Aegon NV is a holding company was formed on October 18, 1983 through the merger of AGO and Ennia, both of which were successors to insurance companies. The Company through its member companies that are collectively referred to as Aegon or the Aegon Group is an international life insurance, pensions and asset management company. Its businesses focus on life insurance, pensions and asset management. Aegon is also active in accident, supplemental health, and general insurance, and has some limited banking activities. The Company's operations are conducted through its operating subsidiaries. Aegon operates in more than 25 countries in the Americas, Europe and Asia, and serves millions of customers. Its main markets are the United States, the Netherlands and the United Kingdom. has the following reportable operating segments: the Americas, which includes the United States, Mexico and Brazil; the Netherlands; the United Kingdom; and New Markets, which includes a number of countries in Central & Eastern Europe and Asia, as well as Spain, Portugal, and the reporting units Variable Annuities Europe and Aegon Asset Management. Aegon's subsidiary companies in the United States contain two divisions acting through one or more of the Aegon USA life insurance companies: Life & Protection and Investments & Retirement; The Company competes with other insurers, as well as non-insurance financial services companies such as banks, broker-dealers and asset managers, for individual customers, employers, other group customers, agents and other distributors of insurance and investment products. The Company is subject to regulation under the laws of the states in which it is domiciled.