 
Weighted-average common shares outstanding — diluted
332.7 364.1 
Net income (loss):
Net income (loss)$217 $266 
Less: Net income (loss) attributable to the noncontrolling interest103 89 
Net income (loss) attributable to Holdings114 177 
Less: Preferred stock dividends14 14 
Net income (loss) available to Holdings’ common shareholders$100 $163 
Earnings per common share:
Basic$0.30 $0.45 
Diluted$0.30 $0.45 
______________
(1)Calculated using the treasury stock method.
v3.24.1.u1
HELD-FOR-SALE (Tables)
3 Months Ended
Mar. 31, 2024
Discontinued Operations and Disposal Groups [Abstract]  
Schedule of Assets And Liabilities Held-for-sale
The following table summarizes the assets and liabilities classified as held-for-sale on the Company’s consolidated balance sheets:
March 31,
December 31,
2024 (1)2023 (1)
(in millions)
Cash and cash equivalents$319 $153 
Broker-dealer related receivables69 107 
Trading securities, at fair value13 17 
Goodwill and other intangible assets ,net164 164 
Other assets (2)180 124 
Total assets held-for-sale$745 $565 
Broker-dealer related payables$38 $39 
Customers related payables20 17 
Other liabilities181 97 
Total liabilities held-for-sale$239 $153 
______________
(1)The assets and liabilities classified as held-for-sale are reported within our Investment Management & Research segment.
(2)Other assets includes a valuation adjustment decrease of $6 million and $7 million, as of March 31, 2024 and December 31, 2023, respectively.
v3.24.1.u1
ORGANIZATION (Details) - segment
3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Organization Basis Of Presentation [Line Items]    
Number of operating segments 6  
Alliance Bernstein    
Organization Basis Of Presentation [Line Items]    
Economic interest 61.00% 61.00%
v3.24.1.u1
SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Variable Interest Entity [Line Items]        
Investments $ 102,620 $ 102,173    
Fixed maturities, at fair value using the fair value option [1] 1,687 1,654    
Notes issued by consolidated variable interest entities, at fair value using the fair value option [1] 1,580 1,559    
Unpaid outstanding balance and short-term borrowing 1,600 1,600    
Assets 285,577 276,814    
Liabilities 280,831 271,656    
Redeemable noncontrolling interest 991 [1],[2] 770 [1],[2] $ 613 $ 455
Variable Interest Entity, Primary Beneficiary | CLO Warehouse Debt        
Variable Interest Entity [Line Items]        
Investments 110 113    
Investment assets, special purpose entity 24      
Consolidated Limited Partnerships        
Variable Interest Entity [Line Items]        
Assets 2,500 1,800    
Consolidated Entity | AB-Sponsored Investment Funds        
Variable Interest Entity [Line Items]        
Assets 188 309    
Liabilities 10 10    
Redeemable noncontrolling interest 104 203    
Consolidated Entity, Excluding VIE | AB-Sponsored Investment Funds        
Variable Interest Entity [Line Items]        
Assets 129 121    
Liabilities 4 3    
Redeemable noncontrolling interest 21 7    
Non-consolidated Vairable Interest Entities        
Variable Interest Entity [Line Items]        
Investments 2,700 2,600    
Assets 273,100 268,600    
Variable interest entity, maximum loss exposure 2,700 2,600    
Unfunded commitments 1,300 1,300    
Non-consolidated Vairable Interest Entities | AB-Sponsored Investment Funds        
Variable Interest Entity [Line Items]        
Variable interest entity, maximum loss exposure 22 10    
Non-consolidated Vairable Interest Entities | AB-Sponsored Investment Funds        
Variable Interest Entity [Line Items]        
Assets $ 65,500 $ 54,600    
[1] See Note 2 of the Notes to these Consolidated Financial Statements for details of balances with VIEs.
[2] See Note 14 of the Notes to these Consolidated Financial Statements for details of redeemable noncontrolling interest.
v3.24.1.u1
INVESTMENTS - Narrative (Details)
3 Months Ended 12 Months Ended
Mar. 31, 2024
USD ($)
issue
loan
Mar. 31, 2023
USD ($)
Dec. 31, 2023
USD ($)
extension
loan
issue
Net Investment Income [Line Items]      
Number of positions in unrealized loss position | issue 4,380   4,402
Debt securities exposure in single issuer greater than stated percentage of total investments 0.70%    
Amortized cost of fixed maturities available-for-sale $ 75,270,000,000   $ 74,033,000,000
12 months or longer, gross unrealized losses 7,810,000,000   7,261,000,000
Loaned securities $ 144,000,000   113,000,000
Minimum requirement percentage of the fair value of the loaned securities to be held as cash collateral 102.00%    
Cash collateral $ 147,000,000   116,000,000
Allowance for credit losses $ 297,000,000 $ 139,000,000 $ 279,000,000
Number of loans | loan 0   4
Amortized cost $ 235,000,000   $ 234,000,000
Percentage of total commercial mortgage loans representing amortized cost 1.50%   1.50%
Number of troubled debt restructuring extensions | extension     2
Separate account equity investment carrying value $ 53,000,000   $ 49,000,000
Interest credited to policyholders account balances participating group annuity contracts 0 0  
Recurring      
Net Investment Income [Line Items]      
Trading securities, at fair value 1,340,000,000   $ 1,057,000,000
Minimum      
Net Investment Income [Line Items]      
Debt instrument, term     17 months
Maximum      
Net Investment Income [Line Items]      
Debt instrument, term     4 years
Commercial, Agricultural And Residential Mortgage Loan      
Net Investment Income [Line Items]      
Accrued investment income receivable 85,000,000   $ 82,000,000
Accrued interest written off $ 0 0  
Individually Assessed Mortgage Loans      
Net Investment Income [Line Items]      
Number of mortgage loans, foreclosure probable | loan 1   1
Mortgage loans foreclosure probable $ 108,000,000   $ 108,000,000
Allowance for credit losses 54,000,000   54,000,000
Mortgage Loans      
Net Investment Income [Line Items]      
Non-accruing loans, amortized cost 127,000,000   127,000,000
Fixed maturities      
Net Investment Income [Line Items]      
Accrued investment income receivable 643,000,000   626,000,000
Accrued interest written off 0 $ 0  
Amortized cost of fixed maturities available-for-sale 75,300,000,000   74,000,000,000
Fixed maturities | Non-Investment Grade      
Net Investment Income [Line Items]      
Available-for-sale securities, amortized cost basis other than investment grade $ 3,000,000,000   $ 2,600,000,000
Percentage of available for sale securities 4.00%   3.50%
Unrealized loss on available for sale securities $ 127,000,000   $ 101,000,000
Public Corporate      
Net Investment Income [Line Items]      
Exposure in single issuer of total investments $ 317,000,000   $ 360,000,000
Debt securities exposure in single issuer of total investments, percentage 8.40%   8.20%
Amortized cost of fixed maturities available-for-sale $ 49,975,000,000   $ 49,786,000,000
12 months or longer, gross unrealized losses $ 5,702,000,000   $ 5,231,000,000
v3.24.1.u1
INVESTMENTS - Available-for-sale Securities (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost $ 75,270   $ 74,033
Allowance for Credit Losses 4   4
Gross Unrealized Gains 337   409
Gross Unrealized Losses 7,997   7,408
Fair Value 67,606   67,030
Amortized Cost (Less Allowance for Credit Losses)      
Due in one year or less 1,898    
Due in years two through five 14,627    
Due in years six through ten 16,210    
Due after ten years 24,292    
Subtotal 57,027    
Amortized Cost (Less Allowance for Credit Losses) 75,266    
Fair Value      
Due in one year or less 1,877    
Due in years two through five 14,108    
Due in years six through ten 15,013    
Due after ten years 18,959    
Subtotal 49,957    
Fair Value 67,606   67,030
Fixed Maturities Proceeds Gross Gains And Gross Losses From Sales And Other Than Temporary Impairments      
Proceeds from sales 444 $ 825  
Gross gains on sales 0 2  
Gross losses on sales (24) (26)  
Net (increase) decrease in Allowance for Credit and Intent to Sell losses (2) (56)  
Fixed Maturities - Credit Loss Impairments      
Balance, beginning of period 48 36  
Previously recognized impairments on securities that matured, paid, prepaid or sold (4) (3)  
Recognized impairments on securities impaired to fair value this period 0 52  
Credit losses recognized this period on securities for which credit losses were not previously recognized 3 3  
Additional credit losses this period on securities previously impaired 1 1  
Balance, end of period 48 $ 89  
Corporate      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 49,975   49,786
Allowance for Credit Losses 4   4
Gross Unrealized Gains 252   320
Gross Unrealized Losses 5,865   5,360
Fair Value 44,358   44,742
Fair Value      
Fair Value 44,358   44,742
U.S. government, agencies and authorities      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 5,759   5,735
Allowance for Credit Losses 0   0
Gross Unrealized Gains 0   2
Gross Unrealized Losses 1,264   1,106
Fair Value 4,495   4,631
Fair Value      
Fair Value 4,495   4,631
States and political subdivisions      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 586   614
Allowance for Credit Losses 0   0
Gross Unrealized Gains 6   9
Gross Unrealized Losses 79   74
Fair Value 513   549
Fair Value      
Fair Value 513   549
Foreign governments      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 711   719
Allowance for Credit Losses 0   0
Gross Unrealized Gains 2   3
Gross Unrealized Losses 122   111
Fair Value 591   611
Fair Value      
Fair Value 591   611
Residential mortgage-backed      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 2,678   2,470
Allowance for Credit Losses 0   0
Gross Unrealized Gains 10   18
Gross Unrealized Losses 148   133
Fair Value 2,540   2,355
Amortized Cost (Less Allowance for Credit Losses)      
Without single maturity date 2,678    
Fair Value      
Without single maturity date 2,540    
Fair Value 2,540   2,355
Asset-backed      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 11,852   11,058
Allowance for Credit Losses 0   0
Gross Unrealized Gains 60   52
Gross Unrealized Losses 85   109
Fair Value 11,827   11,001
Amortized Cost (Less Allowance for Credit Losses)      
Without single maturity date 11,852    
Fair Value      
Without single maturity date 11,827    
Fair Value 11,827   11,001
Commercial mortgage-backed      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 3,653   3,595
Allowance for Credit Losses 0   0
Gross Unrealized Gains 4   2
Gross Unrealized Losses 434   515
Fair Value 3,223   3,082
Amortized Cost (Less Allowance for Credit Losses)      
Without single maturity date 3,653    
Fair Value      
Without single maturity date 3,223    
Fair Value 3,223   3,082
Redeemable preferred stock      
Debt Securities, Available-for-sale [Line Items]      
Amortized Cost 56   56
Allowance for Credit Losses 0   0
Gross Unrealized Gains 3   3
Gross Unrealized Losses 0   0
Fair Value 59   59
Amortized Cost (Less Allowance for Credit Losses)      
Without single maturity date 56    
Fair Value      
Without single maturity date 59    
Fair Value $ 59   $ 59
v3.24.1.u1
INVESTMENTS - Net Unrealized Gain (Losses) (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Beginning of year $ 4,388 $ 3,141
Net unrealized investment gains (losses) (522) 1,634
End of year 3,755 5,471
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Unrealized Investment Gains (Losses), All Other | Net Unrealized Gains (Losses) on Investments    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Beginning of year (6,999) (9,606)
Net investment gains (losses) arising during the period (683) 1,555
Included in net income (loss) 26 80
Other 0 0
Impact of net unrealized investment gains (losses) 0 0
End of year (7,660) (7,978)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Unrealized Investment Gains (Losses), All Other | Policyholders’ Liabilities    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Beginning of year 50 41
Net investment gains (losses) arising during the period 0 0
Included in net income (loss) 0 0
Other 0 0
Impact of net unrealized investment gains (losses) 13 (8)
End of year 63 33
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Unrealized Investment Gains (Losses), All Other | Deferred Income Tax Asset (Liability)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Beginning of year 226 440
Net investment gains (losses) arising during the period 0 0
Included in net income (loss) 0 0
Other 3 (342)
Impact of net unrealized investment gains (losses) 134 (342)
End of year 358 441
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Unrealized Investment Gains (Losses), All Other | AOCI Gains (Losses) Related To Net Unrealized Investment Gains (Losses)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Beginning of year (6,723) (9,125)
Net investment gains (losses) arising during the period (683) 1,555
Included in net income (loss) 26 80
Other 3 (342)
Impact of net unrealized investment gains (losses) 147 (350)
End of year (7,239) (7,504)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) excluding credit losses | Net Unrealized Gains (Losses) on Investments    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) (7,656) (7,971)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) excluding credit losses | Policyholders’ Liabilities    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) 63 33
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) excluding credit losses | Deferred Income Tax Asset (Liability)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) 357 440
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) excluding credit losses | AOCI Gains (Losses) Related To Net Unrealized Investment Gains (Losses)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) (7,236) (7,498)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) with credit losses | Net Unrealized Gains (Losses) on Investments    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) (4) (7)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) with credit losses | Policyholders’ Liabilities    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) 0 0
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) with credit losses | Deferred Income Tax Asset (Liability)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) 1 1
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Net unrealized investment gains (losses) with credit losses | AOCI Gains (Losses) Related To Net Unrealized Investment Gains (Losses)    
Debt Securities, Available-For-Sale, Net Unrealized Investments [Roll Forward]    
Net unrealized investment gains (losses) $ (3) $ (6)
v3.24.1.u1
INVESTMENTS - Fixed Maturities Available-for-sale (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value $ 7,142 $ 3,194
Less than 12 months, gross unrealized losses 182 144
12 months or longer, fair value 42,615 47,821
12 months or longer, gross unrealized losses 7,810 7,261
Total fair value 49,757 51,015
Total gross unrealized losses 7,992 7,405
Corporate    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 4,228 2,228
Less than 12 months, gross unrealized losses 158 126
12 months or longer, fair value 31,870 33,135
12 months or longer, gross unrealized losses 5,702 5,231
Total fair value 36,098 35,363
Total gross unrealized losses 5,860 5,357
U.S. government, agencies and authorities    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 101 111
Less than 12 months, gross unrealized losses 2 2
12 months or longer, fair value 4,320 4,447
12 months or longer, gross unrealized losses 1,262 1,104
Total fair value 4,421 4,558
Total gross unrealized losses 1,264 1,106
States and political subdivisions    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 10 10
Less than 12 months, gross unrealized losses 0 0
12 months or longer, fair value 304 300
12 months or longer, gross unrealized losses 79 74
Total fair value 314 310
Total gross unrealized losses 79 74
Foreign governments    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 56 15
Less than 12 months, gross unrealized losses 2 2
12 months or longer, fair value 487 517
12 months or longer, gross unrealized losses 120 109
Total fair value 543 532
Total gross unrealized losses 122 111
Residential mortgage-backed    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 612 210
Less than 12 months, gross unrealized losses 7 2
12 months or longer, fair value 1,008 1,044
12 months or longer, gross unrealized losses 141 131
Total fair value 1,620 1,254
Total gross unrealized losses 148 133
Asset-backed    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 2,087 528
Less than 12 months, gross unrealized losses 5 1
12 months or longer, fair value 1,737 5,522
12 months or longer, gross unrealized losses 80 108
Total fair value 3,824 6,050
Total gross unrealized losses 85 109
Commercial mortgage-backed    
Available-For-Sale Securities, Continuous Unrealized Loss Position [Line Items]    
Less than twelve months, fair value 48 92
Less than 12 months, gross unrealized losses 8 11
12 months or longer, fair value 2,889 2,856
12 months or longer, gross unrealized losses 426 504
Total fair value 2,937 2,948
Total gross unrealized losses $ 434 $ 515
v3.24.1.u1
INVESTMENTS - Mortgage Loans (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]    
Balance, beginning of period $ 279  
Balance, end of period 297 $ 139
Commercial mortgages:    
Financing Receivable, Allowance for Credit Loss [Roll Forward]    
Balance, beginning of period 272 123
Current-period provision for expected credit losses 16 10
Write-offs charged against the allowance 0 0
Recoveries of amounts previously written off 0 0
Net change in allowance 16 10
Balance, end of period 288 133
Agricultural mortgages:    
Financing Receivable, Allowance for Credit Loss [Roll Forward]    
Balance, beginning of period 6 6
Current-period provision for expected credit losses 0 0
Write-offs charged against the allowance 0 0
Recoveries of amounts previously written off 0 0
Net change in allowance 0 0
Balance, end of period 6 6
Residential mortgages:    
Financing Receivable, Allowance for Credit Loss [Roll Forward]    
Balance, beginning of period 1 0
Current-period provision for expected credit losses 2 0
Write-offs charged against the allowance 0 0
Recoveries of amounts previously written off 0 0
Net change in allowance 2 0
Balance, end of period $ 3 $ 0
v3.24.1.u1
INVESTMENTS - Credit Quality (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total $ 18,867 $ 18,450
Total 18,614 18,197
Non-accruing Loans 253 253
Non-accruing Loans with No Allowance 0 0
Interest Income on Non-accruing Loans 0 7
Past Due    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 60 84
30-59 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 1 39
60-89 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 5 5
90 Days or More    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 54 40
Current    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 18,554 18,113
Commercial    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 195 1,481
Fiscal year before current fiscal year 1,468 3,277
Two years before current fiscal year 3,223 2,102
Three years before current fiscal year 2,101 1,362
Four years before current fiscal year 1,360 636
Prior 6,660 6,118
Revolving Loans Amortized Cost Basis 579 500
