7.
Reinsurance Generally, the Company reinsures 90% of the death benefit liability related to almost all individual fixed and variable universal life and term life insurance products.
As a result, the Company typically retains and is at risk for, at most, 10% of each policy’s death benefit from the first dollar of coverage for new sales of these policies, subject to the reinsurers fulfilling their obligations.
The Company began reinsuring risks at this level during 2001 (2002 for RiverSource Life of NY) for term life insurance and 2002 (2003 for RiverSource Life of NY) for individual fixed and variable universal life insurance.
Policies issued prior to these dates are not subject to these same reinsurance levels.
Generally, the maximum amount of life insurance risk retained by the Company is $1.5 million on a single life and $1.5 million on any flexible premium survivorship life policy.
Risk on fixed and variable universal life policies is reinsured on a yearly renewable term basis.
Risk on most term life policies starting in 2001 (2002 for RiverSource Life of NY) is reinsured on a coinsurance basis, a type of reinsurance in which the reinsurer participates proportionally in all material risks and premiums associated with a policy.
For existing LTC policies, the Company ceded 50% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc.  (‘‘Genworth’’) and retained the remaining risk.
For RiverSource Life of NY, this reinsurance arrangement applies for 1996 and later issues only.
Generally, the Company retains at most $5,000 per month of risk per life on DI policies sold on policy forms introduced in most states in October 2007 (August 2010 for RiverSource Life of NY) and reinsures the remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies.
The Company retains all risk for new claims on DI contracts sold on other policy forms.
The Company also retains all risk on accidental death benefit claims and substantially all risk associated with waiver of premium provisions.
At December 31, 2012 and 2011, traditional life and UL insurance in force aggregated $191.4 billion and $191.2 billion, respectively, of which $138.6 billion and $136.2 billion were reinsured at the respective year ends.
Life insurance in force is reported on a statutory basis.
The Company also reinsures a portion of the risks associated with its personal auto, home and umbrella insurance products through three types of reinsurance agreements with unaffiliated reinsurance companies.
The Company purchases reinsurance with a limit of $5 million per loss and the Company retains $750,000 per loss.
The Company purchases catastrophe reinsurance that, for 2012, had a limit of $110 million per event and the Company retained $20 million per event.
For 2013, the Company’s catastrophe reinsurance has a limit of $125 million per event and we retain $20 million per event.
The Company also cedes 90% of every personal umbrella loss with a limit of $5 million.
The effect of reinsurance on premiums was as follows:
## Table 0 ##
Cost of insurance and administrative charges on UL and VUL insurance are reflected in other revenues and were net of reinsurance ceded of $84 million, $71 million and $67 million for the years ended December 31, 2012, 2011 and 2010, respectively.
Reinsurance recovered from reinsurers was $201 million, $201 million and $172 million for the years ended December 31, 2012, 2011 and 2010, respectively.
Reinsurance contracts do not relieve the Company from its primary obligation to policyholders.
Receivables included $2.1 billion and $2.0 billion of reinsurance recoverables as of December 31, 2012 and 2011, respectively, including $1.6 billion and $1.5 billion recoverable from Genworth, respectively.
Included in future policy benefits and claims were $615 million and $629 million related to assumed reinsurance arrangements as of December 31, 2012 and 2011, respectively.8.
Goodwill and Other Intangible Assets Goodwill and intangible assets deemed to have indefinite lives are not amortized but are instead subject to impairment tests.
For the years ended December 31, 2012, 2011 and 2010, the tests did not indicate impairment.
shares may be issued.
Awards granted under the Advisor Group Deferral Plan may be settled in cash and/or shares of the Company’s common stock according to the award’s terms.
As of December 31, 2012, there were approximately 0.3 million units outstanding under the Advisor Group Deferral Plan, of which nil were fully vested.
Threadneedle Equity Incentive Plan On an annual basis, certain key Threadneedle employees are eligible for awards under an equity incentive plan (‘‘EIP’’) based on a formula tied to Threadneedle’s financial performance.
Awards under the EIP were first made in April 2009; prior awards were made under the equity participation plan (‘‘EPP’’).
In 2011, Threadneedle’s articles of incorporation were amended to create a new class of Threadneedle corporate units to be granted under a modified EIP plan.
Employees who held EIP units granted prior to 2011 were given the choice to exchange their existing units at the exchange date.
EIP awards may be settled in cash or Threadneedle corporate units according to the award’s terms.
For awards granted prior to 2011, the EIP provides for 100% vesting after three years, with a mandatory call after six years.
For converted units and awards granted after February 2011, the EIP provides for 100% vesting after two and a half years, with no mandatory call date.
