Executive Board
Our company is governed by an Executive Board and a Supervisory Board. The Executive Board approves the strategy across the Achmea organization. The Supervisory Board monitors the Executive Board. Would you like to know who runs Achmea? Please find out more about our Executive Board members.
Biographies
Bianca Tetteroo (1969)
Chair of the Executive Board
Bianca Tetteroo joined the Executive Board in June 2015 and has held the position of Vice Chair since 1 January 2020. On 13 April 2021, Bianca Tetteroo was appointed Chair of the Executive Board.
Bianca Tetteroo completed her degree in Information Management and Accountancy at Nyenrode University in 1997. In addition, she completed several executive education programmes, including Corporate Governance and Leadership at INSEAD. She began her career in 1988 at what is now the accountancy firm Forvis Mazars. In 1996, she entered the financial sector at the then Fortis, where she held various positions, including within Asset Management and Insurance. In 2009, she moved to Achmea, where she became Chief Financial Officer of Syntrus Achmea. Since 2012, Bianca Tetteroo served as Chair of the Pension & Life division.
Bianca Tetteroo is responsible for the focus areas Strategy & Transformation (including IT), Human Resources/Management Development, Executive Office, Corporate Communications & Public Affairs and Internal Audit.
Bianca Tetteroo is Chair of the Board of Eurapco and a member of the Board of the Achmea Foundation. She is also a member of the Board of VNO NCW. In addition, Bianca Tetteroo is a member of the Board of the Verbond van Verzekeraars, where she holds the position of Chair. With effect from 1 July 2024, Bianca Tetteroo has been a non executive director of RELX Plc (formerly Reed Elsevier), and since 4 June 2025 she has been a board member of The Geneva Association.
Bianca Tetteroo completed her degree in Information Management and Accountancy at Nyenrode University in 1997. In addition, she completed several executive education programmes, including Corporate Governance and Leadership at INSEAD. She began her career in 1988 at what is now the accountancy firm Forvis Mazars. In 1996, she entered the financial sector at the then Fortis, where she held various positions, including within Asset Management and Insurance. In 2009, she moved to Achmea, where she became Chief Financial Officer of Syntrus Achmea. Since 2012, Bianca Tetteroo served as Chair of the Pension & Life division.
Bianca Tetteroo is responsible for the focus areas Strategy & Transformation (including IT), Human Resources/Management Development, Executive Office, Corporate Communications & Public Affairs and Internal Audit.
Bianca Tetteroo is Chair of the Board of Eurapco and a member of the Board of the Achmea Foundation. She is also a member of the Board of VNO NCW. In addition, Bianca Tetteroo is a member of the Board of the Verbond van Verzekeraars, where she holds the position of Chair. With effect from 1 July 2024, Bianca Tetteroo has been a non executive director of RELX Plc (formerly Reed Elsevier), and since 4 June 2025 she has been a board member of The Geneva Association.
Michel Lamie (1966)
Vice-Chairman and Chief Financial Officer
Michel Lamie joined the Executive Board with effect from 1 January 2017. He was appointed Chief Financial Officer on 1 April 2017 and Vice Chair of the Executive Board on 13 April 2021.
Michel Lamie is responsible for the focus areas Finance, Balance Sheet Management, M&A and Achmea Reinsurance. He is Chair of the Supervisory Board of Achmea Reinsurance Company N.V. and a statutory director of Achmea Schadeverzekeringen N.V. Until 1 October 2025, the date on which the strategic partnership between Achmea, Lifetri and Sixth Street (the owner of Lifetri) commenced, Michel Lamie was a statutory director of Achmea Pensioen en Levensverzekeringen N.V. With effect from the same date, he joined the Supervisory Board of Achmea Pensioen en Levensverzekeringen.
Michel Lamie is a chartered accountant and studied Economics and Accountancy at Vrije Universiteit Amsterdam. After completing his studies, he began his career at KPMG, after which he worked at RSA as CFO for the Benelux. He subsequently worked at Achmea, including as Group Director Finance & Control. From 2005, he was a member of the Board of De Goudse Verzekeringen, serving as Vice Chair and, from 2009 up to and including 2016, as Chair of the Board. In addition, Michel Lamie served for many years as a board member of the Verbond van Verzekeraars and as Chair of the Supervisory Board of the intermediary firm Van Lanschot Chabot (now Howden).
In addition to his positions at Achmea, Michel Lamie is a non executive director at Koninklijke De Heus.
Michel Lamie is responsible for the focus areas Finance, Balance Sheet Management, M&A and Achmea Reinsurance. He is Chair of the Supervisory Board of Achmea Reinsurance Company N.V. and a statutory director of Achmea Schadeverzekeringen N.V. Until 1 October 2025, the date on which the strategic partnership between Achmea, Lifetri and Sixth Street (the owner of Lifetri) commenced, Michel Lamie was a statutory director of Achmea Pensioen en Levensverzekeringen N.V. With effect from the same date, he joined the Supervisory Board of Achmea Pensioen en Levensverzekeringen.
