Annual Report 2013 Worldwide revenues geographically 2012 Amounts in EUR millions Americas The  Nether- lands United  Kingdom New  Markets Holding,  other  activities  and  elimina- tions Segment  total Associ- ates and  Joint  Ventures  elimina- tions Consoli- dated Total life insurance gross premiums 6,541 3,004 6,047 1,374 (73) 16,893 (693) 16,200 Accident and health insurance premiums 1,833 220 - 188 - 2,241 (11) 2,230 General insurance premiums - 475 - 144 - 619 - 619 Total gross premiums 8,374 3,699 6,047 1,706 (73) 19,753 (704) 19,049 Investment income 3,654 2,273 2,337 319 - 8,583 (170) 8,413 Fees and commision income 1,177 329 133 524 (263) 1,900 (44) 1,856 Other revenue 5 - - 3 5 13 (4) 9 Total revenues 13,210 6,301 8,517 2,552 (331) 30,249 (922) 29,327 Number of employees, including agent employees 11,967 4,457 2,793 7,160 473 26,850 (2,443) 24,407 By product segment Amounts in EUR millions 2012 2011 % Life 1,068 992 8% Individual Savings & Retirement 490 476 3% Pensions 352 227 55% Non-life 15 51 (71%) Distribution 15 - - Asset management 101 60 68% Other (224) (303) 26% Associates 34 41 (17%) Underlying earnings before tax 1,851 1,544 20% Business overview  Results of operations – Worldwide 22