Across
- 3. Frosty figure
- 4. Funds set aside for future claims
- 6. What actuaries love to crunch
- 11. Hung by the fireplace for gifts
- 14. Animals pulling Santa's sleigh
- 15. Calendar counting down to Christmas
- 16. Decorative Christmas plant
Down
- 1. Santa’s little helpers
- 2. Sparkly strands for decorating trees
- 4. Pricing factor for insurance
- 5. White winter precipitation
- 7. Plant under which people kiss
- 8. Santa’s ride
- 9. Sweet treat shaped like a person
- 10. Circular decoration for doors
- 12. Songs sung door-to-door in December
- 13. Sits on top of a Christmas tree