Business overview  Business lines 16 Business lines Americas • Life & Protection • Pensions New Markets • Individual Savings & Retirement  • Employer Solutions & Pensions • Central & Eastern Europe • Spain The Netherlands • Life & Savings • France • Asia • Pensions • Non-life • Distribution United Kingdom • Life • Aegon Asset Management • Variable Annuities Europe Includes Aegon’s businesses and operating units in the United  States, Canada, Brazil, and Mexico. Products with mortality, morbidity and longevity risks, including  traditional and universal life, as well as endowment, term,  and whole life insurance products. Accident and health  business, including supplemental health, accidental death and  dismemberment insurance, critical illness, cancer treatment,  credit/disability, income protection, and long-term care  insurance. Primarily variable annuity products and retail mutual funds.  Currently fixed annuities are not actively sold. Includes both individual and group pensions, as well as  401(k)-type of pension plans, and stable value solutions. Products with mortality, morbidity, and longevity risks, including  traditional and universal life, as well as employer, endowment,  term, whole life insurance products, mortgages, saving deposits,  and annuity products. Individual and group pensions usually sponsored by, or obtained  via, an employer.  General insurance, consisting mainly of automotive, liability,  disability, household insurance, and fire protection. Independent distribution channel, offering both life and non-life  insurance solutions.  Immediate annuities, individual protection products, such as term  insurance, critical illness, and income protection. Individual pensions, including self-invested personal pensions  and income drawdown products. Group pensions, sponsored  by, or obtained via, an employer. Also includes the tied-agent  distribution business. Includes all businesses and operating units in Central & Eastern  Europe, Asia, Spain and France, as well as Aegon’s variable  annuity activities in Europe and Aegon Asset Management. Active in the Czech Republic, Hungary, Poland, Romania, Slovakia,  Turkey, and Ukraine. Includes life insurance, individual and group  pension products, savings and investments, as well as general  insurance. Distribution partnerships with Spanish banks, offering life  insurance, accident and health, and general insurance and  investment products. Partnership with French insurer and pension specialist AG2R  La Mondiale. Direct and affinity products are marketed in Asia through Aegon  Direct & Affinity Marketing Services. Aegon offers life insurance  to high-net-worth individuals via the Transamerica brand.  Aegon has joint ventures in China, India, and Japan. Products  include (term) life insurance in China and India, and variable  annuities in Japan. Variable annuities offered by Aegon companies operating in  Europe and international/offshore bonds for the UK market. Asset management products, including equity and fixed income,  covering third party clients, insurance-linked solutions, and  Aegon’s own insurance companies. Annual Report 2013