} else { } What we do Our products and services Aegon Corporate About us What we do Aegon's purpose is to help our customers achieve a lifetime of financial security, at every stage of their life. Whether you are starting a family or a new job, or are ready to retire. To that end, we offer various types of insurance, savings, banking and retirement products. We believe retirement should remain affordable and sustainable in the 21st century. This is critical, because being able to retire is one of the greatest challenges people face. In fact, recent Aegon research proves that just 17% of people have a written financial plan for retirement. Government spending on old age pensions already takes up more than 10% of GDP in countries such as France, Germany and Poland, and this figure continues to grow. Our business model Solutions development and pricing Development of our financial solutions begins with our customers. We assess their needs, and develop products and services to suit them. Then, we estimate and price the risk involved for us as a provider. Distribution Our products and services are then branded, marketed and distributed. We offer products and services via intermediaries, like brokers, banks or financial advisors. We also sell directly to our customers. Investments In exchange for products and services, customers pay fees or premiums. On certain pension-, savings and investment products, customers make deposits. By investing this money, we earn returns for our customers. Claims and benefits From premiums, deposits and investment returns, we pay out claims, benefits and plan withdrawals. With the remainder we cover our expenses, fund new investments, and generate profits for our shareholders. Products and services Products and services offered by Aegon, Transamerica, our daughters and our joint ventures. Insurance Life (universal, whole and term) Accident and health Property and casualty Long-term savings Retirement plan service Annuities Mutual funds Stable value solutions Banking Digital banking services Residential mortgages Asset management Retail and institutional investment management solutions Retirement savings vehicles and strategies How customers can purchase Aegon's products and services We offer a range of options from direct purchasing of products to intermediary-assisted access, depending on the individual countries where we are active. Our goal is to benefit from a direct relationship with customers, while offering our customers more sophisticated solutions, which require sound financial advice. A variety of brokers, agents, banks, employee benefit consultants and independent financial advisors work with us. This multi-channel approach allows Aegon to serve a diverse customer universe. Responsible business We believe that doing business in a responsible way will create sustainable positive financial, social and environmental results that serve all stakeholders. Find out more Our businesses Aegon has businesses in Europe, Asia and the Americas offering products and services in the life insurance, pension, retirement and asset management fields. Find out more About us Governance Our businesses Contact Aegon Investors Financial results Analyst consensus Shareholders Dividends Financial calendar Newsroom News and updates Press releases Annual reports Sustainability Responsible investment Corporate citizenship Document library Careers Vacancy search Global careers Privacy Statement Cookie Statement Accessibility Disclaimer General terms and conditions Aegon 2021 We use cookies to make sure that our website works correctly and that you have the best experience possible. Cookies provide us important website use information. We also use cookies to provide tailored content, based on how you interact with our website and related emails.Read our Cookie Statement. Choose Cookies Accept All