Aegon Nederland

What Aegon Nederland does

Aegon Nederland was a Dutch insurance and financial services company headquartered in The Hague, providing personal insurance (auto, home contents, homeowners, liability, legal expenses, accident, and travel), health insurance (basic, supplementary, dental, and collective plans), life insurance and death risk cover, pension accumulation and management, mortgages (standard, starter, sustainability, and life annuity variants), investment services, and funeral insurance to Dutch consumers and employers. Its product portfolio was delivered through a hybrid distribution model combining direct digital self-service via asr.nl, personal financial advisors for complex products, and employer/group channels for collective pensions and health insurance. Customer-facing technology assets included an authenticated customer portal for policy and claims management, online quotation and calculators, the a.s.r. Vitality wellness platform with reward tiers, and digital financial planning tools such as Financieel Inzicht.

Since 2023, Aegon Nederland has been operationally integrated into ASR Nederland (a.s.r.), a 300-year-old Dutch insurer and the #2 insurer in the Netherlands. All major product migrations — covering pensions, mortgages, and life insurance — were completed by end-2025, with the formal legal fusion of Aegon Leven scheduled for July 2, 2026. The revenue model is built on recurring insurance premiums, one-time mortgage origination fees, and subscription-based pension and investment management fees. Capital and regulatory strength is anchored by ASR's reported Solvency II ratio of 218% (up from 198%) supported by €1.32 billion in organic capital creation. Post-integration, the combined entity serves a mass-market Dutch consumer base plus employer-sponsored group business, with a stated strategic emphasis on sustainability-themed products (sustainability mortgages, sustainable claims resolution, fossil fuel investment phase-down) and the Vitality ecosystem as cross-sell anchors.

Name

Aegon Nederland

Legal name

Aegon Nederland

Website

https://aegon.nl

Company type

Private

Founded year

1983

Operating status

Acquired

Headcount range

1,001–5,000 employees

Short description

Aegon Nederland, integrated into ASR Nederland (a.s.r.), is a Dutch insurance and financial services provider offering personal insurance, health, life, pension, mortgage, and investment products to Dutch consumers and employers through digital self-service, financial advisors, and group channels.

Ownership category

akta.pro rank

Product category

Personal Insurance and Financial Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241), Direct Life Insurance Carriers (524113), Pension Funds (525110)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Personal Auto Insurance (FSAJAMAA), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Personal insurance products
• Health insurance plans
• Residential mortgages
• Pension and life insurance
• Wealth management services

Headquarters

HQ city

The Hague

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: Collection of premiums from personal insurance products including auto, home contents, health, life, funeral, and accident insurance policies.
2. Mortgage Lending: Mortgage products including starter mortgages, sustainability mortgages, and life annuity mortgages for Dutch homeowners.
3. Pension Products: Pension accumulation and management products for individuals and employers, including personal pension and employer pension solutions.
4. Investment Management: Investment products for personal pension and goal-based investing purposes.

Distribution channels3 records

Marketing channels4 records

Core offering

Aegon Nederland sells personal insurance (auto, home contents, homeowners, liability, legal expenses, accident and travel), health insurance (basic, supplementary, dental and collective), residential mortgages (standard, starter, sustainability and life-annuity variants), individual pensions, life and death-risk insurance, investment solutions and funeral insurance via the Ardanta sub-brand. Its core offerings target Dutch individuals, with separate employer/group schemes for collective health and pension products.

