AIG is a global insurance provider operating across approximately 200 countries and jurisdictions, with substantial business conducted outside the United States. The company offers insurance products and services through multiple subsidiaries and distributes primarily through third-party distributors who may also sell competitors' offerings, competing on risk acceptance criteria, pricing, and policy terms. AIG's revenue model relies on insurance underwriting and premium collection across its business lines, with operations subject to extensive and sometimes conflicting regulatory frameworks, capital requirements, solvency standards, and supervision by federal, state, and foreign authorities that govern product issuance, distribution, underwriting, claims handling, and policy administration.