AG Life Strategy Global Defensive

AG Insurance
Product Identification
Product type: 
Class 23 Insurance fund
Manager(s): 
AG Insurance
Distributor(s): 
BNP Paribas Fortis
This product invests in other sustainable portfolios.
Sustainability strategies used in the product
Exclusion of certain controversial activities: 
Selecting the best performing companies or countries in a peer group: 
Screening based on international norm & standards: 
Integration of non-financial criteria in the selection process: 
Focusing on specific sustainability themes: 
Pursuing measurable societal impact: 
Engaging in a dialogue with companies and/or exercising voting rights: 

Engagement is always performed towards energy and electricity sector companies, if applicable.

Sustainability policies applied
UN Global Compact
Exclusion of companies and countries involved in UN Global Compact violations: 
Policy type: 
Qualitative conditions
Weapons
Exclusion of companies significantly involved in weapons: 
Policy type: 
Quantitative restrictions
Max. allowed company involvement (% of revenue): 
10%
Max. allowed company involvement in controversial weapons (% of revenue): 
0%
Tobacco
Exclusion of companies significantly involved in tobacco: 
Policy type: 
Quantitative restrictions
Max. allowed company involvement (% of revenue): 
10%
Fossil Fuel Extraction
Coal Extraction
Exclusion of companies significantly involved in coal extraction: 
Policy type: 
Quantitative restrictions
Max. allowed company involvement (% of revenue): 
10%
Unconventional Oil & Gas Extraction
Exclusion of companies significantly involved in unconventional oil & gas extraction: 
Policy type: 
Quantitative restrictions
Max. allowed company involvement (% of revenue): 
10%
Companies with a higher involvement in unconventional oil & gas extraction can be included within strict limits: 
Temporary
Conventional Oil & Gas Extraction
Exclusion of laggard conventional oil & gas extraction companies: 
Policy type: 
Quantitative restrictions
Min. required share of natural gas and/or renewables: 
At least 40% revenue from natural gas extraction and/or renewable energy resources
Portfolio exposure to the fossil energy sector (indicative): 
Not reported
Electricity Generation
Exclusion of laggard electricity generation companies: 
Nuclear energy policy type: 
Not yet part of analysis
Max. allowed carbon intensity or energy mix: 
Carbon emission intensity less than 429 gCO2/kWh or Energy mix max. 10% coal, 30% oil&gas, 30% nuclear
Portfolio exposure to the non-renewable electricity utility sector (indicative): 
Not reported
Tolerance for improving oil & gas and electricity companies
Max. share of the portfolio: 
5%
Other policies
Approach towards biodiversity: 
Part of ESG risk analysis
Approach towards water use: 
Part of ESG risk analysis
Approach towards taxation: 
Part of ESG risk analysis
Approach towards investing in agricultural commodities: 
Part of ESG risk analysis
Policies on other topics: 
Palm oil and wood pulp, Mining, Agriculture, Asbestos

Detailed policies can be found on the manager's website, on the product webpage (see links above) or on request by contacting the manager or distributor.

Country screening
Sustainability analysis of countries: 
Approach towards oppressive regimes: 
Part of ESG risk analysis
Approach towards the death penalty: 
Part of ESG risk analysis
Portfolio Details
Portfolio carbon intensity (indicative): 
Not reported
Data sources used
Corporate ESG analysis data sources: 
Sustainalytics, Trucost, MSCI ESG, ESG broker, Vigeo Eiris, International organisations, European databases, Civil society organisations, BNPP AM, Benchmarking Air Emissions database, Internal research, CDP, Transition Pathway Initiative

Important Notice

  • The information on this website is merely intended to help investors understand how financial products that have been awarded the “Towards Sustainability” label apply the requirements of the Towards Sustainability label to certain financial products.
  • The information on this website is no marketing material.
  • The information on this website does not constitute an invitation to invest in the financial products referred on this website. Persons considering investing in those financial products should refer to the website of the manufacturer of the product and consult all relevant product information and documents before doing so. They should also consider whether the relevant products are suitable for them, given their knowledge and experience, their financial situation and their investment objectives and needs.
  • The information on this website is not intended to provide any personal advice or recommendation (including but not limited to financial, investment, tax, accounting or legal advice).
  • The information on this website is for information purposes only and is not intended to constitute, and should not be construed as, an offer to sell or a solicitation of any offer to buy the financial products, especially not in jurisdictions where to do so would constitute a violation of the relevant law.
  • The release, publication or distribution of the materials on this website in certain jurisdictions may be restricted by law. Persons in such jurisdictions into which they are released, published or distributed, should inform themselves about, and observe, such restrictions.
  • Note that not all products are offered to retail clients in Belgium.
  • The information on this website is based on information received from the product manager. The information on this website will be updated from time to time. No investment decisions should be based relying only on the information on this website.