Although this may not necessarily reduce the overall demand for insurance products and services, it may alter the patterns of demand and the nature of insurance cover required, to which AIG will need to respond to remain competitive. https://www.responsiblejewellery.com/wp-content/uploads/RJC_Auditor_Accreditation_Criteria_Thttps://www.responsiblejewellery.com/wp-content/uploads/RJC_Auditor_Accreditation_Criteria_T004_2016.pdf https://www.kimberleyprocess.com/ 332020 Environmental, Social and Governance Report AIG’s Enterprise Risk Management (ERM) integrates the risk management functions in each of our business units and provides senior management with a consolidated view of AIG’s key risks.