1. 1 Virtual Insurance Basic-life in the Dutch broker market Ansfried Snijders AAG CEO Basic-life October 10, 2002 Santiago de Chile

2. 2 Introduction  The Dutch Insurance market and ASR’s position  Basic-life; the virtual company  Supervision

3. 3 ASR’s position in the Dutch market (2001 market share in %) ING ASR Achmea AEGON Interpolis Delta Lloyd Big Six Others Total market Life 21 13 7 12 9 7 69 31 100 (€ 25,6 bln) Non-life 10 11 3 6 46 54 100 (€ 17,9 bln) Total 16 12 9 8 7 60 40 100 (€ 43,5 bln)

4. 4 A broker market  75% of life business  55% of non-life business  9000 brokers  4-5 FTE’s  2000 clients ASR: a real broker company

5. 5 Basic-life  The foundation in 1999  24 november 1999  TPA’s and party’s involved  brokers’ reaction  products

6. 6 Virtual

7. 7 The people Ansfried Snijders general manager Frodo Korff marketing Marcilla van Rooijen Office manager Mary Matthijsse controlling Rijn van der Linden sales Simon Zwijgers staff

8. 8 Basic-life The processes:  Client- Internet + Extranet  Broker- Internet + Extranet  Basic-life- Intranet  TPA’s- Intranet  PVK- Paperwork! Chain integration

9. 9 Datawarehouse DWH Basic-life TPA’s Clients Brokers Security transparency

10. 10 Supervision  Effectiveness  Reliability  Security  eXtensible Business Reporting Language (XBRL)