What does north america commercial — unearned premiums mean?

The portion of premiums written that relates to the unexpired period of the insurance policy. This represents a liability because the insurer is obligated to provide coverage for the remainder of the policy term. As time passes, this liability is earned and recognized as revenue.

American International Group AIG North America Commercial — Unearned Premiums

Other segment segments

International Commercial

$6.31B+9.4%

Global Personal

$5.35B+0.2%

Similar metrics at other companies

CNACommercial — Unearned premiums

$3.45B+2.6%

CINFCommercial Insurance — Unearned premiums

$2.44B+5.6%

CBNorth America Commercial P&C Insurance — Net premiums earned

$5.15B+3.2%

NOD

NODKNon Standard Auto — Unearned Premiums

$1.24M-94.6%

ACGLNorth America — Net premiums earned

$1.43B+22.0%

EIGInsurance Operations — Unearned premiums

$391.9M-2.6%

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 north america commercial — unearned premiums?: American International Group (AIG) reported north america commercial — unearned premiums of $6.19B in Q4 2025.
What does north america commercial — unearned premiums mean?: The portion of premiums written that relates to the unexpired period of the insurance policy. This represents a liability because the insurer is obligated to provide coverage for the remainder of the policy term. As time passes, this liability is earned and recognized as revenue.