Revolving Loans Converted to Term Loans Amortized Cost Basis 132 131
Total 15,718 15,607
Total 15,484 15,373
Non-accruing Loans 234 234
Non-accruing Loans with No Allowance 0 0
Interest Income on Non-accruing Loans 0 7
Commercial | Past Due    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 32
Commercial | 30-59 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 32
Commercial | 60-89 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Commercial | 90 Days or More    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Commercial | Current    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 15,484 15,341
Commercial | Greater than 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 175
Fiscal year before current fiscal year 175 693
Two years before current fiscal year 693 1,125
Three years before current fiscal year 1,190 1,135
Four years before current fiscal year 1,133 249
Prior 3,573 3,273
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 6,764 6,650
Commercial | 1.8x to 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 40 0
Fiscal year before current fiscal year 75 0
Two years before current fiscal year 0 182
Three years before current fiscal year 208 167
Four years before current fiscal year 167 171
Prior 637 662
Revolving Loans Amortized Cost Basis 318 383
Revolving Loans Converted to Term Loans Amortized Cost Basis 96 96
Total 1,541 1,661
Commercial | 1.5x to 1.8x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 80
Fiscal year before current fiscal year 164 1,060
Two years before current fiscal year 911 234
Three years before current fiscal year 143 0
Four years before current fiscal year 0 162
Prior 1,016 924
Revolving Loans Amortized Cost Basis 100 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 2,334 2,460
Commercial | 1.2x to 1.5x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 82 690
Fiscal year before current fiscal year 612 687
Two years before current fiscal year 981 457
Three years before current fiscal year 427 0
Four years before current fiscal year 0 11
Prior 912 838
Revolving Loans Amortized Cost Basis 79 41
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 3,093 2,724
Commercial | 1.0x to 1.2x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 73 528
Fiscal year before current fiscal year 434 668
Two years before current fiscal year 281 38
Three years before current fiscal year 67 0
Four years before current fiscal year 0 43
Prior 464 317
Revolving Loans Amortized Cost Basis 82 76
Revolving Loans Converted to Term Loans Amortized Cost Basis 36 35
Total 1,437 1,705
Commercial | Less than 1.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 8
Fiscal year before current fiscal year 8 169
Two years before current fiscal year 357 66
Three years before current fiscal year 66 60
Four years before current fiscal year 60 0
Prior 58 104
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 549 407
Commercial | 0% - 50%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 249
Fiscal year before current fiscal year 308 164
Two years before current fiscal year 155 129
Three years before current fiscal year 129 35
Four years before current fiscal year 35 0
Prior 1,532 1,557
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 2,159 2,134
Commercial | 50% - 70%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 195 924
Fiscal year before current fiscal year 920 1,916
Two years before current fiscal year 1,871 671
Three years before current fiscal year 670 750
Four years before current fiscal year 749 299
Prior 2,522 2,319
Revolving Loans Amortized Cost Basis 517 463
Revolving Loans Converted to Term Loans Amortized Cost Basis 96 96
Total 7,540 7,438
Commercial | 70% - 90%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 308
Fiscal year before current fiscal year 240 1,197
Two years before current fiscal year 1,197 1,236
Three years before current fiscal year 1,144 523
Four years before current fiscal year 576 245
Prior 1,657 1,384
Revolving Loans Amortized Cost Basis 62 37
Revolving Loans Converted to Term Loans Amortized Cost Basis 36 35
Total 4,912 4,965
Commercial | 90% plus    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 0
Fiscal year before current fiscal year 0 0
Two years before current fiscal year 0 66
Three years before current fiscal year 158 54
Four years before current fiscal year 0 92
Prior 949 858
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 1,107 1,070
Agricultural    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 54 162
Fiscal year before current fiscal year 162 308
Two years before current fiscal year 304 343
Three years before current fiscal year 340 436
Four years before current fiscal year 422 190
Prior 1,260 1,106
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 2,542 2,545
Total 2,523 2,526
Non-accruing Loans 19 19
Non-accruing Loans with No Allowance 0 0
Interest Income on Non-accruing Loans 0 0
Agricultural | Past Due    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 60 52
Agricultural | 30-59 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 1 7
Agricultural | 60-89 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 5 5
Agricultural | 90 Days or More    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 54 40
Agricultural | Current    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 2,463 2,474
Agricultural | Greater than 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 8 7
Fiscal year before current fiscal year 7 50
Two years before current fiscal year 50 36
Three years before current fiscal year 34 59
Four years before current fiscal year 59 20
Prior 196 179
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 354 351
Agricultural | 1.8x to 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 5 18
Fiscal year before current fiscal year 18 16
Two years before current fiscal year 16 56
Three years before current fiscal year 56 33
Four years before current fiscal year 29 23
Prior 83 61
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 207 207
Agricultural | 1.5x to 1.8x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 2 12
Fiscal year before current fiscal year 12 50
Two years before current fiscal year 49 31
Three years before current fiscal year 31 109
Four years before current fiscal year 110 17
Prior 209 193
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 413 412
Agricultural | 1.2x to 1.5x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 35 46
Fiscal year before current fiscal year 46 111
Two years before current fiscal year 110 148
Three years before current fiscal year 148 170
Four years before current fiscal year 159 98
Prior 433 365
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 931 938
Agricultural | 1.0x to 1.2x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 3 47
Fiscal year before current fiscal year 47 57
Two years before current fiscal year 55 68
Three years before current fiscal year 67 57
Four years before current fiscal year 57 26
Prior 307 284
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 536 539
Agricultural | Less than 1.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 1 32
Fiscal year before current fiscal year 32 24
Two years before current fiscal year 24 4
Three years before current fiscal year 4 8
Four years before current fiscal year 8 6
Prior 32 24
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 101 98
Agricultural | 0% - 50%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 14 102
Fiscal year before current fiscal year 102 162
Two years before current fiscal year 160 191
Three years before current fiscal year 190 235
Four years before current fiscal year 242 132
Prior 910 802
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 1,618 1,624
Agricultural | 50% - 70%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 40 60
Fiscal year before current fiscal year 60 146
Two years before current fiscal year 144 152
Three years before current fiscal year 150 201
Four years before current fiscal year 180 58
Prior 334 288
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 908 905
Agricultural | 70% - 90%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 0
Fiscal year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 16 16
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 16 16
Agricultural | 90% plus    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 0
Fiscal year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 0 0
Residential mortgages:    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 98
Fiscal year before current fiscal year 373 121
Two years before current fiscal year 139 74
Three years before current fiscal year 90 2
Four years before current fiscal year 3 1
Prior 2 2
Total 607 298
Total 607 298
Non-accruing Loans 0 0
Non-accruing Loans with No Allowance 0 0
Interest Income on Non-accruing Loans 0 0
Residential mortgages: | Past Due    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Residential mortgages: | 30-59 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Residential mortgages: | 60-89 Days    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Residential mortgages: | 90 Days or More    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 0 0
Residential mortgages: | Current    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Total 607 298
Total commercial and agricultural mortgage loans:    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 249 1,643
Fiscal year before current fiscal year 1,630 3,585
Two years before current fiscal year 3,527 2,445
Three years before current fiscal year 2,441 1,798
Four years before current fiscal year 1,782 826
Prior 7,920 7,224
Revolving Loans Amortized Cost Basis 579 500
Revolving Loans Converted to Term Loans Amortized Cost Basis 132 131
Total 18,260 18,152
Total commercial and agricultural mortgage loans: | Greater than 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 8 182
Fiscal year before current fiscal year 182 743
Two years before current fiscal year 743 1,161
Three years before current fiscal year 1,224 1,194
Four years before current fiscal year 1,192 269
Prior 3,769 3,452
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 7,118 7,001
Total commercial and agricultural mortgage loans: | 1.8x to 2.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 45 18
Fiscal year before current fiscal year 93 16
Two years before current fiscal year 16 238
Three years before current fiscal year 264 200
Four years before current fiscal year 196 194
Prior 720 723
Revolving Loans Amortized Cost Basis 318 383
Revolving Loans Converted to Term Loans Amortized Cost Basis 96 96
Total 1,748 1,868
Total commercial and agricultural mortgage loans: | 1.5x to 1.8x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 2 92
Fiscal year before current fiscal year 176 1,110
Two years before current fiscal year 960 265
Three years before current fiscal year 174 109
Four years before current fiscal year 110 179
Prior 1,225 1,117
Revolving Loans Amortized Cost Basis 100 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 2,747 2,872
Total commercial and agricultural mortgage loans: | 1.2x to 1.5x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 117 736
Fiscal year before current fiscal year 658 798
Two years before current fiscal year 1,091 605
Three years before current fiscal year 575 170
Four years before current fiscal year 159 109
Prior 1,345 1,203
Revolving Loans Amortized Cost Basis 79 41
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 4,024 3,662
Total commercial and agricultural mortgage loans: | 1.0x to 1.2x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 76 575
Fiscal year before current fiscal year 481 725
Two years before current fiscal year 336 106
Three years before current fiscal year 134 57
Four years before current fiscal year 57 69
Prior 771 601
Revolving Loans Amortized Cost Basis 82 76
Revolving Loans Converted to Term Loans Amortized Cost Basis 36 35
Total 1,973 2,244
Total commercial and agricultural mortgage loans: | Less than 1.0x    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 1 40
Fiscal year before current fiscal year 40 193
Two years before current fiscal year 381 70
Three years before current fiscal year 70 68
Four years before current fiscal year 68 6
Prior 90 128
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 650 505
Total commercial and agricultural mortgage loans: | 0% - 50%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 14 351
Fiscal year before current fiscal year 410 326
Two years before current fiscal year 315 320
Three years before current fiscal year 319 270
Four years before current fiscal year 277 132
Prior 2,442 2,359
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total 3,777 3,758
Total commercial and agricultural mortgage loans: | 50% - 70%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 235 984
Fiscal year before current fiscal year 980 2,062
Two years before current fiscal year 2,015 823
Three years before current fiscal year 820 951
Four years before current fiscal year 929 357
Prior 2,856 2,607
Revolving Loans Amortized Cost Basis 517 463
Revolving Loans Converted to Term Loans Amortized Cost Basis 96 96
Total 8,448 8,343
Total commercial and agricultural mortgage loans: | 70% - 90%    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 308
Fiscal year before current fiscal year 240 1,197
Two years before current fiscal year 1,197 1,236
Three years before current fiscal year 1,144 523
Four years before current fiscal year 576 245
Prior 1,673 1,400
Revolving Loans Amortized Cost Basis 62 37
Revolving Loans Converted to Term Loans Amortized Cost Basis 36 35
Total 4,928 4,981
Total commercial and agricultural mortgage loans: | 90% plus    
Financing Receivable, before Allowance for Credit Loss [Abstract]    
Current fiscal year 0 0
Fiscal year before current fiscal year 0 0
Two years before current fiscal year 0 66
Three years before current fiscal year 158 54
Four years before current fiscal year 0 92
Prior 949 858
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term Loans Amortized Cost Basis 0 0
Total $ 1,107 $ 1,070
v3.24.1.u1
INVESTMENTS - Amortized Cost of Loans by Credit Quality Indicator and Origination Year (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Amortized Cost Basis by Origination Year    
Total $ 18,867 $ 18,450
Residential mortgages:    
Amortized Cost Basis by Origination Year    
Current fiscal year 0 98
Fiscal year before current fiscal year 373 121
Two years before current fiscal year 139 74
Three years before current fiscal year 90 2
Four years before current fiscal year 3 1
Prior 2 2
Total 607 298
Residential mortgages: | Performing    
Amortized Cost Basis by Origination Year    
Current fiscal year 0 98
Fiscal year before current fiscal year 373 121
Two years before current fiscal year 139 74
Three years before current fiscal year 90 2
Four years before current fiscal year 3 1
Prior 2 2
Total 607 298
Residential mortgages: | Nonperforming    
Amortized Cost Basis by Origination Year    
Current fiscal year 0 0
Fiscal year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Total $ 0 $ 0
v3.24.1.u1
INVESTMENTS - Equity Securities (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]    
Net investment gains (losses) recognized during the period on securities held at the end of the period $ 15 $ (3)
Net investment gains (losses) recognized on securities sold during the period (1) 0
Unrealized and realized gains (losses) on equity securities $ 14 $ (3)
v3.24.1.u1
INVESTMENTS - Trading Securities (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]    
Net investment gains (losses) recognized during the period on securities held at the end of the period $ 36 $ 35
Net investment gains (losses) recognized on securities sold during the period 1 (1)
Unrealized and realized gains (losses) on trading securities 37 34
Interest and dividend income from trading securities 11 5
Net investment income (loss) from trading securities $ 48 $ 39
v3.24.1.u1
INVESTMENTS - Fixed Maturities (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]    
Net investment gains (losses) recognized during the period on securities held at the end of the period $ (3) $ 4
Net investment gains (losses) recognized on securities sold during the period 1 (2)
Unrealized and realized gains (losses) from fixed maturities (2) 2
Interest and dividend income from fixed maturities 5 7
Net investment income (loss) from fixed maturities $ 3 $ 9
v3.24.1.u1
INVESTMENTS - Net Investment Income (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Net Investment Income [Line Items]    
Gross investment income (loss) $ 1,245 $ 1,016
Investment expenses (26) (26)
Net investment income (loss) 1,219 990
Fixed maturities    
Net Investment Income [Line Items]    
Gross investment income (loss) 821 715
Mortgage loans on real estate    
Net Investment Income [Line Items]    
Gross investment income (loss) 234 177
Other equity investments    
Net Investment Income [Line Items]    
Gross investment income (loss) 60 6
Policy loans    
Net Investment Income [Line Items]    
Gross investment income (loss) 54 52
Trading securities    
Net Investment Income [Line Items]    
Gross investment income (loss) 48 39
Other investment income    
Net Investment Income [Line Items]    
Gross investment income (loss) 25 18
Fixed maturities, at fair value using the fair value option    
Net Investment Income [Line Items]    
Gross investment income (loss) $ 3 $ 9
v3.24.1.u1
INVESTMENTS - Investment Gains (Losses), Net (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Net Investment Income [Line Items]    
Investment gains (losses), net $ (39) $ (87)
Fixed maturities    
Net Investment Income [Line Items]    
Investment gains (losses), net (26) (80)
Mortgage loans on real estate    
Net Investment Income [Line Items]    
Investment gains (losses), net (18) (10)
Other    
Net Investment Income [Line Items]    
Investment gains (losses), net $ 5 $ 3
v3.24.1.u1
DERIVATIVES - Derivatives by Category (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Total derivative instruments    
Derivatives, Fair Value [Line Items]    
Notional Amount $ 101,561 $ 92,217
Derivative Assets 17,479 14,035
Derivative Liabilities 30,181 23,577
Net Derivatives (12,702) (9,542)
Total embedded derivatives    
Derivatives, Fair Value [Line Items]    
Notional Amount 0 0
Derivative Assets 0 0
Derivative Liabilities 13,758 10,745
Net Derivatives (13,758) (10,745)
SCS, SIO, MSO and IUL Indexed Features    
Derivatives, Fair Value [Line Items]    
Notional Amount 0 0
Derivative Assets 0 0
Derivative Liabilities 13,758 10,745
Net Derivatives (13,758) (10,745)
Not Designated for Hedge Accounting    
Derivatives, Fair Value [Line Items]    
Notional Amount 98,236 88,907
Derivative Assets 17,397 13,956
Derivative Liabilities 16,004 12,431
Net Derivatives 1,393 1,525
Not Designated for Hedge Accounting | Currency swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 840 823
Derivative Assets 4 0
Derivative Liabilities 1 27
Net Derivatives 3 (27)
Not Designated for Hedge Accounting | Interest swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 2,887 2,887
Derivative Assets 26 118
Derivative Liabilities 19 2
Net Derivatives 7 116
Not Designated for Hedge Accounting | Futures    
Derivatives, Fair Value [Line Items]    
