They say the third objection they often hear is that American International Group Inc (NYSE:AIG) was irrational, "too competitive," reduced pricing too much, didn't use any data and were completely disorganized. In fact, some say the company was basically competing with itself because of how unorganized it was. However, they point to what competitors say about the company. Specifically, they point to something Chubb recently said, which was basically that a large, overly competitive company once spoiled the workers' compensation market but that now the market is good enough to write in.