Company: AEGOF
Filing Date: 2025-05-15
Form Type: F-3ASR
Source: 0001193125-25-120338
Chunk: 3

Company: AEGON LTD.
Filing Date: 2025-05-15
Form: F-3ASR
Chunk 3
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 • |     | Changes in the policies of central banks and/or governments; |

| • |     | Litigation or regulatory action that could require us to pay significant damages or change the way we do 
 business;                                                                                                |

| • |     | Competitive, legal, regulatory, or tax changes that affect profitability, the distribution cost of or demand for 
 our products;                                                                                                    |

| • |     | Consequences of an actual or potential break-up of the European monetary 
 union in whole or in part;                                               |

| • |     | The rapidly changing landscape for environmental, social and governance responsibilities and potential challenges 
 by private parties and governmental authorities related to our ESG efforts;                                       |

| • |     | Changes in laws and regulations, particularly those affecting our operations’ ability to hire and retain key             
 personnel, taxation of our companies, the products we sell, and the attractiveness of certain products to our consumers; |

| • |     | Regulatory changes relating to the pensions, investment, and insurance industries in the jurisdictions in which 
 we operate;                                                                                                     |

2

| • |     | Standard setting initiatives of supranational standard setting bodies such as the Financial Stability Board and                                                                                                                                        
 the International Association of Insurance Supervisors or changes to such standards that may have an impact on regional (such as EU), national (such as Bermuda) or U.S. federal or state level financial regulation or the application thereof to us; 
 and                                                                                                                                                                                                                                                    |

| • |     | Changes in accounting regulations and policies or a change by us in applying such regulations and policies,                  
 voluntarily or otherwise, which may affect our reported results, shareholders’ equity or regulatory capital adequacy levels. |

Further details of potential risks and uncertainties affecting us are described in our filings with the Netherlands Authority for the Financial Markets and the U.S. Securities and Exchange Commission (the “ SEC”). These forward-looking statements speak only as of the date of this document. Except as required by any applicable law or regulation, we expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in our expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based. 3

ABOUT THIS PROSPECTUS

This prospectus is part of a registration statement that we filed with the SEC, as a “well-known seasoned issuer” as defined in Rule 405 under the
Securities Act of 1933, as amended (the “Securities Act”), utilizing