Financial Advice Disclosure

NZ Insure Limited is a member business of Wealthpoint. Our advisers act for Wealthpoint Limited (FSP678011), which holds an FMA financial advice provider licence. NZ Insure does not hold a separate FAP licence.

Ask for your adviser’s disclosure statement, available on request and free of charge. Before advice begins, we will identify the adviser responsible and explain the scope of the work. A general website guide does not establish an adviser-client engagement or replace advice about your circumstances.

NZ Insure’s insurance work covers personal and business needs. The agreed scope and the adviser’s competence and provider appointments determine what we can advise on. Wealthpoint’s wider network offers other services; these are not all offered by NZ Insure.

• Life, trauma, permanent disability, income protection and health insurance, including relevant group arrangements.
• Business protection involving key people, business debt and succession or ownership arrangements.
• General insurance for homes, contents, vehicles, boats, commercial property, business interruption, liability and marine cargo.
• Residential lending: referral only. KiwiSaver: information and application assistance only. We do not provide advice on investment funds under management.

Our advice is limited to products and providers available through the relevant adviser’s approved arrangements. We will identify those relevant to your engagement before giving advice. Existing policies may carry former insurer names. An insurer appearing in an article or partner section does not establish that every product is available through NZ Insure or that your adviser is appointed for it.

Providers may pay commission to Wealthpoint, which retains a share and pays the balance to the member business. Amounts and ongoing payments vary. Any client fee will be explained before the work is agreed.

If a life policy arranged through NZ Insure is cancelled within 24 months and the insurer requires commission to be repaid, a cancellation fee may apply under the disclosed terms. The fee may be calculated as the reasonable value of advice work (hours worked at $150 per hour) or the amount clawed back by the insurer. We will explain the applicable calculation in writing. This website update does not vary existing signed fee arrangements.

Advice must prioritise your interests and meet the required standards of care, competence and professional conduct. Commissions, incentives and supplier-supported training can create conflicts. Recommendations follow your goals and circumstances and are subject to Wealthpoint quality assurance. Relevant interests are disclosed during the advice process.

Tell us about a service or advice concern by calling 0800 800 918, emailing norman.huang@nzinsure.co.nz, or writing to PO Box 33740, Takapuna 0740. We may ask for information to understand the issue.

We aim to resolve concerns promptly. If not resolved immediately, NZ Insure will acknowledge receipt within two business days. The resolution target is ten working days; if more time is needed, we will explain the next steps. These timeframes relate to complaints, not a general enquiry response promise.

If a complaint remains unresolved or you are dissatisfied with the proposed outcome, contact the free, independent Insurance & Financial Services Ombudsman Scheme (IFSO): info@ifso.nz or 0800 888 202. Postal address: PO Box 10-845, Wellington 6143.

Website guides and news are general information. Reading a page or requesting a conversation does not apply for, activate, renew, cancel or change insurance. Cover depends on the relevant policy, exclusions, limits and insurer acceptance.

Published dates identify when information was checked; articles can become out of date. Ask us to clarify anything important to your decision. External sites operate under their own terms and privacy notices. These website terms do not remove any rights you have under applicable law.