178 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS OF AEGON N.V.  NOTE 19 NOTE 19 INSURANCE CONTRACTS 2010 2009 Life insurance 91,457 85,520 Non-life insurance - Unearned premiums and unexpired risks 3,209 2,890 - Outstanding claims 1,763 1,604 - Incurred but not reported claims 702 721 Incoming reinsurance 3,375 3,055 AT DECEMBER 31 100,506 93,790 2010 2009 Non-life insurance: - Accident and health insurance 4,967 4,478 - General insurance 707 737 TOTAL NON-LIFE INSURANCE 5,674 5,215 Movements during the year in life insurance: 2010 2009 At January 1 85,520 89,163 Disposal of a business  (984)  (3,619) Portfolio transfers and acquisitions 66 228 Gross premium and deposits – existing and new business 6,850 10,298 Unwind of discount / interest credited 4,020 3,898 Insurance liabilities released  (10,020)  (10,507) Changes in valuation of expected future benefi ts 468  (1,334) Losses recognized as a result of liability adequacy testing  7 6 Shadow accounting adjustments 133  (165) Net exchange differences  4,829  (905) Transfer to insurance contracts for account of policyholders 6 (1,156) Other 562 (387) AT DECEMBER 31 91,457 85,520