Aegon Ltd. provides insurance, pensions, retirement, and asset management services in the Americas, the Netherlands, the United Kingdom, and internationally. It offers life, accident, property and casualty, and health insurance; annuities, retirement plans, mutual funds, and stable value solutions; commercial and residential mortgage loans; digital saving services; retail and institutional investment management solutions; and investment vehicles. The company provides its …
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Competitive advantage assessment
Key strengths
Consistent Premium GrowthPremium growth trend is positive (signal score 1.00), reflecting successful new business generation and pricing momentum.
Consistent Investment IncomeInvestment consistency is high (score 0.92), reflecting a stable portfolio with predictable float income.
Key risks
Volatile Underwriting ResultsUnderwriting stability is low (score 0.08), indicating significant exposure to loss cycle or catastrophe volatility.
High Expense Ratio Vs PeersExpense efficiency is weak (score 0.00), with operating margin at 3.9% — below peers.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Aegon Ltd. New York Registry Sh ranks #8 of 17
scored companies in Insurance - Diversified by moat score — the top 47%.
The widest moat in the group is Arch Capital Group Ltd. (ACGL)
at 81/100.
Moat scores for companies ranked near AEG in Insurance - Diversified
How AEG scores on the Insurance & Reinsurance defenses
Underwriting Discipline
Score 21
· 25% of the moat score
Underwriting discipline is the core insurance moat, and it consists mostly of the willingness to lose business.
Float Investment Quality
Score 57
· 20% of the moat score
Float is the money an insurer holds between collecting premiums and paying claims — capital it invests but does not own.
Pricing Power
Score 84
· 18% of the moat score
For an insurer, pricing power is the ability to push rate ahead of claims inflation and keep the policyholders anyway.
Capital Strength & Solvency
Score 53
· 17% of the moat score
Capital is what lets an insurer credibly promise to pay a claim that has not happened yet, and it is scrutinised by regulators and rating agencies alike.
Operational Efficiency
Score 6
· 12% of the moat score
The expense ratio — what it costs to acquire and administer a policy — is the half of the combined ratio management fully controls.
Scale & Diversification
Score 18
· 8% of the moat score
Diversification is a real economic advantage in insurance rather than a portfolio preference: risks spread across perils, geographies and lines are less likely to arrive at once, so the same capital supports more premium.
What is Aegon Ltd. New York Registry Sh's moat score?
Aegon Ltd. New York Registry Sh (AEG) scores 43 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #8 of 17 scored companies in Insurance - Diversified, the top 47%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 17 companies in Insurance - Diversified. Its strongest defense is Pricing Power (84/100) and its weakest is Operational Efficiency (6/100).
How does Aegon Ltd. New York Registry Sh compare with other Insurance - Diversified companies?
Aegon Ltd. New York Registry Sh ranks #8 of 17 scored companies in Insurance - Diversified by moat score. The widest moat in Insurance - Diversified is Arch Capital Group Ltd. (ACGL) at 81/100. The companies ranked closest are Berkshire Hathaway Inc. (BRK-A) at 46 just above it and Sun Life Financial Inc. (SLF) at 40 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Insurance & Reinsurance in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 17 companies in Insurance - Diversified. The defenses are then weighted to produce the overall score out of 100.
Why is Aegon Ltd. New York Registry Sh scored with the Insurance & Reinsurance template?
An insurer is paid before it knows what its product cost, and invests the money in the meantime. Profit therefore comes from two sources that must both work: pricing risk better than rivals, and earning a return on the float those premiums create. The Insurance template scores that pair, along with the capital that lets a company survive the year in which the losses arrive together.
Which competitive defenses are measured for Aegon Ltd. New York Registry Sh?
The Insurance & Reinsurance template measures 6 defenses, and AEG scores: Underwriting Discipline (21), Float Investment Quality (57), Pricing Power (84), Capital Strength & Solvency (53), Operational Efficiency (6), Scale & Diversification (18). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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