Disclosure & privacy.

Our financial advice disclosure, then how these pages handle your information. Our disclosure documents (opens in a new tab) are also on our main website. Skip to the website section.

Disclosure.

Important information about our business

The Insurance Team NZ holds a Financial Advice Provider licence issued by the FMA to provide financial advice services. The Insurance Team NZ Financial Services Provider Number is FSP1002544.

Our office contact details:
Address: 49 Tennyson Street, Napier, 4110
Phone: 027 373 88 22
Email: louise@theinsuranceteamnz.co.nz
Website: https://www.theinsuranceteamnz.co.nz/

Nature and Scope of financial advice services

Our Services

• KiwiSaver investment strategies and retirement planning
• Personal insurance

Products we can provide financial advice about

• KiwiSaver investments
• Personal and Group insurance: Life cover, Disability, Income protection, Trauma

Product providers we might recommend

Pathfinder, Booster, Generate, Milford, AIA, Asteron, Chubb, Fidelity Life, Partners Life, NIB, Southern Cross, PPS Mutual

Our fees

The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree on the actual fees with you before we proceed and explain how they are payable.

The following section outlines the types of fees that may apply:

• The fees charged for our advice and services may be based on a combination of: a set dollar amount; OR a percentage-based fee.
• Our agreed advice and service fees may include charges for: Initial advice ongoing; OR annual advice and services.

Other costs

Where other costs are incurred in the process of providing our advice and services to you, you will be liable for these costs.

However, we will agree on all additional costs with you prior to incurring them; OR We don’t charge our clients fees, expenses or anything else directly for the financial advice we provide.

Commissions

For services in relation to insurance/ investments, commissions may be paid by the product provider as follows:

Initial Commission: A percentage of the value of your investment contributions, or insurance premiums; and these vary depending on the insurer/Kiwisaver provider

Insurance – commission paid by the insurer

• Initial commission ranges from 30% to 230% of the first year’s premium

KiwiSaver costs

• In most cases, we are remunerated by the provider. This means there is no additional cost to you for working with us, as our remuneration is paid from the provider’s existing fee structure.
• Typical remuneration ranges from 0.20% to 0.50% per annum of your balance or an upfront fee of $0-$300.

Ongoing Commission: A percentage of the value of your investment balance, outstanding loan amount or premiums, usually calculated at the end of each month in which you hold the investment or loan, or on renewal of insurance products.

• Ongoing commission ranges from 5%–30% of the annual premium
• Group Schemes may pay up to 15% of the annual premium
• In some cases, where a provider does not offer an adviser fee rebate, an advice fee is applied in addition to the provider’s underlying fees. This reflects the customised nature of the advice and ongoing service.

Conflicts of interest or other incentives

We are here for our clients and to advise you as best we can. Your interests are our priority although we do have business relationships with product providers also.

From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training.

How we manage any conflicts of interest

To ensure our advisers prioritise our clients’ interests:

• We follow an advice process that ensures our recommendations are made appropriately, based on clients’ goals and circumstances.
• All our advisers undergo annual training about how to manage conflicts of interest.
• We maintain registers of conflicts of interest and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required.
• We undertake an annual independent Compliance Assurance Review.

Our duties and obligations to you

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

• Meet the standards of competence, knowledge, and skill set out in the Code of Conduct
• Give priority to the clients’ interest, and
• Exercise care, diligence and skill, and
• Meet the standards of ethical behavior, conduct, and client care set out in the Code of Conduct.

Our Internal complaints process

If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.

Our internal complaints manager is Louise Grinstead who can be reached via email at louise@theinsuranceteamnz.co.nz or 027 373 88 22. Louise will reply to you within 24 hours.

Our internal complaints handling process is as follows:

1. Requesting your complaint in writing
2. Acknowledging the receipt of your complaint within 2 working days of receiving it.
3. Investigating your concerns by speaking with all the involved parties and reviewing all the documentation we hold on file.
4. We aim to resolve your complaint as soon as possible and will provide a formal written response within 28 days of receiving your complaint.

Our external complaints process

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme: Financial Services Complaints Ltd. This service will cost you nothing, and will help us resolve any complaints.

You can contact Financial Services Complaints Ltd at:
Address: Level 4, 101 Lambton Quay, Wellington 6011
Phone number: 0800 347 257
Email address: complaints@fscl.org.nz

Louise Grinstead, adviser disclosure.

