What does U.S. financial lines — year 1 (as a percent) mean?

This metric represents the percentage of total ultimate losses paid out within the first year of the accident year. It serves as a measure of the 'speed' of the claim settlement process for the U.S. Financial Lines segment. A higher percentage indicates a faster payout cycle, which is characteristic of shorter-tail insurance products.

American International Group AIG U.S. Financial Lines — Year 1 (as a percent)

Other product segments

UK/Europe and Japan Personal Insurance

59%+0.9%

U.S. Personal Insurance

57.4%-4.8%

U.S. Property and Special Risks

36.4%+2.2%

UK/Europe Property and Special Risks

20.1%-3.8%

U.S. Workers' Compensation (before discount)

11%-7.6%

U.S. Other Casualty

5.3%+1.9%

UK/Europe Casualty and Financial lines

5.3%-1.9%

U.S. Excess Casualty

1.1%0.0%

Similar metrics at other companies

GLREFinancial — Year 1

28%-12.6pp

WRBShort-tail lines — Average annual percentage payout of incurred claims by age, net of reinsurance, Year 1

52.3%-0.8pp

NMIHFinancial Guarantee Insurance Product Line — Year 1

3%0.0pp

AXSInsurance — Year 1

29.5%—

SIGICasualty lines — Short-duration insurance contracts, Historical claims duration, year one

3.2%-0.4pp

UFCSPersonal — Year 1

51.3%-3.8pp

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 U.S. financial lines — year 1 (as a percent)?: American International Group (AIG) reported U.S. financial lines — year 1 (as a percent) of 4% in Q4 2025.
How has American International Group's U.S. financial lines — year 1 (as a percent) changed year-over-year?: American International Group's U.S. financial lines — year 1 (as a percent) increased by 2.6% year-over-year, from 3.9% to 4%.
What does U.S. financial lines — year 1 (as a percent) mean?: This metric represents the percentage of total ultimate losses paid out within the first year of the accident year. It serves as a measure of the 'speed' of the claim settlement process for the U.S. Financial Lines segment. A higher percentage indicates a faster payout cycle, which is characteristic of shorter-tail insurance products.