Notional Amount 9,269 7,877
Derivative Assets 0 0
Derivative Liabilities 1 4
Net Derivatives (1) (4)
Not Designated for Hedge Accounting | Swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 16,365 15,021
Derivative Assets 60 53
Derivative Liabilities 11 10
Net Derivatives 49 43
Not Designated for Hedge Accounting | Options    
Derivatives, Fair Value [Line Items]    
Notional Amount 60,035 53,927
Derivative Assets 16,560 13,213
Derivative Liabilities 3,797 3,129
Net Derivatives 12,763 10,084
Not Designated for Hedge Accounting | Futures    
Derivatives, Fair Value [Line Items]    
Notional Amount 8,638 8,094
Derivative Assets 0 0
Derivative Liabilities 0 0
Net Derivatives 0 0
Not Designated for Hedge Accounting | Credit default swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 185 242
Derivative Assets 8 9
Derivative Liabilities 5 6
Net Derivatives 3 3
Not Designated for Hedge Accounting | Currency forwards    
Derivatives, Fair Value [Line Items]    
Notional Amount 17 36
Derivative Assets 13 20
Derivative Liabilities 13 21
Net Derivatives 0 (1)
Not Designated for Hedge Accounting | Margin    
Derivatives, Fair Value [Line Items]    
Notional Amount 0 0
Derivative Assets 511 468
Derivative Liabilities 0 0
Net Derivatives 511 468
Not Designated for Hedge Accounting | Collateral    
Derivatives, Fair Value [Line Items]    
Notional Amount 0 0
Derivative Assets 215 75
Derivative Liabilities 12,157 9,232
Net Derivatives (11,942) (9,157)
Cash Flow Hedge | Designated for Hedge Accounting    
Derivatives, Fair Value [Line Items]    
Notional Amount 3,325 3,310
Derivative Assets 82 79
Derivative Liabilities 419 401
Net Derivatives (337) (322)
Cash Flow Hedge | Designated for Hedge Accounting | Currency swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 2,373 2,358
Derivative Assets 82 79
Derivative Liabilities 96 90
Net Derivatives (14) (11)
Cash Flow Hedge | Designated for Hedge Accounting | Interest swaps    
Derivatives, Fair Value [Line Items]    
Notional Amount 952 952
Derivative Assets 0 0
Derivative Liabilities 323 311
Net Derivatives $ (323) $ (311)
v3.24.1.u1
DERIVATIVES - Financial Statement Impact of Derivatives By Category (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) $ (1,376) $ (841)
Net Investment Income 1,219 990
Total derivative instruments    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (1,376) (841)
Net Investment Income 6 3
Interest Credited To Policyholders Account Balances (18) (34)
AOCI 9 (3)
Total embedded derivatives    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (3,136) (1,611)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
SCS, SIO, MSO and IUL Indexed Features    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (3,136) (1,611)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 1,760 767
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Currency swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 12 (10)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Interest swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (164) 48
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Futures    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 241 (143)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (1,115) (605)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Options    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 2,795 1,501
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Futures    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (9) (22)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Credit default swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) (1) (2)
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Currency forwards    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 1 0
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Margin    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 0 0
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Not Designated for Hedge Accounting | Collateral    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 0 0
Net Investment Income 0 0
Interest Credited To Policyholders Account Balances 0 0
AOCI 0 0
Cash Flow Hedge | Designated for Hedge Accounting    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 0 3
Net Investment Income 6 3
Interest Credited To Policyholders Account Balances (18) (34)
AOCI 9 (3)
Cash Flow Hedge | Designated for Hedge Accounting | Currency swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 0 7
Net Investment Income 3 3
Interest Credited To Policyholders Account Balances (18) (34)
AOCI 16 25
Cash Flow Hedge | Designated for Hedge Accounting | Interest swaps    
Derivatives, Fair Value [Line Items]    
Net Derivatives Gain (Losses) 0 (4)
Net Investment Income 3 0
Interest Credited To Policyholders Account Balances 0 0
AOCI $ (7) $ (28)
v3.24.1.u1
DERIVATIVES - Rollforward for Cash Flows Hedges in AOCI (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]    
Balance, beginning of period $ 2,649  
Balance, ending of the period 2,032  
Cash Flow Hedges Recognized in AOCI    
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]    
Balance, beginning of period (29) $ 22
Amount recorded in AOCI (8) (44)
Amount reclassified from (to) income to AOCI 17 41
Balance, ending of the period (20) 19
Cash Flow Hedges Recognized in AOCI | Currency swaps    
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]    
Amount recorded in AOCI 0 (7)
Amount reclassified from (to) income to AOCI 16 32
Cash Flow Hedges Recognized in AOCI | Interest swaps    
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]    
Amount recorded in AOCI (8) (37)
Amount reclassified from (to) income to AOCI $ 1 $ 9
v3.24.1.u1
DERIVATIVES - Narrative (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Derivative [Line Items]    
Cash and securities collateral for derivative contract $ 12,200 $ 9,200
Cash and securities collateral 215 75
S&P 500, Nasdaq, Russell 2000 And Emerging Market Indices    
Derivative [Line Items]    
Initial margin requirement 399 369
U.S. Treasury Notes, U.S. Treasury Bonds And Ultra-Long Bonds    
Derivative [Line Items]    
Initial margin requirement 132 120
Euro Stoxx, FTSE100, Topix, ASX200 and EAFE Indices    
Derivative [Line Items]    
Initial margin requirement $ 13 $ 14
v3.24.1.u1
DERIVATIVES - Offsetting of Financial Assets and Liabilities and Derivative Instruments (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Derivatives    
Assets:    
Gross Amount Recognized $ 17,481 $ 14,036
Gross Amount Offset in the Balance Sheets 13,904 9,543
Net Amount Presented in the Balance Sheets 3,577 4,493
Gross amount not offset in the balance sheets (2,516) (3,254)
Net Amount 1,061 1,239
Liabilities:    
Gross Amount Recognized 13,906 9,579
Gross Amount Offset in the Balance Sheets 13,904 9,543
Net Amount Presented in the Balance Sheets 2 36
Gross amount not offset in the balance sheets 0 0
Net Amount 2 36
Secured lending    
Assets:    
Gross Amount Recognized 147 116
Gross Amount Offset in the Balance Sheets 0 0
Net Amount Presented in the Balance Sheets 147 116
Gross amount not offset in the balance sheets 0 0
Net Amount 147 116
Liabilities:    
Gross Amount Recognized 147 116
Gross Amount Offset in the Balance Sheets 0 0
Net Amount Presented in the Balance Sheets 147 116
Gross amount not offset in the balance sheets 0 0
Net Amount 147 116
Other financial assets    
Assets:    
Gross Amount Recognized 2,000 2,110
Gross Amount Offset in the Balance Sheets 0 0
Net Amount Presented in the Balance Sheets 2,000 2,110
Gross amount not offset in the balance sheets 0 0
Net Amount 2,000 2,110
Other invested assets    
Assets:    
Gross Amount Recognized 19,628 16,262
Gross Amount Offset in the Balance Sheets 13,904 9,543
Net Amount Presented in the Balance Sheets 5,724 6,719
Gross amount not offset in the balance sheets (2,516) (3,254)
Net Amount 3,208 3,465
Other financial liabilities    
Liabilities:    
Gross Amount Recognized 6,362 5,936
Gross Amount Offset in the Balance Sheets 0 0
Net Amount Presented in the Balance Sheets 6,362 5,936
Gross amount not offset in the balance sheets 0 0
Net Amount 6,362 5,936
Other liabilities    
Liabilities:    
Gross Amount Recognized 20,415 15,631
Gross Amount Offset in the Balance Sheets 13,904 9,543
Net Amount Presented in the Balance Sheets 6,511 6,088
Gross amount not offset in the balance sheets 0 0
Net Amount $ 6,511 $ 6,088
v3.24.1.u1
CLOSED BLOCK - Closed Block Summarized Financial Information (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Closed Block Liabilities:    
Future policy benefits, policyholders’ account balances and other $ 5,390 $ 5,461
Other liabilities 69 57
Total Closed Block liabilities 5,459 5,518
Assets Designated to the Closed Block:    
Fixed maturities AFS, at fair value (amortized cost of $2,949 and $2,945) (allowance for credit losses of $0 and $0) 2,784 2,800
Mortgage loans on real estate (net of allowance for credit losses of $13 and $13) 1,550 1,612
Policy loans 541 554
Cash and other invested assets 63 58
Other assets 163 150
Total assets designated to the Closed Block 5,101 5,174
Excess of Closed Block liabilities over assets designated to the Closed Block 358 344
Amounts included in AOCI:    
Net unrealized investment gains (losses), net of policyholders’ dividend obligation: $0 and $0; and net of income tax: $35 and $31 (130) (115)
Maximum future earnings to be recognized from Closed Block assets and liabilities 228 229
Amortized cost of fixed maturity AFS 2,949 2,945
Allowance for credit losses of fixed maturities AFS 0 0
Allowance for credit losses of mortgage loans on real estates 13 13
Policy holders' dividend obligations on net unrealized investment gains (losses) 0 0
Income tax on net unrealized investment gains (losses) $ 35 $ 31
v3.24.1.u1
CLOSED BLOCK - Closed Block Revenues and Expenses (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Revenues:    
Premiums and other income $ 29 $ 30
Net investment income (loss) 52 51
Investment gains (losses), net (1) 0
Total revenues 80 81
Benefits and Other Deductions:    
Policyholders’ benefits and dividends 77 83
Total benefits and other deductions 77 83
Net income (loss), before income taxes 3 (2)
Income tax (expense) benefit (1) (1)
Net income (loss) $ 2 $ (3)
v3.24.1.u1
DAC AND OTHER DEFERRED ASSETS/LIABILITIES - Reconciliation of DAC (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs $ 6,804 $ 6,705    
Protection Solutions | Term        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 331 337 $ 356 $ 362
Protection Solutions | Universal Life        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 174 174 177 179
Protection Solutions | Variable Universal Life        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 1,009 987 910 889
Protection Solutions | Indexed Universal Life        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 187 188 185 185
Individual Retirement | GMxB Core        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 1,604 1,602 1,609 1,625
Individual Retirement | EQUI-VEST Individual        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 154 155 156 156
Individual Retirement | Investment Edge        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 180 172 156 148
Individual Retirement | SCS        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 1,655 1,571 1,333 1,279
Legacy Segment | GMxB Legacy        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 546 555 583 593
Group Retirement | EQUI-VEST Group        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 747 742 716 710
Group Retirement | Momentum        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 80 82 87 89
Corporate & Other | Corporate and Other        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs 114 116 $ 124 $ 127
Corporate & Other | Other        
Deferred Policy Acquisition Cost [Line Items]        
Deferred policy acquisition costs $ 23 $ 24    
v3.24.1.u1
DAC AND OTHER DEFERRED ASSETS/LIABILITIES - DAC Costs (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period $ 6,705  
Balance, end of year 6,804  
Other    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Amortization (1)  
Corporate Segment    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 6,681 $ 6,342
Capitalization 271 202
Amortization (171) (152)
Balance, end of year 6,781 6,392
Protection Solutions | Term    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 337 362
Capitalization 4 4
Amortization (10) (10)
Balance, end of year 331 356
Protection Solutions | UL    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 174 179
Capitalization 3 1
Amortization (3) (3)
Balance, end of year 174 177
Protection Solutions | VUL    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 987 889
Capitalization 37 35
Amortization (15) (14)
Balance, end of year 1,009 910
Protection Solutions | IUL    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 188 185
Capitalization 2 3
Amortization (3) (3)
Balance, end of year 187 185
Individual Retirement | GMxB Core    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 1,602 1,625
Capitalization 39 19
Amortization (37) (35)
Balance, end of year 1,604 1,609
Individual Retirement | EI    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 155 156
Capitalization 2 3
Amortization (3) (3)
Balance, end of year 154 156
Individual Retirement | IE    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 172 148
Capitalization 12 11
Amortization (4) (3)
Balance, end of year 180 156
Individual Retirement | SCS    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 1,571 1,279
Capitalization 148 101
Amortization (64) (47)
Balance, end of year 1,655 1,333
Legacy Segment | GMxB Legacy    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 555 593
Capitalization 7 6
Amortization (16) (16)
Balance, end of year 546 583
Group Retirement | EG    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 742 710
Capitalization 15 16
Amortization (10) (10)
Balance, end of year 747 716
Group Retirement | Momentum    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 82 89
Capitalization 2 3
Amortization (4) (5)
Balance, end of year 80 87
Corporate & Other | CB    
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]    
Balance, beginning of period 116 127
Capitalization 0 0
Amortization (2) (3)
Balance, end of year $ 114 $ 124
v3.24.1.u1
DAC AND OTHER DEFERRED ASSETS/LIABILITIES - DAC Credits (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
GMxB Core    
Movement in Deferred Sales Inducements [Roll Forward]    
Balance, beginning of year $ 127 $ 137
Capitalization 1 0
Amortization (3) (3)
Balance, end of year 125 134
GMxB Legacy    
Movement in Deferred Sales Inducements [Roll Forward]    
Balance, beginning of year 179 200
Capitalization 0 0
Amortization (5) (5)
Balance, end of year 174 195
UL    
Movement in Deferred Revenue [Roll Forward]    
Balance, beginning of period 107 95
Capitalization 4 5
Amortization (2) (2)
Balance, end of period 109 98
VUL    
Movement in Deferred Revenue [Roll Forward]    
Balance, beginning of period 754 684
Capitalization 32 27
Amortization (12) (10)
Balance, end of period 774 701
IUL    
Movement in Deferred Revenue [Roll Forward]    
Balance, beginning of period 210 157
Capitalization 14 17
Amortization (3) (3)
Balance, end of period $ 221 $ 171
v3.24.1.u1
FAIR VALUE DISCLOSURES - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Investments    
Fixed maturities, AFS: $ 67,606 $ 67,030
Fixed maturities, at fair value using the fair value option [1] 1,687 1,654
Liabilities:    
Notes issued by consolidated VIE's, at fair value using the fair value option [1] 1,580 1,559
Liability for market risk benefits 12,814 14,612
Accrued interest payable for notes issued by consolidated variable interest entity 19 20
Carrying Value | Other liabilities    
Investments    
Other equity investments 10 4
U.S. Treasury, government and agency    
Investments    
Fixed maturities, AFS: 4,495 4,631
States and political subdivisions    
Investments    
Fixed maturities, AFS: 513 549
Foreign governments    
Investments    
Fixed maturities, AFS: 591 611
Residential mortgage-backed    
Investments    
Fixed maturities, AFS: 2,540 2,355
Asset-backed    
Investments    
Fixed maturities, AFS: 11,827 11,001
Commercial mortgage-backed    
Investments    
Fixed maturities, AFS: 3,223 3,082
Redeemable preferred stock    
Investments    
Fixed maturities, AFS: 59 59
Recurring    
Investments    
Fixed maturities, AFS: 67,606 67,030
Fixed maturities, at fair value using the fair value option 1,687 1,654
Other equity investments 769 735
Trading securities 1,340 1,057
Other invested assets: 13,205 10,736
Cash equivalents 8,624 6,595
Segregated securities 866 868
Purchased market risk benefits 8,337 9,427
Assets for market risk benefits 818 591
Separate Accounts assets 132,891 126,723
Total Assets 236,143 225,416
Liabilities:    
Notes issued by consolidated VIE's, at fair value using the fair value option 1,561 1,539
Liability for market risk benefits 12,814 14,612
Contingent payment arrangements 254 253
Total Liabilities 28,392 27,152
Recurring | Variable Interest Entity, Primary Beneficiary    
Liabilities:    
Guarantees 5 3
Recurring | Corporate    
Investments    
Fixed maturities, AFS: 44,358 44,742
Recurring | U.S. Treasury, government and agency    
Investments    
Fixed maturities, AFS: 4,495 4,631
Recurring | States and political subdivisions    
Investments    
Fixed maturities, AFS: 513 549
Recurring | Foreign governments    
Investments    
Fixed maturities, AFS: 591 611
Recurring | Residential mortgage-backed    
Investments    
Fixed maturities, AFS: 2,540 2,355
Recurring | Asset-backed    
Investments    
Fixed maturities, AFS: 11,827 11,001
Recurring | Commercial mortgage-backed    
Investments    
Fixed maturities, AFS: 3,223 3,082
Recurring | Redeemable preferred stock    
Investments    
Fixed maturities, AFS: 59 59
Recurring | Short-term investments    
Investments    
Other invested assets: 411 429
Recurring | Assets of consolidated VIEs/VOEs    
Investments    
Other invested assets: 307 414
Recurring | Swaps    
Investments    
Other invested assets: (278) (190)
Recurring | Credit default swaps    
Investments    
Other invested assets: 3 3
Recurring | Futures    
Investments    
Other invested assets: (1) (4)
Recurring | Options    
Investments    
Other invested assets: 12,763 10,084
Recurring | SCS, SIO, MSO and IUL indexed features’ liability    
Liabilities:    
Guarantees 13,758 10,745
Recurring | Level 1    
Investments    
Fixed maturities, AFS: 0 0
Fixed maturities, at fair value using the fair value option 0 0
Other equity investments 251 217
Trading securities 393 321
Other invested assets: 63 57
Cash equivalents 7,451 5,901
Segregated securities 0 0
Purchased market risk benefits 0 0
Assets for market risk benefits 0 0
Separate Accounts assets 130,299 124,099
Total Assets 138,457 130,595
Liabilities:    
Notes issued by consolidated VIE's, at fair value using the fair value option 0 0
Liability for market risk benefits 0 0
Contingent payment arrangements 0 0
Total Liabilities 0 1
Recurring | Level 1 | Variable Interest Entity, Primary Beneficiary    
Liabilities:    
Guarantees 0 1
