AIG · 10-Q · 2026Q2 · Full report

Global Personal Demand Trends

AMERICAN INTERNATIONAL GROUP, INC. · 2026-08-07 · Importance 49 · Surprise 32

Global Personal sells Accident & Health, Personal Lines, warranty, device protection, home warranty and high-net-worth insurance products across the United States, Japan, the United Kingdom, EMEA, Asia Pacific, Latin America and Caribbean, and China. Six-month net premiums written increased 9% to $3.347 billion, excluding favorable foreign exchange, primarily from reinsurance program changes and organic growth in U.S. high-net-worth and Accident & Health products. Net premiums earned were broadly flat because lower Warranty production offset premium growth elsewhere. The six-month combined ratio improved 12.0 points to 91.2, reflecting lower catastrophe losses, improved accident-year loss experience, favorable prior-year development and better commission terms.

Key facts

• Global Personal net premiums written (three months ended June 30, 2026): $1,803 million; net premiums earned: $1,600 million. source
• Global Personal net premiums written, excluding the unfavorable impact of foreign exchange of $15 million, increased by $126 million, or 8 percent, for the three months ended June 30, 2026. source
• Total Global Personal net loss reserves: $3,131 million at June 30, 2026 and $3,054 million at December 31, 2025; gross loss reserves: $6,611 million at June 30, 2026 and $6,523 million at December 31, 2025. source