Property catastrophe exposure management includes purchasing reinsurance to provide coverage for known exposure to hurricanes, earthquakes, wildfires, fires following earthquakes and other catastrophes.
We are also working for changes in the regulatory environment, including recognizing the need for and improving appropriate risk based pricing and promoting the creation of government sponsored, privately funded solutions for mega-catastrophes.
While the actions that we take will be primarily focused on reducing the catastrophe exposure in our property business, we also consider their impact on our ability to market our auto lines.
Pricing of property products is typically intended to establish returns that we deem acceptable over a long-term period.
Losses, including losses from catastrophic events and weather-related losses (such as wind, hail, lightning and freeze losses not meeting our criteria to be declared a catastrophe) are accrued on an occurrence basis within the policy period.
Therefore, in any reporting period, loss experience from catastrophic events and weather-related losses may contribute to negative or positive underwriting performance relative to the expectations we incorporated into the products’ pricing.
We pursue rate increases where indicated using a newly re-designed methodology that appropriately addresses the changing costs of losses from catastrophes such as severe weather and the net cost of reinsurance.
Allstate Protection outlook ?
Allstate Protection will emphasize attracting and retaining our target customers while maintaining pricing discipline.  ?
We expect that volatility in the level of catastrophes we experience will contribute to variation in our underwriting results; however, this volatility will be mitigated due to our catastrophe management actions, including the purchase of reinsurance.  ?
We will continue to study the efficiencies of our operations and cost structure for additional areas where costs may be reduced.
Premiums written, an operating measure, is the amount of premiums charged for policies issued during a fiscal period.
Premiums earned is a GAAP measure.
Premiums are considered earned and are included in the financial results on a pro-rata basis over the policy period.
The portion of premiums written applicable to the unexpired terms of the policies is recorded as unearned premiums on our Consolidated Statements of Financial Position.
Since the Allstate brand policy periods are typically 6 months for auto and 12 months for homeowners, and the Encompass standard auto and homeowners policy periods are typically 12 months and non-standard auto policy periods are typically 6 months, rate changes will generally be recognized in premiums earned over a period of 6 to 24 months.
The following table shows the unearned premium balance as of December 31 and the timeframe in which we expect to recognize these premiums as earned.
## Table 0 ##
(1) Other personal lines include commercial, condominium, renters, involuntary auto and other personal lines
Incurred claims and claims expense represents the sum of paid losses and reserve changes in the calendar year.
This expense includes losses from catastrophes of $2.21 billion, $2.07 billion and $3.34 billion in 2010, 2009 and 2008, respectively, net of reinsurance and other recoveries (see Note 9).
In 2008, losses from catastrophes included $1.31 billion, net of recoveries, related to Hurricanes Ike and Gustav.
These estimates include net losses in personal lines auto and property policies and net losses on commercial policies.
Included in 2008 losses from catastrophes are accruals for assessments from the Texas Windstorm Insurance Association (‘‘TWIA’’) (see Note 13).
Catastrophes are an inherent risk of the property-liability insurance business that have contributed to, and will continue to contribute to, material year-to-year fluctuations in the Company’s results of operations and financial position.
The Company calculates and records a single best reserve estimate for losses from catastrophes, in conformance with generally accepted actuarial standards.
As a result, management believes that no other estimate is better than the recorded amount.
Due to the uncertainties involved, including the factors described above, the ultimate cost of losses may vary materially from recorded amounts, which are based on management’s best estimates.
Accordingly, management believes that it is not practical to develop a meaningful range for any such changes in losses incurred.
During 2010, incurred claims and claims expense related to prior years was primarily composed of net decreases in auto reserves of $179 million primarily due to claim severity development that was better than expected partially offset by a litigation settlement, net decreases in homeowners reserves of $23 million due to favorable catastrophe reserve reestimates partially offset by a litigation settlement, and net increases in other reserves of $15 million.
Incurred claims and claims expense includes favorable catastrophe loss reestimates of $163 million, net of reinsurance and other recoveries.
During 2009, incurred claims and claims expense related to prior years was primarily composed of net decreases in homeowners and auto reserves of $168 million and $57 million, respectively, partially offset by increases in other reserves of $89 million.
Incurred claims and claims expense includes favorable catastrophe loss reestimates of $169 million, net of reinsurance and other recoveries, primarily attributable to favorable reserve reestimates from Hurricanes Ike and Gustav and a catastrophe related subrogation recovery.
During 2008, incurred claims and claims expense related to prior years was primarily composed of net decreases in auto reserves of $27 million offset by increases in homeowners reserves of $124 million due to catastrophe loss reestimates, and increases in other reserves of $55 million.
The $27 million favorable decreases in auto reserves and $55 million unfavorable increases in other reserves includes $45 million of IBNR losses reclassified from auto reserves to other reserves to be consistent with the recording of excess liability policy premiums and losses.
Incurred claims and claims expense includes unfavorable catastrophe loss reestimates of $125 million, net of reinsurance and other recoveries, primarily attributable to increased claim loss and expense reserves for litigation filed in conjunction with a Louisiana deadline for filing suits related to Hurricane Katrina.
Management believes that the reserve for property-liability insurance claims and claims expense, net of reinsurance recoverables, is appropriately established in the aggregate and adequate to cover the ultimate net cost of reported and unreported claims arising from losses which had occurred by the date of the Consolidated Statements of Financial Position based on available facts, technology, laws and regulations.
For further discussion of asbestos and environmental reserves, see Note 13.8.
