Mortgage insurance helps lenders and investors achieve a variety of goals:

• Risk transfer.
• Expand into newer markets.
• Credit enhancement for execution of securitisations.
• Capital management.

To achieve these objectives, AIG United Guaranty offers flexible, innovative and tailor-made solutions ranging from standard (ground up) insurance to excess of loss coverage (xol) and pool insurance.

• Standard (Ground Up) Insurance provides cover for all loans above a given loan to value ratio in a particular portfolio.
  
  
• Excess of Loss (XOL) coverage provides protection to lenders above a specified value or percentage of losses incurred. The lender, in this instance, would cover the losses up to the specified value or percentage themselves.
  
  
• Pool Insurance insures individual loans in a specific pool.

We believe in sharing best practices and efficiently working with lenders to achieve their goals from mortgage insurance.