Type · valuation
How does an increase in interest rates specifically affect the valuation of an insurance company's investment portfolio and its liability profile?
How to Pass the AIG IB Analyst Interview in 2026
Enterprise · IB Analyst Interview Guide
Sign up to see ATSHeadquartered in United StatesInterview language: English
The AIG DNA (TL;DR)
Multinational Insurance Fundamentals guide the evaluation of risk exposure, requiring candidates to explain how they structure complex policies. Interviewers look for a metric-with-denominator approach when analyzing loss ratios across global jurisdictions.
The AIG Interview Loop
Your onsite loop will typically consist of 5 rounds.
- 1
Round 1
Recruiter ScreenMotivation, fit, GPA, deal interest. - 2
Round 2
Technical ScreenAccounting, valuation (DCF, comps, precedent transactions), enterprise vs equity value. - 3
Round 3
Market KnowledgeRecent deals, market events, sector outlook, why this firm. - 4
Round 4
SuperdayMultiple back-to-back interviews with MDs/VPs covering technical + behavioral + fit. - 5
Round 5
Behavioral / LeadershipPast evidence of ownership, influence, resolving conflict.
The Danger Zone: Top Reasons Candidates Fail
Based on our database of AIG interview outcomes, avoid these common traps:
- Failing to mention the competitive pressure from insurtech or global peers
- Failing to mention the impact on the combined ratio
- Failing to explain why it's a measure of underwriting efficiency
- Only considering the change to net income
Test Yourself: Real AIG Questions
Three real prompts pulled from our database.
Type · accounting
Explain the impact of a significant increase in catastrophe losses on an insurer's balance sheet and how it flows through to the income statement.
Type · technical
Walk me through the process of calculating the 'Combined Ratio' and why it is the most important metric for an insurance analyst.
+ many more questions, signals, and worked examples
Sign up to unlock the full AIG grading rubric
AIG Interview Question Bank
A sample from our database, grouped by round. Sign up to see the full set.
9 of 15 questions shown
1
Recruiter Screen
1- 1
Type · motivation
Given AIG's recent transformation into a leaner, more focused insurance entity, how do you see our capital allocation strategy impacting our M&A appetite in the next 24 months?
2
Technical Screen
4- 2
Type · valuation
How would you adjust the valuation of an insurance company compared to a standard manufacturing firm when performing a DCF analysis? - 3
Type · accounting
Explain the impact of a significant increase in catastrophe losses on an insurer's balance sheet and how it flows through to the income statement. - + 2 more questions in this round (sign up to unlock)
3
Market Knowledge
4- 4
Type · market-analysis
What are the primary drivers of consolidation in the global commercial insurance market, and how does AIG's current footprint position it to benefit? - 5
Type · market-analysis
How do you view the current regulatory environment regarding capital adequacy, and how does that influence M&A activity in the insurance sector? - + 2 more questions in this round (sign up to unlock)
4
Superday
4- 6
Type · behavioral
STARDescribe a time you identified a flaw in a financial model that others had missed. How did you communicate this to your team without undermining the project's progress? - 7
Type · technical
Walk me through the process of calculating the 'Combined Ratio' and why it is the most important metric for an insurance analyst. - + 2 more questions in this round (sign up to unlock)
5
Behavioral / Leadership
2- 8
Type · behavioral
STARTell me about a time you had to synthesize a large amount of conflicting data to provide a recommendation to a senior stakeholder. How did you decide which data points were most reliable? - 9
Type · behavioral
STARWhen working on a tight-deadline pitch, how do you handle a situation where a team member's output is consistently below the standard required for a client-facing document?
Unlock all 15 AIG questions, free
No credit card. Every question with its framework, the grading signals interviewers score against, and a worked answer for each.
Interview tracks at AIG
How AIG's DNA translates across functions. Pick your role.
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Practice AIG interviews end-to-end
AIG Mock Interview
Run a live mock interview with our AI interviewer using AIG-style prompts. Get scored on structure, signal, and answer length - exactly how the real loop grades you.
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STAR Stories for AIG Behavioral Rounds
Build a Story Bank of your past wins, mapped to the leadership signals AIG interviewers grade on. Reuse them across every behavioral round.
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AIG Interview Prep Hub
The frameworks behind every AIG round: CIRCLES for product sense, hypothesis-driven debugging for analytical, STAR for behavioral. Learn each one in 10 minutes.
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Interview Frameworks
CIRCLES, STAR, AARRR, RICE, MECE. The exact frameworks that make AIG interviewers nod instead of frown. Step-by-step playbooks with the moves and the pitfalls.
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Sample answers
What a strong answer to these AIG interview questions shows.
How does an increase in interest rates specifically affect the valuation of an insurance company's investment portfolio and its liability profile?
A strong answer shows: Understanding of asset-liability management; Macroeconomic awareness in a finance context.
Explain the impact of a significant increase in catastrophe losses on an insurer's balance sheet and how it flows through to the income statement.
A strong answer shows: Understanding of insurance underwriting mechanics; Ability to trace accounting entries through financial statements.
Frequently asked questions
How long does the AIG interview process take?
Most candidates spend between 4 and 8 weeks from recruiter screen to offer. The onsite loop itself runs in a single day or is split across two half-days, with debrief and offer typically within 5 business days after.
How should I prepare specifically for AIG?
Focus on three things: (1) the company DNA shown above - what they actually grade for, (2) the rounds in your loop, especially the round most candidates underestimate, and (3) drilling on the question types in this guide using a structured framework like CIRCLES or STAR.
Does this apply to engineering or design roles at AIG?
The DNA stays the same - what changes is the round mix. SWE candidates face coding screens instead of Product Sense; designers face portfolio reviews and design exercises. The "what they value" and behavioral signals carry across all functions.
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