About a.s.r.

What we do

a.s.r. is the Dutch insurance company for all types of insurance. Via the a.s.r., De Amersfoortse, Ditzo, Europeesche Verzekeringen and Ardanta brands, a.s.r. offers a wide range of financial products covering non-life, life and income protection insurance, group and individual pensions, health insurance, and travel and leisure, and funeral insurance. Besides insurance products, the a.s.r. product range includes savings and investment products and bank savings products. In addition, a.s.r. invests in developing and operating real estate.

Non-life insurance

Our non-life product line offers non-life insurance products to retail customers under the a.s.r. and Ditzo labels. The product portfolio includes road traffic, fire, third-party liability and legal assistance insurance. a.s.r. is firmly ranked in the top three non-life insurance companies in the Netherlands.

Occupational disability insurance

Our occupational disability insurance business is operated by De Amersfoortse, which is also known as the insurance company for business owners. De Amersfoortse leads the market for occupational disability insurance.

Health insurance

a.s.r. offers health insurance under the labels De Amersfoortse and Ditzo.

Life insurance

The life insurance product line comprises all insurance policies that involve asset-building, asset reduction, asset protection, family income protection and funeral expenses for consumers and business owners.

Pension insurance

The pension business counts SMEs, large enterprises and pension funds among its customers. Products are distributed in close cooperation with consultants. Pensions are offered under our a.s.r. label.

Funeral expenses insurance

Ardanta has been the label for funeral expenses insurance for more than 40 years now. To Ardanta, respect, compassion for surviving dependants and dying wishes are of paramount importance. Ardanta works in partnership with reputable funeral homes throughout the Netherlands.


ASR Bank N.V. develops banking products for the Dutch market. More than 6,000 intermediaries, who have signed a partnership agreement with a.s.r., sell these products to retail customers.


a.s.r. arranges for the acceptance process of two residential mortgage product lines. The WelThuis hypotheek mortgage is a.s.r.’s active product line.

a.s.r. Real Estate

Our real estate product line is made up of two successful businesses:

Asset management

We manage the a.s.r. assets and from May 2016 on we also offer our asset management skills to institutional clients. We believe in long term and sustainable investments. We are typically Dutch: