What does U.S. personal insurance — year 7 (as a percent) mean?

This metric represents the cumulative loss reserve development for the U.S. Personal Insurance segment at the seven-year maturity mark. It serves as a key indicator of the long-term accuracy of actuarial estimates for personal lines insurance products.

American International Group AIG U.S. Personal Insurance — Year 7 (as a percent)

Other product segments

U.S. Other Casualty

7.1%-9.0%

U.S. Financial Lines

6.5%-5.8%

U.S. Excess Casualty

6.4%+4.9%

UK/Europe Casualty and Financial lines

5.7%-1.7%

U.S. Workers' Compensation (before discount)

2.6%-3.7%

U.S. Property and Special Risks

2.4%+9.1%

UK/Europe Property and Special Risks

0.8%-27.3%

UK/Europe and Japan Personal Insurance

0.6%0.0%

Similar metrics at other companies

AXSInsurance — Year 7

8.8%—

EGProperty Insurance — Year seven

2.9%+0.2pp

UFCSPersonal — Year 7

0.5%+0.2pp

AFGProperty and casualty insurance — Year 7

4.9%-2.0pp

HIGProperty Insurance — 7th Year

0.4%+0.3pp

FRHCLife Insurance — 7

50%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 7 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 7 (as a percent) of 0.7% in Q4 2025.
How has American International Group's U.S. personal insurance — year 7 (as a percent) changed year-over-year?: American International Group's U.S. personal insurance — year 7 (as a percent) decreased by 0.0% year-over-year, from 0.7% to 0.7%.
What does U.S. personal insurance — year 7 (as a percent) mean?: This metric represents the cumulative loss reserve development for the U.S. Personal Insurance segment at the seven-year maturity mark. It serves as a key indicator of the long-term accuracy of actuarial estimates for personal lines insurance products.