AIA policies—which predominantly consist of life, health, and financial protection products rather than general property or auto lines—are underwritten directly by AIA's own licensed operating entities, such as AIA Australia Limited. As an independent primary insurer, AIA maintains its own capital reserves, regulatory solvency compliance, and risk pools under the oversight of financial regulators. It does not operate as an intermediary relying on third-party underwriters for its core life and health portfolios.
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