Products

Fitting solutions for everyone

Products are sold through the Group's diversified distribution network, which includes direct marketing, agents, banks, brokers, independent financial advisors and other partners. AEGON now uses a 'Lines of Business' format for financial reporting. These lines of business are:

• Life
• Individual savings & Retirement products
• Pensions
• Life reinsurance
• Distribution
• Non-life
• Asset management

Life

AEGON is one of the world’s leading providers of life insurance and financial protection products, serving millions of customers across the globe. AEGON offers a broad range of traditional, term, universal, permanent life insurance, as well as individual and group financial protection, including accident and health cover.

Individual savings & Retirement products

AEGON helps individuals and families around the world save for their retirements, increasingly important as people in many countries live longer, healthier lives. AEGON provides a wide variety of savings and retirement products, including retail mutual funds and fixed and variable annuities. AEGON provides individual savings and retirement products mainly in the United States and the Netherlands.

Pensions

With people living longer lives and governments increasingly shifting responsibility for retirement provisioning to the private sector, AEGON believes demand for pensions will continue to grow in the years ahead. AEGON has strong pension businesses not only in its main markets – the United States, the Netherlands and the United Kingdom – but also in new, emerging markets like Central & Eastern Europe.

Distribution

AEGON has distribution businesses in both the Netherlands, through its Unirobe-Meeùs subsidiary, and in the United Kingdom through Positive Solutions and Origen. In both countries, AEGON companies sell and distribute a wide range of insurance products and other financial services.

Life reinsurance

AEGON provides a range of life and annuity reinsurance products. The company’s core product – mortality risk transfer – is offered primarily through coinsurance, but is also available under yearly renewable term arrangements. AEGON offers life reinsurance services in the United States and Asia.

Non-life

Generally, AEGON offers non-life insurance cover only when it serves the company’s distribution objectives to do so. The company offers some limited general insurance in the Netherlands and in Hungary – primarily car, liability, household and fire insurance.