a.s.r. operates solely in the Dutch market. The five biggest insurers (Achmea, Aegon, a.s.r., Athora and NN Group) hold a joint share of 76% (2020: 75%) of this mature market, based on the gross written premiums (GWP) in 20211. In 2021, a.s.r.’s market share amounted to 17.1% (2020: 16.6%) of the insurance market excluding health insurance.
The organisation of a.s.r. consists of five business segments. All insurance activities are represented in the Life and Non-life segments. In addition to life insurance, the Life segment includes the product lines pensions and funeral insurance. The Non-life segment covers traditional non-life, income protection and medical insurance as product lines. The remainder of a.s.r.’s business segments are Asset Management, Distribution and Services, and Holding and Other.
Fee-based business with growth potential;
Robust and predictable service books, with a substantial contribution to the profitability of a.s.r.