Disclosure Statement

Licence status and conditions 

Imsure Limited (FSP496246) trading as Imsure Ltd, holds a licence issued by the Financial Markets Authority to provide financial advice.

Nature and scope of the financial advice given

Imsure Ltd 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 our providers can be found on the home page section of this website. We do not provide advice on Home Loans and Kiwisaver. Any financial advice provided on our behalf will only take account of the information you have given us about your particular needs, financial situation or goals.

Our duties

Imsure ltd, 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 https://www.fma.govt.nz.

The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.

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

We do not charge any fees, expenses or any other amounts for financial advice given to you.

Conflicts of interest and commissions or other incentives

For life and health insurance, Imsure Ltd 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 Imsure Ltd and your financial adviser. The amount of the commission is based on the amount of the premium.

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

Internal complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:

• in writing:
  Complaints Officer
  Imsure
  PO Box 351, Christchurch 8140
• by telephone: 021 954 754
• by email: cameron.bryant@imsure.co.nz

When we receive a complaint, we will consider it following our internal complaints process:

• We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
• We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.
• We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
• If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact Insurance & Financial Services Ombudsman Scheme.

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme.  This service is free and may help investigate or resolve the complaint.

We are a member of the Insurance & Financial Services Ombudsman Scheme approved dispute resolution scheme.  You can contact the Insurance & Financial Services Ombudsman Scheme:

• in writing:
  Complaints Officer
  Insurance & Financial Services Ombudsman Scheme
  PO Box 10-845, Wellington 6143
• by telephone: 0800 888 202
• by email: info@ifso.nz

Contact Details

Imsure Limited (FSP496246), trading as Imsure Ltd is the Licensed Financial Advice Provider.

You can contact us at:

Imsure Limited

Postal address:   PO Box 351, Christchurch 8140
Telephone:         021 954 754
Email:                   cameron.bryant@imsure.co.nz
Website:              www.imsure.co.nz