Create and share valueHow we create and share value

We have a long-term commitment to the communities in which we operate. We seek to contribute to sustainable economic growth and to support organizations aligned with our efforts to help people achieve a lifetime of financial security.

Our annual Aegon Retirement Readiness Survey has been measuring attitudes and aspirations for retirement since 2012 with the Aegon Retirement Readiness Index (ARRI). The Aegon Retirement Readiness Index (ARRI) measures retirement preparedness on a scale from 1 to 10 based on responses to six questions: three broadly attitudinal and three behavioral. Scores of 8 and higher are considered to be high retirement readiness, scores of 6 to 7.9 as medium, and less than 6 as low. Index scores are calculated based on responses from 16,000 people in 15 countries (1,000 respondents per country and 2,000 in China).1 Central to the findings of our 2016 report, ‘A Retirement Wake-up Call’, is the lack of progress in retirement preparedness across the globe. The widespread lack of financial preparedness is of great concern, and reflects a need to improve financial literacy to avoid the risks of not having an adequate retirement plan.

Through our research centers – the Aegon Center for Longevity and Retirement, the Transamerica Center for Retirement Studies, the Transamerica Center for Health Studies, and the recently launched Instituto de Longevidade Mongeral Aegon in Brazil – we provide the latest information on longevity and retirement.

We work with academic institutes to improve understanding of the link between changing demographics and financial security. We instigate public debate and encourage governments and others to implement policies to help people save for the future. We presented our research during the Organisation  for Economic Co-operation and Development (OECD) Forum in Paris in June 2016, and were invited by the US Senate Special Committee on Aging to share written testimony on innovations to promote retirement security.

1 The regional indices comprise the following countries: Americas: US, Canada, and Brazil; Europe: Netherlands, UK, Spain, Hungary, Poland, Turkey, Germany, and France; Asia: China, Japan, India, and Australia. Between 2014 and 2015, Sweden was removed from the index and replaced by Australia.


We made total donations to charities and other good causes of over €8 million in 2016


The value of voluntary work undertaken by our employees in 2016 was more than €1 million


of our businesses offer 'inclusive insurance products'.

Investing in financial security

As well as investing in research, we carry out community investment activities and impact investments.

At Aegon Asset Management, we offer products that have the best possible long-term returns. This includes investing for maximum positive societal impact. In 2015, we carried out an assessment of microfinance, and found that some microfinance options make sense for us from both a risk-return and social perspective. In 2016, we invested €43 million in two microfinance funds, responsAbility and Triodos Microfinance Fund and followed up with a further €32 million investment in 2017.

Community investment

Sometimes we give money to our communities because we feel strongly about a cause. In 2016 alone, we gave €8.8 million to charitable organizations mainly targeting health, welfare and literacy.

Our social partnerships often reflect the connection between health and the prospects for long-term financial security. For example, we partner with the American Heart Association to promote healthy eating and heart-healthy lifestyles.

When you get right down to it, Aegon is made up of a lot of people who want to help others. Our colleagues repeatedly prove they care by giving their time and energy for others.

In 2016, our employees used 23,353 paid-time hours to volunteer, including a combined effort for Volunteer Friday. Hundreds of employees from Aegon businesses in the Netherlands signed up to work with charities throughout the country for a day. In the US, for the fifth consecutive year, Transamerica employees volunteered for a full day or more to repair or build homes for Habitat for Humanity. More than 300 colleagues participated in seven cities across the country.  

The Instituto de Longevidade Mongeral Aegon provides us with solid data on why it’s important for us to keep our older citizens active, healthy and engaged



Maria Lúcia Cavalcante Dejavite is president of the Associação Paulista dos Economiários (APEA), which promotes the rights of 10,000 retired banking employees in Brazil.

“We aim to improve the quality of life for older people, but we cannot do that by talking about ‘impressions’ or ‘hunches’,” she says. “We need reliable research and indicators to understand the demographic shift and to effect change. The Instituto de Longevidade Mongeral Aegon provides us with solid data on why it’s important for us to keep our older citizens active, healthy and engaged, so that they can contribute to the economic development and social well-being of the country.”