AIG Philippines Insurance

Company Profile and Product Pack

 AIG Philippines
Company Profile and
Product Pack

2 AIG - all rights reserved 3

 on a worldwide basis with an 85-year legacy
following substantial in building resilient
investments in Filipino communities
technology and
engineering

AIG Philippines at a Glance

We increased our
4,500+ AIG Philippines at a Gl
AIG Philippines at a Glance
AIG Philippines at a Glance
AIG Philippines at a Glance 63
Employees Property
in the Philippines
Commercial
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employees from AIG our Philippines at a Glance
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Filipino communities
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technology and Humanity
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technology and displaced by
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investments
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substantial in Filipino
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resilient Ranked #6 out of 70 Licensed
engineeringand engineering
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technologyinand
investments
engineering Filipino communities non-life insurance companies
Largest claim paid by AIG
engineering (Yolanda) in 2013 in the Philippines
technology and
Philippines (Property Claim)
engineering

4,500+
4,500+
4,500+
63 AIG Philippines at a Gl
AIG Philippines at a Glance
AIG Philippines at a Glance 4,500+
634,500+ 63 Frontrunner in offering innovative products:

63
AIG
Employees PropertyinCasualty the Philippines Rating

63
Employees in the Philippines
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63
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AIG Philippines is a leading non-life insurer in the Philippines providing Property SharedEmployees
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includes BPO
BPO and AIG Shared
inandthe
employees AIG Philippines
from AIG Shared Services BPO and AIG Shared
Shared Cyber Insurance

1 Php
Services Technology Commercial Property
Commercial
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Poors (S&P Rating):

Php1.8 1.8Bn Bn A
Services
*headcount
Shared Technology
Services includes
BPO and employees
AIG Shared from AIG Services Technology Mergers & Acquisition
Employees in the 2016 Philippines

Php Php
and Casualty Insurance to businesses in the country. We bring the global *Ratings as of February A capacity
committed to and committed and
A+
per-risk Shared
Services capacity
Services BPO
Technology to and AIG Shared per-risk

1.8 Bn
*headcount
Services includes employees from AIG Insurance
US$ 2.5 Bn US$ 2.5 Bn
Technology
capabilities of AIG to our clients through unique services and tailor-made Financial Strength Rating (FSR) enduring partner in the enduring partner in the

Php 1.8 Bn
Shared Services BPO and AIG Shared

insurance solutions to address the specific needs of Philippine businesses.

Services Technology
Philippine market place
PhilippineDirectors market and placeOfficers

Php 1.8 Bn
A.M. Best Company Rating: Houses built in partnershipHouses AIG AIG Philippines
Philippines net net worthAIG Philip
worth
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AIGbased Philippines on 2015
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Financial substantial
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Humanity Philippines
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investments in investments Humanity
Filipino Philippines
incommunities AIGbased
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growth in the Philippines, strong financial capacity, technical and engineering withfamilies
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expertise, and a responsive local claims team, uniquely position us in the with
for Humanitythe
families
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Typhoon for by
Haiyan Ranked #6 out 70 Ranked #6
Super Typhoon Haiyan Super Typhoon
non-life
Commission of Haiyan
insurance
Report companies
engineering engineering for families displaced by Ranked non-life #6 out
insurance 70 Licensed
companies non-life ins

Php 1.07 Bn
marketplace. Our innovative insurance solutions help our clients mitigate both Largest
Largest claim paid by AIGclaim paid by AIG Largest Humanity
Super (Yolanda) Typhoon
claiminpaid PhilippinesHaiyan
in 2013
by AIG Ranked #6 out of 70 Licensed
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Largest claim
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Super Typhoon Haiyan in 2013 in the insurance
Philippinescompanies
non-life
Philippines
Largest claim(Propertypaid by AIG Claim) (Yolanda) in 2013
in the Philippines
AIGs extensive history in the Philippines, and more broadly across Asia and the
world, provide us invaluable knowledge and unique insights which are relevant to AIGProperty
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Humanity Philippines
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founded in May 1932. Humanity Philippines Insurance
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Super Typhoon Haiyan
Today, we remain stronger than ever with our disciplined focus on Property and
Casualty solutions and providing a comprehensive range of business insurance
Largest claim paid by AIG a+(Yolanda) in 2013
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non-life insurance companies non-life ins
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the Philippines in the Phili
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solutions and risk mitigation services.

