a.s.r. is a leading insurer in the Netherlands based on market share. a.s.r. helps customers in sharing risks and accumulating wealth for the future. It offers services and products in the areas of insurance, pensions, and mortgages for consumers, entrepreneurs, and employers. Additionally, a.s.r. is active as an asset manager also for third parties. a.s.r. considers the interests of people, the environment, society, and future generations. a.s.r. is listed on Euronext Amsterdam and included in the AEX. a.s.r.’s headquarters are in Utrecht, with additional locations in Enschede, Groningen, Heerlen and Leeuwarden. a.s.r. has 7,373 employees.
a.s.r. aims to be an insurer that customers can rely on, a stable financial institution which offers shareholders the prospect of a fair return, a people-oriented employer, and a valuable member of society. Central to a.s.r.'s mission is helping customers insure risks they do not want or cannot bear themselves. This can include damage to a vehicle, home, or home contents, medical expenses, funeral costs, or providing a guaranteed income when someone is temporarily unable to work. a.s.r. also offers mortgages and services for people who want to accumulate wealth for later or for retirement, and for those who need asset management.
Strategy
The core of a.s.r.'s strategy is long-term value creation for its key stakeholders: customers and intermediaries, employees, shareholders, and society. a.s.r. is ambitious and aims to be the leading pension provider in the Netherlands, a prominent mortgage lender, and a leader in sustainability. It sees opportunities to strengthen its position and grow further in Property & Casualty (P&C) insurance, Disability insurance, and Asset Management in the coming years. a.s.r. also aims to expand its role in the value chain with its distribution and service companies. In Individual life, Funeral, and Health insurance, a.s.r. aims to maintain its current position.
a.s.r. wants to be the best financial service provider for customers and advisors, offering simple and transparent products and services that meet their needs. a.s.r. works closely with independent intermediaries who know customers' personal situations well and can give them the best advice. It is essential to maintain and build excellent relationships with advisors, who play a crucial role in serving customers, especially in the growth markets of P&C, disability, pensions, and mortgages. a.s.r. also offers customers the ability to quickly and easily manage their affairs and new insurances in the digital a.s.r. environment.
a.s.r. is cost-efficient and financially healthy, and it handles the money that customers entrust to it with care. a.s.r. must be financially strong to meet its obligations and ensure continuity for customers and employees. a.s.r. offers shareholders the prospect of a fair return.
Sustainability strategy
Sustainability is integrated into a.s.r.'s daily operations. The Policy on Sustainable Insurance describes how sustainability is part of the underwriting process. The ambition is to develop products and services that contribute to solving social issues and reduce negative impact. As part of the product approval and review processes a newly developed or further developed insurance product is tested before it can be introduced to the market. The Policy on Responsible Investments sets requirements for investments made. This policy includes criteria for various ESG themes to manage significant sustainability risks and limit adverse effects of investment decisions on sustainability. Existing products must also go through a product approval and review process periodically. Within this process, several criteria are reviewed, including customer interest and social interest. As a large insurer, a.s.r. wants to contribute to solving social issues and has therefore identified three focus areas where it can make the greatest impact:
Financial self-reliance and inclusion: a.s.r. helps people take responsible risks and make conscious financial choices to avoid or get out of debt. It pays attention to the inclusion of various target groups, including vulnerable groups.
Vitality and sustainable employability: a.s.r. is committed to preventing illness, absenteeism, and disability among employees, employers, and its customers. This enables people to stay healthy longer and contribute to society. a.s.r. creates opportunities for its employees to continue developing and increase their chances in the job market, both within and outside a.s.r.
Sustainable living and climate: a.s.r. helps customers live more sustainably through its insurance products and advice. As a major investor, a.s.r. invests in activities that reduce climate impact, support the energy transition, and restore biodiversity, thereby reducing climate risk. a.s.r. also pays attention to the environmental impact of its offices, transport, and procurement within its own operations. a.s.r. does it. Nu, later en altijd.