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General information only, not financial advice. Life Insurance NZ is not a financial adviser, financial advice provider or insurer, and nothing here is a recommendation about cover for you. How we are paid.
Disclosure · Version 2026-09-16.1

What we are, what we are not, and how we are paid

Life Insurance NZ is an information site. It is not a financial adviser, a financial advice provider, a broker or an insurer, it sells nothing, and nothing on it is financial advice. If you ask for an introduction, your details go to one licensed adviser firm, which pays us a fee. All of it is set out below.

Checked against legislation.govt.nz on 2026-09-16

Who we are

  • Trading name: Life Insurance NZ, at https://life-insurance.co.nz
  • Legal entity: Life Insurance NZ is a trading name of Kauri Ridge Holdings Limited, NZBN 9429050000017
  • Company number: 8000017
  • Address: Level 1, 12 Kōwhai Lane, Grey Lynn, Auckland 1021
  • Contact: hello@life-insurance.co.nz

There is no personal byline anywhere on this site and no link to anybody’s personal website. Articles are written by the organisation.

What we are not, and what we will not do

Every item on this list is a thing we do not do, will not do, and have built the site so that we cannot do:

  • Recommend a policy, an insurer or an amount of cover for you
  • Give an opinion about whether cover you already hold is right for you
  • Sell, arrange, underwrite or administer any policy
  • Quote a premium, or claim to show live prices
  • Rank, rate, score or name a “best” insurer
  • Ask you for health, medical, smoking or date-of-birth information
  • Take payment from anyone visiting this site
  • Take money from insurers for content, placement or a mention

The law this line is drawn from

New Zealand regulates financial advice, and insurance is inside that regime. Being exact about which side of the line this site sits on matters, so here are the provisions, quoted from legislation.govt.nz as read on 2026-09-16.

What counts as financial advice

“A person gives financial advice if the person… makes a recommendation or gives an opinion about acquiring or disposing of (or not acquiring or disposing of) a financial advice product.”

— Financial Markets Conduct Act 2013, s 431C(1)(a)

A contract of insurance is a financial advice product: the definition in section 6 includes, at paragraph (c), “a contract of insurance”. So an opinion about whether you should buy a particular policy is regulated financial advice, and only a licensed adviser may give it to you.

And what does not

“However, a person does not give financial advice merely by doing 1 or more of the things set out in clause 7 of Schedule 5.”

— Financial Markets Conduct Act 2013, s 431C(2)

Schedule 5 clause 7 then lists those things. “A person does not give financial advice merely by doing 1 or more of the following:”

(a) “providing factual information (for example, information about the cost or terms and conditions of a financial advice product, or about the procedure for acquiring or disposing of a financial advice product):”

(c) “making a recommendation or giving an opinion about a kind of financial advice product in general rather than a particular financial advice product (for example, an opinion about shares generally rather than shares of a particular company):”

(d) “recommending that a person obtain financial advice:”

(e) “passing on financial advice given by another person (unless the person holds out that the financial advice is the person’s own advice):”

— Financial Markets Conduct Act 2013, Schedule 5 cl 7

Where each part of this site sits

  • The cover pages sit in (c). They describe a kind of cover in general — what life cover is, what income protection does — and never a particular policy for a particular reader.
  • The insurer list and the cost page sit in (a). Factual information about products and what moves their price, with the source attached.
  • The referral is (d). Recommending that a person obtain financial advice is expressly outside the definition. That is the only recommendation this site makes.
  • The calculator is meant to sit in (a) and (c), and it is the part we treat most carefully. It is arithmetic on figures you type, with the working printed, labelled a general estimate, recommending no product, no insurer and no cover type, and never saying you need an amount. See the calculator page for what it assumes and ignores.

