COMMITMENTS AND CONTINGENCIES The Company leases office space and equipment under operating lease arrangements. Certain facility leases contain escalation clauses based on increases in the lessors' operating expenses. At December 31, 2015, the aggregate future minimum lease payments under these operating lease agreements that have initial or non-cancelable terms in excess of one year are: 2016 $ 5,816 2017 5,301 2018 4,736 2019 4,117 2020 3,579 Thereafter 56,448 Total minimum future lease payments (a) $ 79,997 (a) Minimum future lease payments exclude $9,959 of sublease rental income. Rent expense was $5,973 , $6,182 and $6,225 for 2015, 2014 and 2013, respectively. Sublease income was $928 in 2015. The sale of the Assurant Employee Benefits segment to Sun Life will not impact the lease the Company has with Assurant for their principal office in Kansas City, Missouri, however, the Company will receive sublease income from Sun Life for their use of the building. The Company is involved in litigation in the ordinary course of business, both as a defendant and as a plaintiff. The Company may from time to time be subject to a variety of legal and regulatory actions relating to the Company's current and past business operations. Although the Company cannot predict the outcome of any action, it is possible that the outcome of such matters could have a material adverse effect on the Company's consolidated results of operations or cash flows for an individual reporting period. However, based on currently available information, management does not believe that any pending matters are likely to have a material adverse effect, individually or in the aggregate, on the Company's financial condition.