Mastercard does not undertake any insurance business or acting as an insurer, insurance broker, insurance advisor or insurance agent. American International Group, Inc. (AIG) or their authorized representative, and not Mastercard, is providing the relevant insurance benefits. Mastercard does not advise any person on the merits of buying, selling, subscribing for, or underwriting a contract of insurance. The insurance program is conducted as a necessary part of other services provided by Mastercard in the course of its business. Aside from fees related to its services provided pursuant to this benefits program, Mastercard does not collect a fee or other remuneration collected for this insurance program directly from Mastercard cardholders.