Converted units and units granted after February 2011 have dividend rights once fully vested.
The EPP provides for 50% vesting after three years and 50% vesting after four years, with required cash-out after five years.
EIP and EPP awards are subject to forfeitures based on future service requirements.
The value of the awards is recognized as compensation expense evenly over the vesting periods.
Generally, the expense is based on the grant date fair value of the awards as determined by an annual independent valuation of Threadneedle’s fair market value; however, for awards accounted for as a liability the expense is adjusted to reflect Threadneedle’s current calculated value (the change in the value of the awards is recognized immediately for vested awards and over the remaining vesting period for unvested awards).
During the years ended December 31, 2012, 2011 and 2010, cash settlements of EPP and EIP awards were $31 million, $14 million and $18 million, respectively.17.
Shareholders’ Equity The Company retrospectively adopted a new accounting standard for DAC in the first quarter of 2012.
See Note 1 for the effect of the change on affected financial statement line items for prior periods retrospectively adjusted.
The following table presents the components of accumulated other comprehensive income, net of tax (subsequent to the adjustment for the new accounting standard):
## Table 1 ##
See Note 5, Note 15 and Note 21 for additional disclosures related to net unrealized securities gains, net unrealized derivatives losses and net unrealized actuarial losses on defined benefit plans, respectively.
In May 2010, the Company’s Board of Directors authorized the expenditure of up to $1.5 billion for the repurchase of the Company’s common stock through the date of its 2012 annual meeting.
In June 2011, the Company’s Board of Directors authorized an expenditure of up to an additional $2.0 billion for the repurchase of the Company’s common stock through June 28, 2013.
In October 2012, the Company’s Board of Directors authorized an expenditure of up to an additional $2.0 billion for the repurchase of the Company’s common stock through 2014.
For the years ended December 31, 2012, 2011 and 2010, the Company repurchased a total of 24.6 million shares, 27.9 million shares and 13.1 million shares, respectively, of its common stock for an aggregate cost of $1.3 billion, $1.5 billion and $573 million, respectively.
As of December 31, 2012, the Company had $2.1 billion remaining under the share repurchase authorization.
The Company may also reacquire shares of its common stock under its share-based compensation plans related to restricted stock awards.
Restricted shares that are forfeited before the vesting period has lapsed are recorded as treasury shares.
In addition, the holders of restricted shares may elect to surrender a portion of their shares on the vesting date to cover their income tax obligations.
These vested restricted shares reacquired by the Company and the Company’s payment of the holders’ income tax obligations are recorded as a treasury share purchase.
For the years ended December 31, 2012, 2011 and 2010, the restricted shares forfeited under the Company’s share based compensation plans and
Item 6.
Selected Financial Data The following table sets forth selected consolidated financial information derived from our audited Consolidated Financial Statements as of December 31, 2012, 2011, 2010, 2009 and 2008 and for the five-year period ended December 31, 2012.
Prior year amounts have been recast for the retrospective adoption of new accounting rules on deferred acquisition costs.
In addition, certain reclassifications of prior year amounts have been made to conform to the current presentation.
On April 30, 2010, we acquired the long-term asset management business of Columbia Management Group.
Results presented below include the results of this business after the date of acquisition.
The selected financial data presented below should be read in conjunction with our Consolidated Financial Statements and Notes included elsewhere in this report and ‘‘Management’s Discussion and Analysis of Financial Condition and Results of Operations.
’’
## Table 2 ##
Earnings (Loss) Per Share Attributable to Ameriprise Financial, Inc.  Common Shareholders:
## Table 3 ##
December 31,
(1) Represents amounts before consolidated investment entities, as reported on our Consolidated Balance Sheets.
Overall Income from continuing operations before income tax provision decreased $209 million, or 14%, compared to the prior year primarily reflecting the market impact on variable annuity guaranteed living benefits (net of hedges and the related DSIC and DAC amortization) and the negative impact of the continued low interest rate environment, partially offset by the impact of market appreciation.
The prior year results included $40 million of additional investment income recognition (net of DAC and DSIC amortization) and a $27 million gain from an interest rate hedge.
The market impact on variable annuity guaranteed living benefits (net of hedges and the related DSIC and DAC amortization) was a decrease to pretax earnings of $265 million for the year ended December 31, 2012, which included a $14 million negative impact associated with unlocking and model changes.
This compares to a decrease of $62 million for the prior year, which included a $4 million negative impact associated with unlocking and model changes.
The negative impact of the continued low interest rate environment was approximately $90 million pretax for the year ended December 31, 2012 compared to the prior year.
