Company: AEGOF
Filing Date: 2025-01-13
Form Type: 6-K
Source: 0001193125-25-005043
Chunk: 3

Company: AEGON LTD.
Filing Date: 2025-01-13
Form: 6-K
Chunk 3
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 | Lowering of one or more of insurer financial strength ratings of Aegon’s insurance subsidiaries and the                                  
 adverse impact such action may have on the written premium, policy retention, profitability and liquidity of its insurance subsidiaries; |

| • |     | The effect of applicable Bermuda solvency requirements, the European Union’s Solvency II requirements, and                                    
 applicable equivalent solvency requirements and other regulations in other jurisdictions affecting the capital Aegon is required to maintain; |

| • |     | Changes in the European Commissions’ or European regulator’s position on the equivalence of the 
 supervisory regime for insurance and reinsurance undertakings in force in Bermuda;              |

| • |     | Changes affecting interest rate levels and low or rapidly changing interest rate levels; |

| • |     | Changes affecting currency exchange rates, in particular the EUR/USD and EUR/GBP exchange rates; |

| • |     | Changes affecting inflation levels, particularly in the United States, the Netherlands and the United Kingdom; |

| • |     | Changes in the availability of, and costs associated with, liquidity sources such as bank and capital markets                  
 funding, as well as conditions in the credit markets in general such as changes in borrower and counterparty creditworthiness; |

| • |     | Increasing levels of competition, particularly in the United States, the Netherlands, the United Kingdom and 
 emerging markets;                                                                                            |

| • |     | Catastrophic events, either manmade or by nature, including by way of example acts of God, acts of terrorism, 
 acts of war and pandemics, could result in material losses and significantly interrupt Aegon’s business;      |

| • |     | The frequency and severity of insured loss events; |

| • |     | Changes affecting longevity, mortality, morbidity, persistence and other factors that may impact the 
 profitability of Aegon’s insurance products and management of derivatives;                           |

| • |     | Aegon’s projected results are highly sensitive to complex mathematical models of financial markets,                                                                                                                                            
 mortality, longevity, and other dynamic systems subject to shocks and unpredictable volatility. Should assumptions to these models later prove incorrect, or should errors in those models escape the controls in place to detect them, future 
 performance will vary from projected results;                                                                                                                                                                                                  |

| • |     | Reinsurers to whom Aegon has ceded significant underwriting risks may fail to meet their obligations; |

| • |     | Changes in customer behavior and public opinion in general related to