Where we stand today
As an insurer: shaping a socially responsible future
For almost two centuries, our mission has remained unchanged: supporting the lives of our customers, today and tomorrow. Protection will always be essential, but we also know insurance has the power to shape a better future. That’s why we design products and services with sustainability at their core. Here are a few examples:
- AG’s home insurance with natural disaster coverage aligns with EU Taxonomy criteria and as such actively supports the transition to a greener society.
- Our electric vehicle ecosystem helps customers take confident steps towards sustainable mobility.
- The EcoBonus by AG rewards customers who select electric vehicles or energy-efficient, renewable-powered homes.
- In 2025, 42 of our savings and investment products carried the Towards Sustainability label [1], a strong signal of our commitment to responsible investing.
- My WellRi, My Mind, My Care and Return to Work, included in AG’s income protection coverage, actively support customers’ health and wellbeing.
- For corporate clients, we apply ESG criteria in our risk management to steer joint decision-making towards responsible and sustainable business operations.
Insurance is about more than protection – it’s a lever for positive change. Together with our customers, partners and employees, we are progressing towards a future that puts people and society first.
Towards Sustainability certification is awarded for a period of two years and is continuously monitored. For B23 structured funds, certification is awarded for the duration of the fund. Towards Sustainability is a quality standard under the supervision of the Central Labelling Agency of the Belgian SRI Label (CLA). To meet this standard, financial products must respond to a number of minimum requirements in relation to sustainability, both at the portfolio level and in the investment process. More information about the quality standard can be found on www.towardssustainability.be/en/quality-standard.
Earning this certification does not mean that this financial product meets your own sustainability objectives or that the certification fulfils the requirements of future national or EU regulations. You can find more information on this subject at https://www.fsma.be/fr/finance-durable.
As an investor: creating impact through sustainable investments
At AG, we see capital as a powerful lever for positive change. Investing is not only about returns; it’s an opportunity to help shape a more sustainable future. We began that journey in 2007 with our first sustainable investment solution, and that same ambition continues to guide us today. Our approach is anchored in a clear, robust framework for responsible investing:
- Exclude: We refrain from investing in countries, sectors or activities that go against our values, such as weapons, tax havens, tobacco, gambling, thermal coal, unconventional fossil fuels and companies that violate the UN Global Compact.
- Integrate: In every investment decision, we look beyond financial performance and factor in environmental, social and considerations to guide us towards sustainable choices.
- Engage: We use our voting rights and active dialogue with companies to encourage meaningful and lasting change.
As Belgium’s largest institutional investor, we put our investments to work for society. By the end of 2025, we had invested EUR 13.5 billion in assets that actively support sustainable development. Since 2025, we have mapped this impact directly to the United Nations Sustainable Development Goals (SDGs), making it clear where our money moves the needle most.
Our strongest SDG contributions through our investments:
We also track and monitor the carbon intensity of our portfolio using the Net Zero Asset Owner Alliance methodology. For equities and corporate bonds, we rely on the latest scope 1 and 2 CO₂ data reported by the companies we invest in. For infrastructure, we gather essential ESG information, including emissions, directly from our partners, supplemented with high-quality estimates when needed to complete the picture. This disciplined approach has already enabled us to reduce portfolio-wide CO₂ emissions by 54% since 2021.
At AG, we believe investments can accelerate the shift to an inclusive, low-carbon economy. Through responsible investing, we are helping create meaningful impact today for the world of tomorrow.
As an employer: growing together in an inclusive environment
Our ambition is simple and unwavering: to be a Great Place to Grow for All. For us, that means offering every colleague an inclusive, energising environment where their talent can truly take root and flourish. We provide the freedom, the resources and the encouragement people need to bring out their best and keep growing at every stage of their career.
We invest in leaders who elevate their teams, in a culture of continuous learning where open and constructive feedback is part of the everyday rhythm, and in a work environment where well-being genuinely comes first. It’s a place where colleagues feel safe to try, learn, ask and share – and where we grow stronger by growing together.
Our learning offer is deliberately extensive and accessible, giving every colleague the chance to grow. From digital skills and insurance expertise to well-being and leadership skills, colleagues can choose the format that suits them: structured classroom training, informal lunch sessions or tailored programmes for their team. Through our learning portal, employees design their own development journey, supported by managers who coach rather than direct. And with Learn2Grow, we offer personalised, long-term learning paths that help every colleague chart their own path forward.
At AG, diversity and inclusion are not ideals we talk about – they are values we live every day. We want everyone to feel welcome and to have equal opportunities at every stage, from recruitment to day-to-day collaboration. Our diversity, equity and inclusion action plan drives this ambition forward, from empowering women through our Female Leadership Programme to running year-round initiatives on topics such as neurodiversity, gender and multiculturalism.
In 2025, our fourth Sustainability Day once again brought together more than 1,000 colleagues for a full day of learning, inspiration and connection. A powerful reminder that the path to a sustainable future starts with a workplace where everyone can grow.
As a responsible company: creating impact through the way we operate
At AG, we take our responsibilities seriously. We conduct our business with integrity and with respect for people and the planet. Since 2019, we have been tracking the CO₂ emissions from our own operations – from our buildings and fleet to commuting patterns – and we continue to take tangible steps to reduce our footprint:
- 100% renewable electricity, including 883 solar panels across our offices
- Hybrid work options that allow more than 90% of our colleagues to work from home up to three days a week
- AG Campus, built to the highest standards of circular construction
- A green IT policy that extends the lifespan of laptops and donates devices we no longer need to organisations such as Digital for Youth
But corporate responsibility goes further than environmental action. Through AG Solidarity, we support around 60 organisations every year – a commitment we have maintained since 1996 – helping vulnerable young people and fighting poverty. And through Goods to Give, we redistribute nonfood products to those who need them most.
We bring the same mindset to our partnerships. Every new supplier is assessed on ESG criteria and signs our Supplier Code of Conduct, ensuring a shared commitment to environmental protection, human rights and responsible business practices.
We also inspire through sport. As the lead sponsor and owner of AG Insurance-Soudal, the women’s cycling team that joined the World Tour in 2024, we invest in emerging talent and in building a strong future for women’s cycling.
At AG, we believe business is about more than performance. It’s an opportunity to create positive, lasting impact. Together, we are building a world where respect and solidarity go hand in hand.