Profile Delta Lloyd Group

Our mission and ambition

Delta Lloyd Group offers financial security. We meet the demands and needs of our customers and of society. We deliver clear, reliable and contemporary solutions that create value for our customers, shareholders and employees.

We aim to increase our market share in the Netherlands and Belgium, driven by a solid financial position, a strong long-term focus and advanced risk management. In the medium term, we aim to be a top-three insurer in the Netherlands and among the top five in Belgium.

We have specific goals for corporate social responsibility, with a particular focus on integrity, customer interest, community involvement, good employment practices and the environment.

Our businesses

Life Insurance

We focus on group pensions but also offer a wide range of life insurance products through the intermediary distribution channel. We sell life insurance under the ABN AMRO Verzekeringen brand through our joint venture with ABN AMRO Bank in the Netherlands. OHRA sells life insurance products directly, mainly to individual customers. In Belgium, we sell individual and group life insurance under the Delta Lloyd brand, distributed through intermediaries and our own network of bank branches and tied agents. BeFrank, our joint venture with BinckBank and the first PPI in the Dutch market, offers innovative pension products at a very low cost.

General Insurance

We offer a broad range of general insurance products, principally in the Netherlands, to both retail and corporate customers. The products are distributed through intermediaries, brokers, pools and underwriting agents (Delta Lloyd), bank branches and online (ABN AMRO Verzekeringen) and online and other direct distribution channels (primarily OHRA). Delta Lloyd serves various niches, such as pleasure craft, wind farms, and technical installations and production facilities.


Our Dutch banking activities focus on mortgage and banksparen products. These are distributed through our sales channels. In Belgium, we offer a comprehensive range of products and services through our own bank branches and independent agents. In the Netherlands, Amstelhuys (a wholly-owned subsidiary of Delta Lloyd NV), is the originator of the majority of the residential mortgage portfolio and a funding vehicle.

Asset Management

This segment comprises the activities of Delta Lloyd Asset Management (including Cyrte Investments) and the asset management activities of various lines of business. Our product offering includes a range of investment funds for institutional and retail customers (via Dutch retail banks) and discretionary mandates for institutional customers. The remaining investments involve third-party institutional and retail assets. Certain other business lines of Delta Lloyd Group also manage assets.

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