Michel Lamie is a chartered accountant and studied Economics and Accountancy at Vrije Universiteit Amsterdam. After completing his studies, he began his career at KPMG, after which he worked at RSA as CFO for the Benelux. He subsequently worked at Achmea, including as Group Director Finance & Control. From 2005, he was a member of the Board of De Goudse Verzekeringen, serving as Vice Chair and, from 2009 up to and including 2016, as Chair of the Board. In addition, Michel Lamie served for many years as a board member of the Verbond van Verzekeraars and as Chair of the Supervisory Board of the intermediary firm Van Lanschot Chabot (now Howden).
In addition to his positions at Achmea, Michel Lamie is a non executive director at Koninklijke De Heus.
Daphne de Kluis (1969)
Daphne de Kluis joined the Executive Board in October 2021.
Daphne de Kluis studied Work and Organisational Psychology at the University of Amsterdam. In 1998, she joined ABN AMRO. After holding various positions within Commercial Clients and Corporate & Institutional Banking, she became Global Head of Debt Solutions in 2009 and Global Head of Financial Restructuring & Recovery in 2013. In 2017, she was appointed CEO Commercial Banking and became a member of the Executive Committee of ABN AMRO.
Daphne de Kluis is responsible for the Pension & Life division and Achmea Pension Services, as well as Achmea Investment Management, Achmea Mortgage Funds, Achmea Real Estate, Centraal Beheer PPI and Achmea Bank.
Daphne de Kluis is a member of the Supervisory Board of Achmea Bank N.V., a member of the Supervisory Board of Achmea Real Estate B.V. and a member of the Supervisory Board of Achmea Investment Management B.V. Until 1 October 2025, the date on which the strategic partnership between Achmea, Lifetri and Sixth Street (the owner of Lifetri) commenced, Daphne de Kluis was a statutory director of Achmea Pensioen en Levensverzekeringen N.V. With effect from the same date, she joined the Supervisory Board of Achmea Pensioen en Levensverzekeringen as Chair.
Daphne de Kluis studied Work and Organisational Psychology at the University of Amsterdam. In 1998, she joined ABN AMRO. After holding various positions within Commercial Clients and Corporate & Institutional Banking, she became Global Head of Debt Solutions in 2009 and Global Head of Financial Restructuring & Recovery in 2013. In 2017, she was appointed CEO Commercial Banking and became a member of the Executive Committee of ABN AMRO.
Daphne de Kluis is responsible for the Pension & Life division and Achmea Pension Services, as well as Achmea Investment Management, Achmea Mortgage Funds, Achmea Real Estate, Centraal Beheer PPI and Achmea Bank.
Daphne de Kluis is a member of the Supervisory Board of Achmea Bank N.V., a member of the Supervisory Board of Achmea Real Estate B.V. and a member of the Supervisory Board of Achmea Investment Management B.V. Until 1 October 2025, the date on which the strategic partnership between Achmea, Lifetri and Sixth Street (the owner of Lifetri) commenced, Daphne de Kluis was a statutory director of Achmea Pensioen en Levensverzekeringen N.V. With effect from the same date, she joined the Supervisory Board of Achmea Pensioen en Levensverzekeringen as Chair.
Robert Otto (1967)
Robert Otto joined the Executive Board in August 2015.
Robert Otto studied Law at Leiden University. After completing his studies, he began his career at ING in 1992. In his final role at the bank insurance group, he was responsible for ING Insurance and Postbank Insurance. After a two year period as CEO of OHRA, Robert Otto became Managing Director of the commercial division of Delta Lloyd in 2010. In mid 2013, he moved to Achmea, where he became Chair of the Non-Life & Income division.
Robert Otto is responsible for the Zilveren Kruis division, InShared and the foreign operating companies (OpCos) in Australia, Greece, Turkey and Slovakia.
Robert Otto is Chair of the Board (non executive director) of Eureko Sigorta and Interamerican Greece. He is also SOOA (senior officer outside Australia) and Michiel G. Delfos (1970) Chief Risk Officer Chair of the Board (non executive director) of Achmea Australia, Chair of the Supervisory Board of Union and Chair of the Supervisory Board of InShared.
In addition, Robert Otto is a board member of AMICE, ICMIF and the iFHP.
Robert Otto studied Law at Leiden University. After completing his studies, he began his career at ING in 1992. In his final role at the bank insurance group, he was responsible for ING Insurance and Postbank Insurance. After a two year period as CEO of OHRA, Robert Otto became Managing Director of the commercial division of Delta Lloyd in 2010. In mid 2013, he moved to Achmea, where he became Chair of the Non-Life & Income division.
Robert Otto is responsible for the Zilveren Kruis division, InShared and the foreign operating companies (OpCos) in Australia, Greece, Turkey and Slovakia.
Robert Otto is Chair of the Board (non executive director) of Eureko Sigorta and Interamerican Greece. He is also SOOA (senior officer outside Australia) and Michiel G. Delfos (1970) Chief Risk Officer Chair of the Board (non executive director) of Achmea Australia, Chair of the Supervisory Board of Union and Chair of the Supervisory Board of InShared.
In addition, Robert Otto is a board member of AMICE, ICMIF and the iFHP.
