Advice4Life Important Information

Licence status and conditions

Advice4Life Limited (FSP489726, trading as Advice4Life Limited) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice.

Nature and scope of the financial advice given

Advice4Life Limited provides advice to our clients about their life and health insurances. 

We are able to provide financial advice from the following product providers:

Life and disability insurances: AIA, Asteron, Cigna, Fidelity Life, Partners Life

Health Insurances: Accuro, AIA, Cigna, nib, Partners Life, Southern Cross

Business owners’ insurances: AIA, Asteron, Cigna, Fidelity Life, Partners Life

We do not provide advice on KiwiSaver, fire and general insurance and investments.

Any financial advice we provide will only take into account the information you have given us about your particular needs, financial situation or goals. 

Our duties

Advice4Life Limited and anyone who gives financial advice on our behalf, 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).

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

The Code of Conduct standards can be read here:

No fees, expenses or other amounts payable for our financial advice

Most of the time, our services are completely free. That’s because instead of being paid by you, we receive revenue from our product suppliers such as the insurers.

How we are renumerated

For life and health insurance, Advice4Life Limited and the financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Advice4Life Limited and your financial adviser. The amount of the commission is based on the amount of the premium.

The commission is between 30% and 230% of the first year’s premiums of your policy. The amount depends on which insurance company and which insurance policy you choose. They also receive a commission of between 5% and 20% of the premium for each year the policy remains in force.

In addition, Advice4Life Limited receives commission of up to 30% of the first year’s premiums of your policy, depending upon which insurance company and which policy you choose

How we manage any conflicts of interest or other incentives

To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances.

All our financial advisers undergo annual training about how to manage conflicts of interest.

We also undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm.

Visit our Complaint process page for further information on our internal complaints process and disputes resolution provider.

Contact Details

Advice4Life Limited (FSP489726, trading as Advice4Life Limited) is the Licensed Financial Advice Provider.

You can contact us at:

Advice4Life Limited

PO Box 1442, Hamilton, 3240

0508 44 00 44