Delta Lloyd NV is a Netherlands-based financial services provider offering life insurance and pensions, general insurance, fund management and banking products and services. Delta Lloyd's activities are divided into five segments: the Life Insurance segment comprises Delta Lloyd�s life insurance, savings, pensions and annuity business activities; the General Insurance segment provides insurance cover to individuals and businesses for risks associated with motor vehicles, property, disability and liability, such as employers� liability and professional indemnity liability; the Bank segment unites retail banking and mortgage activities in Belgium, the Netherlands and Germany; the Asset Management invests funds for own risk and policyholders risk, provides investment management services for fund and manages investment funds; Other comprises any non-reportable segments such as mortgages unrelated to the Life and Bank segments and run-off activities.