What does international commercial — unearned premiums mean?

The portion of premiums written that relates to the unexpired period of insurance policies. Since premiums are collected upfront but coverage is provided over time, this liability represents the obligation to provide future coverage. It is a key indicator of the segment's future revenue potential and business volume.

American International Group AIG International Commercial — Unearned Premiums

Other segment segments

North America Commercial

$6.19B+4.2%

Global Personal

$5.35B+0.2%

Similar metrics at other companies

CNAInternational — Unearned premiums

$806M+6.1%

CINFCommercial Insurance — Unearned premiums

$2.44B+5.6%

CNACommercial — Unearned premiums

$3.45B+2.6%

EIGInsurance Operations — Unearned premiums

$391.9M-2.6%

HGInternational — Unearned premiums

$753.47M+15.9%

AXSInsurance — Unearned premiums

$4.33B+12.3%

Other financials

Income statement

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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

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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 international commercial — unearned premiums?: American International Group (AIG) reported international commercial — unearned premiums of $6.31B in Q4 2025.
What does international commercial — unearned premiums mean?: The portion of premiums written that relates to the unexpired period of insurance policies. Since premiums are collected upfront but coverage is provided over time, this liability represents the obligation to provide future coverage. It is a key indicator of the segment's future revenue potential and business volume.