Disclosure Statement
and Privacy Policy.

Disclosure Statement.

Here are some key pieces of information you need to know to help you understand what type of advice we are able to give you, so that you can make an informed and confident choice when engaging our services.

Ross Fowler (2019) Limited (FSP719772) trading as Insurance Life, holds a licence issued by the Financial Markets Authority to provide financial advice.

Nature and Scope of Financial Advice.
Insurance Life provides advice to our clients about their life and health insurances. We provide financial advice about products from a large range of providers, details of these providers can be found on our home page section of this website. We do not provide advice on Fire & General Insurance, Home Loans, Investments or Kiwisaver. Any financial advice provided by us will only take account of the information you have given us about your particular needs, financial situation or goals.


Products and Providers.
We work with top quality providers, these are:
AIA - Life, Disability, Income & Mortgage Protection & Health
Asteron - Life, Disability, Income & Mortgage Protection
Accuro - Health
Cigna - Life, Disability, Income & Mortgage Protection
Fidelity - Life, Disability, Income & Mortgage Protection
NIB - Health
Partners Life - Life, Disability, Income & Mortgage Protection & Health


Our Duties.
Insurance Life, and our Financial 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 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).

More information is available by contacting us, or by visiting the Financial Markets Authority website.

The Code of Conduct standards can be read here.

No fees or expenses for Financial Advice.

I won't charge you any fee for the financial advice I provide to you. This is possible because, on issuance of an insurance policy, I will receive commission from the insurer.


Conflicts of interest.
On acceptance of an insurance application, our advisers will receive commission from the applicable insurer. The commission is generally an upfront commission but we may also receive a renewal commission.

To ensure that we prioritise the client’s interests above our own, our advisers follow an advice process that ensures any recommendations are made on the basis of our client’s goals and circumstances. Advisers undergo annual training about how to manage conflicts of interest.

Conflicts of interest are managed by:

  • Always recommending the best product for the client’s purpose regardless of the type and amount commission to be received.

  • Ensuring the amount of any insurance cover is in accordance with the client’s identified needs.

The commission an adviser receives on insurance is calculated as a percentage of the premium.


Complaints process.
If you have a complaint about the financial advice or service we have provided you, you need to tell us about it. You can contact our internal complaints service by phoning, or emailing us using the heading Complaint - (Your Name).

We will acknowledge receipt of this within 24 hours. We will then record your complaint in our Complaints Register and will work with you to resolve your complaint.

If we cannot agree on a resolution you can refer your complaint to our external dispute resolution service. This service is independent and will cost you nothing and will assist us to resolve things with you.

Details of this service are:
Insurance & Financial Services Ombudsman Limited
complaints@ifso.nz
0800 888 202


Availability of Information.
This information can be provided in hardcopy upon your request.

Privacy Policy.

We collect personal information from you, including your name, contact details and some financial details. At Insurance Life, we regard client confidentiality as of paramount importance. We will not disclose any confidential information obtained from or about you to any other person, except where we have gained permission from you.

You have the right to ask for a copy of this personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you’d like to ask for a copy of your information, or to have it corrected, please contact us.