Product overview

a.s.r. (formerly Aegon Nederland after merger) is a comprehensive insurance and financial services company offering a broad portfolio of products. The core offerings include: property and casualty insurance (auto, home, liability, legal expenses, accident, travel); health insurance (basic, supplementary, dental, and collective plans); retirement products (pension and mortgage products including ASR Hypotheek, Startershypotheek, Verduurzamingshypotheek, Levensrente Hypotheek); life insurance and death risk coverage; investment services (personal investing, pension investing, goal-based investing); and funeral insurance (directly and via Ardanta brand). Additional services include a.s.r. Vitality wellness program and digital financial planning tools. Following the acquisition of Aegon Nederland, a.s.r. has completed the migration of Aegon pension, mortgage, and life insurance products to its platform, with the legal fusion of Aegon Leven expected on July 2, 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Autoverzekering)
• Home Contents Insurance (Inboedelverzekering)
• Homeowners Insurance (Woonhuisverzekering)
• Personal Liability Insurance (Aansprakelijkheidsverzekering)
• Legal Expenses Insurance (Rechtsbijstandverzekering)
• Accident Insurance (Ongevallenverzekering)
• Annual Travel Insurance (Doorlopende reisverzekering)
• Basic Health Insurance (Basisverzekering)
• Supplementary Health Insurance (Aanvullende zorgverzekering)
• Dental Insurance (Tandartsverzekering)
• Collective Health Insurance via Employer
• ASR Mortgage (a.s.r. Hypotheek)
• Starter Mortgage (Startershypotheek)
• Sustainability Mortgage (Verduurzamingshypotheek)
• Life Annuity Mortgage (Levensrente Hypotheek)
• Pension Products (Pensioen)
• Life Insurance (Levensverzekering)
• Death Risk Insurance (Overlijdensrisicoverzekering)
• Personal Pension Investing (Pensioen beleggen)
• Goal-Based Investing (Doel beleggen)
• General Investment Account (Beleggen)
• Funeral Insurance (Uitvaartverzekering, including Ardanta brand)
• a.s.r. Vitality Wellness Program

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Aegon Leven (Aegon Life)coreStrategic or Co-development Partner · 2 July 2026Aegon Nederland has been integrated into ASR Nederland. The merger combines Aegon and a.s.r. to form a stronger, future-proof, and leading insurer in the Netherlands. Both companies have a long Dutch history and share the same ambition: to better serve customers, further improve products, and create more value for customers and employees. The legal fusion of Aegon Leven is expected to complete on July 2, 2026.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz: Global insurance leader with a Dutch presence offering comparable P&C, life, and health products; competes at the broader portfolio level rather than exclusively in Aegon's niche.
• Zurich Insurance Group: Established multi-line global insurer with Dutch operations spanning P&C and life; competes in adjacent segments at a broader portfolio level.

Direct peers

• Menzis: Dutch health insurer competing in the same basic, supplementary, and collective zorgverzekering products with comparable employer-distribution channels.
• CZ Groep: Major Dutch health insurer competing head-to-head in basic, supplementary, and dental health insurance offerings — the same regulated zorgverzekering segment where Aegon Nederland is active.
• NN Group: Major Dutch-headquartered insurer with strong life insurance and pension businesses; directly comparable in life, pensions, and investment-linked retail products overlapping with Aegon's legacy book.
• ASR Nederland (a.s.r.): Acquirer and parent of Aegon Nederland's integrated operations; ASR is the #2 Dutch insurer and operates a directly comparable product portfolio across P&C, health, life, pensions, and mortgages — making it the most direct functional peer.
• Vivat / SRLEV (Reaal): Dutch life, pension, and mortgage specialist with overlapping life and pension products to Aegon's legacy book, including comparable funeral insurance exposure.
• Achmea: Largest Dutch insurance group, offering health, life, P&C, and pensions in the same retail and employer channels. Achmea is the primary #1 competitor to ASR/Aegon Nederland across the same multi-line product set.
• VGZ (Coöperatie VGZ): Top-tier Dutch basic and supplementary health insurer; overlaps directly with a.s.r.'s zorgverzekering lines (basic, supplementary, dental, collective) in the same regulated market.

Emerging players

• Athora Netherlands: Dutch insurance carrier focused on closed and run-off life/pension books, comparable in product type to the run-off elements of Aegon Nederland's life and pension portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AEGON_NL
• Facebookfacebook.com/AegonNederland

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aegon Nederland