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 AIGs Claims Service
The claims operation that underpins every AIG policy is one
of our greatest strengths. We have a strong local claims team
that is backed by our global network of experts to support the
clients who face losses. Our approach is to have a proactive and
collaborative claims process by working closely with clients and
partners to identify the best and most expeditious solution.

The right claim Financial

to the right security
adjuster

We tailor our approach to We have the financial strength,

each claim, and look for the
best way to resolve the claim
toward resolution. Each claim
is categorized as Express,
Complex, or Major Loss, and
each is handled by an adjuster
with the most appropriate type
of expertise, based on the
product line and complexity of
loss.
claims-paying ability, and level
of security unmatched by any
other insurance organization.
AIG ratings from the worlds
principal ratings agencies Property and Special Risks (PSR)
indicate the highest level
of ability to meet financial
AIG is a leading provider of property insurance, risk management
commitments to policy holders.
and loss prevention services. PSRs portfolio of insurance products
includes:

Local
knowledge
Our local underwriting and
claims teams are supported by
legal experts, structural, safety
and systems engineers, and
risk analysts who stand ready
to assist clients in evaluating
risks, business practices, legal
and regulatory issues.
Worldwide
capability Property Insurance
Energy Insurance
For companies doing business Construction Insurance
overseas, our global network
gives us the edge in resolving Property Terrorism Insurance
claims should a loss occur in a
Marine Insurance
foreign market. We can work
across borders with teams in Aviation Insurance
multiple countries, working
with our firm grasp of the local
languages, laws, and regulations.

6 AIG - all rights reserved AIG - all rights reserved 7

 Property/Energy and Engineered Risks Marine

Product Name Description Product Name Description

This policy provides you with coverage for your property against loss
or damage caused by fire and lightning, and allied perils such as
earthquake, typhoon, flood, falling aircraft, impact damage, volcanic
Property All-Risk eruption, riot, strike and malicious damage. Additional covers may
be added to meet the needs of the business. There is an option to
include in this policy Machinery Breakdown cover, Electronic Equipment
Insurance cover, and Business Interruption cover.
This covers the movement of goods from point A to point B against
Marine Cargo accidental loss or damage. Clients range from importers, exporters,
manufacturers, logistic operators or Project Owner (Construction,
Insurance Infrastructure) to multinational seeking tailored insurance solutions that
can be location specific or part of a worldwide master program.
Also known as Contactors Equipment cover, this is a comprehensive
Contractors solution for assets that are moveable or mobile in nature, in transit or in
Equipment storage, and while being used where specialization is needed or where
unique exposures exist.

Energy and This policy provides onshore insurance for a complete range of energy
and related businesses in oil and petrochemicals, power generation, Project Cargo with Covers all goods and/or merchandise and/or equipment and/or
Engineered Risks chemical, and mining industries. Machinery Breakdown that focuses interest of every type and description shipped in connection with the
on coverage for machinery and equipment, and boilers and pressure Delay in Start-Up project, and delays in start-up.
(Onshore) vessels, is also included in this policy.

Freight Forwarders It has coverage for cargo liability, errors and omissions, third-party
liability as well as legal and loss mitigation costs arising from freight
Liability forwarding operations.

Energy Engineered Construction All-Risk/ Erection All-Risk (CAR/EAR) provides an all risks
cover during the construction period against loss or damage to property
Risk Construction and third party liability for accidental bodily injury or property damage
and Erection in connection with the performance of the contract.
Coverage against liability for both physical damages to the chartered
Charterers Legal vessel (including demurrage) as well as Protection and Indemnity claims.
The policy covers the insured for their legal liability and contractual
Liability liability as provided under the charter party agreement.

