What does U.S. personal insurance — 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 is a measure of claim payment velocity, indicating how quickly the company settles its obligations. Faster payment cycles can reduce the impact of inflation on claim costs but require higher liquidity.

American International Group AIG U.S. Personal Insurance — Year 1 (as a percent)

Other product segments

UK/Europe and Japan Personal Insurance

59%+0.9%

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. Financial Lines

4%+2.6%

U.S. Excess Casualty

1.1%0.0%

Similar metrics at other companies

UFCSPersonal — Year 1

51.3%-3.8pp

AXSInsurance — Year 1

29.5%—

ALLYPercentage payout of incurred claims, year one

87.8%-1.9pp

KMPRPreferred Personal Automobile Insurance—Liability — Year 1

30.8%+0.3pp

CINFPersonal Insurance — Current accident year

$605.75M+33.1%

SIGIPersonal automobile — Short-duration insurance contracts, Historical claims duration, year one

57.6%-1.2pp

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

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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: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. personal insurance — year 1 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 1 (as a percent) of 57.4% in Q4 2025.
How has American International Group's U.S. personal insurance — year 1 (as a percent) changed year-over-year?: American International Group's U.S. personal insurance — year 1 (as a percent) decreased by 4.8% year-over-year, from 60.3% to 57.4%.
What does U.S. personal insurance — 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 is a measure of claim payment velocity, indicating how quickly the company settles its obligations. Faster payment cycles can reduce the impact of inflation on claim costs but require higher liquidity.