Trade American International Group with LHFX
American International Group is a global insurance organization providing a range of property, casualty, life, and retirement solutions. Its stock is influenced by insurance underwriting profitability, catastrophe losses, investment portfolio returns, and regulatory capital requirements.
AIG Price Chart
Live AIG Spread
Real-time market pricing
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Spreads are variable and sourced from the live market. Values shown are real-time.
Trading Conditions
Max Leverage
1:20
Commission
$3 per side
Platform
MetaTrader 5 + LHFX Trade
Execution
STP/ECN
Trading Hours
Monday - Friday, 9:30 AM - 4:00 PM ET
About American International Group
American International Group (AIG) is a global insurance company with operations in roughly 70 countries and territories. The modern company is the survivor of the 2008 federal bailout (the United States Treasury and Federal Reserve combined committed up to $182 billion of support; Treasury exited its remaining stake in 2012 at a profit). Since 2018, AIG has been simplifying the firm and divesting non-core businesses. CEO Peter Zaffino has run AIG since 2021.
The business has been narrowed to two main segments. General Insurance is the core property and casualty franchise, covering commercial lines (financial lines, casualty, property, specialty) and personal insurance, with around $25 billion of annual gross premiums written. Life and Retirement, branded as Corebridge Financial, was IPO'd as a separate listed company in 2022 (NYSE: CRBG); AIG has progressively reduced its ownership stake through secondary offerings, and the residual stake is still on the balance sheet but no longer fully consolidated.
Property and casualty insurance is a cyclical business. Premium rates fluctuate based on combined-ratio profitability across the industry. Catastrophe losses (hurricanes, wildfires, earthquakes) directly hit underwriting results. Investment-portfolio yields, which generate the bulk of operating income, depend on the level of interest rates.
At LHFX you trade AIG as a CFD on the share price, not by owning the stock. You profit or lose based on AIG moving in or against your position, can go long or short, and never receive the underlying shares. Settlement is in USD. Dividends are reflected as cash adjustments to your account on the ex-dividend date.
The stock trades on the NYSE in US dollars at a typical price between $60 and $85, with a quarterly dividend yield around 2.2%. Maximum leverage at LHFX is 1:20.
What moves AIG
- 01Atlantic hurricane season (June 1 to November 30). AIG is a major commercial property insurer with US Gulf and East Coast exposure. Major landfalling hurricanes (Ian in 2022 was a recent example) can produce billions in catastrophe losses and drop the stock 4 to 8%.
- 02Property and casualty pricing cycle. The industry has been in a hard market (rising rates) for commercial lines since 2019. Signs that rates are softening hurt AIG; continued firm pricing supports the stock.
- 03Federal Reserve rate path. AIG holds a large investment portfolio funding policy reserves. Higher rates lift new-money yields and net investment income; falling rates reduce that tailwind.
- 04Corebridge (CRBG) ownership reduction. AIG has been selling down its CRBG stake via secondary offerings. Each announced sale is dilutive in the short term but progresses the simplification plan.
- 05Quarterly earnings, late January, April, July, and October. Watch the General Insurance combined ratio (under 100% indicates underwriting profit), catastrophe-loss disclosure, and net investment income.
How to trade AIG at LHFX
Open an LHFX account and fund it. Minimum deposit is $10. Card and bank deposits clear within minutes in most jurisdictions.
Open MetaTrader 5 or the LHFX Trade web platform and search for AIG. Add it to your Market Watch. Spreads are raw with a flat $3/side commission, so the round-trip cost is $6 plus the bid-ask. AIG US single-name CFDs trade during NYSE regular hours, 14:30 to 21:00 UTC Monday to Friday.
Size your position to your account. AIG moves 1 to 2% on a typical day. Hurricane-season news, earnings, and Corebridge secondary sales can produce 3 to 6% gaps. At 1:20 leverage, a 5% adverse move on a fully sized position wipes out your margin.
Set a stop loss before entry. AIG gaps on catastrophe-loss disclosures (sometimes mid-quarter, ahead of earnings), surprise reinsurance-cost spikes, and Corebridge offering announcements. A leveraged position without a stop is exposed to forced liquidation.
Follow the hurricane season closely if you are holding leveraged AIG positions between June and November. National Hurricane Center advisories on Gulf and East Coast tracks move the stock intraday during active storm threats.
Worked example. On a $1,000 account with AIG trading at $75, opening 0.27 lots of AIG CFD (27 shares notional) is $2,025 of notional. At 1:20 leverage, that requires $101 of margin. A 5% adverse AIG move on that position costs $101, or roughly 10% of your account. A 5% favourable move makes $101. Round-trip commission is $6.
Risks specific to AIG
AIG carries event-driven catastrophe risk that other US financials do not. A single major hurricane making landfall in a populated Gulf or East Coast area can produce a single-quarter loss event that moves AIG 4 to 8% on the day of the event and another 3 to 5% on the earnings call when the full loss is booked. At 1:20 leverage, that compounds quickly.
The second risk is property and casualty cycle exposure. The industry-wide commercial-lines market has been hardening (rates rising) since 2019, which has benefited AIG underwriting margins. A market turn toward softer pricing would compress combined ratios industry-wide and pressure AIG share-price multiples.
Mitigations. Use effective leverage of 1:5 or lower until you have a tested strategy. Be aware of active hurricane threats during June to November. Flatten leveraged positions ahead of AIG earnings. Set a stop loss before every entry. Size positions so a 10% adverse move costs no more than 3% of your account.
Frequently asked questions about AIG
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