American International Group (AIG) said today it is planning to record a $4.1 billion charge in the fourth quarter, net of $446 million in discount and loss sensitive business premium adjustments, to strengthen loss reserves in its Chartis property and casualty insurance subsidiaries.  AIG also said it has agreed with the Treasury Department that it will retain $2 billion of the net cash proceeds from the recently closed sale of AIG Star Life Insurance and AIG Edison Life Insurance Company, which it sold to Prudential Financial (PRU).