Company: AEGOF
Filing Date: 2025-03-14
Form Type: 6-K
Source: 0001193125-25-054719
Chunk: 3

Company: AEGON LTD.
Filing Date: 2025-03-14
Form: 6-K
Chunk 3
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 in the real estate market; Default of a major financial market participant; Failure by reinsurers to which Aegon has ceded risk; Downgrade 
 in Aegon’s credit ratings; Fluctuations in currency exchange rates; Unsuccessful management of derivatives; Subjective valuation of Aegon’s investments, allowances and impairments;                                                                      |

| • |     | Underwriting risks - Differences between actual claims experience/underwriting and reserve assumptions; Losses on                                                                                                                                   
 products with guarantees due to volatile markets; Restrictions on underwriting criteria and the use of data; Unexpected return on offered financial and insurance products; Reinsurance may not be available, affordable, or adequate; Catastrophic 
 events;                                                                                                                                                                                                                                             |

| • |     | Operational risks - Competitive factors; Difficulty in acquiring and integrating new businesses or divesting                                                                                                                                         
 existing operations; Difficulties in distributing and marketing products through its current and future distribution channels; Slow to adapt to and leverage new technologies; Failure of data management and governance; Epidemics or pandemics;    
 Unsuccessful in managing exposure to climate risk; Unidentified or unanticipated risk events; Aegon’s information technology systems may not be resilient against constantly evolving threats; Computer system failure or security breach; Breach of 
 data privacy or security obligations; Inaccuracies in econometric, financial, or actuarial models, or differing interpretations of underlying methodologies; Inaccurate, incomplete or unsuccessful quantitative models, algorithms or calculations; 
 Issues with third-party providers, including events such as bankruptcy, disruption of services, poor performance, non-performance, or standards of service level agreements not being upheld; Inability to                                           
 attract and retain personnel;                                                                                                                                                                                                                        |

| • |     | Political, regulatory, and supervisory risks - Requirement to increase technical provisions and/or hold higher                                                                                                                                   
 amounts of regulatory capital as a result of changes in the regulatory environment or changes in rating agency analysis; Political or other instability in a country or geographic region; Changes in accounting standards; Inability of Aegon’s 
 subsidiaries to pay dividends to Aegon Ltd.; Risks of application of intervention measures;                                                                                                                                                      |

| • |     | Legal and compliance risks - Unfavorable outcomes of legal and arbitration proceedings and regulatory                                                                                                                                                     
 investigations and actions; Changes in government regulations in the jurisdictions in which Aegon operates; Increased attention to sustainability matters and evolving sustainability standards and requirements; Tax risks; Difficulty to effect service 
 of process or to enforce judgments against Aegon in the United States; In