During the fourth quarter of 2020, we completed a review of po licy reserve adequacy, which incorporated our most recent experience and included a review of all material assumptions. Based on our analysis, during the fourth quarter of 2020, we updated our interest rate and premium rate increase reserve assumptions and determined that our gross long-term care policy and claim rese rves should be increased by $151.5 million, of which $7.0 million was related to our liability for unpaid claims and claims adjustment expenses, which can be primarily attributed to prior year incurred claims, thereby impacting the results shown in the preceding chart. During the third quarter of 2018, we completed our annual review of policy reserve adequacy, which incorporated our most recent experience and included a review of all assumptions. Based on our analysis, during the third quarter of 2018, we updated our reserve assumptions and determined that our policy and claim reserves should be increased by $750.8 million of which, approximately $236 million was related to our liability for unpaid claims and claims adjustment expenses, which can be primarily attributed to prior year incurred claims, thereby impacting the results shown in the preceding chart. A reconciliation of policy and contract benefits and reserves for future policy and contract benefits as reported in our consolidated balance sheets to the liability for unpaid claims and claim adjustment expenses is as follows: The adjustment related to unrealized investment gains and losses reflects the changes that would be necessary to policyholder liabilities if the unrealized investment gains and losses related to the corresponding available-for-sale securities had been realized. Changes in this adjustment are reported as a component of other comprehensive income or loss. 173 December 31 2020 2019 2018 (in millions of dollars) Policy and Contract Benefits $ 1,855.4  $ 1,745.5  $ 1,695.7  Reserves for Future Policy and Contract Benefits 49,653.0  47,780.1  44,841.9  Total 51,508.4  49,525.6  46,537.6  Less: Life Reserves for Future Policy and Contract Benefits 8,371.7  8,435.7  8,330.9  Accident and Health Active Life Reserves 12,730.9  12,210.1  11,837.4  Adjustment Related to Unrealized Investment Gains and Losses 6,225.6  5,803.1  3,220.3  Liability for Unpaid Claims and Claim Adjustment Expenses $ 24,180.2  $ 23,076.7  $ 23,149.0  Reconciliation 2018 Long-term Care Reserve Increase 2020 Long-term Care Reserve Increase Note 6 - Liability for Unpaid Claims and Claim Adjustment Expenses NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued Unum Group and Subsidiaries