(AIG) American International - Ratings and Ratios

American International Group, Inc. (AIG) stands as a global insurance powerhouse, delivering a broad spectrum of insurance solutions tailored for commercial enterprises, institutions, and individual clients across North America and international markets. The companys operations are segmented into three core divisions: General Insurance, Life and Retirement, and Other Operations. This structural breakdown allows AIG to cater to diverse risk management needs while maintaining a specialized approach in each sector.

The General Insurance division serves as the backbone of AIGs offerings, providing an extensive array of coverage options. This includes commercial and industrial property insurance, which safeguards against both man-made and natural disasters, as well as business interruption and package insurance. The segment also offers general liability insurance, environmental liability, and commercial automobile liability, along with workers compensation and crisis management solutions. Professional liability insurance is another key component, addressing the unique risks faced by professionals. Additionally, this division covers marine, energy-related property, aviation, and political risk, along with trade credit and trade finance solutions. Portfolio solutions and reinsurance business further enhance the divisions capabilities, making it a one-stop-shop for complex risk exposures. Voluntary and sponsor-paid personal accident insurance, along with supplemental health products, round out the offerings, ensuring comprehensive coverage for individuals. Personal auto and property insurance complete the suite, providing protection for personal assets.

The Life and Retirement segment focuses on individual and institutional clients, offering a variety of products designed to secure financial futures. Variable, fixed, and fixed-indexed annuities are cornerstone offerings, providing flexible retirement solutions. Retail mutual funds expand the segments reach, offering diversification and growth opportunities. For institutional clients, the segment provides group retirement products, including record-keeping, plan administrative, and compliance services. Financial planning and advisory solutions further support these offerings, ensuring tailored strategies for institutional needs. Life insurance products, including term and universal life insurance, provide essential coverage for individuals. The segment also caters to institutional markets with wrap products, structured settlements, pension risk transfer annuities, and corporate and bank-owned life insurance. High net worth individuals and guaranteed investment contract products are also served, ensuring a comprehensive approach to wealth management and financial security.

AIGs distribution network is a critical component of its success, utilizing a vast network of brokers, agents, advisors, banks, and other financial intermediaries to deliver its products. This extensive reach ensures that clients across various markets can access AIGs insurance and retirement solutions, fostering trust and reliability. Founded in 1919 and headquartered in New York, AIG has established itself as a cornerstone of the global insurance industry, with a rich history that underscores its commitment to innovation and customer satisfaction.

From a financial perspective, AIGs market capitalization stands at $46,306.04 billion, indicating its substantial presence in the global market. The forward P/E ratio of 10.92 suggests expectations of future growth, while the price-to-book (P/B) ratio of 1.03 reflects its valuation relative to book value. The price-to-sales (P/S) ratio of 1.02 indicates a reasonable valuation considering its