Company: AEGOF
Filing Date: 2025-11-03
Form Type: 6-K
Source: 0001193125-25-261793
Chunk: 4

Company: AEGON LTD.
Filing Date: 2025-11-03
Form: 6-K
Chunk 4
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     | The effects of global inflation, or inflation in the markets where Aegon operates; |

| • |     | 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 United Kingdom, emerging markets and in 
 relation to Aegon’s shareholding in ASR Nederland N.V. and asset management business, the Netherlands;           |

| • |     | 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, among other things, the type of products 
 Aegon sells, including legal, regulatory or commercial necessity to meet changing customer expectations;        |

| • |     | Customer responsiveness to both new products and distribution channels; |

| • |     | Third-party information used by us may prove to be inaccurate and change over time as methodologies and data 
 availability and quality continue to evolve impacting our results and disclosures;                           |

| • |     | As Aegon’s operations support complex transactions and are highly dependent on the proper functioning of                                                                                                                                                 
 information technology, operational risks such as system disruptions or failures, security or data privacy breaches, cyberattacks, human error, failure to safeguard personally identifiable information, changes in operational practices or inadequate 
 controls including with respect to third parties with which Aegon does business, may disrupt A