Lidwien Suur (1974)
Lidwien Suur joined the Executive Board in September 2019.
Lidwien Suur studied International Business at Maastricht University and began her career in 1998 at ING/Nationale Nederlanden. There, she held various positions, including Director of Income Protection Insurance and Programme Director Strategy. From early 2012, she held the position of Managing Director of Unigarant and ANWB Verzekeren and became a member of the ANWB Executive Board in 2014. In 2016, she was appointed CFO of ANWB.
Lidwien Suur is responsible for the Non-Life & Income division, Centraal Beheer, Interpolis and Distribution, Innovation & Brand. She is a statutory director of Achmea Schadeverzekeringen N.V. In addition, she is a member of the Supervisory Board of Achmea Reinsurance Company N.V., a member of the Supervisory Board of InShared and Chair of the Supervisory Board of N.V. Hagelunie. She is also a board member of Achmea Innovation Fund B.V. and Vice Chair of the Board (non executive director) of Interamerican Greece.
In addition, Lidwien Suur is a member of the Supervisory Board of Paleis Het Loo and a member of the Advisory Board of WIFS. Until mid 2025, Lidwien Suur was Chair of the Non-Life Insurance Sector Board of the Verbond van Verzekeraars and Chair of the Administrative Consultation between the Verbond van Verzekeraars and NVGA. Until 1 December 2025, Lidwien Suur was Chair of the Supervisory Board of the Dutch Reinsurance Company for Terrorism Damage, Vice Chair of the Motor Insurers’ Guarantee Fund and Vice Chair of the Dutch Motor Insurers’ Bureau.
Lidwien Suur studied International Business at Maastricht University and began her career in 1998 at ING/Nationale Nederlanden. There, she held various positions, including Director of Income Protection Insurance and Programme Director Strategy. From early 2012, she held the position of Managing Director of Unigarant and ANWB Verzekeren and became a member of the ANWB Executive Board in 2014. In 2016, she was appointed CFO of ANWB.
Lidwien Suur is responsible for the Non-Life & Income division, Centraal Beheer, Interpolis and Distribution, Innovation & Brand. She is a statutory director of Achmea Schadeverzekeringen N.V. In addition, she is a member of the Supervisory Board of Achmea Reinsurance Company N.V., a member of the Supervisory Board of InShared and Chair of the Supervisory Board of N.V. Hagelunie. She is also a board member of Achmea Innovation Fund B.V. and Vice Chair of the Board (non executive director) of Interamerican Greece.
In addition, Lidwien Suur is a member of the Supervisory Board of Paleis Het Loo and a member of the Advisory Board of WIFS. Until mid 2025, Lidwien Suur was Chair of the Non-Life Insurance Sector Board of the Verbond van Verzekeraars and Chair of the Administrative Consultation between the Verbond van Verzekeraars and NVGA. Until 1 December 2025, Lidwien Suur was Chair of the Supervisory Board of the Dutch Reinsurance Company for Terrorism Damage, Vice Chair of the Motor Insurers’ Guarantee Fund and Vice Chair of the Dutch Motor Insurers’ Bureau.
Michiel Delfos (1970)
Michiel Delfos joined the Executive Board in April 2022 as Chief Risk Officer.
Michiel Delfos joined Achmea in early 2014 as Director of Non-Life Insurance and became Chair of the Non-Life & Income division in October 2015. Prior to this, he held various management and executive positions at Delta Lloyd and ABN AMRO Insurance, with focus areas including Sales, Marketing, Operations, Finance and Legal Affairs. He studied International Economic Law at Leiden University.
Michiel Delfos is responsible for Risk Management, Compliance & Actuarial, Central Services, Stichting Achmea Rechtsbijstand, Legal Affairs, Governance, Regulatory Coordination and the Achmea Samen Duurzaam programme.
With effect from 1 March 2025, Michiel Delfos has been a member of the Supervisory Board of N.V. Hagelunie. In addition, on behalf of Achmea he participates in the CRO Forum, a group of professional risk managers from the European insurance industry focused on developing and promoting best practices in Risk Management. Until 1 September 2025, Michiel Delfos was Chair of the Supervisory Board of the Dutch Nuclear Insurance Pool.
Michiel Delfos joined Achmea in early 2014 as Director of Non-Life Insurance and became Chair of the Non-Life & Income division in October 2015. Prior to this, he held various management and executive positions at Delta Lloyd and ABN AMRO Insurance, with focus areas including Sales, Marketing, Operations, Finance and Legal Affairs. He studied International Economic Law at Leiden University.
Michiel Delfos is responsible for Risk Management, Compliance & Actuarial, Central Services, Stichting Achmea Rechtsbijstand, Legal Affairs, Governance, Regulatory Coordination and the Achmea Samen Duurzaam programme.
With effect from 1 March 2025, Michiel Delfos has been a member of the Supervisory Board of N.V. Hagelunie. In addition, on behalf of Achmea he participates in the CRO Forum, a group of professional risk managers from the European insurance industry focused on developing and promoting best practices in Risk Management. Until 1 September 2025, Michiel Delfos was Chair of the Supervisory Board of the Dutch Nuclear Insurance Pool.
Board secretary
