DISCLOSURE

Important Information About Us

Licensing information

Health & Life Specialists Group Limited (FSP770722) is a Financial Advice Provider (FAP) licensed and regulated by the Financial Markets Authority to provide financial advice.

Nature and scope of the advice

We only provide financial advice for life, health, and personal risk insurance in relation to the following products provided by the following providers:

• Fidelity Life Assurance Company Limited
• Partners Life Limited
• AIA New Zealand Limited
• Asteron Life Limited
• nib
• Cigna

Fees or expenses

Health & Life Specialists Group Limited and its advisers do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time.

You will need to pay the premium to product provider when premiums are due. This amount will be based on a number of factors, including the extent of the coverage, the length of time it covers and your excess.

Conflicts of interest and commissions

Health & Life Specialists Group Limited and its advisers are paid in the form of a commission from the product providers through which we place business. The amount of the commission we receive depends on the product provider. Typically we receive an upfront initial commission based on the premium and an annual ongoing commission for every year the premium is in force. We will provide more specific details of these commissions once we have talked to you and understand your needs.

Complaints handling and dispute resolution

If you are not satisfied with our service or financial advice, please tell us as soon as possible.

Call: 0800 424 675

Email: contactus@hlsinsure.com

Write to: PO Box 36202, Northcote, Auckland 0748, New Zealand

When we receive a complaint:

• We will consider your complaint and let you know how we intend to resolve it. Where possible, we try to resolve your complaint immediately.
• If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 days. We may contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint
• We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, Insurance & Financial Services Ombudsman (IFSO). IFSO provides a free and independent dispute resolution service that may help to resolve your complaint if we haven’t been able to do so to your satisfaction. To contact IFSO:

Call: 0800 888 202

Email: info@ifso.nz

Write to: PO Box 10-845, Wellington 6142, New Zealand

Duties information

Health & Life Specialists Group Limited and our advisers have 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;
• Exercise care, diligence, and skill;
• Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services
• Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

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.

Contact details

Health & Life Specialists Group Limited (FSP770722) is the Financial Advice Provider.

Call: 0800 424 675

Email: contactus@hlsinsure.com

Write to: PO Box 36202, Northcote, Auckland 0748, New Zealand

A written copy of this information is available upon request