The market impact on DAC and DSIC was a benefit of $31 million for the year ended December 31, 2012 compared to an expense of $11 million for the prior year.
The following table presents the total pretax impacts on our revenues and expenses attributable to unlocking and model changes for the years ended December 31:
## Table 4 ##
(1) Includes $14 million and $4 million of expense related to the market impact on variable annuity guaranteed living benefits for the years ended December 31, 2012 and 2011, respectively.
The impact of unlocking and model changes for 2012 included a $41 million benefit, net of DAC and DSIC amortization, from an adjustment to the model which values the reserves related to living benefit guarantees primarily attributable to prior periods.
Net Revenues Net revenues increased $25 million compared to the prior year due to higher management and financial advice fees and distribution fees, partially offset by lower net investment income and other revenues.
Management and financial advice fees increased $155 million, or 3%, compared to the prior year primarily due to higher asset-based fees driven by an increase in average AUM.
Average AUM increased $15.1 billion, or 3%, compared to the prior year primarily due to market appreciation and wrap account net inflows, partially offset by asset management net outflows.
See our discussion on the changes in AUM in our segment results of operations section below.
Distribution fees increased $43 million, or 3%, compared to the prior year due to higher asset-based fees driven by an increase in average AUM.
Net investment income decreased $113 million, or 6%, compared to the prior year reflecting a $149 million decrease in investment income on fixed maturity securities, partially offset by a $19 million increase in net investment income of CIEs.
The decrease in investment income on fixed maturity securities was primarily due to continued low interest rates and $43 million of additional bond discount accretion investment income in 2011 related to prior periods resulting from revisions to the accounting classification of certain structured securities.
Other revenues decreased $68 million, or 8%, compared to the prior year due to a $41 million unfavorable impact from unlocking in 2012 compared to a $20 million unfavorable impact in 2011 and a $91 million decrease in other revenues of CIEs, partially offset by higher fees from variable annuity guarantees driven by higher volumes, as well as higher fee rates.
In addition, other revenues in 2011 included a $27 million gain on an interest rate hedge put in place in anticipation of issuing debt that was reclassified from accumulated other comprehensive income into earnings.
The primary driver of the unlocking impact to other revenues in both periods was lower projected gains on reinsurance contracts resulting from favorable mortality experience.
Expenses Total expenses increased $234 million, or 3%, compared to the prior year primarily due to an increase in benefits, claims, losses and settlement expenses and distribution expenses, partially offset by a decrease in DAC amortization.
Liquidity and Capital Resources The following table summarizes liquidity data as of the dates indicated (in thousands):

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="3">Years Ended December 31,</td></tr><tr><td></td><td>2012</td><td>2011</td><td>2010</td></tr><tr><td></td><td colspan="3">(in millions)</td></tr><tr><td>Direct premiums</td><td>$1,445</td><td>$1,421</td><td>$1,382</td></tr><tr><td>Reinsurance ceded</td><td>-222</td><td>-201</td><td>-203</td></tr><tr><td>Net premiums</td><td>$1,223</td><td>$1,220</td><td>$1,179</td></tr></table>
<table><tr><td></td><td colspan="2">December 31,</td></tr><tr><td></td><td>2012</td><td>2011</td></tr><tr><td></td><td colspan="2">(in millions)</td></tr><tr><td>Net unrealized securities gains</td><td>$1,312</td><td>$883</td></tr><tr><td>Net unrealized derivatives losses</td><td>-2</td><td>-11</td></tr><tr><td>Foreign currency translation</td><td>-25</td><td>-46</td></tr><tr><td>Defined benefit plans</td><td>-91</td><td>-75</td></tr><tr><td>Total</td><td>$1,194</td><td>$751</td></tr></table>
