Products & Services · Year 5 (as a percent)
U.S. Personal Insurance — Year 5 (as a percent)
American International Group U.S. Personal Insurance — Year 5 (as a percent) increased by 4.0% to 2.6% in Q4 2025 compared to the prior quarter. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2022
Last reportedQ4 2025
How to read this metric
A higher percentage indicates significant reserve strengthening or underestimation of initial claims, while a lower percentage suggests accurate or conservative initial reserving.
Detailed definition
This metric represents the cumulative development of loss reserves for the U.S. Personal Insurance segment at the five-y...
Peer comparison
Commonly tracked in property and casualty insurance as part of loss reserve development triangles or actuarial loss development factors.
Metric ID:
aig_segment_u_s_personal_insurance_year_5_as_a_percentHistorical Data
4 periods
| Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|
| Value | 1.8% | 2.4% | 2.5% | 2.6% |
| QoQ Change | — | +33.3% | +4.2% | +4.0% |
| YoY Change | — | +33.3% | +4.2% | +4.0% |
Range1.8% – 2.6%
Avg YoY Growth+13.8%
Median YoY Growth+4.2%
Current Streak3+ quarters growth
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Frequently Asked Questions
- What is American International Group's u.s. personal insurance — year 5 (as a percent)?
- American International Group (AIG) reported u.s. personal insurance — year 5 (as a percent) of 2.6% in Q4 2025.
- What does u.s. personal insurance — year 5 (as a percent) mean?
- The percentage of loss reserves for U.S. personal insurance policies that have been adjusted or settled five years after the initial policy year.