Recurring | Level 1 | Corporate    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | U.S. Treasury, government and agency    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | States and political subdivisions    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Foreign governments    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Residential mortgage-backed    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Asset-backed    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Commercial mortgage-backed    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Redeemable preferred stock    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 1 | Short-term investments    
Investments    
Other invested assets: 0 0
Recurring | Level 1 | Assets of consolidated VIEs/VOEs    
Investments    
Other invested assets: 64 61
Recurring | Level 1 | Swaps    
Investments    
Other invested assets: 0 0
Recurring | Level 1 | Credit default swaps    
Investments    
Other invested assets: 0 0
Recurring | Level 1 | Futures    
Investments    
Other invested assets: (1) (4)
Recurring | Level 1 | Options    
Investments    
Other invested assets: 0 0
Recurring | Level 1 | SCS, SIO, MSO and IUL indexed features’ liability    
Liabilities:    
Guarantees 0 0
Recurring | Level 2    
Investments    
Fixed maturities, AFS: 65,190 64,791
Fixed maturities, at fair value using the fair value option 1,443 1,473
Other equity investments 463 464
Trading securities 886 675
Other invested assets: 13,139 10,676
Cash equivalents 1,173 694
Segregated securities 866 868
Purchased market risk benefits 0 0
Assets for market risk benefits 0 0
Separate Accounts assets 2,591 2,624
Total Assets 85,751 82,265
Liabilities:    
Notes issued by consolidated VIE's, at fair value using the fair value option 1,561 1,539
Liability for market risk benefits 0 0
Contingent payment arrangements 0 0
Total Liabilities 15,324 12,286
Recurring | Level 2 | Variable Interest Entity, Primary Beneficiary    
Liabilities:    
Guarantees 5 2
Recurring | Level 2 | Corporate    
Investments    
Fixed maturities, AFS: 42,020 42,584
Recurring | Level 2 | U.S. Treasury, government and agency    
Investments    
Fixed maturities, AFS: 4,495 4,631
Recurring | Level 2 | States and political subdivisions    
Investments    
Fixed maturities, AFS: 513 522
Recurring | Level 2 | Foreign governments    
Investments    
Fixed maturities, AFS: 591 611
Recurring | Level 2 | Residential mortgage-backed    
Investments    
Fixed maturities, AFS: 2,540 2,355
Recurring | Level 2 | Asset-backed    
Investments    
Fixed maturities, AFS: 11,756 10,954
Recurring | Level 2 | Commercial mortgage-backed    
Investments    
Fixed maturities, AFS: 3,216 3,075
Recurring | Level 2 | Redeemable preferred stock    
Investments    
Fixed maturities, AFS: 59 59
Recurring | Level 2 | Short-term investments    
Investments    
Other invested assets: 411 429
Recurring | Level 2 | Assets of consolidated VIEs/VOEs    
Investments    
Other invested assets: 240 350
Recurring | Level 2 | Swaps    
Investments    
Other invested assets: (278) (190)
Recurring | Level 2 | Credit default swaps    
Investments    
Other invested assets: 3 3
Recurring | Level 2 | Futures    
Investments    
Other invested assets: 0 0
Recurring | Level 2 | Options    
Investments    
Other invested assets: 12,763 10,084
Recurring | Level 2 | SCS, SIO, MSO and IUL indexed features’ liability    
Liabilities:    
Guarantees 13,758 10,745
Recurring | Level 3    
Investments    
Fixed maturities, AFS: 2,416 2,239
Fixed maturities, at fair value using the fair value option 244 181
Other equity investments 55 54
Trading securities 61 61
Other invested assets: 3 3
Cash equivalents 0 0
Segregated securities 0 0
Purchased market risk benefits 8,337 9,427
Assets for market risk benefits 818 591
Separate Accounts assets 1 0
Total Assets 11,935 12,556
Liabilities:    
Notes issued by consolidated VIE's, at fair value using the fair value option 0 0
Liability for market risk benefits 12,814 14,612
Contingent payment arrangements 254 253
Total Liabilities 13,068 14,865
Recurring | Level 3 | Variable Interest Entity, Primary Beneficiary    
Liabilities:    
Guarantees 0 0
Recurring | Level 3 | Corporate    
Investments    
Fixed maturities, AFS: 2,338 2,158
Recurring | Level 3 | U.S. Treasury, government and agency    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 3 | States and political subdivisions    
Investments    
Fixed maturities, AFS: 0 27
Recurring | Level 3 | Foreign governments    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 3 | Residential mortgage-backed    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 3 | Asset-backed    
Investments    
Fixed maturities, AFS: 71 47
Recurring | Level 3 | Commercial mortgage-backed    
Investments    
Fixed maturities, AFS: 7 7
Recurring | Level 3 | Redeemable preferred stock    
Investments    
Fixed maturities, AFS: 0 0
Recurring | Level 3 | Short-term investments    
Investments    
Other invested assets: 0 0
Recurring | Level 3 | Assets of consolidated VIEs/VOEs    
Investments    
Other invested assets: 3 3
Recurring | Level 3 | Swaps    
Investments    
Other invested assets: 0 0
Recurring | Level 3 | Credit default swaps    
Investments    
Other invested assets: 0 0
Recurring | Level 3 | Futures    
Investments    
Other invested assets: 0 0
Recurring | Level 3 | Options    
Investments    
Other invested assets: 0 0
Recurring | Level 3 | SCS, SIO, MSO and IUL indexed features’ liability    
Liabilities:    
Guarantees 0 0
Recurring | NAV    
Investments    
Separate Accounts assets $ 354 $ 371
[1] See Note 2 of the Notes to these Consolidated Financial Statements for details of balances with VIEs.
v3.24.1.u1
FAIR VALUE DISCLOSURES - Narrative (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Fair Value Inputs Assets Quantitative Information [Line Items]      
Change in purchased market risk benefit asset fair value $ 558   $ 687
AFS fixed maturities transferred from Level 3 to Level 2 169 $ 401  
AFS fixed maturities transferred from Level 2 to Level 3 $ 120 $ 56  
Percentage of total equity representing AFS fixed maturities transferred 7.70% 8.40%  
Nonrecurring | Level 3      
Fair Value Inputs Assets Quantitative Information [Line Items]      
Investments, fair value $ 1,200   $ 1,100
v3.24.1.u1
FAIR VALUE DISCLOSURES - Fair Value Measurement Reconciliation for All Levels (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Total gains and (losses), realized and unrealized, included in:    
Transfers into level 3 $ 120 $ 56
Transfers out of level 3 (169) (401)
Level 3 | Corporate    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 2,158 2,121
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 2 2
Investment gains (losses), net (1) (3)
Subtotal 1 (1)
Other comprehensive income (loss) 10 18
Purchases 215 171
Sales (56) (91)
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 57 0
Transfers out of level 3 (47) (268)
Ending Balance 2,338 1,950
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 10 17
Level 3 | States and political subdivisions    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 27 28
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 0 0
Sales 0 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 (27) 0
Ending Balance 0 28
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | Asset-backed    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 47 0
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 48 12
Sales (10) 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 (14) 0
Ending Balance 71 12
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | RMBS    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 0 34
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 0 0
Sales 0 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 0 (34)
Ending Balance 0 0
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | CMBS    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 7 32
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 0 2
Sales 0 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 0 0
Ending Balance 7 34
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | Fixed maturities, at FVO    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 181 224
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 16 3
Investment gains (losses), net 0 0
Subtotal 16 3
Other comprehensive income (loss) 0 0
Purchases 80 12
Sales (15) 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 63 56
Transfers out of level 3 (81) (99)
Ending Balance 244 196
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 3
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 28 0
Level 3 | Other equity investments    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 57 17
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 1 (3)
Investment gains (losses), net 0 0
Subtotal 1 (3)
Other comprehensive income (loss) 0 0
Purchases 42 0
Sales (42) 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 1
Transfers out of level 3 0 0
Ending Balance 58 15
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 1 (3)
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | Trading Securities, at Fair Value    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 61 55
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 0 0
Sales 0 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 0 0
Ending Balance 61 55
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | Separate Accounts Assets    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance 0 1
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 1 0
Sales 0 0
Settlements 0 0
Other 0 0
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 0 0
Ending Balance 1 1
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period 0 0
Level 3 | Contingent Payment Arrangement    
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]    
Beginning Balance (253) (247)
Total gains and (losses), realized and unrealized, included in:    
Net investment income (loss) 0 0
Investment gains (losses), net 0 0
Subtotal 0 0
Other comprehensive income (loss) 0 0
Purchases 0 0
Sales 0 0
Settlements 1 0
Other (2) (1)
Activity related to consolidated VIEs/VOEs 0 0
Transfers into level 3 0 0
Transfers out of level 3 0 0
Ending Balance (254) (248)
Change in unrealized gains or losses for the period included in earnings for instruments held at the end of the reporting period 0 0
Change in unrealized gains or losses for the period included in other comprehensive income for instruments held at the end of the reporting period $ 0 $ 0
v3.24.1.u1
FAIR VALUE DISCLOSURES - Quantitative Information about Level 3 (Details)
$ in Millions
3 Months Ended 9 Months Ended
Mar. 31, 2024
USD ($)
Sep. 30, 2023
Dec. 31, 2023
USD ($)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Liability for market risk benefits $ 12,814   $ 14,612
Assets for market risk benefits 818   591
Level 3 | Discounted cash flow | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
AB Contingent consideration payable $ 254   $ 253
Level 3 | Discounted cash flow | Discount Rate | Minimum | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.019   0.019
Level 3 | Discounted cash flow | Discount Rate | Maximum | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.104   0.104
Level 3 | Discounted cash flow | Discount Rate | Weighted Average | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.046   0.046
Level 3 | Discounted cash flow | Expected Revenue Growth Rate | Minimum | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.020   0.020
Level 3 | Discounted cash flow | Expected Revenue Growth Rate | Maximum | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.293   0.839
Level 3 | Discounted cash flow | Expected Revenue Growth Rate | Weighted Average | Alliance Bernstein      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Expected revenue growth and discount rate 0.079   0.103
Level 3 | Corporate | Matrix pricing model      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Fair value of fixed maturities AFS $ 350   $ 373
Level 3 | Corporate | Matrix pricing model | Spread over Benchmark | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0020   0.0020
Level 3 | Corporate | Matrix pricing model | Spread over Benchmark | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0270   0.0747
Level 3 | Corporate | Matrix pricing model | Spread over Benchmark | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0145   0.0181
Level 3 | Corporate | Market comparable  companies      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Fair value of fixed maturities AFS $ 1,172   $ 979
Level 3 | Corporate | Market comparable  companies | EBITDA Multiples | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 3.3   3.3
Level 3 | Corporate | Market comparable  companies | EBITDA Multiples | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 30.5   29.0
Level 3 | Corporate | Market comparable  companies | EBITDA Multiples | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 13.5   13.6
Level 3 | Corporate | Market comparable  companies | Discount Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.000   0.000
Level 3 | Corporate | Market comparable  companies | Discount Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.192   0.228
Level 3 | Corporate | Market comparable  companies | Discount Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.038   0.039
Level 3 | Corporate | Market comparable  companies | Cash Flow Multiples | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.8   0.8
Level 3 | Corporate | Market comparable  companies | Cash Flow Multiples | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 9.3   10.0
Level 3 | Corporate | Market comparable  companies | Cash Flow Multiples | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 6.2   6.3
Level 3 | Corporate | Market comparable  companies | Loan to Value | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.000   0.034
Level 3 | Corporate | Market comparable  companies | Loan to Value | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.614   0.610
Level 3 | Corporate | Market comparable  companies | Loan to Value | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.140   0.138
Level 3 | Trading Securities, at Fair Value | Discounted cash flow      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Fair value of fixed maturities AFS $ 61   $ 61
Discount years 7 years 7 years  
Level 3 | Trading Securities, at Fair Value | Discounted cash flow | Earnings/Revenue Multiple      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 9.1   9.1
Level 3 | Trading Securities, at Fair Value | Discounted cash flow | Discount Factor      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.100   0.1000
Level 3 | Other equity investments | Discounted cash flow      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Fair value of fixed maturities AFS $ 2   $ 2
Level 3 | Other equity investments | Discounted cash flow | Earnings/Revenue Multiple | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 3.9   3.9
Level 3 | Other equity investments | Discounted cash flow | Earnings/Revenue Multiple | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 7.0   8.4
Level 3 | Other equity investments | Discounted cash flow | Earnings/Revenue Multiple | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 5.9   6.5
Level 3 | Purchased MRB asset | Discounted cash flow      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Fair value of fixed maturities AFS $ 8,337   $ 9,427
Level 3 | Purchased MRB asset | Discounted cash flow | Lapse Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0021   0.0021
Level 3 | Purchased MRB asset | Discounted cash flow | Lapse Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.1238   0.1238
Level 3 | Purchased MRB asset | Discounted cash flow | Lapse Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0196   0.0179
Level 3 | Purchased MRB asset | Discounted cash flow | Withdrawal Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0007   0.0007
Level 3 | Purchased MRB asset | Discounted cash flow | Withdrawal Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.1497   0.1497
Level 3 | Purchased MRB asset | Discounted cash flow | Withdrawal Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0050   0.0046
Level 3 | Purchased MRB asset | Discounted cash flow | GMIB Utilization Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0004   0.0004
Level 3 | Purchased MRB asset | Discounted cash flow | GMIB Utilization Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.6621   0.6621
Level 3 | Purchased MRB asset | Discounted cash flow | GMIB Utilization Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0691   0.0744
Level 3 | Purchased MRB asset | Discounted cash flow | Non-Performance Risk | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0032   0.0035
Level 3 | Purchased MRB asset | Discounted cash flow | Non-Performance Risk | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0101   0.0097
Level 3 | Purchased MRB asset | Discounted cash flow | Non-Performance Risk | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0040   0.0045
Level 3 | Purchased MRB asset | Discounted cash flow | Volatility Rate - Equity | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.12   0.11
Level 3 | Purchased MRB asset | Discounted cash flow | Volatility Rate - Equity | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.28   0.28
Level 3 | Purchased MRB asset | Discounted cash flow | Volatility Rate - Equity | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.23   0.23
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 0 - 40 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0001   0.0001
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 0 - 40 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0018   0.0018
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 0 - 40 | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0325   0.0307
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 41 - 60 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0007   0.0007
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 41 - 60 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0053   0.0053
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 61 - 115 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.0033   0.0033
Level 3 | Purchased MRB asset | Discounted cash flow | Mortality | Ages 61 - 115 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Percentage measurement input of equity securities 0.4200   0.4200
Level 3 | Direct MRB | Discounted cash flow      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Direct MRB $ 11,996   $ 14,021
Level 3 | Direct MRB | Discounted cash flow | Lapse Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0021   0.0021
Level 3 | Direct MRB | Discounted cash flow | Lapse Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.2937   0.2937
Level 3 | Direct MRB | Discounted cash flow | Lapse Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0320   0.0307
Level 3 | Direct MRB | Discounted cash flow | Withdrawal Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0000   0.0000
Level 3 | Direct MRB | Discounted cash flow | Withdrawal Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.1497   0.1497
