Through independent intermediaries, mandated agents, and via online, a.s.r. sells several types of Non-life and Life insurance products to business customers and private customers. Premiums received service as financial capital input for the investments. a.s.r. considers the investment portfolio to be a part of the downstream value chain. The investment portfolio includes corporate bonds, government bonds, equities, real estate, mortgages, and non-listed sector funds. a.s.r. is well aware that its activities also indirectly impacts and/or can be impacted by parties beyond direct customers and is actively managing these impacts. An example is employees of business customers of a.s.r. that have their pension arranged via a.s.r.