Years Ended December 31,
Years Ended December 31,
2019
2018
Increase / (Decrease)
Life, accident and health earned premiums, net
$116.8
$94.4
$22.4
Net investment income
212.9
117.1
95.8
Net realized and unrealized gains on investments
1.9
5.6
(3.7)
Net revenue
331.6
217.1
114.5
Policy benefits, changes in reserves, and commissions
234.4
197.3
37.1
Selling, general and administrative
35.7
30.4
5.3
Depreciation and amortization
(23.1)
(12.4)
(10.7)
Other operating expense
47.3
—
47.3
Income from operations (1)
$37.3
$1.8
$35.5
segment results of operations in the company ' s consolidated financial statements other operating -income expense includes -i -gain loss on sale or disposal of assets -ii lease termination costs -iii asset impairment expense -iv accretion of asset retirement obligations and -v fcc reimbursements .
each table summarizes the results of operations of our operating segments and compares the amount of the change between the periods presented -in millions .
insurance segment .
-1 the insurance segment revenues are inclusive of realized and unrealized gains and net investment income for the year ended december 31 2019 and 2018 .
such adjustments are related to transactions between entities under common control which are eliminated or are reclassified in consolidation .
life accident and health earned premiums net : life accident and health earned premiums net from our insurance segment for the year ended december 31 2019 increased $ 22 .
4 million to $ 116 .
8 million from $ 94 .
4 million for the year ended december 31 2018 .
the increase was primarily due to the premiums generated from the acquisition of kic in 2018 .
net investment income : net investment income from our insurance segment for the year ended december 31 2019 increased $ 95 .
8 million to $ 212 .
9 million from $ 117 .
1 million for the year ended december 31 2018 .
the increase was primarily due to the income generated from the assets acquired in the kic acquisition higher average invested assets as a result of the reinvestment of premiums and investment income received and to a lesser extent rotation into higher-yielding investments .
net realized and unrealized gains on investments : net realized and unrealized gains on investments from our insurance segment for the year ended december 31 2019 decreased $ 3 .
7 million to $ 1 .
9 million from $ 5 .
6 million for the year ended december 31 2018 .
the decrease was driven by smaller realized gains on bonds and common stocks higher impairments and losses on fair value changes on interest only bonds in 2019 .
the decrease was offset by overall improvement in fair value changes in equity securities and realized gains on mortgage loans in 2019 .
policy benefits changes in reserves and commissions : policy benefits changes in reserves and commissions from our insurance segment for the year ended december 31 2019 increased $ 37 .
1 million to $ 234 .
4 million from $ 197 .
3 million for the year ended december 31 2018 .
the increase was primarily driven by kic which generated policy benefits changes in reserves and commissions in the current year but was present for a shorter duration in 2018 due to the timing of the acquisition in august 2018 .
this was partially offset by current period reserve releases driven by higher mortality and policy terminations an increase in contingent non-forfeiture option activity as a result of in-force rate actions approved and implemented and favorable developments in claim incidences and termination rates and estimates of benefits on open claims .
selling general and administrative : selling general and administrative expenses from our insurance segment for the year ended december 31 2019 increased $ 5 .
3 million to $ 35 .
7 million from $ 30 .
4 million for the year ended december 31 2018 .
the increase was driven by higher headcount accounting and consulting fees associated with the acquisition of kic offset by a reduction in legal fees .
depreciation and amortization : depreciation and amortization from our insurance segment for the year ended december 31 2019 increased $ 10 .
7 million to $ 23 .
1 million from $ 12 .
4 million for the year ended december 31 2018 .
the increase was driven by the increase in negative voba amortization largely due to the kic acquisition .
amortization of negative voba reflects an increase to net income .
other operating expense : $ 47 .
3 million of other operating expense for the year ended december 31 2019 was driven by impairment of goodwill in the fourth quarter of 2019 .
the insurance segment ' s operating entity cgi had a book value at december 31 2019 of $ 503 .
6 million inclusive of $ 198 .
9 million of aoci .
the increase in 2019 was largely driven by current year net income of $ 98 .
7 million before the impact of the goodwill impairment and an increase in aoci of $ 288 .
0 million from december 31 2018 .
there were several factors that occurred in the fourth quarter of 2019 which impacted the fair value of the insurance segment primarily with respect to the future of the management fee agreement along with our expectations of future dividends after recent and ongoing discussions with our domestic regulator .
while these factors do not have a major impact on the operations of the business they do impact the ability to capture the value which is effectively trapped in the insurance company .
as a result of the factors described above our book value at cgi exceeded fair value and the company recognized a goodwill impairment charge of $ 47 .
3 million at our insurance segment .
net income of cgi after the impact of the goodwill impairment was $ 51 .
4 million for the year ended december 31 2019 .
at december 31 2019 after the impact of the goodwill impairment the book value of cgi was $ 456 .
3 million and we would expect additional book losses to the extent cgi is sold in the future .

Question: What is the average net investment income for 2018 and 2019?
Answer: 165