Assurant, Inc.  and Subsidiaries Notes to Consolidated Financial Statements—(Continued) December 31, 2005, 2004 and 2003 (In thousands except number of shares and per share amounts) As of December 31, 2005, the majority of the outstanding balance of VOBA is in the Company’s PreNeed segment.
VOBA in the PreNeed segment assumes an interest rate ranging from 6.5% to 7.5%.
At December 31, 2005 the estimated amortization of VOBA for the next five years is as follows:
## Table 0 ##
11.
Reserves The following table provides reserve information by the Company’s major lines of business at the dates shown:
## Table 1 ##
The following table provides a roll forward of the claims and benefits payable for the Company’s group term life, group disability, medical and property and warranty lines of business.
These are the Company’s product lines with the most significant short duration claims and benefits payable balances.
Medical also includes business classified as long duration because the methodology used for setting claims and benefits payable is similar to that for short duration Medical.
The majority of the Company’s credit life and disability claims and benefits payable are ceded to reinsurers.
The Company’s net retained credit life and disability claims and benefits payable were $115,873 and $121,122 at December 31, 2005 and 2004, respectively
Segment Income (Loss) Before Income Tax by Business Segment
## Table 2 ##
The amount of our total revenues, segment income before and after income tax and total assets by segment and the amount of our revenues and long-lived assets by geographic region is set forth in Note 21 to our consolidated financial statements.
On June 21, 2005, we announced our intention to separate Assurant Solutions into two segments: Assurant Solutions and Assurant Specialty Property.
We will begin reporting separate segment financial information sometime in 2006 upon completion of the separation of the underlying product lines.
The majority of Assurant Solutions’ existing Specialty Property division will become the Assurant Specialty Property segment.
The majority of Assurant Solutions’ existing Consumer Protection division combined with the existing Assurant PreNeed segment will become the new Assurant Solutions segment.
Since these segment changes will not be made until some time in 2006, all discussions in this Form 10-K refer to the existing Assurant Solutions segment and its two divisions, Specialty Property and Consumer Protection.
On November 9, 2005, we signed an agreement with Forethought Life Insurance Company (“Forethought”) whereby we will discontinue writing new preneed insurance policies in the United States via independent funeral homes and non-SCI corporate funeral home chains for a period of 10 years.
This agreement does not impact Assurant PreNeed’s Independent—Canada or AMLIC’s relationship with SCI.
In addition, concurrent with the creation of the new Assurant Solutions and Assurant Specialty Property segments, we will realign the Assurant PreNeed segment under the new Assurant Solutions segment.
Assurant Solutions Assurant Solutions, which includes American Security Group operations acquired in 1980 and American Bankers Insurance Group acquired in 1999, has leadership positions or is aligned with clients who are leaders in creditor placed homeowners insurance, manufactured housing homeowners, credit related insurance products, debt protection administration and warranty and extended service contracts.
We develop, underwrite and market our specialty insurance products and services through collaborative relationships with our clients.
Assurant Solutions is organized into two divisions: Specialty Property and Consumer Protection.
The Specialty Property division focuses on creditor placed homeowners and manufactured housing homeowners insurance products and related services, as well as other insurance related products such as renters’ insurance, watercraft and motorcycle property coverages.
In our Consumer Protection division, we are a low-cost provider of credit and debt protection administration services.
In addition, we offer a variety of warranties and extended service contracts on consumer electronics, cellular phones, personal computers, appliances and vehicles through clients domestically and internationally.
Assurant Solutions maintains a comprehensive client and transaction database, which we believe gives us a competitive advantage with respect to pricing, marketing and projected claims development.
Additionally, our high level of integration with clients allows us to have current and accurate data on the performance of their underwriting, claims, fees earned and commissions.
We leverage the data advantage with clients to determine their optimal pricing and marketing strategy.
Our principal business lines within our Assurant Solutions segment have experienced growth in varying degrees.
We have benefited from growth in the creditor placed homeowners insurance market and from the acquisition of new clients.
We also experienced growth in our warranty and extended service contract and
PART II ITEM 5.
MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES Vornado’s common shares are traded on the New York Stock Exchange under the symbol “VNO.
” Quarterly high and low sales prices of the common shares and dividends paid per share for the years ended December 31, 2011 and 2010 were as follows:
## Table 3 ##
As of February 1, 2012, there were 1,230 holders of record of our common shares.
Recent Sales of Unregistered Securities During the fourth quarter of 2011, we issued 20,891 common shares upon the redemption of Class A units of the Operating Partnership held by persons who received units, in private placements in earlier periods, in exchange for their interests in limited partnerships that owned real estate.
The common shares were issued without registration under the Securities Act of 1933 in reliance on Section 4 (2) of that Act.
Information relating to compensation plans under which our equity securities are authorized for issuance is set forth under Part III, Item 12 of this Annual Report on Form 10-K and such information is incorporated by reference herein.
Recent Purchases of Equity Securities In December 2011, we received 410,783 Vornado Common shares at an average price of $76.36 per share as payment for the exercise of certain employee options.

