Layoffs are on the horizon now that a subsidiary of American International Group Inc. has completed its merger with 21st Century Insurance Group. About 11 percent of the combined workforce will be eliminated as a result of the merger. “We regret the necessity of eliminating positions as a result of the merger,” said AIG Executive Vice President, Domestic Personal Lines, Robert M. Sandler. “Combining two separate insurance companies naturally results in some duplication, necessitating these difficult integration decisions, which we are implementing as quickly as possible.” According to Sandler, employees affected by the merger have been briefed concerning the job actions and timing, severance arrangements, and the availability of positions within the organization. The new combined organization, to be named aigdirect.com, will be headquartered in Wilmington, Del., and Woodland Hills. Bruce Marlow, Chief Executive Officer of 21st Century, will serve as President, and Tony DeSantis, President of AIG Marketing, will serve as Chief Operating Officer.