The following are our current assumptions regarding the length of our amortization periods, the approximate DAC balance that remains at the end of years 3, 10, and 15 as a percentage of the cost initially deferred, and our DAC balances as of December 31, 2019 and 2018. Certain prior year amounts were reclassified to conform to current year presentation. Amortization of DAC is adjusted to reflect actual experience for assumptions which deviate compared to the anticipated experience. Any deviations from projections may result in a change to the rate of amortization in the period such events occur. As an example, for our non-interest sensitive products, we may experience accelerated amortization if policies terminate earlier than projected, or we may experience a slower rate of amortization if policies persist longer than projected. Our actual experience has not varied materially from our assumptions during the last three years. See Note 1 of the "Notes to Consolidated Financial Statements" contained herein in Item 8 for further discussion of our DAC accounting policy. All of our fixed maturity securities, which are classified as available-for-sale, and all of our unrestricted equity securities are reported at fair value. Our derivative financial instruments, including certain derivative instruments embedded in other contracts, are reported as either assets or liabilities and measured at fair value. We report our investments in private equity partnerships at our share of the partnerships' net asset value per share or its equivalent (NAV), as a practical expedient for fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date and therefore represents an exit price, not an entry price. The exit price objective applies regardless of our intent and/or ability to sell the asset or transfer the liability at the measurement date. We generally use valuation techniques consistent with the market approach, and to a lesser extent, the income approach. The market approach 46 Fair Value of Investments Balance Remaining as a % DAC Balances Amortization of Initial Deferral at December 31 Period Year 3 Year 10 Year 15 2019 2018 (in millions of dollars) Unum US Group Disability 6  27%  0%  0%  $ 99.1  $ 100.3  Group Life and Accidental Death & Dismemberment 6  26%  0%  0%  79.7  80.0  Supplemental and Voluntary: Individual Disability 20  70%  45%  21%  426.1  430.8  Voluntary Benefits 20  54%  19%  7%  604.7  619.7  Dental and Vision 4  29%  0%  0%  13.4  8.6  Unum International Unum UK Group Long-term Disability 3  0%  0%  0%  2.7  2.4  Group Life 3  0%  0%  0%  1.4  1.1  Supplemental 20  58%  12%  2%  15.3  15.2  Unum Poland 30 74%  48%  35%  7.0  1.3  Colonial Life Accident, Sickness, and Disability 15  44%  11%  0%  553.4  530.1  Life 25  57%  24%  10%  283.6  293.9  Cancer and Critical Illness 19  61%  24%  10%  237.6  226.0  Totals $ 2,324.0  $ 2,309.4 