Ship Repairers This is a liability insurance for any damage to a third party vessel and
other third party properties while it is under the care, custody, and
Liability control of the ship repairer.
This policy covers financial losses arising from an incident at your
Property property caused by acts of terrorism. Coverage can be customized to
Terrorism meet the distinct needs of the business. Business interruption cover can
also be included. Terminal Operators This covers the terminal operators liability for damage to vessels,
cargo, and third party properties while its in their care, custody, and
Liability control.

8 AIG - all rights reserved AIG - all rights reserved 9

 Aviation

Product Name Description

Coverage is for Aircraft Hull and Liability. We provide coverage for
Fixed Wing Aircraft aircraft hull all risks, including hull war risks and third-party liability
including passenger legal liability.

Coverage is for Aircraft Hull and Liability. We provide coverage for

Helicopter/Rotor Wing aircraft hull all risks, including hull war risks and third-party liability
including passenger legal liability.

Coverage is for airport owners/operators. We provide coverage for

airport/aerospace liability including liability for terminal building,
Liability and Financial Lines (LFL)
Airport Cover control tower, aircraft movements, security services for baggage/
passenger screening and internal/external security.

Coverage is for contractors/operators at airport locations/premises. We

AIG knows the challenges that companies face, and we understand
Airport Contractor provide aerospace airside liability coverage for contractors at airports
including; construction of airport buildings, construction of airfield/
how quickly they can change.Specifically designed to respond to
Liability runways, general maintenance on airport premises; terminal buildings, both current and emerging risks, LFLs portfolio covers:
airside locations, apron/taxiway/runway work.
Coverage is for catering suppliers and distributors providing food
and drinks to airline/aircraft operators. We provide aerospace liability
Airline Catering coverage for product liability arising out of the supply of food and
drinks as well as the physical operations airside at airport premises,
Liability and insure against damage resulting from operations up to and on Casualty/Liability Insurance
board aircraft.

Coverage is for ground handlers at airport locations/premises. We Financial Lines Insurance

provide aerospace liability coverage for damage to third party property
Ground Handlers including aircraft and bodily injury arising from baggage/cargo Environmental Insurance
handling, laundry passenger assistance, aircraft cleaning, aircraft
towing and air bridge operations.

Coverage is for aerospace fuel refiners, distributors, dealers and

Aerospace Refuellers refueling operations. We provide aerospace liability coverage for the
product liability arising from the supply of aerospace fuel as well as the
Liability physical operations airside at airport premises, and safeguard against
damage to aircraft.

We provide aircraft/aerospace product liability for aircraft part

Aerospace Products manufacturers, component part manufacturers and sub-contractors.
This covers damages arising from personal injury, including bodily
Liability injury and for damage to or destruction of property. We are also able to
offer grounding liability and working parties extensions.