Level 3 | Direct MRB | Discounted cash flow | Withdrawal Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0067   0.0064
Level 3 | Direct MRB | Discounted cash flow | Non-Performance Risk      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0117   0.0118
Level 3 | Direct MRB | Discounted cash flow | Non-Performance Risk | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0117   0.0118
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 0 - 40 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0001   0.0001
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 0 - 40 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0018   0.0018
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 0 - 40 | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0267   0.0250
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 41 - 60 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0007   0.0007
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 41 - 60 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0053   0.0053
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 61 - 115 | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0033   0.0033
Level 3 | Direct MRB | Discounted cash flow | Mortality | Ages 61 - 115 | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.4200   0.4200
Level 3 | Direct MRB | Discounted cash flow | Annuitization Rate | Minimum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0004   0.0004
Level 3 | Direct MRB | Discounted cash flow | Annuitization Rate | Maximum      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 1.0000   1.0000
Level 3 | Direct MRB | Discounted cash flow | Annuitization Rate | Weighted Average      
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]      
Measurement input of servicing liability 0.0515   0.0538
v3.24.1.u1
FAIR VALUE DISCLOSURES - Carrying Values and Fair Values of Financial Instruments (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Consolidated Amounts [Abstract]    
Mortgage loans on real estate [1] $ 18,570 $ 18,171
Policy loans 4,191 4,158
Policyholders’ liabilities: Investment contracts 100,246 95,673
Separate Accounts liabilities 133,735 127,251
Carrying Value    
Consolidated Amounts [Abstract]    
Mortgage loans on real estate 18,570 18,171
Policy loans 4,191 4,158
Policyholders’ liabilities: Investment contracts 1,608 1,663
FHLB funding agreements 7,168 7,618
FABN funding agreements 6,252 6,267
Funding agreement-backed commercial paper (FABCP) 663 939
Long-term debt 3,821 3,820
Separate Accounts liabilities 11,246 10,715
Measured at Fair Value    
Consolidated Amounts [Abstract]    
Mortgage loans on real estate 16,794 16,471
Policy loans 4,442 4,485
Policyholders’ liabilities: Investment contracts 1,559 1,634
FHLB funding agreements 7,086 7,567
FABN funding agreements 5,839 5,840
Funding agreement-backed commercial paper (FABCP) 675 948
Long-term debt 3,700 3,742
Separate Accounts liabilities 11,246 10,715
Measured at Fair Value | Level 1    
Consolidated Amounts [Abstract]    
Mortgage loans on real estate 0 0
Policy loans 0 0
Policyholders’ liabilities: Investment contracts 0 0
FHLB funding agreements 0 0
FABN funding agreements 0 0
Funding agreement-backed commercial paper (FABCP) 0 0
Long-term debt 0 0
Separate Accounts liabilities 0 0
Measured at Fair Value | Level 2    
Consolidated Amounts [Abstract]    
Mortgage loans on real estate 0 0
Policy loans 0 0
Policyholders’ liabilities: Investment contracts 0 0
FHLB funding agreements 7,086 7,567
FABN funding agreements 5,839 5,840
Funding agreement-backed commercial paper (FABCP) 675 948
Long-term debt 3,700 3,742
Separate Accounts liabilities 0 0
Measured at Fair Value | Level 3    
Consolidated Amounts [Abstract]    
Mortgage loans on real estate 16,794 16,471
Policy loans 4,442 4,485
Policyholders’ liabilities: Investment contracts 1,559 1,634
FHLB funding agreements 0 0
FABN funding agreements 0 0
Funding agreement-backed commercial paper (FABCP) 0 0
Long-term debt 0 0
Separate Accounts liabilities $ 11,246 $ 10,715
[1] See Note 2 of the Notes to these Consolidated Financial Statements for details of balances with VIEs.
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Policyholder Account Balance And Liability For Unpaid Claims And Claims Adjustment Expense (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities $ 17,324 $ 17,363
Future policyholder benefits total    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 15,352 15,414
Subtotal    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 9,020 9,000
Term    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 1,316 1,348
Individual Retirement - Payout    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 820 844
Payout - Legacy    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 3,767 3,620
Group Pension - Benefit Reserve & DPL    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 473 490
Health    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 1,450 1,505
UL    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 1,194 1,193
Whole Life Closed Block and Open Block products    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 5,384 5,444
Other    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities 948 970
Other policyholder funds and dividends payable    
Liability for Future Policy Benefit, Activity [Line Items]    
Future policy benefits and other policyholders' liabilities $ 1,972 $ 1,949
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Policyholder Account Balance (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits $ 17,324   $ 17,363  
Term        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits 1,316   1,348  
Payout - Non-Legacy        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits 820   844  
Payout - Legacy        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits 3,767   3,620  
Group Pension        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits 473   490  
Health        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Liability for future policy benefits 1,450   1,505  
Operating Segments | Protection Solutions | Term        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance 2,133 $ 2,100    
Beginning balance at original discount rate 2,058 2,078    
Effect of changes in cash flow assumptions     (18) $ 8
Effect of actual variances from expected experience     (18) 3
Adjusted beginning of period balance     2,022 2,089
Issuances 11 15    
Interest accrual 25 25    
Net premiums collected (49) (51)    
Ending balance at original discount rate 2,009 2,078    
Effect of changes in discount rate assumptions 17 82    
Ending balance 2,026 2,160    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 3,480 3,465    
Beginning balance of original discount rate 3,330 3,391    
Effect of changes in cash flow assumptions     (20) 9
Effect of actual variances from expected experience     (23) 4
Adjusted beginning of period balance     3,287 3,404
Issuances 12 16    
Interest accrual 41 42    
Benefits payments (64) (95)    
Ending Balance at original discount rate 3,276 3,367    
Effect of changes in discount rate assumptions 65 164    
Balance, end of period 3,341 3,531    
Impact of flooring LFPB at zero 1 0    
Liability for future policy benefits 1,316 1,371    
Less: Reinsurance recoverable 24 27    
Net liability for future policy benefits, after reinsurance recoverable $ 1,340 $ 1,398    
Weighted-average duration of liability for future policyholder benefits (years) 6 years 10 months 24 days 7 years    
Operating Segments | Individual Retirement | Payout - Non-Legacy        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance $ 0 $ 0    
Beginning balance at original discount rate 0 0    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     0 0
Adjusted beginning of period balance     0 0
Issuances 0 0    
Interest accrual 0 0    
Net premiums collected 0 0    
Ending balance at original discount rate 0 0    
Effect of changes in discount rate assumptions 0 0    
Ending balance 0 0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 844 828    
Beginning balance of original discount rate 840 845    
Effect of changes in cash flow assumptions     (1) 0
Effect of actual variances from expected experience     (1) 1
Adjusted beginning of period balance     838 846
Issuances 11 15    
Interest accrual 10 10    
Benefits payments (23) (23)    
Ending Balance at original discount rate 836 848    
Effect of changes in discount rate assumptions (16) 6    
Balance, end of period 820 854    
Impact of flooring LFPB at zero 0 0    
Liability for future policy benefits 820 854    
Less: Reinsurance recoverable (1) 0    
Net liability for future policy benefits, after reinsurance recoverable $ 819 $ 854    
Weighted-average duration of liability for future policyholder benefits (years) 9 years 3 months 18 days 9 years 4 months 24 days    
Operating Segments | Legacy | Payout - Legacy        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance $ 0 $ 0    
Beginning balance at original discount rate 0 0    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     0 0
Adjusted beginning of period balance     0 0
Issuances 0 0    
Interest accrual 0 0    
Net premiums collected 0 0    
Ending balance at original discount rate 0 0    
Effect of changes in discount rate assumptions 0 0    
Ending balance 0 0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 3,620 2,689    
Beginning balance of original discount rate 3,840 3,024    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     (2) 0
Adjusted beginning of period balance     3,838 3,024
Issuances 269 222    
Interest accrual 35 21    
Benefits payments (89) (65)    
Ending Balance at original discount rate 4,053 3,202    
Effect of changes in discount rate assumptions (286) (258)    
Balance, end of period 3,767 2,944    
Impact of flooring LFPB at zero 0 0    
Liability for future policy benefits 3,767 2,944    
Less: Reinsurance recoverable (1,068) (589)    
Net liability for future policy benefits, after reinsurance recoverable $ 2,699 $ 2,355    
Weighted-average duration of liability for future policyholder benefits (years) 7 years 7 months 6 days 7 years 10 months 24 days    
Corporate and Other | Group Pension        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance $ 0 $ 0    
Beginning balance at original discount rate 0 0    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     0 0
Adjusted beginning of period balance     0 0
Issuances 0 0    
Interest accrual 0 0    
Net premiums collected 0 0    
Ending balance at original discount rate 0 0    
Effect of changes in discount rate assumptions 0 0    
Ending balance 0 0    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 490 523    
Beginning balance of original discount rate 536 583    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     1 (1)
Adjusted beginning of period balance     537 582
Issuances 0 0    
Interest accrual 5 5    
Benefits payments (16) (17)    
Ending Balance at original discount rate 526 570    
Effect of changes in discount rate assumptions (53) (48)    
Balance, end of period 473 522    
Impact of flooring LFPB at zero 0 0    
Liability for future policy benefits 473 522    
Less: Reinsurance recoverable 0 0    
Net liability for future policy benefits, after reinsurance recoverable $ 473 $ 522    
Weighted-average duration of liability for future policyholder benefits (years) 7 years 7 years 1 month 6 days    
Corporate and Other | Health        
Liability for Future Policy Benefit, Expected Net Premium [Roll Forward]        
Beginning balance $ (21) $ (5)    
Beginning balance at original discount rate (22) (5)    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     1 (6)
Adjusted beginning of period balance     (21) (11)
Issuances 0 0    
Interest accrual 0 0    
Net premiums collected 1 1    
Ending balance at original discount rate (20) (10)    
Effect of changes in discount rate assumptions 1 0    
Ending balance (19) (10)    
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 1,484 1,553    
Beginning balance of original discount rate 1,672 1,795    
Effect of changes in cash flow assumptions     0 0
Effect of actual variances from expected experience     1 (7)
Adjusted beginning of period balance     $ 1,673 $ 1,788
Issuances 0 0    
Interest accrual 14 15    
Benefits payments (41) (33)    
Ending Balance at original discount rate 1,646 1,770    
Effect of changes in discount rate assumptions (215) (197)    
Balance, end of period 1,431 1,573    
Impact of flooring LFPB at zero 0 0    
Liability for future policy benefits 1,450 1,583    
Less: Reinsurance recoverable (1,147) (1,258)    
Net liability for future policy benefits, after reinsurance recoverable $ 303 $ 325    
Weighted-average duration of liability for future policyholder benefits (years) 8 years 7 months 6 days 8 years 8 months 12 days    
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Schedule of Liability for Future Policy Benefits, Undiscounted and Discounted Expected Gross Premiums and Expected Future Benefits and Expenses (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Term    
Liability for Future Policy Benefit, Activity [Line Items]    
Expected future benefit payments and expenses (undiscounted) $ 5,768 $ 5,878
Expected future gross premiums (undiscounted) 6,900 6,979
Expected future benefit payments and expenses (discounted; AOCI basis) 3,341 3,480
Expected future gross premiums (discounted; AOCI basis) 3,738 3,879
Payout - Legacy    
Liability for Future Policy Benefit, Activity [Line Items]    
Expected future benefit payments and expenses (undiscounted) 5,530 5,204
Expected future gross premiums (undiscounted) 0 0
Expected future benefit payments and expenses (discounted; AOCI basis) 3,682 3,538
Expected future gross premiums (discounted; AOCI basis) 0 0
Payout    
Liability for Future Policy Benefit, Activity [Line Items]    
Expected future benefit payments and expenses (undiscounted) 1,414 1,426
Expected future gross premiums (undiscounted) 0 0
Expected future benefit payments and expenses (discounted; AOCI basis) 786 812
Expected future gross premiums (discounted; AOCI basis) 0 0
Group Pension    
Liability for Future Policy Benefit, Activity [Line Items]    
Expected future benefit payments and expenses (undiscounted) 654 668
Expected future gross premiums (undiscounted) 0 0
Expected future benefit payments and expenses (discounted; AOCI basis) 454 471
Expected future gross premiums (discounted; AOCI basis) 0 0
Health    
Liability for Future Policy Benefit, Activity [Line Items]    
Expected future benefit payments and expenses (undiscounted) 2,278 2,318
Expected future gross premiums (undiscounted) 82 85
Expected future benefit payments and expenses (discounted; AOCI basis) 1,415 1,468
Expected future gross premiums (discounted; AOCI basis) $ 64 $ 68
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Schedule of Liability for Future Policy Benefits, Revenue and Interest Accretion (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium $ 159 $ 114
Interest Accretion 84 68
Term    
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium 88 70
Interest Accretion 16 17
Payout - Legacy    
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium 59 27
Interest Accretion 39 21
Payout    
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium 9 15
Interest Accretion 10 10
Group Pension    
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium 0 0
Interest Accretion 5 5
Health    
Liability for Future Policy Benefit, Activity [Line Items]    
Gross Premium 3 2
Interest Accretion $ 14 $ 15
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Schedule of Liability for Future Policy Benefits, Weighted Average Interest Rates (Details)
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 4.50%   4.50%
Term      
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 5.60% 5.60%  
Current discount rate 5.10% 4.80%  
Payout - Legacy      
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 4.10% 4.00%  
Current discount rate 5.10% 4.90%  
Individual Retirement - Payout      
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 5.20% 4.90%  
Current discount rate 5.00% 5.00%  
Group Pension      
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 3.30% 3.30%  
Current discount rate 5.10% 4.80%  
Health      
Liability for Future Policy Benefit, Activity [Line Items]      
Interest accretion rate 5.20% 4.90%  
Current discount rate 3.40% 3.40%  
v3.24.1.u1
LIABILITIES FOR FUTURE POLICYHOLDER BENEFITS - Balances of and Changes in Additional Liabilities Related to Insurance Guarantees (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Net liability for additional liability $ 17,324   $ 17,363  
Weighted Average Interest Rate 4.50% 4.50%    
Assessments        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Revenue and Interest Accretion $ 164 $ 172    
Interest Accretion        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Revenue and Interest Accretion 14 $ 13    
UL        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Net liability for additional liability $ 1,194   1,193  
Weighted Average Interest Rate 4.50% 4.50%    
UL | Assessments        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Revenue and Interest Accretion $ 164 $ 172    
UL | Interest Accretion        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Revenue and Interest Accretion 14 13    
Protection Solutions | UL        
Liability for Future Policy Benefit, Expected Future Policy Benefit [Roll Forward]        
Balance, beginning of period 1,193 1,109    
Beginning balance before AOCI adjustments 1,230 1,135    
Effect of changes in interest rate & cash flow assumptions and model changes     0 $ 0
Effect of actual variances from expected experience     1 6
Adjusted beginning of period balance     $ 1,231 $ 1,141
Interest accrual 14 13    
Net assessments collected 18 18    
Benefits payments (21) (18)    
Ending balance before shadow reserve adjustments 1,242 1,154    
Effect of reserve adjustment recorded in AOCI (48) (21)    
Balance, end of period 1,194 1,133    
Net liability for additional liability 1,194 1,133    
Less: Reinsurance recoverable 0 0    
Net liability for future policy benefits, after reinsurance recoverable $ 1,194 $ 1,133    
Weighted-average duration of additional liability - death benefit (years) 19 years 8 months 12 days 21 years 7 months 6 days    
v3.24.1.u1
MARKET RISK BENEFITS - Changes in the Market Risk Benefits for Deferred Variable Annuities (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Individual Retirement | GMxB Core    
Market Risk Benefit [Roll Forward]    
Balance, beginning of the period $ 590 $ 530
Balance BOP before changes in the instrument specific credit risk 322 529
Model changes and effect of changes in cash flow assumptions (2) 0
Actual market movement effect (160) (211)
Interest accrual 16 18
Attributed fees accrued 95 95
Benefit payments (10) (12)
Actual policyholder behavior different from expected behavior 5 7
Changes in future economic assumptions (194) 125
Issuances (2) (1)
Balance EOP before changes in the instrument-specific credit risk 70 550
Changes in the instrument-specific credit risk 245 (233)