<table><tr><td> </td><td colspan="5">Years Ended December 31,</td></tr><tr><td> </td><td>2012</td><td>2011</td><td>2010</td><td> 2009</td><td>2008</td></tr><tr><td> </td><td colspan="5">(in millions, except per share data)</td></tr><tr><td> Income Statement Data:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total net revenues</td><td>$10,217</td><td>$10,192</td><td>$9,512</td><td>$7,397</td><td>$6,433</td></tr><tr><td>Total expenses</td><td>8,979</td><td>8,745</td><td>8,043</td><td>6,613</td><td>6,757</td></tr><tr><td>Income (loss) from continuing operations</td><td>$903</td><td>$1,070</td><td>$1,176</td><td>$648</td><td>$-22</td></tr><tr><td>Income (loss) from discontinued operations, net of tax</td><td>-2</td><td>-60</td><td>-24</td><td>1</td><td>10</td></tr><tr><td>Net income (loss)</td><td>901</td><td>1,010</td><td>1,152</td><td>649</td><td>-12</td></tr><tr><td>Less: Net income (loss) attributable to noncontrolling interests</td><td>-128</td><td>-106</td><td>163</td><td>15</td><td>-54</td></tr><tr><td>Net income attributable to Ameriprise Financial</td><td>$1,029</td><td>$1,116</td><td>$989</td><td>$634</td><td>$42</td></tr><tr><td> Earnings (Loss) Per Share Attributable to Ameriprise Financial, Inc. Common Shareholders:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td> Basic</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Income from continuing operations</td><td>$4.71</td><td>$4.87</td><td>$3.94</td><td>$2.61</td><td>$0.14</td></tr><tr><td>Income (loss) from discontinuedoperations</td><td>-0.01</td><td>-0.25</td><td>-0.10</td><td>—</td><td>0.05</td></tr><tr><td>Net income</td><td>$4.70</td><td>$4.62</td><td>$3.84</td><td>$2.61</td><td>$0.19</td></tr><tr><td> Diluted</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Income from continuing operations</td><td>$4.63</td><td>$4.77</td><td>$3.86</td><td>$2.59</td><td>$0.14</td></tr><tr><td>Income (loss) from discontinuedoperations</td><td>-0.01</td><td>-0.24</td><td>-0.09</td><td>—</td><td>0.05</td></tr><tr><td>Net income</td><td>$4.62</td><td>$4.53</td><td>$3.77</td><td>$2.59</td><td>$0.19</td></tr><tr><td> Cash Dividends Declared Per Common Share</td><td>$1.15</td><td>$1.15</td><td>$0.71</td><td>$0.68</td><td>$0.64</td></tr></table>
<table><tr><td> </td><td colspan="5"> December 31,</td></tr><tr><td> </td><td> 2012</td><td> 2011</td><td> 2010</td><td> 2009</td><td> 2008</td></tr><tr><td> </td><td colspan="5"> (in millions) </td></tr><tr><td> Balance Sheet Data:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Investments-1</td><td>$36,877</td><td>$39,953</td><td>$37,653</td><td>$37,214</td><td>$27,963</td></tr><tr><td>Separate account assets</td><td>72,397</td><td>66,780</td><td>68,330</td><td>58,129</td><td>44,746</td></tr><tr><td>Total assets</td><td>134,729</td><td>132,307</td><td>129,523</td><td>112,528</td><td>94,298</td></tr><tr><td>Future policy benefits and claims</td><td>31,217</td><td>31,710</td><td>30,195</td><td>30,900</td><td>29,308</td></tr><tr><td>Separate account liabilities</td><td>72,397</td><td>66,780</td><td>68,330</td><td>58,129</td><td>44,746</td></tr><tr><td>Customer deposits</td><td>6,526</td><td>9,850</td><td>8,779</td><td>8,554</td><td>8,229</td></tr><tr><td>Long-term debt-1</td><td>2,403</td><td>2,393</td><td>2,317</td><td>1,868</td><td>1,963</td></tr><tr><td>Short-term borrowings</td><td>501</td><td>504</td><td>397</td><td>—</td><td>—</td></tr><tr><td>Total liabilities</td><td>125,017</td><td>122,613</td><td>119,573</td><td>103,928</td><td>89,144</td></tr><tr><td>Total Ameriprise Financial, Inc. shareholders' equity</td><td>9,092</td><td>8,988</td><td>9,390</td><td>7,997</td><td>4,865</td></tr><tr><td>Noncontrolling interests' equity</td><td>620</td><td>706</td><td>560</td><td>603</td><td>289</td></tr></table>
<table><tr><td> Pretax Increase (Decrease)</td><td>2012</td><td>2011</td></tr><tr><td> </td><td colspan="2">(in millions)</td></tr><tr><td>Other revenues</td><td>$-41</td><td>$-20</td></tr><tr><td>Benefits, claims, losses and settlement expenses</td><td>-28</td><td>-40</td></tr><tr><td>Amortization of DAC</td><td>23</td><td>38</td></tr><tr><td>Interest credited to fixed accounts</td><td>2</td><td>—</td></tr><tr><td>Total expenses</td><td>-3</td><td>-2</td></tr><tr><td>Total-1</td><td>$-38</td><td>$-18</td></tr></table>

Question: What's the average of Investments-1 and Separate account assets and Total assets in 2012? (in million)
Answer: 81334.3
Reasoning program: add(36877,72397), add(#0,134729), divide(#1,3)