10 AIG - all rights reserved AIG - all rights reserved 11

 Financial Lines
Product Name Description
Bankers Blanket This product provides coverage for losses due to fraud, dishonesty of
employees, theft, forgery, and electronic crime sustained by financial
Bond institutions.
Insurance cover for medium to large-sized public and privately-owned
Commercial Crime companies engaged in various business areas, other than financial
institutions, against dishonest acts of an employee as well as forgery,
burglary of safety deposit boxes, and computer fraud on a global basis.
This is a specially designed solution which addresses the liability of
CyberEdge companies arising from data protection laws, management of personal
data, and consequence of losing corporate information.
Directors and Officers has two lines of products:
CorporateGuard Premiere - covers mid to large-sized private and
publicly-listed companies, insuring claims against D&Os for alleged
Directors and breach of duty, neglect, misstatements, errors or omissions.
Officers
PrivateEdge - designed for private companies that offer solution for
potential liability resulting from action and inaction of the directors and
officers, and the employment practice they implement.
Financial Institution Professional Indemnitys purpose is to provide
Financial Institution help for professionals from financial institutions who are scrutinized
with negligent act, error, or omission in the performance or failure to
Professional
perform their professional services. Banks, insurers, asset management
Indemnity firms, and investment banks are examples of financial institutions that
can be covered.
12 AIG - all rights reserved
Financial Lines
Product Name Description
Investment This is a comprehensive insurance policy which covers the professional
Management civil liability of an Investment/Fund manager for wrongful professional
acts, directors and officers of an Investment Manager, Funds and
Insurance subsidiaries, and lastly, for acts of infidelity and third-party crime.
Kidnap, Ransom Tailor-made solution to address kidnap, ransom and extortion threats to
organizations and individuals around the world. Insurance policy cover
and Extortion includes incident response, financial cover, and risk prevention.
Covers professionals for their legal liability arising from their expert
Professional advice or errors and omissions on the services they provide, and certain
types of claims made against them by third parties under civil law. It
Liability provides financial coverage to meet the costs of defending legal actions
and payable damages.
Prospectus Liability Insurance covers for companies against securities
Prospectus claims arising from disclosures made in an initial public offering. Cover
Liability extends to the company, its directors, officers, employees and selling
shareholders, and even the securities underwriter.
Warranty and Insurance cover for both buyers and sellers involved in mergers,
acquisitions, divestitures or other related business transactions. It
Indemnity provides coverage for financial loss due to inaccuracies or breaches in
Insurance the representation and narratives made in a sale transaction.
AIG - all rights reserved 13
 Casualty Environmental Impairment Liability

Product Name Description Product Name Description

This cover is designed to address the costs of the Insureds legal liability
Comprehensive arising out of accidents, injuries, and property damage sustained by
third parties. It is a thoughtfully constructed risk management program
General Liability that can help the company minimize business interruptions and
empower the management to focus on the companys operations.

This is an environmental insurance cover designed to address risks faced

Contractors by contractors against pollution releases, including third-party bodily
Pollution Liability injury and property damage claims, as well as clean-up costs arising
from pollution released due to covered operations and work performed.
Contaminated Provides essential coverage against the direct and indirect costs of
a product recall, including specialist consulting services for crisis
Products Insurance management, planning, assistance, and loss prevention.

This is a stand-alone insurance cover that addresses the legal costs that
the insured company may face if they are sued by their employees. It
Employers pays on behalf of the company, all sums which they shall become legally
obligated to pay as damages because of bodily injury caused by an This is a flexible, comprehensive cover that helps businesses address
Liability accident or disease, including death of an employee arising out of and in the growing environmental exposures from heightened levels of
the course of employment.
public awareness and evolving environmental regulations. It enables
Pollution Legal companies to provide solution for the costs of clean-up, bodily injury
Liability and damage caused to other peoples property. It also provides
coverage for losses related to pollution releases, while responding
directly to regulatory obligations, contract/lender/landlord requirements,
Addresses the Insureds legal liability that may arise as a result of bodily
injury and/or property damage to third parties due to a defect in the shareholder needs, and board objectives.
Products Liability products manufactured, distributed, or sold by the Insured after such
product has ceased to be in the Insureds control.

14 AIG - all rights reserved AIG - all rights reserved 15

 Why AIG? Why AIG?
Strength
WHY AIGand Capability
| Strength and Capability WHY AIGTailored
Creative, | Creative,Tailored
CustomerCustomer
Experiences
Experiences
No problem is too large, or too complex Solutions that can meet any need, crafted to deliver real impact

AIG employees are united throughout the world to be our clients most valued We dont believe one size fits all. Insurance is personal which is time to
insurer and for us theres no problem too large or too complex. For instance learn about you and your organisations unique needs, and then designs a
our risk expertise and financial strength meant we could theoretically have a specialized customer experience to deliver real impact for your business.
cover for Property of up to $2.5bn per risk.