Balance, end of the period $ 315 $ 317
Weighted-average age of policyholders (years) 64 years 7 months 6 days 63 years 8 months 12 days
Net amount at risk $ 2,764 $ 3,287
Legacy | GMxB Legacy    
Market Risk Benefit [Roll Forward]    
Balance, beginning of the period 13,418 14,699
Balance BOP before changes in the instrument specific credit risk 13,028 15,314
Model changes and effect of changes in cash flow assumptions (8) 0
Actual market movement effect (788) (744)
Interest accrual 161 197
Attributed fees accrued 200 209
Benefit payments (321) (342)
Actual policyholder behavior different from expected behavior (23) 21
Changes in future economic assumptions (923) 944
Issuances 0 0
Balance EOP before changes in the instrument-specific credit risk 11,326 15,599
Changes in the instrument-specific credit risk 375 (1,517)
Balance, end of the period $ 11,701 $ 14,082
Weighted-average age of policyholders (years) 73 years 2 months 12 days 72 years 9 months 18 days
Net amount at risk $ 19,673 $ 21,472
Legacy | Purchased MRB    
Market Risk Benefit [Roll Forward]    
Balance, beginning of the period (9,420) (10,415)
Balance BOP before changes in the instrument specific credit risk (9,387) (10,358)
Model changes and effect of changes in cash flow assumptions 150 0
Actual market movement effect 393 387
Interest accrual (113) (153)
Attributed fees accrued (80) (83)
Benefit payments 169 185
Actual policyholder behavior different from expected behavior 9 (18)
Changes in future economic assumptions 553 (530)
Issuances 0 0
Balance EOP before changes in the instrument-specific credit risk (8,306) (10,570)
Changes in the instrument-specific credit risk (27) (99)
Balance, end of the period $ (8,333) $ (10,669)
Weighted-average age of policyholders (years) 72 years 9 months 18 days 72 years 2 months 12 days
Net amount at risk $ 10,407 $ 10,045
Legacy | Net Legacy    
Market Risk Benefit [Roll Forward]    
Balance, beginning of the period 3,998 4,284
Balance BOP before changes in the instrument specific credit risk 3,641 4,956
Model changes and effect of changes in cash flow assumptions 142 0
Actual market movement effect (395) (357)
Interest accrual 48 44
Attributed fees accrued 120 126
Benefit payments (152) (157)
Actual policyholder behavior different from expected behavior (14) 3
Changes in future economic assumptions (370) 414
Issuances 0 0
Balance EOP before changes in the instrument-specific credit risk 3,020 5,029
Changes in the instrument-specific credit risk 348 (1,616)
Balance, end of the period $ 3,368 $ 3,413
v3.24.1.u1
MARKET RISK BENEFITS - Reconciles Market Risk Benefits (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Market Risk Benefit [Line Items]    
Direct Asset $ (818) $ (591)
Direct Liability 12,814 14,612
Net Direct MRB 11,996 14,021
Purchased MRB (8,337) (9,427)
Total 3,659 4,594
Individual Retirement | GMxB Core    
Market Risk Benefit [Line Items]    
Direct Asset (558) (418)
Direct Liability 873 1,008
Net Direct MRB 315 590
Purchased MRB 0 0
Total 315 590
Legacy | GMxB Legacy    
Market Risk Benefit [Line Items]    
Direct Asset (170) (102)
Direct Liability 11,871 13,520
Net Direct MRB 11,701 13,418
Purchased MRB (8,333) (9,420)
Total 3,368 3,998
Other    
Market Risk Benefit [Line Items]    
Direct Asset (90) (71)
Direct Liability 70 84
Net Direct MRB (20) 13
Purchased MRB (4) (7)
Total $ (24) $ 6
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Reconciliation of Policyholders Account Balances to Policyholders' Account Balance Liability (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Activity [Line Items]        
Balance (exclusive of Funding Agreements) $ 86,109 $ 80,783    
Funding Agreements 14,137 14,890    
Balance, end of period 100,246 95,673    
Protection Solutions | Universal Life        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 5,163 5,202 $ 5,291 $ 5,340
Protection Solutions | Variable Universal Life        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 4,886 4,862 4,851 4,909
Legacy Segment | GMxB Legacy        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 616 618 685 688
Individual Retirement | GMxB Core        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 22 36 55 69
Individual Retirement | SCS        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 54,373 49,002 38,637 35,702
Individual Retirement | EQUI-VEST Individual        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 2,242 2,322 2,574 2,652
Group Retirement | EQUI-VEST Group        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 11,430 11,563 11,952 12,045
Group Retirement | Momentum        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance 590 608 $ 683 $ 702
Other        
Liability for Future Policy Benefit, Activity [Line Items]        
Policyholder account balance $ 6,787 $ 6,570    
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Balances and Changes in Policyholders' Account Balances (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Policyholder Account Balance [Roll Forward]    
Interest credited $ 566 $ 463
Protection Solutions | Universal Life    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 5,202 5,340
Premiums received 166 184
Policy charges (182) (194)
Surrenders and withdrawals (20) (18)
Benefit payments (58) (76)
Net transfers from (to) separate account 0 0
Interest credited 55 55
Other 0 0
Balance, end of period $ 5,163 $ 5,291
Weighted-average crediting rate 3.79% 3.64%
Net amount at risk $ 34,991 $ 37,031
Cash surrender value 3,405 3,475
Protection Solutions | Variable Universal Life    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 4,862 4,909
Premiums received 27 38
Policy charges (64) (65)
Surrenders and withdrawals (20) (1)
Benefit payments (19) (40)
Net transfers from (to) separate account 48 (45)
Interest credited 52 55
Other 0 0
Balance, end of period $ 4,886 $ 4,851
Weighted-average crediting rate 3.73% 3.81%
Net amount at risk $ 115,499 $ 114,419
Cash surrender value 3,186 3,293
Legacy Segment | GMxB Legacy    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 618 688
Premiums received 19 20
Policy charges 18 19
Surrenders and withdrawals (22) (25)
Benefit payments (24) (24)
Net transfers from (to) separate account 1 0
Interest credited 6 7
Other 0 0
Balance, end of period $ 616 $ 685
Weighted-average crediting rate 2.71% 1.78%
Net amount at risk $ 19,673 $ 21,472
Cash surrender value 550 957
Individual Retirement | GMxB Core    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 36 69
Premiums received 58 46
Policy charges (6) (4)
Surrenders and withdrawals (8) (8)
Benefit payments (1) (1)
Net transfers from (to) separate account (59) (49)
Interest credited 2 2
Other 0 0
Balance, end of period $ 22 $ 55
Weighted-average crediting rate 1.65% 1.05%
Net amount at risk $ 2,764 $ 3,287
Cash surrender value 258 284
Individual Retirement | SCS    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 49,002 35,702
Premiums received 5 0
Policy charges (4) (1)
Surrenders and withdrawals (953) (607)
Benefit payments (72) (59)
Net transfers from (to) separate account 3,175 1,982
Interest credited 3,220 1,620
Other 0 0
Balance, end of period 54,373 $ 38,637
Weighted-average crediting rate   1.12%
Net amount at risk 0 $ 43
Cash surrender value 50,667 35,286
Individual Retirement | EQUI-VEST Individual    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 2,322 2,652
Premiums received 7 11
Policy charges 0 0
Surrenders and withdrawals (91) (94)
Benefit payments (15) (20)
Net transfers from (to) separate account 2 3
Interest credited 17 19
Other 0 3
Balance, end of period $ 2,242 $ 2,574
Weighted-average crediting rate 2.98% 3.09%
Net amount at risk $ 104 $ 128
Cash surrender value 2,235 2,567
Group Retirement | EQUI-VEST Group    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 11,563 12,045
Premiums received 151 148
Policy charges (1) (1)
Surrenders and withdrawals (443) (405)
Benefit payments (17) (17)
Net transfers from (to) separate account 81 69
Interest credited 96 102
Other 0 11
Balance, end of period $ 11,430 $ 11,952
Weighted-average crediting rate 2.65% 2.99%
Net amount at risk $ 6 $ 58
Cash surrender value 11,368 11,871
Group Retirement | Momentum    
Policyholder Account Balance [Roll Forward]    
Balance, beginning of period 608 702
Premiums received 18 19
Policy charges 0 0
Surrenders and withdrawals (30) (30)
Benefit payments (1) (2)
Net transfers from (to) separate account (8) (9)
Interest credited 3 3
Other 0 0
Balance, end of period $ 590 $ 683
Weighted-average crediting rate 2.33% 2.03%
Net amount at risk $ 0 $ 0
Cash surrender value $ 591 $ 684
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Guaranteed Minimum Interest Rates (Details)
$ in Millions
Mar. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
1 Basis Point - 50 Basis Points Above | Minimum    
Policyholder Account Balance [Line Items]    
Basis points above guaranteed minimum crediting rate 0.0001 0.0001
1 Basis Point - 50 Basis Points Above | Maximum    
Policyholder Account Balance [Line Items]    
Basis points above guaranteed minimum crediting rate 0.0050 0.0050
51 Basis Points - 150 Basis Points Above | Minimum    
Policyholder Account Balance [Line Items]    
Basis points above guaranteed minimum crediting rate 0.0051 0.0051
51 Basis Points - 150 Basis Points Above | Maximum    
Policyholder Account Balance [Line Items]    
Basis points above guaranteed minimum crediting rate 0.0150 0.0150
Greater Than 150 Basis Points Above | Minimum    
Policyholder Account Balance [Line Items]    
Basis points above guaranteed minimum crediting rate 0.0150 0.0150
Protection Solutions | Universal Life    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 5,133 $ 5,170
Protection Solutions | Universal Life | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 6 $ 6
Protection Solutions | Universal Life | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Protection Solutions | Universal Life | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Protection Solutions | Universal Life | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 1,026 $ 1,022
Protection Solutions | Universal Life | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Protection Solutions | Universal Life | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Protection Solutions | Universal Life | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 4,101 $ 4,142
Protection Solutions | Universal Life | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Protection Solutions | Universal Life | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 3,521 $ 3,576
Protection Solutions | Universal Life | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Universal Life | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 38 61
Protection Solutions | Universal Life | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 3,484 3,515
Protection Solutions | Universal Life | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 707 696
Protection Solutions | Universal Life | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Universal Life | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 89 69
Protection Solutions | Universal Life | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 617 627
Protection Solutions | Universal Life | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 415 462
Protection Solutions | Universal Life | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Universal Life | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 415 462
Protection Solutions | Universal Life | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Universal Life | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 491 436
Protection Solutions | Universal Life | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 6 6
Protection Solutions | Universal Life | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 485 430
Protection Solutions | Universal Life | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Variable Universal Life    
Policyholder Account Balance [Line Items]    
Policyholder account value 4,404 4,399
Protection Solutions | Variable Universal Life | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 121 $ 111
Protection Solutions | Variable Universal Life | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Protection Solutions | Variable Universal Life | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Protection Solutions | Variable Universal Life | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 561 $ 558
Protection Solutions | Variable Universal Life | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Protection Solutions | Variable Universal Life | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Protection Solutions | Variable Universal Life | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 3,723 $ 3,730
Protection Solutions | Variable Universal Life | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Protection Solutions | Variable Universal Life | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 3,746 $ 3,763
Protection Solutions | Variable Universal Life | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 13 16
Protection Solutions | Variable Universal Life | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 29 35
Protection Solutions | Variable Universal Life | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 3,703 3,712
Protection Solutions | Variable Universal Life | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 480 528
Protection Solutions | Variable Universal Life | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 23 33
Protection Solutions | Variable Universal Life | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 457 495
Protection Solutions | Variable Universal Life | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Variable Universal Life | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 157 94
Protection Solutions | Variable Universal Life | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 69 53
Protection Solutions | Variable Universal Life | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 74 28
Protection Solutions | Variable Universal Life | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 14 13
Protection Solutions | Variable Universal Life | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 21 14
Protection Solutions | Variable Universal Life | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 16 9
Protection Solutions | Variable Universal Life | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Protection Solutions | Variable Universal Life | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 5 5
Legacy Segment | GMxB Legacy    
Policyholder Account Balance [Line Items]    
Policyholder account value 551 573
Legacy Segment | GMxB Legacy | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 87 $ 91
Legacy Segment | GMxB Legacy | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Legacy Segment | GMxB Legacy | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Legacy Segment | GMxB Legacy | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 20 $ 21
Legacy Segment | GMxB Legacy | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Legacy Segment | GMxB Legacy | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Legacy Segment | GMxB Legacy | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 444 $ 461
Legacy Segment | GMxB Legacy | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Legacy Segment | GMxB Legacy | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 536 $ 557
Legacy Segment | GMxB Legacy | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 72 75
Legacy Segment | GMxB Legacy | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 20 21
Legacy Segment | GMxB Legacy | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 444 461
Legacy Segment | GMxB Legacy | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 16 16
Legacy Segment | GMxB Legacy | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 16 16
Legacy Segment | GMxB Legacy | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Legacy Segment | GMxB Legacy | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core    
Policyholder Account Balance [Line Items]    
Policyholder account value 265 273
Individual Retirement | GMxB Core | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 196 $ 205
Individual Retirement | GMxB Core | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Individual Retirement | GMxB Core | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Individual Retirement | GMxB Core | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 12 $ 13
Individual Retirement | GMxB Core | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Individual Retirement | GMxB Core | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Individual Retirement | GMxB Core | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 57 $ 55
Individual Retirement | GMxB Core | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Individual Retirement | GMxB Core | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 81 $ 81
Individual Retirement | GMxB Core | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 12 13
Individual Retirement | GMxB Core | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 12 13
Individual Retirement | GMxB Core | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 57 55
Individual Retirement | GMxB Core | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 184 192
Individual Retirement | GMxB Core | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 184 192
Individual Retirement | GMxB Core | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | GMxB Core | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual    
Policyholder Account Balance [Line Items]    
Policyholder account value 2,240 2,321
Individual Retirement | EQUI-VEST Individual | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 259 $ 267
Individual Retirement | EQUI-VEST Individual | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Individual Retirement | EQUI-VEST Individual | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Individual Retirement | EQUI-VEST Individual | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 41 $ 43
Individual Retirement | EQUI-VEST Individual | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Individual Retirement | EQUI-VEST Individual | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Individual Retirement | EQUI-VEST Individual | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 1,940 $ 2,011
Individual Retirement | EQUI-VEST Individual | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Individual Retirement | EQUI-VEST Individual | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 2,027 $ 2,103
Individual Retirement | EQUI-VEST Individual | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 47 49
Individual Retirement | EQUI-VEST Individual | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 41 43
Individual Retirement | EQUI-VEST Individual | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 1,940 2,011
Individual Retirement | EQUI-VEST Individual | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 213 218
Individual Retirement | EQUI-VEST Individual | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 213 218