Reserve for Life-Contingent Contract Benefits and Contractholder Funds As of December 31, the reserve for life-contingent contract benefits consists of the following:
## Table 1 ##
VISA INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) September 30, 2008 (in millions, except as noted) Trademark and Technology Licenses Visa Inc. , Visa U. S. A. , Visa International and Inovant, as licensors, granted to Visa Europe exclusive, irrevocable and perpetual licenses to use the Visa trademarks and technology intellectual property owned by the licensors and certain affiliates within the Visa Europe region for use in the field of financial services, payments, related information technology and information processing services and participation in the Visa system.
Visa Europe may sublicense the Visa trademarks and technology intellectual property to its members and other sublicensees, such as processors, for use within Visa Europe’s region and, in certain limited circumstances, outside the Visa Europe region.
The fee payable for these irrevocable and perpetual licenses is approximately $143 million per year, payable quarterly, which is referred to as the quarterly base fee, except for the year ended September 30, 2008 during which the fee payable was $41 million.
The reduced payment for 2008 was calculated based on applying the three-month LIBOR rate plus 100 to 200 basis points to $1.146 billion and certain results of the IPO.
Beginning November 9, 2010 the quarterly base fee will be increased annually based on the annual growth of the gross domestic product of the European Union.
The Company determined through an analysis of the fee rates implied by the economics of the agreement that the quarterly base fee, as adjusted in future periods based on the growth of the gross domestic product of the European Union, approximates fair value.
As a result of the approximately $102 million reduction in payment for the year ended September 30, 2008, the trademark and technology license agreement represents a contract that is below fair value.
Calculation of Liability under the Framework Agreement At October 1, 2007, the Company recorded a liability of approximately $132 million to reflect the Company’s estimated obligation to provide these licenses at below fair value.
The application of the LIBOR rate in determining the reduced payment represents a variable interest element embedded within the framework agreement, which the Company has treated as an embedded derivative with changes in fair value reflected in Visa Inc. ’s consolidated statement of operations under the guidelines of SFAS 133.
During the year ended September 30, 2008, the Company made adjustments to its liability under the framework agreement as follows:
## Table 2 ##
(1) The Company made adjustments to the calculation of its liability of: (i) $2 million to reflect a minor adjustment to the calculation methodology; (ii) $5 million to update the liability to reflect actual IPO assumptions and (iii) $2 million to reflect the change of redemption date.

<table><tr><td> ($ in millions) </td><td> </td><td> </td><td colspan="4"> % earned after</td></tr><tr><td> </td><td> 2010</td><td> 2009</td><td>90 days</td><td>180 days</td><td>270 days</td><td> 360 days</td></tr><tr><td> Allstate brand:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Standard auto</td><td>$4,103</td><td>$4,060</td><td>72.8%</td><td>97.7%</td><td>99.4%</td><td>100.0%</td></tr><tr><td>Non-standard auto</td><td>239</td><td>250</td><td>69.5%</td><td>95.4%</td><td>99.0%</td><td>100.0%</td></tr><tr><td>Homeowners</td><td>3,259</td><td>3,193</td><td>43.5%</td><td>75.6%</td><td>94.2%</td><td>100.0%</td></tr><tr><td>Other personal lines<sup>-1</sup></td><td>1,276</td><td>1,295</td><td>40.0%</td><td>69.7%</td><td>87.9%</td><td>94.8%</td></tr><tr><td> Total Allstate brand</td><td>8,877</td><td>8,798</td><td>57.3%</td><td>85.6%</td><td>95.9%</td><td>99.2%</td></tr><tr><td> Encompass brand:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Standard auto</td><td>327</td><td>399</td><td>44.0%</td><td>75.7%</td><td>94.2%</td><td>100.0%</td></tr><tr><td>Non-standard auto</td><td>1</td><td>4</td><td>75.9%</td><td>100.0%</td><td>100.0%</td><td>100.0%</td></tr><tr><td>Homeowners</td><td>206</td><td>233</td><td>44.0%</td><td>76.0%</td><td>94.3%</td><td>100.0%</td></tr><tr><td>Other personal lines<sup>-1</sup></td><td>47</td><td>52</td><td>43.8%</td><td>75.7%</td><td>94.3%</td><td>100.0%</td></tr><tr><td> Total Encompass brand</td><td>581</td><td>688</td><td>44.1%</td><td>75.8%</td><td>94.2%</td><td>100.0%</td></tr><tr><td> Allstate Protection unearned premiums</td><td>$9,458</td><td>$9,486</td><td>56.5%</td><td>85.0%</td><td>95.8%</td><td>99.3%</td></tr></table>
<table><tr><td> ($ in millions) </td><td> 2010</td><td> 2009</td></tr><tr><td>Immediate fixed annuities:</td><td></td><td></td></tr><tr><td>Structured settlement annuities</td><td>$6,522</td><td>$6,406</td></tr><tr><td>Other immediate fixed annuities</td><td>2,215</td><td>2,048</td></tr><tr><td>Traditional life insurance</td><td>2,938</td><td>2,850</td></tr><tr><td>Accident and health insurance</td><td>1,720</td><td>1,514</td></tr><tr><td>Other</td><td>87</td><td>92</td></tr><tr><td>Total reserve for life-contingent contract benefits</td><td>$13,482</td><td>$12,910</td></tr></table>
<table><tr><td></td><td>Fiscal 2008 (in millions)</td></tr><tr><td>Balance at October 1</td><td>$132</td></tr><tr><td>Adjustments impacting Goodwill<sup>-1</sup></td><td>9</td></tr><tr><td>LIBOR rate adjustments<sup>-2</sup></td><td>-35</td></tr><tr><td>License fees earned<sup>-3</sup></td><td>-102</td></tr><tr><td>Balance at September 30<sup>-4</sup></td><td>$4</td></tr></table>

Question: What is the sum of Standard auto for Allstate brand in 2010 and Structured settlement annuities for Immediate fixed annuities in 2009? (in million)
Answer: 10509