Providers & Advice Type

Providers I work with: AIA, Asteron, Chubb, Fidelity Life, NIB, Partners Life, Southern Cross, PPS Mutual

We do not provide financial advice services relating to:

• Legal or estate planning (e.g. wills, trusts, contracts, etc.)
• General Insurance advice
• Mortgage Advice
• Investment products (e.g. shares, bonds, managed funds)

You will need to consult an appropriate specialist if you would like advice on the above.

Commissions and Incentives

I receive commissions from the relevant insurance providers if you choose to take up my advice and a policy is put in force. The commissions are between 0% and 230% of the first year’s policy premiums. I will also receive 0% to 20% of the policy premiums for each year the policy is in force.

The commission I receive is shared with The Insurance Team NZ Limited for providing me with compliance support, training, and back-office support.

Conflicts of Interest

Some product providers may subsidise training, technology solutions and compliance costs for The Insurance Team NZ Limited.

I am paid commissions by product providers when a policy goes into force and at the annual renewal of a policy.

I ensure that I prioritise your interests by following an advice process that considers your circumstances and goals. A thorough comparison of suitable products and services available to meet your needs is completed during this process to support our recommendations.

I also undergo annual training on how to manage any conflicts of interest.

The Insurance Team NZ Limited is subject to a yearly audit and compliance reviews to ensure we meet our obligations while doing right by our clients.

Fees or Expenses

I do not charge you a fee if you decide to take out an insurance policy following my advice. The insurance provider will pay us a commission if you decide to take up our advice. However, I may charge you for the financial advice that I provide if you cancel your health or life insurance policy within the first two years of its inception. We will use the following formula to calculate the fee:

Cancelation fee: A Flat Fee of $250 x 2 Hours work

We will invoice you for this fee and it will be payable on the 20th of the month following the cancellation of your policies. Details of how to make payment will be included on the invoice.

If you decide not to act on my advice, then I may charge you an hourly fee of $250 for the services performed. This will be based on the time it has taken to prepare my advice. The average charge for this service is $500 which is calculated at 2 hours * $250 per hour.

Reliability History

A reliability event is something that may materially influence your decision on seeking advice from The Insurance Team NZ Limited or from me. Some examples of reliability events are legal proceedings against me or if I had been bankrupt in the last four years.

Neither The Insurance Team NZ Limited nor I have been subject to a reliability event.

Collection of Personal Information

Where we collect your personal information from someone other than you, we will take reasonable steps to notify you. This notification will include the purpose of the collection, the intended recipients of the information, the name and address of the agency collecting and holding the information, whether the collection is authorised or required by law (and, if so, the relevant law), and your right to access and request correction of that information, unless an exception applies under the Privacy Act 2020.

About this website.

This section covers these pages at itnz-landing.pages.dev: the booking form, the booking calendar and the tools that measure how the pages are used. We follow the Privacy Act 2020 and its 13 Information Privacy Principles, which cover how we collect, store, use, share and correct personal information.

What we collect

• When you book: your answers to the short questions (including your household income and date of birth), your first name, email and mobile, and the time you book.
• Automatically: your device and browser, the pages you view, the ad or link that brought you here, and whether you play a video or tap our phone number or email. This uses cookies and similar tools from the platforms below.

We use this to get your call booked, contact you about it, and work out which ads and pages are useful. We don’t sell your information, and you can tell us to stop contacting you at any time.

Platforms we use

Each one handles your information under its own privacy policy. They’re all based in, or store data in, the United States, so your information may be held overseas. We only use providers we reasonably believe protect it to a standard comparable to New Zealand law.

You can block cookies in your browser, opt out of Google Analytics with the Google Analytics opt-out add-on (opens in a new tab), and manage your Facebook and Instagram ad preferences (opens in a new tab). The pages still work.

Keeping and protecting it

We keep client records as required for financial advice providers. Google Analytics data is kept for 14 months. We use secure, access-controlled systems and encrypted connections.

Your rights

You can ask to see, correct or delete the information we hold about you by emailing admin@theinsuranceteamnz.co.nz. We’ll respond within 20 working days, and it’s free. If you’re not happy with how we’ve handled your information, please tell us first. You can also complain to the Office of the Privacy Commissioner at privacy.org.nz (opens in a new tab) or on 0800 803 909.

Using these pages

These pages give general information about our 15-min intro chat, not personal financial advice. We only give advice after talking with you about your situation. To the extent the law allows, we’re not liable for decisions made from this general information alone. Nothing here limits your rights under the Consumer Guarantees Act 1993 or the Fair Trading Act 1986. These terms are governed by New Zealand law.

Website section last updated 4 November 2026.