The Holdings of American International Group include the operating entities and subsidiaries of insurance conglomerate American International Group (AIG) that operates in over 130 countries. The Company's business consists of four core areas: General Insurance, Life Insurance & Retirement Services, Financial Services and Asset Management.   United Guaranty Corporation, doing business as AIG United Guaranty, offers mortgage insurance products and services to mortgage lenders. The company, together with its subsidiaries, provides risk management and financial services. It also offers mortgage guaranty insurance for first and second mortgages that protects against mortgage credit losses. The company's range of financial products and services to lenders and investors includes mortgage fraud recovery services and private education loan default insurance. In addition, it provides contract underwriting, customer billing, and underwriting operations to support affiliate companies of United Guaranty Corporation, as well as reinsurance coverage of first-lien residential home mortgages in Hong Kong.