18 Business overview  Results of operations – Worldwide Annual Report 2013 New life sales Amounts in EUR millions 2013 2012 % Americas 464 520 (11%) The Netherlands 206 246 (16%) United Kingdom 1,014 936 8% New markets 228 253 (10%) Total life production 1,911 1,955 (2%) Gross deposits (on and off balance) Amounts in EUR millions 2013 2012 % Americas 28,424 27,042 5% The Netherlands 1,338 1,484 (10%) United Kingdom 281 37 - New markets 14,287 10,909 31% Total gross deposits 44,330 39,472 12% Worldwide revenues geographically 2013 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 6,187 3,515 6,537 1,349 (59) 17,529 (416) 17,112 Accident and health insurance premiums 1,787 243 - 170 - 2,200 (10) 2,190 General insurance premiums - 487 - 194 - 681 (44) 637 Total gross premiums 7,975 4,245 6,537 1,713 (59) 20,410 (471) 19,939 Investment income 3,370 2,310 2,054 233 - 7,968 (58) 7,909 Fees and commision income 1,273 328 80 583 (238) 2,026 (76) 1,950 Other revenue 4 - - 2 4 10 (3) 6 Total revenues 12,622 6,883 8,670 2,531 (293) 30,413 (608) 29,805 Number of employees, including agent employees 12,256 4,282 2,400 7,651 302 26,891 (3,417) 23,474 By product segment Amounts in EUR millions 2013 2012 % Life 1,017 1,068 (5%) Individual Savings & Retirement 507 490 3% Pensions 386 352 10% Non-life 12 15 (20%) Distribution 16 15 7% Asset management 95 101 (6%) Other (111) (224) 51% Associates 24 34 (29%) Underlying earnings before tax 1,945 1,851 5%