What does global personal — unearned premiums mean?

The portion of premiums collected by the Global Personal segment that relates to the unexpired period of the insurance policies. Since the insurer has not yet provided coverage for this period, these premiums are recorded as a liability. As time passes and coverage is provided, this liability is recognized as earned revenue.

American International Group AIG Global Personal — Unearned Premiums

Other segment segments

International Commercial

$6.31B+9.4%

North America Commercial

$6.19B+4.2%

Similar metrics at other companies

AIZGlobal Lifestyle — Unearned Premiums

$18.93B+2.9%

AIZGlobal Housing — Unearned Premiums

$1.94B+7.2%

CINFPersonal Insurance — Unearned premiums

$1.86B+14.1%

NOD

NODKPrivate Passenger Auto — Unearned Premiums

$36.75M-4.0%

CINFProperty, Liability and Casualty Insurance — Gross unearned premium

$5.25B+9.2%

EGGlobal Wholesale & Specialty — Premiums earned

$719M-1.8%

Other financials

Income statement

See full

Revenue$6.7B-2.0%

Net income$763.0M+9.3%

EPS (diluted)$1.41+21.6%

Balance sheet

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Cash & equivalents$1.5B+4.4%

Total debt$10.0B+2.6%

Total equity$40.4B-2.5%

Total assets$161.54B-0.2%

Cash flow

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Operating cash flow$155.0M+377%

CapEx$60.0M+14.3%

Free cash flow$1.5B+53.0%

Valuation

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Market cap$40.07B-18.6%

P/E12.7×-2.7×

P/S1.5×-0.3×

Profitability

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Net margin11.9%+8.6pp

FCF margin21.5%—

Returns & leverage

See full

Return on equity7.7%+5.6pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by American International Group in its filing.

Tagged under the XBRL concept us-gaap:SupplementaryInsuranceInformationUnearnedPremiums.

The official record: American International Group’s 10-K, filed February 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is American International Group's global personal — unearned premiums?: American International Group (AIG) reported global personal — unearned premiums of $5.35B in Q4 2025.
What does global personal — unearned premiums mean?: The portion of premiums collected by the Global Personal segment that relates to the unexpired period of the insurance policies. Since the insurer has not yet provided coverage for this period, these premiums are recorded as a liability. As time passes and coverage is provided, this liability is recognized as earned revenue.