What does U.S. personal insurance — year 4 (as a percent) mean?

This metric represents the cumulative percentage of total ultimate losses paid out by the end of the fourth year following the accident year. It serves as a long-term indicator of how the company manages its claim liabilities as they mature. This is essential for evaluating the long-term accuracy of the company's actuarial projections.

American International Group AIG U.S. Personal Insurance — Year 4 (as a percent)

Other product segments

U.S. Excess Casualty

19.7%+1.0%

UK/Europe Property and Special Risks

15%+82.9%

U.S. Financial Lines

14.8%-1.3%

U.S. Other Casualty

13.2%-5.7%

UK/Europe Casualty and Financial lines

10.3%-4.6%

U.S. Workers' Compensation (before discount)

7.7%+2.7%

U.S. Property and Special Risks

7.1%0.0%

UK/Europe and Japan Personal Insurance

3.3%-5.7%

Similar metrics at other companies

AXSInsurance — Year 4

14.8%—

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 4

100%0.0pp

ALLYPercentage payout of incurred claims, year four

0.3%—

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 4

99.8%-0.2pp

GLREFinancial — Year 4

36%+7.2pp

UFCSPersonal — Year 4

2.2%+0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 4 (as a percent) of 1.8% in Q4 2025.
What does U.S. personal insurance — year 4 (as a percent) mean?: This metric represents the cumulative percentage of total ultimate losses paid out by the end of the fourth year following the accident year. It serves as a long-term indicator of how the company manages its claim liabilities as they mature. This is essential for evaluating the long-term accuracy of the company's actuarial projections.