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What we do

Learn about our businesses, products and services.

Breadcrumb

  1. About us

We want to be there to support you whether you are starting a family or a new job, or are ready to retire. To that end, we offer various types of insurance, savings, banking and retirement products.

Business meeting

Our businesses

Aegon has businesses in Europe, Asia and the Americas. Our main brands are Aegon and Transamerica.
Find out more
Our strategy - compass

Our strategy

We strive to give people the confidence to find their own way and contribute to a better world.
Find out more
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Sustainability

Our approach to sustainability is key to helping people live their best lives and protecting the future for all of us.
Find out more
Integrated Annual Report 2022 cover image

Integrated Annual Report

This report outlines our business environment and material topics and how we address these through our purpose, vision, and strategy.
Find out more

Our business model

  • Solutions development and pricing

    Development of our financial solutions begins with our customers. We assess their needs, and develop products and services to suit. We then estimate and price the risk involved for us as a provider.
     

  • Distribution

    Our products and services are then branded and marketed, before being distributed via intermediaries that include brokers, banks, and financial advisors. We also sell to our customers directly.
     

  • Investments

    In exchange for products and services, customers pay fees or premiums. On certain pension, savings, and investment products, customers make deposits. We earn returns for our customers by investing this money.
     

  • Claims and benefits

    We pay out claims, benefits, and retirement plan withdrawals. We use the remaining funds to cover our expenses, support new investments, and deliver profits to our shareholders.
     

  • Products and services

    Products and services offered by Aegon, Transamerica, our daughters, and our joint ventures.

Products and services

Products and services offered by Aegon, Transamerica, our daughters and our joint ventures.

Insurance

  • Life (universal, whole and term)
  • Accident and health
  • Property and casualty

Long-term savings

  • Retirement plan service
  • Annuities
  • Mutual funds
  • Stable value solutions

Banking

  • Digital banking services
  • Residential mortgages

Asset management

  • Retail and institutional investment management solutions
  • Retirement savings vehicles and strategies

How customers can purchase Aegon's products and services

We offer a range of options from direct purchasing of products to intermediary-assisted access, depending on the individual countries where we are active. Our goal is to benefit from a direct relationship with customers, while offering our customers more sophisticated solutions, which require sound financial advice.

A variety of brokers, agents, banks, employee benefit consultants and independent financial advisors work with us. This multi-channel approach allows Aegon to serve a diverse customer universe.

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