Individual Retirement | EQUI-VEST Individual | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Individual Retirement | EQUI-VEST Individual | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group    
Policyholder Account Balance [Line Items]    
Policyholder account value 10,232 10,416
Group Retirement | EQUI-VEST Group | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 3,436 $ 3,461
Group Retirement | EQUI-VEST Group | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Group Retirement | EQUI-VEST Group | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Group Retirement | EQUI-VEST Group | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 347 $ 345
Group Retirement | EQUI-VEST Group | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Group Retirement | EQUI-VEST Group | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Group Retirement | EQUI-VEST Group | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 6,449 $ 6,610
Group Retirement | EQUI-VEST Group | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Group Retirement | EQUI-VEST Group | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 7,551 $ 7,727
Group Retirement | EQUI-VEST Group | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 756 772
Group Retirement | EQUI-VEST Group | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 347 345
Group Retirement | EQUI-VEST Group | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 6,448 6,610
Group Retirement | EQUI-VEST Group | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 2,356 2,338
Group Retirement | EQUI-VEST Group | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 2,356 2,338
Group Retirement | EQUI-VEST Group | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 36 36
Group Retirement | EQUI-VEST Group | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 36 36
Group Retirement | EQUI-VEST Group | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 289 315
Group Retirement | EQUI-VEST Group | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 289 315
Group Retirement | EQUI-VEST Group | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | EQUI-VEST Group | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | Momentum    
Policyholder Account Balance [Line Items]    
Policyholder account value 589 607
Group Retirement | Momentum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 384 $ 395
Group Retirement | Momentum | 0.00% - 1.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 0.00% 0.00%
Group Retirement | Momentum | 0.00% - 1.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.50% 1.50%
Group Retirement | Momentum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 133 $ 139
Group Retirement | Momentum | 1.51% - 2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 1.51% 1.51%
Group Retirement | Momentum | 1.51% - 2.50% | Maximum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Group Retirement | Momentum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 72 $ 73
Group Retirement | Momentum | Greater than2.50% | Minimum    
Policyholder Account Balance [Line Items]    
Guaranteed minimum credit rating 2.50% 2.50%
Group Retirement | Momentum | At Guaranteed Minimum    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 199 $ 206
Group Retirement | Momentum | At Guaranteed Minimum | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | Momentum | At Guaranteed Minimum | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 132 138
Group Retirement | Momentum | At Guaranteed Minimum | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 68 68
Group Retirement | Momentum | 1 Basis Point - 50 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 14 13
Group Retirement | Momentum | 1 Basis Point - 50 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 13 12
Group Retirement | Momentum | 1 Basis Point - 50 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 1 1
Group Retirement | Momentum | 1 Basis Point - 50 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | Momentum | 51 Basis Points - 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 322 335
Group Retirement | Momentum | 51 Basis Points - 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 318 330
Group Retirement | Momentum | 51 Basis Points - 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | Momentum | 51 Basis Points - 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 5 5
Group Retirement | Momentum | Greater Than 150 Basis Points Above    
Policyholder Account Balance [Line Items]    
Policyholder account value 53 53
Group Retirement | Momentum | Greater Than 150 Basis Points Above | 0.00% - 1.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 53 53
Group Retirement | Momentum | Greater Than 150 Basis Points Above | 1.51% - 2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value 0 0
Group Retirement | Momentum | Greater Than 150 Basis Points Above | Greater than2.50%    
Policyholder Account Balance [Line Items]    
Policyholder account value $ 0 $ 0
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Reconciliation of Separate Account Liabilities to Separate Account Liability balance (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities $ 133,735 $ 127,251    
Protection Solutions | Variable Universal Life        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 17,007 15,821 $ 14,084 $ 13,187
Legacy Segment | GMxB Legacy        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 34,860 33,794 33,459 32,616
Individual Retirement | GMxB Core        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 30,820 29,829 28,549 27,772
Individual Retirement | EQUI-VEST Individual        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 4,826 4,582 4,342 4,161
Individual Retirement | Investment Edge        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 4,524 4,275 3,979 3,798
Group Retirement | EQUI-VEST Group        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 29,018 26,959 23,940 22,393
Group Retirement | Momentum        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities 4,706 4,421 $ 4,142 $ 3,885
Other        
Liability for Future Policy Benefit, Activity [Line Items]        
Separate Accounts liabilities $ 7,974 $ 7,570    
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Balances and Changes in Separate Accounts Liability (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period $ 127,251  
Balance, end of the period 133,735  
Protection Solutions | VUL    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 15,821 $ 13,187
Premiums and deposits 306 287
Policy charges (143) (137)
Surrenders and withdrawals (142) (117)
Benefit payments (16) (24)
Investment performance 1,229 843
Net transfers from (to) General Account (48) 45
Other charges 0 0
Balance, end of the period 17,007 14,084
Cash surrender value 16,648 13,755
Legacy Segment | GMxB Legacy    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 33,794 32,616
Premiums and deposits 54 65
Policy charges (168) (178)
Surrenders and withdrawals (812) (660)
Benefit payments (196) (192)
Investment performance 2,189 1,808
Net transfers from (to) General Account (1) 0
Other charges 0 0
Balance, end of the period 34,860 33,459
Cash surrender value 34,595 33,181
Individual Retirement | GMxB Core    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 29,829 27,772
Premiums and deposits 504 256
Policy charges (115) (115)
Surrenders and withdrawals (820) (559)
Benefit payments (78) (56)
Investment performance 1,442 1,202
Net transfers from (to) General Account 58 49
Other charges 0 0
Balance, end of the period 30,820 28,549
Cash surrender value 29,979 27,680
Individual Retirement | EQUI-VEST Individual    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 4,582 4,161
Premiums and deposits 18 26
Policy charges (1) (1)
Surrenders and withdrawals (129) (100)
Benefit payments (15) (14)
Investment performance 373 269
Net transfers from (to) General Account (2) (3)
Other charges 0 4
Balance, end of the period 4,826 4,342
Cash surrender value 4,792 4,310
Individual Retirement | Investment Edge    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 4,275 3,798
Premiums and deposits 310 253
Policy charges 0 0
Surrenders and withdrawals (135) (95)
Benefit payments (5) (12)
Investment performance 258 175
Net transfers from (to) General Account (179) (140)
Other charges 0 0
Balance, end of the period 4,524 3,979
Cash surrender value 4,437 3,885
Group Retirement | EQUI-VEST Group    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 26,959 22,393
Premiums and deposits 565 531
Policy charges (4) (4)
Surrenders and withdrawals (542) (359)
Benefit payments (17) (15)
Investment performance 2,138 1,438
Net transfers from (to) General Account (81) (69)
Other charges 0 25
Balance, end of the period 29,018 23,940
Cash surrender value 28,733 23,702
Group Retirement | Momentum    
Separate Account, Liability [Roll Forward]    
Balance, beginning of the period 4,421 3,885
Premiums and deposits 181 178
Policy charges (6) (5)
Surrenders and withdrawals (208) (157)
Benefit payments (4) (3)
Investment performance 314 235
Net transfers from (to) General Account 8 9
Other charges 0 0
Balance, end of the period 4,706 4,142
Cash surrender value $ 4,699 $ 4,136
v3.24.1.u1
POLICYHOLDER ACCOUNT BALANCES - Aggregate Fair Value of Separate Account Assets (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Policyholder Account Balance [Line Items]    
Separate Accounts assets $ 133,735 $ 127,251
Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 73 76
Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 2,262 2,213
Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 130,048 123,583
Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 1,352 1,379
Protection Solutions    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 17,620 16,403
Protection Solutions | Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 46 48
Protection Solutions | Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 64 65
Protection Solutions | Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 17,419 16,199
Protection Solutions | Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 91 91
Individual Retirement    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 41,794 40,152
Individual Retirement | Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 1 1
Individual Retirement | Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 35 34
Individual Retirement | Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 41,755 40,113
Individual Retirement | Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 3 4
Group Retirement    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 35,706 33,249
Group Retirement | Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 20 21
Group Retirement | Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 450 447
Group Retirement | Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 35,235 32,780
Group Retirement | Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 1 1
Corp & Other    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 3,664 3,645
Corp & Other | Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 6 6
Corp & Other | Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 1,713 1,667
Corp & Other | Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 688 689
Corp & Other | Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 1,257 1,283
Legacy Segment    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 34,951 33,802
Legacy Segment | Debt securities    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 0 0
Legacy Segment | Common Stock    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 0 0
Legacy Segment | Mutual Funds    
Policyholder Account Balance [Line Items]    
Separate Accounts assets 34,951 33,802
Legacy Segment | Bonds and Notes    
Policyholder Account Balance [Line Items]    
Separate Accounts assets $ 0 $ 0
v3.24.1.u1
EMPLOYEE BENEFIT PLANS (Details) - Net Periodic Pension Expense - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Defined Benefit Plan Disclosure [Line Items]    
Service cost $ 2 $ 2
Interest cost 30 31
Expected return on assets (37) (39)
Prior Period Svc Cost Amortization (1) (1)
Actuarial (gain) loss 0 0
Net amortization 14 9
Net Periodic Pension Expense $ 8 $ 2
v3.24.1.u1
INCOME TAXES (Details)
$ in Millions
3 Months Ended
Mar. 31, 2024
USD ($)
Income Tax Disclosure [Abstract]  
Increase in valuation allowance $ 3
Valuation allowance $ 237
v3.24.1.u1
EQUITY - Preferred Stock Activity (Details) - shares
Mar. 31, 2024
Dec. 31, 2023
Class of Stock [Line Items]    
Preferred stock, shares authorized (in shares) 64,000 64,000
Preferred stock, shares issued (in shares) 64,000 64,000
Preferred stock, shares outstanding (in shares) 64,000 64,000
Series A    
Class of Stock [Line Items]    
Preferred stock, shares authorized (in shares) 32,000 32,000
Preferred stock, shares issued (in shares) 32,000 32,000
Preferred stock, shares outstanding (in shares) 32,000 32,000
Series B    
Class of Stock [Line Items]    
Preferred stock, shares authorized (in shares) 20,000 20,000
Preferred stock, shares issued (in shares) 20,000 20,000
Preferred stock, shares outstanding (in shares) 20,000 20,000
Series C    
Class of Stock [Line Items]    
Preferred stock, shares authorized (in shares) 12,000 12,000
Preferred stock, shares issued (in shares) 12,000 12,000
Preferred stock, shares outstanding (in shares) 12,000 12,000
v3.24.1.u1
EQUITY - Dividends Declared (Details) - $ / shares
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Class of Stock [Line Items]    
Dividends declared per share of common stock (in dollars per share) $ 0.22 $ 0.20
Series A    
Class of Stock [Line Items]    
Dividends declared per share of preferred stock (in dollars per share) 328 328
Series B    
Class of Stock [Line Items]    
Dividends declared per share of preferred stock (in dollars per share) 0 0
Series C    
Class of Stock [Line Items]    
Dividends declared per share of preferred stock (in dollars per share) $ 269 $ 269
v3.24.1.u1
EQUITY - Share Repurchase - Narrative (Details) - USD ($)
$ / shares in Units, $ in Millions
1 Months Ended 3 Months Ended
Jan. 04, 2024
Mar. 31, 2024
Mar. 31, 2024
Mar. 31, 2023
Apr. 30, 2024
Dec. 31, 2023
Feb. 09, 2023
Feb. 09, 2022
Class of Stock [Line Items]                
Aggregate amount of share repurchases authorized             $ 700 $ 1,200
Share repurchase program, remaining authorized repurchase amount   $ 1,203 $ 1,203          
Shares repurchased (in shares)     4,300,000 4,500,000        
Accelerated Share Repurchase Agreement                
Class of Stock [Line Items]                
Shares repurchased (in shares)     7,500,000 7,300,000        
Share repurchases, average purchase price (in dollars per share)     $ 33.86 $ 29.16        
March, 2024                
Class of Stock [Line Items]                
Aggregate amount of share repurchases authorized   $ 50 $ 50          
Shares repurchased (in shares)   1,000,000            
Pre-payment of share repurchases   $ 50 $ 50          
March, 2024 | Subsequent Event                
Class of Stock [Line Items]                
Additional shares received (in shares)         235,302      
December, 2023                
Class of Stock [Line Items]                
Aggregate amount of share repurchases authorized           $ 95    
Shares repurchased (in shares) 2,300,000              
Pre-payment of share repurchases $ 95              
Additional shares received (in shares) 625,040              
v3.24.1.u1
EQUITY - Cumulative Gains (Losses) (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI $ 3,755 $ 4,388 $ 5,471 $ 3,141
Total accumulated other comprehensive income (loss)        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (8,210) (7,817)    
Unrealized gains (losses) on investments        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (7,183) (6,638)    
Market risk benefits - instrument-specific credit risk component        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (601) (633)    
Liability for future policy benefits - current discount rate component        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI 306 182    
Defined benefit pension plans        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (645) (652)    
Foreign currency translation adjustments        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (87) (76)    
Less: Accumulated other comprehensive income (loss) attributable to noncontrolling interest        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI (44) (40)    
Accumulated other comprehensive income (loss) attributable to Holdings        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
AOCI $ (8,166) $ (7,777) $ (6,516) $ (8,992)
v3.24.1.u1
EQUITY - Components of OCI, Net of Taxes (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Change in net unrealized gains (losses) on investments:    
Net unrealized gains (losses) arising during the period $ (543) $ 1,571
(Gains) losses reclassified into net income (loss) during the period 21 63
Net unrealized gains (losses) on investments (522) 1,634
Adjustments for policyholders’ liabilities, DAC, insurance liability loss recognition and other 9 (8)
Change in unrealized gains (losses), net of adjustments (net of deferred income tax expense (benefit) of $(133) and $341) (513) 1,626
Change in LFPB discount rate and MRB credit risk, net of tax    
Market risk benefits - changes in instrument-specific credit risk (net of deferred income tax expense (benefit) of $7 and $249) 25 938
Liability for future policy benefits - changes in current discount rate (net of deferred income tax expense (benefit) of $26 and $(30) ) 98 (112)
Change in defined benefit plans:    
Reclassification to Net income (loss) of amortization of net prior service credit included in net periodic cost 8 20
Change in defined benefit plans (net of deferred income tax expense (benefit) of $(2), and $(6)) 8 20
Foreign currency translation adjustments:    
Foreign currency translation gains (losses) arising during the period (11) 6
Foreign currency translation adjustment (11) 6
Total other comprehensive income (loss), net of income taxes (393) 2,478
Less: Other comprehensive income (loss) attributable to noncontrolling interest (4) 2
Other comprehensive income (loss) attributable to Holdings (389) 2,476
Deferred income tax expense (benefit) for change in unrealized gains (losses) (133) 341
Deferred income tax expense (benefit) for market risk benefits - change in instrument-specific credit risk 7 249
Deferred income tax expense (benefit) for liability for future policy benefits - change in current discount rate 26 (30)
Deferred income tax expense (benefit) for change in defined benefit plans (2) (6)
Reclassification adjustment $ (5) $ (17)
v3.24.1.u1
REDEEMABLE NONCONTROLLING INTEREST (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Stockholders' Equity Attributable to Noncontrolling Interest [Roll Forward]    
Balance, beginning of period $ 770 [1],[2] $ 455
Net earnings (loss) attributable to redeemable noncontrolling interests 18 12
Purchase/change of redeemable noncontrolling interests 203 146
Balance, end of period $ 991 [1],[2] $ 613
[1] See Note 14 of the Notes to these Consolidated Financial Statements for details of redeemable noncontrolling interest.
