products The intercession activities in real estate comprise brokerage activities of residential as well as commercial real estate and real estate management business. 

In the United Kingdom, the independent advisors, in which AEGON UK now has a significant position, deliver advice relating to financial needs to a range of customers (both individuals and companies). 

ÁB-AEGON in Hungary provides asset management services through its subsidiary, AEGON Securities. 

## ACCIDENT AND HEALTH INSURANCE 

## CUSTOMERS 

individuals companies 

Accident and health insurance contributed 11% to AEGON’s income before tax in 2003 (13% in 2002 and 6% in 2001). Accident and health products are sold to individuals and companies through (independent) agents, brokers and direct marketing in the United States, the Netherlands, Hungary and Spain. 

AEGON offers limited forms of health insurance, including disability insurance in the Netherlands, Hungary and Spain and accidental death and dismemberment insurance in the United States, but does not offer major medical coverage. 

AEGON USA also offers cancer treatment, heart disease and intensive care policies in the United States, that are sold to individuals on a voluntary basis at their place of employment with premium payment made through payroll deduction. These plans provide specified income payments during hospitalization, scheduled benefits for specific hospital/surgical expenses and cancer treatments, hospice care, and cover deductible and co- payment amounts not covered by other health insurance and Medicare supplement products. 

Long-term care products offered by AEGON USA provide benefits to customers who because of their advanced age or a serious illness require continuous care. Long-term care policies offered include nursing home coverage, home health care, assisted living and adult day care services and protect the insured’s income and retirement savings from the costs of long-term nursing home or home health care. 

In Canada, AEGON offers accidental death and out-of-the- country medical expense coverages. 

## DISTRIBUTION 

(independent) agents brokers direct marketing 

## GENERAL INSURANCE 

## CUSTOMERS 

individuals companies 

General insurance contributed 2% to AEGON’s income before tax in 2003 (2.6% in 2002 and 2% in 2001). General insurance is sold to individuals and companies through (independent) agents and brokers in the Netherlands, Hungary and Spain. 

AEGON offers limited forms of general insurance in selected markets, such as automobile insurance, liability insurance, household insurance and fire protection. 

## BANKING 

## CUSTOMERS 

individuals companies 

Banking products contributed 0.8% to AEGON’s income before tax in 2003 (0.3% in 2002 and 1% in 2001) and are only sold by AEGON The Netherlands. Distribution channels are direct marketing, (independent) agents, retailers and franchise organizations. 

AEGON’s banking products include savings accounts and investment contracts (i.e. securities lease products). Both products generate investment spread income for AEGON. Savings accounts offer attractive interest rates while retaining flexibility to withdraw cash with limited restrictions. AEGON discontinued selling securities lease products in early 2003. Banking products also include investment products that offer index-linked returns and generate fee income on the performance of the investments. 

## DISTRIBUTION 

(independent) agents brokers 

## DISTRIBUTION 

(independent) agents direct marketing retailers franchise organizations 

