What does U.S. personal insurance — year 8 (as a percent) mean?

This metric measures the cumulative loss reserve development for the U.S. Personal Insurance segment at the eight-year maturity point. It reflects the maturity of claims data and the finality of loss estimates for older underwriting years.

American International Group AIG U.S. Personal Insurance — Year 8 (as a percent)

Other product segments

U.S. Excess Casualty

7.6%-3.8%

UK/Europe Casualty and Financial lines

5.7%+7.5%

U.S. Financial Lines

5.5%-11.3%

U.S. Other Casualty

4.5%+12.5%

U.S. Property and Special Risks

1.5%-6.3%

U.S. Workers' Compensation (before discount)

1.1%-8.3%

UK/Europe and Japan Personal Insurance

0.3%-25.0%

UK/Europe Property and Special Risks

0%+100%

Similar metrics at other companies

AXSInsurance — Year 8

6.8%—

EGProperty Insurance — Year eight

1.8%-0.2pp

AFGProperty and casualty insurance — Year 8

3.8%-0.6pp

HIGProperty Insurance — 8th Year

0.3%0.0pp

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

0.9%+0.1pp

UFCSPersonal — Year 8

0.1%0.0pp

Other financials

Income statement

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 8 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 8 (as a percent) of 0.7% in Q4 2025.
How has American International Group's U.S. personal insurance — year 8 (as a percent) changed year-over-year?: American International Group's U.S. personal insurance — year 8 (as a percent) increased by 40.0% year-over-year, from 0.5% to 0.7%.
What does U.S. personal insurance — year 8 (as a percent) mean?: This metric measures the cumulative loss reserve development for the U.S. Personal Insurance segment at the eight-year maturity point. It reflects the maturity of claims data and the finality of loss estimates for older underwriting years.