What does U.S. personal insurance — year 10 (as a percent) mean?

This metric represents the cumulative loss reserve development for the U.S. Personal Insurance segment at the ten-year maturity point. It provides a comprehensive view of the long-term accuracy of actuarial reserving practices for personal lines.

American International Group AIG U.S. Personal Insurance — Year 10 (as a percent)

Other product segments

U.S. Excess Casualty

10.4%+420%

UK/Europe Casualty and Financial lines

3.2%+100%

U.S. Financial Lines

2.3%+229%

U.S. Other Casualty

2.3%+283%

U.S. Workers' Compensation (before discount)

0.8%-46.7%

U.S. Property and Special Risks

0.3%+50.0%

UK/Europe and Japan Personal Insurance

0%-100%

Similar metrics at other companies

UFCSPersonal — Year 10

0%—

EGProperty Insurance — Year ten

0%—

HIGProperty Insurance — 10th Year

0.1%+0.1pp

AXSInsurance — Year 10

3.5%—

SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year ten

0%—

UFCSCommercial automobile — Year 10

0%—

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

See full

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

See full

Operating cash flow$155.0M+377%

CapEx$60.0M+14.3%

Free cash flow$1.5B+53.0%

Valuation

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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

Ask your AI about American International Group's u.s. personal insurance — year 10 (as a percent).

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is American International Group's U.S. personal insurance — year 10 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 10 (as a percent) of 0.1% in Q4 2025.
How has American International Group's U.S. personal insurance — year 10 (as a percent) changed year-over-year?: American International Group's U.S. personal insurance — year 10 (as a percent) decreased by 50.0% year-over-year, from 0.2% to 0.1%.
What does U.S. personal insurance — year 10 (as a percent) mean?: This metric represents the cumulative loss reserve development for the U.S. Personal Insurance segment at the ten-year maturity point. It provides a comprehensive view of the long-term accuracy of actuarial reserving practices for personal lines.