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## Business lines 

## Americas 

Includes Aegon’s businesses and operating units in the United States, Canada, Brazil, and Mexico. 

## • Life & Protection 

Products with mortality, morbidity and longevity risks, including traditional and universal life, as well as endowment, term, and whole life insurance products. Accident and health business, including supplemental health, accidental death and dismemberment insurance, critical illness, cancer treatment, credit/disability, income protection, and long-term care insurance. 

## • Individual Savings & Retirement 

Primarily variable annuity products and retail mutual funds. Currently fixed annuities are not actively sold. 

## • Employer Solutions & Pensions 

Includes both individual and group pensions, as well as 401(k)-type of pension plans, and stable value solutions. 

## The Netherlands 

## • Life & Savings 

Products with mortality, morbidity, and longevity risks, including traditional and universal life, as well as employer, endowment, term, whole life insurance products, mortgages, saving deposits, and annuity products. 

## • Pensions 

Individual and group pensions usually sponsored by, or obtained via, an employer. 

## • Non-life 

General insurance, consisting mainly of automotive, liability, disability, household insurance, and fire protection. 

## • Distribution 

Independent distribution channel, offering both life and non-life insurance solutions. 

## United Kingdom 

## • Life 

Immediate annuities, individual protection products, such as term insurance, critical illness, and income protection. 

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## • Pensions 

Individual pensions, including self-invested personal pensions and income drawdown products. Group pensions, sponsored by, or obtained via, an employer. Also includes the tied-agent distribution business. 

## New Markets 

Includes all businesses and operating units in Central & Eastern Europe, Asia, Spain and France, as well as Aegon’s variable annuity activities in Europe and Aegon Asset Management. 

## • Central & Eastern Europe 

Active in the Czech Republic, Hungary, Poland, Romania, Slovakia, Turkey, and Ukraine. Includes life insurance, individual and group pension products, savings and investments, as well as general insurance. 

## • Spain 

Distribution partnerships with Spanish banks, offering life insurance, accident and health, and general insurance and investment products. 

## • France 

Partnership with French insurer and pension specialist AG2R La Mondiale. 

## • Asia 

Direct and affinity products are marketed in Asia through Aegon Direct & Affinity Marketing Services. Aegon offers life insurance to high-net-worth individuals via the Transamerica brand. Aegon has joint ventures in China, India, and Japan. Products include (term) life insurance in China and India, and variable annuities in Japan. 

## • Variable Annuities Europe 

Variable annuities offered by Aegon companies operating in Europe and international/offshore bonds for the UK market. 

## • Aegon Asset Management 

Asset management products, including equity and fixed income, covering third party clients, insurance-linked solutions, and Aegon’s own insurance companies. 

