Important information about us

Insurise Financial Services Limited
PUBLICLY AVAILABLE INFORMATION
Disclosure Statement: 16.02.2026

Our company:
Insurise Financial Services Limited, FSP710771 trading as Insurise Financial Services Limited is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.

Insurise Financial Services Limited is authorised to provide financial advice services under the Financial Advice Provider Class 2 License under the FAP licence.

We can provide advice on the following:
As a financial advice provider, we provide the following:

Services:

• Personal Risk Insurance Advice
• Business Risk Insurance Advice
• International Student & Visiting NZ Travel Insurance Advice

Products:

• AIA
• Asteron
• Fidelity
• nib
• Chubb
• Partners Life
• Southern Cross
• SCTI
• Orbit Protect

Our fees and costs:
Insurise Financial Services Limited is generally remunerated by the providers of the products we recommend; however, there are some instances where we may charge a fee for a particular service.

Formulating and implementing an insurance plan can take considerable time and Insurise reserves the right to charge a one-off Advice Fee to compensate for this time. Generally, the commission paid by the providers is sufficient to cover this charge; however, where you do not proceed with recommendations, we may charge you directly. You will be invoiced for the fee, and this will be payable within 7 days of the invoice date.

When reviewing existing insurances for new clients, Insurise Financial Services Limited may charge a fee. This fee will be calculated on the following basis: a base advice fee of between $600 – $3,000 (including GST), then $300 (including GST) per hour after the first 10 hours. This fee will be agreed with the client when determining the Scope of the advice. The fee will be payable after the Statement of Advice has been provided to the client, by the client by the 20th of the month.

Our commissions:
We receive commission from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Insurise Financial Services Limited. The amount of the commission is based on the amount of the premium.

• Risk and Health Insurance – Upfront, with range between 30% to 230% of the first year’s premium.
• Risk and Health Insurance – Trail, with range between 5% – 20% following year.
• International Student and Visiting NZ Travel Insurance – 13% – 14% of total premium.

Break Fee:
If you cancel the insurance policy within two years, the product provider may charge us a fee, and we may on-charge the costs to you. As a professional financial adviser, my hourly rate for assessing your needs, preparing suitable recommendations and implementing your selected solutions is $300 per hour. Normally, if you choose to implement the solutions recommended, this cost is covered by a commission the providers pay to me at the percentages noted elsewhere in this document. There are conditions on that commission amount, however, that require the policy to be in place for a requisite period and in the event it is cancelled earlier, I will be required to relinquish some of that commission which may mean there is an outstanding cost for my hourly fee $300 multiplied by the hours of work invested that I would then need to pass on to you. As the criteria may be different for each provider. I am committed to ensuring my solutions are linked to your stated goals and objectives so there should be little chance of you not finding value in retaining any solution put in place as agreed between us.
From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.

To ensure our financial advisers prioritise clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. Insurise Financial Services Limited monitors these registers and provides additional training where necessary.

Insurise Financial Services Limited undertakes an annual review of our compliance programme by a reputable compliance provider.

If you have a complaint:
We are always looking for ways to improve our services to you. If something has gone wrong, we want to know.

Please send an email to donny@insurise-financial.co.nz and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your compliant, please attach them to your email.

When we receive a complaint, we will:

• acknowledge your complaint within two working days
• gather and evaluate information about your complaint
• respond to you within 20 working days

If we cannot resolve your complaint to your satisfaction, you can contact Financial Services Complaints Limited – A Financial Ombudsman Service (FSCL). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs.

FSCL’s role is to investigate and fairly resolve complaints. Their service is free (it does not cost you anything).

FSCL’s contact details are:

• • • fscl.org.nz
    • 0800 347 257
    • complaints@fscl.org.nz
    • FSCL, PO Box 5967, Wellington 6140

Reliability/Disciplinary History
There have been no professional indemnity insurance or negligence claims, disputes resolution actions, or disciplinary actions.

Our duties and obligations to you:
Insurise Financial Services Limited has duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

• give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
• exercise care, diligence, and skill in providing you with advice
• meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.

You can contact us at:
Insurise Financial Services Limited, FSP710771 trading as Insurise Financial Services Limited is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.