30 ❏  AMERICAS In the Americas, AEGON has taken steps to realign the organization  and this new structure is delivering positive results. Refocusing  distribution and consolidating administrative functions will enable  the company to reduce operating expenses while continuing to  grow the business. FOCUS ON…  Susan Neff, AEGON USA Underlying earnings by lines of business  In USD million Number of employees Underlying earnings  before tax Revenue-generating  investments 2.1 320 billion USD billion USD 897  Life and protection 664  Individual savings and retirement products 385  Employer solutions and pensions 105  Life reinsurance 60  Other 12,958