Aegon vs Unum

This page compares Aegon and Unum, and presents how their business models, financial performance, and market context relate to one another. It offers a neutral overview of strategy, products, governance, and competitive position in the insurance and financial services landscape. The aim is to illuminate key factors without guidance or recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AEG

Metric

UNM

$11.83B

Market Cap

$12.63B

15.03%

Potential Profit

19.76%

Strong Buy

Analyst Rating

Buy

Investment Analysis

Aegon

AEG

Pros

Aegon is one of the world’s largest life insurance, pensions, and asset management companies with a strong international presence including the US and Europe.
The company maintains a very strong capital position and solid solvency ratios, reflecting financial resilience to market shocks.
Aegon has a strong brand presence in the US market supported by strategic acquisitions and partnerships, enhancing market competitiveness.

Considerations

Operating performance has been weaker compared to peers, reflected in past net losses and restructuring costs impacting profitability.
There is a material difference historically between the operating result after tax and net result due to one-off items and restructuring.
The company faces challenges from declining general account investments and extensive hedging programs, which may complicate future earnings growth.

Unum

UNM

Pros

Unum Group is a well-established insurer specializing in disability, life, and supplemental insurance with a strong brand in the US market.
The company benefits from stable cash flows due to consistent demand for income protection products and diversified insurance offerings.
Unum has demonstrated recent share price appreciation and trading volume increases, suggesting positive investor sentiment and liquidity.

Considerations

Unum’s business is exposed to regulatory risks and potential changes in disability and life insurance regulations that could impact profitability.
The insurance sector cyclicality and sensitivity to economic conditions pose execution risks for the company’s growth prospects.
Unum faces intense competition from larger insurance firms which could pressure margins and limit market share expansion.

About The Companies

Aegon (AEG)

Aegon NV is a Dutch-based international financial services holding company with a history stretching back over 175 years. The company operates across numerous countries, offering a broad range of products in insurance, pensions, long-term savings, and asset management. In the United States, it is widely known through its Transamerica brand, providing life insurance and retirement solutions. In its home market, the Netherlands, it focuses heavily on pensions, life insurance, and mortgages. The company also has a significant presence in the United Kingdom as an investment platform for advisers and employers. Aegon's global reach extends into Asia through a joint venture in China and into Southern Europe via a partnership with Banco Santander in Spain and Portugal. This diversified model allows it to serve a wide variety of customers, from individuals to large corporations, with their long-term financial planning needs, although all investments carry risk and past performance is no guarantee of future returns.

Unum (UNM)

Unum Group (UNM) is a US-focused provider of employee benefits and individual disability and life insurance. The company’s revenue mix leans on recurring group-premium contracts sold to employers and organisations, giving it relatively predictable cash flows but exposing it to collective claim trends. Investors often watch Unum for its underwriting performance, claims management, and investment income, since insurers rely on bond portfolios and interest rates to support profits. Key considerations include sensitivity to economic cycles, potential for elevated claims or reserve adjustments, and regulatory oversight affecting pricing and capital. With a market capitalisation near $13.0bn, Unum is a mid-cap insurer that may appeal to investors seeking exposure to the employee-benefits niche, but it carries sector-specific risks and earnings can be cyclical. This summary is educational only and not personalised investment advice; values can rise and fall and past performance is not a guide to future returns.

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Aegon vs Unum

Comparison Snapshot

Investment Analysis

Aegon

Pros

Considerations

Unum

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy AEG or UNM in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Aegon vs Stifel

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Frequently asked questions

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How is “market context” used in this comparison?

What is meant by capital position and solvency in this page?

Why are past losses or restructuring costs mentioned for Aegon?

What do steady cash flows indicate for Unum?

How does regulatory risk affect these insurers?

What role does competition play in their prospects?

How can macroeconomic conditions influence performance?

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Educational disclaimer

Comparison Snapshot

About The Companies