<table><tr><td> Year</td><td> Amount </td></tr><tr><td>2006</td><td>$17,381</td></tr><tr><td>2007</td><td>15,757</td></tr><tr><td>2008</td><td>14,151</td></tr><tr><td>2009</td><td>12,704</td></tr><tr><td>2010</td><td>11,654</td></tr></table>
<table><tr><td></td><td colspan="3"> December 31, 2005 </td><td colspan="3"> December 31, 2004 </td></tr><tr><td></td><td> Future Policy Benefits and Expenses </td><td> Unearned Premiums </td><td> Claims and Benefits Payable </td><td> Future Policy Benefits and Expenses </td><td> Unearned Premiums </td><td> Claims and Benefits Payable </td></tr><tr><td> Long Duration Contracts:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Pre-funded funeral life insurance policies and investment-type annuity contracts</td><td>$2,902,918</td><td>$3,616</td><td>$14,919</td><td>$2,683,950</td><td>$3,482</td><td>$13,826</td></tr><tr><td>Life insurance no longer offered</td><td>513,426</td><td>820</td><td>2,129</td><td>524,612</td><td>879</td><td>2,082</td></tr><tr><td>Universal life and other products no longer offered</td><td>346,928</td><td>1,699</td><td>7,467</td><td>362,866</td><td>136</td><td>8,453</td></tr><tr><td>FFG and LTC disposed businesses</td><td>2,724,575</td><td>46,956</td><td>233,554</td><td>2,693,775</td><td>47,575</td><td>216,322</td></tr><tr><td>Medical</td><td>172,441</td><td>31,650</td><td>96,792</td><td>184,967</td><td>52,609</td><td>122,707</td></tr><tr><td>All other</td><td>4,566</td><td>608</td><td>16,472</td><td>5,543</td><td>43</td><td>10,459</td></tr><tr><td> Short Duration Contracts:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Group term life</td><td>—</td><td>6,207</td><td>389,994</td><td>—</td><td>9,579</td><td>393,051</td></tr><tr><td>Group disability</td><td>—</td><td>2,110</td><td>1,498,916</td><td>—</td><td>3,826</td><td>1,436,369</td></tr><tr><td>Medical</td><td>—</td><td>89,776</td><td>324,106</td><td>—</td><td>99,849</td><td>353,538</td></tr><tr><td>Dental</td><td>—</td><td>4,226</td><td>27,964</td><td>—</td><td>5,900</td><td>35,312</td></tr><tr><td>Property and Warranty</td><td>—</td><td>1,261,145</td><td>947,018</td><td>—</td><td>1,105,214</td><td>686,494</td></tr><tr><td>Credit Life and Disability</td><td>—</td><td>571,723</td><td>275,243</td><td>—</td><td>656,287</td><td>339,619</td></tr><tr><td>Extended Service Contract</td><td>—</td><td>1,784,292</td><td>34,626</td><td>—</td><td>1,346,515</td><td>38,000</td></tr><tr><td>Other</td><td>—</td><td>46,786</td><td>6,023</td><td>—</td><td>22,405</td><td>5,472</td></tr><tr><td> Total</td><td>$6,664,854</td><td>$3,851,614</td><td>$3,875,223</td><td>$6,455,713</td><td>$3,354,299</td><td>$3,661,704</td></tr></table>
<table><tr><td></td><td colspan="2">For the Year Ended December 31, 2005</td><td colspan="2">For the Year Ended December 31, 2004</td></tr><tr><td></td><td>$ (in thousands)</td><td>Percentage of Total</td><td>$ (in thousands)</td><td>Percentage of Total</td></tr><tr><td>Assurant Solutions</td><td>$364,398</td><td>56%</td><td>$183,477</td><td>34%</td></tr><tr><td>Assurant Health</td><td>270,842</td><td>41</td><td>240,218</td><td>45</td></tr><tr><td>Assurant Employee Benefits</td><td>105,564</td><td>16</td><td>95,864</td><td>18</td></tr><tr><td>Assurant PreNeed</td><td>54,091</td><td>8</td><td>51,424</td><td>10</td></tr><tr><td>Corporate and Other</td><td>-139,287</td><td>-21</td><td>-35,055</td><td>-7</td></tr><tr><td>Total Business Segments</td><td>$655,608</td><td>100%</td><td>$535,928</td><td>100%</td></tr></table>
<table><tr><td></td><td>Year Ended  December 31, 2011</td><td>Year Ended  December 31, 2010</td></tr><tr><td>Quarter</td><td>High</td><td>Low</td><td>Dividends</td><td>High</td><td>Low</td><td>Dividends</td></tr><tr><td>1st</td><td>$93.53</td><td>$82.12</td><td>$0.69</td><td>$78.40</td><td>$61.25</td><td>$0.65</td></tr><tr><td>2nd</td><td>98.42</td><td>86.85</td><td>0.69</td><td>86.79</td><td>70.06</td><td>0.65</td></tr><tr><td>3rd</td><td>98.77</td><td>72.85</td><td>0.69</td><td>89.06</td><td>68.59</td><td>0.65</td></tr><tr><td>4th</td><td>84.30</td><td>68.39</td><td>0.69</td><td>91.67</td><td>78.06</td><td>0.65</td></tr></table>

Question: Which year is the Unearned Premiums for Total on December 31 the most?
Answer: 2005