HODLife Insurance Company Ltd.
Risk Disclosure Statement

HODLife provides insurance solutions linked to digital assets. Digital assets are speculative, highly volatile, and involve significant risks. This statement is intended to provide transparency regarding the inherent risks of such investments and does not constitute financial, investment, or legal advice.

• Extreme Volatility: The price of Bitcoin and other digital assets is subject to extreme market volatility, which may differ significantly from the performance of traditional insurance assets.
• Capital Loss: Investment in digital assets involves a high degree of risk, and you should only invest capital that you are prepared to lose entirely.
• Stablecoin De-pegging: Investments in stablecoins (e.g., USDC, USDT) carry the risk of de-pegging from the underlying fiat currency and potential counterparty insolvency.

• Asset Security: Digital assets are subject to unique risks, including but not limited to, private key loss, unauthorized access, and theft.
• Infrastructure & Smart Contracts: Reliance on custodial infrastructure and blockchain technology carries inherent risks related to technical failures, cyber-attacks, and smart contract vulnerabilities.
• Custodial Partnerships: While we partner with institutional-grade custodians, the loss of access or custodial failure could impact asset availability.

• Global Regulatory Environment: The legal status of digital assets varies by jurisdiction and is subject to evolving global regulatory frameworks, which may impact liquidity, accessibility, or the ability to hold such assets.
• Policy Constraints: Regulatory changes could affect the underlying investment structure of your insurance policy.

Regulation by the Bermuda Monetary Authority (BMA) confirms our compliance with established financial standards but does not constitute a guarantee of the performance or the safety of any investment product, including digital asset-linked insurance policies.

By engaging with HODLife's services, you acknowledge that you have read, understood, and accepted these risks. We encourage you to seek independent professional advice before making any investment decisions.