Risk Disclosure Statement

Investment in insurance-linked products is subject to market risk. Please read all policy-related documents carefully before investing.

1. No Guarantee of Returns

The value of investments may fluctuate due to various market factors. There is no assurance or guarantee that the objectives of any insurance-linked product will be achieved. Past performance of any such product is not indicative of future returns. We do not provide any guarantee of returns on any insurance product.

2. Role as an Intermediary

SagaWealth.in acts as an intermediary for the distribution of insurance products. Our role is to assist you in selecting products based on the information you provide about your financial situation, risk tolerance, and goals. However, the final decision rests solely with you. You are responsible for independently evaluating the merits and risks of any insurance policy.

3. Market and Other Risks

Insurance-linked products may be subject to various risks, including but not limited to:

• Market Risk: The risk of loss due to changes in market factors affecting the value of the investment component of a policy.
• Credit Risk: The risk that the insurance company will be unable to meet its obligations.
• Liquidity Risk: The risk of not being able to access funds from a policy quickly without penalty.
• Interest Rate Risk: The risk that a change in interest rates will cause the value of a policy to rise or fall.

We shall not be held liable for any loss, damage, or consequence that may arise from any insurance decision made by you.

4. Consult an Expert

We strongly recommend that you consult with your own financial advisor or tax professional to understand the suitability and tax implications of any insurance product before making a decision.