[2] See Note 2 of the Notes to these Consolidated Financial Statements for details of balances with VIEs.
v3.24.1.u1
COMMITMENTS AND CONTINGENT LIABILITIES - Narrative (Details)
1 Months Ended
Apr. 30, 2019
USD ($)
shares
Mar. 31, 2024
USD ($)
legalAction
May 31, 2023
USD ($)
Feb. 29, 2016
USD ($)
federal_action
Loss Contingencies [Line Items]        
Unaccrued amounts of reasonably possible range of losses   $ 100,000,000    
Number of federal actions | federal_action       3
Federal home loan bank stock   336,000,000    
Carrying value of collateral pledged for federal home loan bank   9,500,000,000    
Commitments by the company to provide equity financing   1,300,000,000    
Commitments under existing mortgage loan agreements   700,000,000    
Letter of Credit        
Loss Contingencies [Line Items]        
Undrawn balance   17,000,000    
Trust Notes        
Loss Contingencies [Line Items]        
Line of credit facility, maximum borrowing capacity   10,000,000,000    
Funding Agreement-Backed Commercial Paper Program        
Loss Contingencies [Line Items]        
Long-term line of credit outstanding     $ 3,000,000,000  
Funding Agreement-Backed Commercial Paper Program | Equitable Financial        
Loss Contingencies [Line Items]        
Long-term line of credit outstanding   675,000,000 $ 1,000,000,000  
Funding Agreement-Backed Commercial Paper Program | Equitable America        
Loss Contingencies [Line Items]        
Long-term line of credit outstanding   $ 0    
Pre-Capitalized Trust Securities, Redeemable February 15, 2029        
Loss Contingencies [Line Items]        
Shares issued (in shares) | shares 600,000      
Proceeds from offering $ 600,000,000      
Sale of stock, funding arrangement, period to issue senior notes to trust 10 years      
Sale of stock, semi-annual facility fee, rate 2.125%      
Pre-Capitalized Trust Securities, Redeemable February 15, 2049        
Loss Contingencies [Line Items]        
Shares issued (in shares) | shares 400,000      
Proceeds from offering $ 400,000,000      
Sale of stock, funding arrangement, period to issue senior notes to trust 30 years      
Sale of stock, semi-annual facility fee, rate 2.715%      
NEW YORK        
Loss Contingencies [Line Items]        
Number of actions | legalAction   1    
Brach Family Foundation Litigation        
Loss Contingencies [Line Items]        
Liability for future policy benefits, face value of policy       $ 1,000,000
v3.24.1.u1
COMMITMENTS AND CONTINGENT LIABILITIES - Funding Agreements (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Federal Home Loan Bank (FHLB)    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start $ 7,615  
Issued During the Period 15,193  
Repaid During the Period (15,643)  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Outstanding Balance, period end 7,165  
Difference related to remaining amortization 3 $ 3
Federal Home Loan Bank (FHLB) | Due in one year or less    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 6,168  
Issued During the Period 15,193  
Repaid During the Period (15,643)  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Outstanding Balance, period end 5,718  
Federal Home Loan Bank (FHLB) | Total long-term funding agreements    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 1,447  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Outstanding Balance, period end 1,447  
Federal Home Loan Bank (FHLB) | Due in years two through five    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 799  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Outstanding Balance, period end 799  
Federal Home Loan Bank (FHLB) | Due in more than five years    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 648  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Outstanding Balance, period end 648  
Funding Agreement-Backed Notes Program (FABN)    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 6,284  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Foreign Currency Transaction Adjustment (16)  
Outstanding Balance, period end 6,268  
Difference related to remaining amortization 16 $ 17
Funding Agreement-Backed Notes Program (FABN) | Due in one year or less    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 1,000  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Foreign Currency Transaction Adjustment 0  
Outstanding Balance, period end 1,000  
Funding Agreement-Backed Notes Program (FABN) | Total long-term funding agreements    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 5,284  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Foreign Currency Transaction Adjustment (16)  
Outstanding Balance, period end 5,268  
Funding Agreement-Backed Notes Program (FABN) | Due in years two through five    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 4,984  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Foreign Currency Transaction Adjustment (16)  
Outstanding Balance, period end 4,968  
Funding Agreement-Backed Notes Program (FABN) | Due in more than five years    
Restructuring Reserve [Roll Forward]    
Outstanding Balance, period start 300  
Issued During the Period 0  
Repaid During the Period 0  
Long-term Agreements Maturing Within One Year 0  
Long-term Agreements Maturing Within Five Years 0  
Foreign Currency Transaction Adjustment 0  
Outstanding Balance, period end $ 300  
v3.24.1.u1
BUSINESS SEGMENT INFORMATION - Narrative (Details)
$ in Millions
3 Months Ended 12 Months Ended
Mar. 31, 2024
guaranteedLivingBenefitRider
clientChannel
segment
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Segment Reporting Information [Line Items]      
Number of reportable segments | segment 6    
Corporate and Other      
Segment Reporting Information [Line Items]      
Impact of collateral expense   $ 37.8 $ 5.7
Investment Management and Research      
Segment Reporting Information [Line Items]      
Number of main client channels | clientChannel 3    
Legacy      
Segment Reporting Information [Line Items]      
Number of guaranteed living benefit riders | guaranteedLivingBenefitRider 4    
Legacy | Adjustments      
Segment Reporting Information [Line Items]      
Impact of collateral expense   (4.2) (1.0)
Individual Retirement | Adjustments      
Segment Reporting Information [Line Items]      
Impact of collateral expense   (4.0) (0.8)
Group Retirement | Adjustments      
Segment Reporting Information [Line Items]      
Impact of collateral expense   (7.7) (1.4)
Protection Solutions | Adjustments      
Segment Reporting Information [Line Items]      
Impact of collateral expense   $ (21.9) $ (2.5)
v3.24.1.u1
BUSINESS SEGMENT INFORMATION - Reconciliation of Operating Profit (Loss) from Segments to Consolidated (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Segment Reporting Information [Line Items]    
Net income (loss) attributable to Holdings $ 114 $ 177
Adjustments related to:    
Non-GAAP Operating Earnings 490 364
Decrease in deferred tax valuation allowance (3)  
Net Income    
Adjustments related to:    
Decrease in deferred tax valuation allowance   614
Adjustments    
Segment Reporting Information [Line Items]    
Net income (loss) attributable to Holdings 114 177
Adjustments related to:    
Variable annuity product features 319 861
Investment (gains) losses 39 87
Net actuarial (gains) losses related to pension and other postretirement benefit obligations 17 9
Other adjustments 91 45
Income tax expense (benefit) related to above adjustments (98) (210)
Non-recurring tax items 8 (605)
Gross legal expenses related to cost of insurance litigation 106  
Operating Segments | Individual Retirement    
Adjustments related to:    
Non-GAAP Operating Earnings 228 200
Operating Segments | Group Retirement    
Adjustments related to:    
Non-GAAP Operating Earnings 126 89
Operating Segments | Investment Management and Research    
Adjustments related to:    
Non-GAAP Operating Earnings 106 99
Operating Segments | Protection Solutions    
Adjustments related to:    
Non-GAAP Operating Earnings 41 (35)
Operating Segments | Wealth Management    
Adjustments related to:    
Non-GAAP Operating Earnings 43 32
Operating Segments | Legacy    
Adjustments related to:    
Non-GAAP Operating Earnings 51 60
Corporate and Other    
Adjustments related to:    
Non-GAAP Operating Earnings (105) (81)
Interest and debt expense $ 56 $ 67
v3.24.1.u1
BUSINESS SEGMENT INFORMATION - Reconciliation of Revenue from Segments to Consolidated (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Segment Reporting Information [Line Items]    
Total revenues $ 2,230 $ 2,357
Adjustments related to:    
Total revenues 2,230 2,357
Investment expenses 26 26
Operating Segments | Individual Retirement    
Segment Reporting Information [Line Items]    
Total revenues 766 588
Operating Segments | Group Retirement    
Segment Reporting Information [Line Items]    
Total revenues 292 237
Operating Segments | Investment Management and Research    
Segment Reporting Information [Line Items]    
Total revenues 1,093 1,009
Operating Segments | Protection Solutions    
Segment Reporting Information [Line Items]    
Total revenues 825 767
Operating Segments | Wealth Management    
Segment Reporting Information [Line Items]    
Total revenues 423 362
Operating Segments | Legacy    
Segment Reporting Information [Line Items]    
Total revenues 210 206
Corporate and Other    
Segment Reporting Information [Line Items]    
Total revenues 246 281
Eliminations    
Segment Reporting Information [Line Items]    
Total revenues (216) (180)
Eliminations | Investment Management and Other Fees    
Adjustments related to:    
Revenues 42 43
Eliminations | AB Holding    
Adjustments related to:    
Investment expenses 36 38
Eliminations | Wealth Management    
Adjustments related to:    
Expense related to distribution fees 200 175
Adjustments    
Adjustments related to:    
Variable annuity product features (319) (861)
Investment gains (losses), net (39) (87)
Other adjustments to segment revenues $ (1,051) $ 35
v3.24.1.u1
BUSINESS SEGMENT INFORMATION - Reconciliation of Assets from Segment to Consolidated (Details) - USD ($)
$ in Millions
Mar. 31, 2024
Dec. 31, 2023
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets $ 285,577 $ 276,814
Operating Segments | Individual Retirement    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 94,514 90,805
Operating Segments | Group Retirement    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 49,351 47,260
Operating Segments | Investment Management and Research    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 11,276 11,088
Operating Segments | Protection Solutions    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 40,102 38,933
Operating Segments | Wealth Management    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 199 144
Operating Segments | Legacy    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets 49,711 49,487
Corporate and Other    
Revenues from External Customers and Long-Lived Assets [Line Items]    
Total assets $ 40,424 $ 39,097
v3.24.1.u1
INSURANCE STATUTORY FINANCIAL INFORMATION (Details)
3 Months Ended
Mar. 31, 2024
USD ($)
prescribed_and_permitted_practice
Sep. 30, 2022
Jun. 30, 2021
USD ($)
Related Party Transaction [Line Items]      
Number of prescribed and permitted practices | prescribed_and_permitted_practice 5    
Change in statutory surplus $ (72,000,000)    
Statement of Statutory Accounting Principles 108      
Related Party Transaction [Line Items]      
Change in statutory special surplus funds 32,000,000    
Unassigned surplus balance     $ 0
Change in statutory surplus $ 942,000,000    
Target liability change percentage 100.00%    
Regulation Number 213      
Related Party Transaction [Line Items]      
Change in statutory surplus $ (182,000,000)    
Percentage of reserves phased-in   100.00%  
Redundant reserve balance over TAR 173,000,000    
Regulation Number 213 with Seperate Accounts      
Related Party Transaction [Line Items]      
Change in statutory surplus $ 1,800,000,000    
v3.24.1.u1
EARNINGS PER COMMON SHARE - Basic and Diluted Earnings Per Share (Details) - USD ($)
$ / shares in Units, shares in Millions, $ in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Weighted-average common shares outstanding:    
Weighted-average common shares outstanding — basic (in shares) 330.2 361.9
Effect of dilutive potential common shares, employee stock awards (in shares) 2.5 2.2
Weighted average common shares outstanding - diluted (in shares) 332.7 364.1
Net income (loss):    
Net income (loss) $ 217 $ 266
Less: Net income (loss) attributable to the noncontrolling interest [1] 103 89
Net income (loss) attributable to Holdings 114 177
Less: Preferred stock dividends 14 14
Net income (loss) available to Holdings’ common shareholders, basic 100 163
Net income (loss) available to Holdings’ common shareholders, diluted $ 100 $ 163
EPS:    
Basic (in dollars per share) $ 0.30 $ 0.45
Diluted (in dollars per share) $ 0.30 $ 0.45
[1] Includes redeemable noncontrolling interest. See Note 14 of the Notes to these Consolidated Financial Statements for details of redeemable noncontrolling interest.
v3.24.1.u1
EARNINGS PER COMMON SHARE - Narrative (Details) - shares
shares in Millions
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Earnings Per Share [Abstract]    
Antidilutive securities (in shares) 3.0 2.5
v3.24.1.u1
HELD-FOR-SALE - Narrative (Details)
$ in Millions
3 Months Ended 12 Months Ended
Nov. 22, 2022
Mar. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
director
Dec. 31, 2023
USD ($)
NA JV        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Number of independent directors | director     2  
AB Holding        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Non cash valuation adjustment   $ 6   $ 7
Payment of cost to sell   7    
AB Holding | JVs        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Liability for investment   $ 304    
AB Holding | JVs        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Interest in joint venture 49.00%      
Societe Generale | JVs        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Cash payment to equalize value of investment     $ 304  
Societe Generale | JVs        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Interest in joint venture 51.00%      
Interest in joint venture expected 100.00%   100.00% 100.00%
Interest in joint venture maximum limit expected period 5 years   5 years  
Societe Generale | NA JV        
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]        
Interest in joint venture     51.00% 51.00%
Period for option to sell ownership interest in joint venture     5 years  
v3.24.1.u1
HELD-FOR-SALE - Assets and Liabilities (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Disposal Group, Including Discontinued Operation, Liabilities [Abstract]    
Total liabilities held-for-sale $ 239 $ 153
Disposal Group, Held-for-sale or Disposed of by Sale, Not Discontinued Operations | Corporate Solutions Life Reinsurance Company (CS Life)    
Disposal Group, Including Discontinued Operation, Assets [Abstract]    
Cash and cash equivalents 319 153
Broker-dealer related receivables 69 107
Trading securities, at fair value 13 17
Goodwill and other intangible assets, net 164 164
Other assets 180 124
Total assets held-for-sale 745 565
Disposal Group, Including Discontinued Operation, Liabilities [Abstract]    
Broker-dealer related payables 38 39
Customers related payables 20 17
Other liabilities 181 97
Total liabilities held-for-sale 239 153
Other real estate, valuation adjustments $ (6) $ (7)
v3.24.1.u1
SUBSEQUENT EVENTS (Details) - USD ($)
$ in Millions
3 Months Ended
Apr. 03, 2024
Mar. 31, 2024
Mar. 31, 2023
May 02, 2024
Feb. 09, 2023
Feb. 09, 2022
Subsequent Event [Line Items]            
Aggregate amount of share repurchases authorized         $ 700 $ 1,200
Shares repurchased (in shares)   4,300,000 4,500,000      
March, 2024            
Subsequent Event [Line Items]            
Aggregate amount of share repurchases authorized   $ 80        
Subsequent Event | March, 2024            
Subsequent Event [Line Items]            
Pre-payment of share repurchases $ 80          
Shares repurchased (in shares) 1,700,000          
Additional shares received (in shares)       466,923