What does U.S. personal insurance — year 9 (as a percent) mean?

This metric tracks the cumulative loss reserve development for the U.S. Personal Insurance segment at the nine-year maturity mark. It is used to assess the long-term adequacy of reserves for personal insurance policies as they approach full settlement.

American International Group AIG U.S. Personal Insurance — Year 9 (as a percent)

Other product segments

U.S. Excess Casualty

3.5%+12.9%

UK/Europe Casualty and Financial lines

3.3%+3.1%

U.S. Other Casualty

2.9%-17.1%

U.S. Financial Lines

2.3%-42.5%

U.S. Workers' Compensation (before discount)

1.1%-21.4%

U.S. Property and Special Risks

0.9%-52.6%

UK/Europe Property and Special Risks

0.4%-75.0%

UK/Europe and Japan Personal Insurance

0.3%0.0%

Similar metrics at other companies

EGProperty Insurance — Year nine

0.4%-1.6pp

AXSInsurance — Year 9

6.5%—

HIGProperty Insurance — 9th Year

-0.1%0.0pp

AFGProperty and casualty insurance — Year 9

1.9%-2.2pp

UFCSPersonal — Year 9

0.4%0.0pp

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

0.2%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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearNine.

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 9 (as a percent)?: American International Group (AIG) reported U.S. personal insurance — year 9 (as a percent) of 0.2% in Q4 2025.
How has American International Group's U.S. personal insurance — year 9 (as a percent) changed year-over-year?: American International Group's U.S. personal insurance — year 9 (as a percent) increased by 100.0% year-over-year, from 0.1% to 0.2%.
What does U.S. personal insurance — year 9 (as a percent) mean?: This metric tracks the cumulative loss reserve development for the U.S. Personal Insurance segment at the nine-year maturity mark. It is used to assess the long-term adequacy of reserves for personal insurance policies as they approach full settlement.