The divestiture of our travel business was the largest contributor to this improvement, accounting for 110 basis points.

May 2, 2025 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2025-05-02 | transcript 6c9f84d0-e038-4e43-a6cb-45acde07710a | chars 7676-7796 | segment 7

I included that in my prepared remarks just based on the amount of financial flexibility, strategic flexibility that we've created for ourselves. The divestitures have been really about not having Like, really, the businesses that we divest were terrific, and they fit very well with their new owners. But, you know, some of them needed scale, like travel and crop. And, you know, we wanted to be a little bit less in the volatility business, and therefore, you know, Validatory was divested. I would think as we look to the future, again, we're going to be very selective, very disciplined, but there are opportunities perhaps where we have existing businesses, where we feel as though we have competitive advantages that having more scale would be helpful. There could be complementary geographies as we look to different parts of internationally, but terrific international business. But there could be places where we want to expand further that give us not only better capabilities within that geography, but also could be very good for our multinational network. There are opportunities to invest further in businesses that we have. Think about AIG Tata in India is a fast-growing, large-scale business that is an industry leader. There's opportunities there as well. So we will use the same criteria, which is, you know, to make sure it's disciplined, it's additive, it's strategic, and it actually, you know, furthers and accelerates the progress we can make on an organic basis.

Aug 1, 2024 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2024-08-01 | transcript 03cd4e8b-20ca-4dcf-9905-a7608d093990 | chars 47229-48716 | segment 47

The transaction includes the global travel guard insurance business, as well as its service companies and infrastructure, and excludes our travel insurance businesses in Japan and our AIG joint venture arrangement in India with the Tata Group.

Aug 1, 2024 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2024-08-01 | transcript 03cd4e8b-20ca-4dcf-9905-a7608d093990 | chars 8141-8384 | segment 8

In international, we have a terrific personal insurance business. You know, some of it was affected by COVID. It's growing back between, you know, Japan's personal insurance, our global accident health, which is predominantly international, as well as our travel and warranty, which are rebounding in terms of growth.

May 5, 2023 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2023-05-05 | transcript 7d1e9fbf-4ae0-4bf0-8661-3583ad00a8ce | chars 37640-37957 | segment 38

Turning to personal lines, in North America personal, net premiums written declined nearly 4%, driven by a reduction in warranty, which was partially offset by a rebound in travel.

Aug 9, 2022 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2022-08-09 | transcript f8a483b4-dda1-4ae5-bc42-eefe38ba7cfd | chars 13121-13301 | segment 13

In international personal, net premiums rate declined 4% on an FX-adjusted basis, also due to a reduction in warranty and partially offset by growth in accident health and travel.

Aug 9, 2022 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2022-08-09 | transcript f8a483b4-dda1-4ae5-bc42-eefe38ba7cfd | chars 13302-13481 | segment 13

We also had, in terms of the overall, you know, general insurance business, you know, the mixed changes because, you know, on the one hand, We wanted to make sure that we were patient with A&H, which is a great business for us, and travel in terms of its rebound after COVID, but not really reducing the overall overhead.

May 4, 2022 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2022-05-04 | transcript 39a3710a-5515-40a9-9c2c-33df37282ac6 | chars 46833-47154 | segment 46

Turning to global personal insurance, We had a solid quarter that reflected a modest rebound in net premiums written and travel and warranty, offset by results in the private client group due to reinsurance sessions related to Syndicate 2019 and non-renewals in peak zones.

Nov 5, 2021 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2021-11-05 | transcript e244a80e-e780-4f09-9d76-9e4c7cbf496a | chars 8816-9089 | segment 9

In personal insurance, not surprisingly, our portfolio mix continues to be impacted by COVID-19, which has reduced premium volumes by more than 80% in our travel business alone.

Nov 6, 2020 / CEO / receipt, needs a key / Peter Zaffino, CEO | earnings call 2020-11-06 | transcript 91dcdcff-e13e-44d6-a2fb-cbb6fe5dd4be | chars 11495-11672 | segment 11

With respect to COVID-19, the loss estimates primarily related to travel, contingency, and validus re.

Nov 6, 2020 / CFO / receipt, needs a key / Peter Zaffino, CFO | earnings call 2020-11-06 | transcript 91dcdcff-e13e-44d6-a2fb-cbb6fe5dd4be | chars 12184-12286 | segment 12