Insurance products are obligations only of the Insurance company. They are not under any obligations
of or guaranteed by united health lumina Private Limited ("unitedhealthlumina.com") or any of its
affiliates or subsidiaries or any Governmental agency. unitedhealthlumina.com, any of their
affiliates and group entities are not insurance companies, dealers, brokers, sub-dealers,
sub-brokers, distributors, or agents. United Health Lumina does not sell, distribute, or solicit any
type of insurance on any platform branded under "United Health Lumina Private Limited."