US$20.4b
We increased our
commercial property We help clients
per-risk capacity to affirmatively protect
their business,
US$2.5 billion customers,
on a worldwide basis Property casualty net written premium in 2015 employees, and Smart coverage to meet a
following substantial property when a multinationals local needs
investments in cyber breach occurs
technology and
engineering Weve been providing
D&O cover for over

40 We participate on more
than 70% of the worlds
airline placements and
High performance computing
years are the underwriting
and claims lead on technologies of Clemson University
roughly 30% can assess catastrophe exposure
50-100X faster than the standard
A multinational computer
footprint serving
clients in over
20
200
Over the past years, D&O policy that covered
we have introduced the entity
several "first-of-their kind Introduction of the concept
of having panel counsel
coverages and Entity coverage for
countries and enhancements to help investigations on a stand
jurisdictions* organizations stay ahead alone policy
of emerging board level Halliburton endorsement
*Includes AIG affiliate insurers and third party Network Partner insurers
risks
16 AIG - all rights reserved AIG - all rights reserved 17
 Why AIG?
Reliable and Responsive Claims Services
An experienced partner there when clients need us most

US$130
million Using drones to help
manage risk and help
assess claims faster,
350
Commercial Property Advanced Injury Analytics uses
claims professionals over 100-time sensitive formulas
in claims paid every safer and more
throughout the world to reveal frequent, timely insights
business day in 2015 accurately into the most complex injury claims

IntelliRisk Advance
Thousands of claims system
experts worldwide
Rated

#1
handling Through our medical management,
early intervention nurses get the

600,000 claim from day one to help ensure

timely and appropriate treatment.
claims a year insurer based Risk
Management Information
Systems (RMIS)
for five consecutive years

Whats
WHY AIGNext
| Whats Next
Helping clients prepare for tomorrow

Exploring new angles Using wearables to Continue to invest in Launch of the AIG
to inform clients reduce injury and engineering; in 3 years Technology Innovation
cyber risk exposure improve operational weve tripled the number Center
efficiency of our engineers

The Internet of Things is much more broadly a

story about the digitization of things and the
digitization of information. The blending of this AIG Philippines Insurance, Inc.
physical and digital world is happening now. Corporate Communications
Dr. Shawn DuBravac, Chief Economist of the Consumer Electronics Association, Published May 2017
which partnered with AIG on a series of reports exploring the opportunities and challenges
associated with Internet of Things (IoT).
Corpcomm.phl@aig.com
AIG all rights reserved

18 AIG - all rights reserved AIG - all rights reserved 19

Address:
AIG Philippines Insurance, Inc. Customer Hotline: General Inquiries:
47/F PBCom Tower +63 2 878 5400 callcenter.phl@aig.com
6795 Ayala Avenue corner
V. A. Rufino Street,
Makati City,
Metro Manila 1226 Trunk line number: Customer Concerns:
Philippines +63 2 815 3000 wecare.phl@aig.com

www.aig.com.ph

American International Group, Inc. (AIG) is a leading global insurance organization. Founded in 1919, today
AIG member companies provide a wide range of property casualty insurance, life insurance, retirement products,
and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings
include products and services that help businesses and individuals protect their assets, manage risks and provide
for retirement security. AIGs core businesses include Commercial Insurance and Consumer Insurance, as well as
Other Operations. Commercial Insurance comprises two modules Liability and Financial Lines, and Property
and Special Risks. Consumer Insurance comprises four modules Individual Retirement, Group Retirement, Life
Insurance and Personal Insurance. AIG common stock is listed on the New York Stock Exchange and the Tokyo
Stock Exchange.

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance
operations of American International Group, Inc. For additional information, please visit our website at HYPERLINK
http://www.aig.com www.aig.com. All products and services are written or provided by subsidiaries or affiliates
of American International Group, Inc. Products or services may not be available in all countries, and coverage is
subject to actual policy language. Non-insurance products and services may be provided by independent third
parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do
not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.