Holding out

“A person must not hold out that the person, or another person,— (a) is a financial advice provider, a financial adviser, or a nominated representative if that is not the case; or (b) is lawfully able to do any of the following if that is not the case…”

— Financial Markets Conduct Act 2013, s 431G(1)

This is why the brand never contains the words adviser, advice, broker or FAP; why no page says “our advisers”; why the partner’s FSP number is always labelled as theirs and never as ours; and why the structured data on every page of this site is a plain Organization rather than FinancialService, InsuranceAgency or FinancialAdvisorService. Holding out in machine-readable form is still holding out.

Why a flat fee and not a share of the premium

Because a premium share pays us more when you buy more cover, and this site displays a cover figure. That is a conflict, and the honest way to deal with it is not to create it. The fee is a set amount for each introduction the firm accepts, unrelated to the cover amount, the premium or whether you buy anything at all.

The adviser’s own disclosure obligations cover the fee we receive. Under the Financial Markets Conduct Regulations 2014, Schedule 21A clause 2(3), a commission or other incentive includes one given to “A, P, or another person connected with the giving of the advice”, where it is of a kind a reasonable client would expect to materially influence the advice. Our referral agreement will require the firm to disclose it.

How we manage the conflict

  • One adviser firm, not a panel, and no auction. Your details go to one place or nowhere.
  • A flat fee, not a share of anything.
  • No insurer pays for content, placement or a mention.
  • No rating, ranking or “best” anywhere on the site.
  • Everything on the site is usable without giving us anything at all.
  • The editorial policy lists what we removed and what we still refuse to publish.

Complaints

About us: email hello@life-insurance.co.nz and we will answer. We are not a financial service provider and we are not a member of a dispute resolution scheme, because we provide no financial service. If that reading is ever found to be wrong, we will register and join one.

About advice you received: that is between you and the adviser firm. It must belong to an approved dispute resolution scheme and must tell you which. There are four:

These schemes are approved by Consumer Protection, part of MBIE. You can see which one a provider belongs to on the Financial Service Providers Register.

Two things we would rather say than hide

The Financial Markets Authority publishes guidance about this regime, and we have not read it. fma.govt.nz refuses automated requests and returned HTTP 403 on every attempt across two sessions. Rather than paraphrase guidance we could not open, nothing on this site is attributed to the FMA, and every legal statement here is quoted from legislation.govt.nz instead. That guidance is on the list for the lawyer reviewing this site.

This page is not legal advice, and it is not a ruling.It is our reading of the Act, with the sections quoted so that you can check it rather than trust it. A New Zealand financial services lawyer is reviewing the whole site — this page, the calculator framing, the consent wording and the emails — before any introduction is made to anybody.

Questions

Are you registered on the Financial Service Providers Register?

No. Our reading is that registration applies to a person in the business of providing a financial service, and that introducing somebody to an adviser is not one of the services listed in section 5(1) of the Financial Service Providers (Registration and Dispute Resolution) Act 2008. We read that whole list on 16 September 2026 and nothing in it covers referring or introducing a customer. That is our reading, not a ruling, and a New Zealand financial services lawyer is reviewing it before introductions open.

Do you get paid more if I buy more cover?

No, and this is deliberate. The fee is a flat amount for each introduction the adviser firm accepts, not a share of any premium. A premium share would reward us for you buying more cover — which our calculator displays a number for — and that is a conflict we would rather not create than disclose and manage.

Are you paid by insurers?

No. No insurer pays us anything, for content, for placement, for a mention or for a link. The insurer list on this site is alphabetical, contains no ratings and names no best.

Can I withdraw my consent after I have sent the form?

Yes. Email us and we will ask the adviser firm to delete what we sent and stop contacting you. You can also tell them directly. Withdrawing consent does not affect anything that already happened, but it stops what happens next.

Who do I complain to?

About this site — our content, our fee, our conduct — email us. About advice you received, complain to the adviser firm, and if you are not satisfied, to its dispute resolution scheme, which it must tell you. They are different complaints to different people and we do not handle theirs.

Sources

Read on 2026-09-16. If a source and this page disagree, the source is right.