About Life Protector Limited

Life Protector Limited is a licensed Financial Advice Provider (FAP) authorised to provide financial advice services in New Zealand.

Financial Services Provider Number (FSP): FSP1005957

Contact Details
Life Protector Limited
2F/Unit 17, 17 Putney Way, Manukau, Auckland 2104

Phone: 021 886 846
Email: rowena@lifeprotectorlimited.com
Website: www.lifeprotectorlimited.com

Our Financial Advice Services

We provide advice in relation to:

Home Loans and Mortgages

• First Home Buyers

• Refinancing

• Investment Property Lending

• Construction Loans

• Debt Consolidation

• Reverse Mortgages

Insurance

• Life Insurance

• Trauma Insurance

• Income Protection Insurance

• Mortgage Protection Insurance

• Total Permanent Disability (TPD) Insurance

• Health Insurance

Personal and Business Lending

• Personal Loans

• Vehicle Finance

• Business Loans

Product Providers We May Recommend

Depending on your needs and circumstances, we may recommend products from a range of providers including:

Lenders

• ANZ

• ASB

• BNZ

• Westpac

• Heartland Bank

• Pepper Money

• Avanti Finance

• Other approved lenders

Insurance Providers

• AIA

• Chubb Life

• Partners Life

• Fidelity Life

• Asteron Life

• NIB

• Southern Cross

• Other approved insurers

Recommendations will always be based on your individual circumstances and objectives.

Fees

In most cases, clients are not charged a fee for mortgage or insurance advice because Life Protector Limited is remunerated by the product provider when a loan settles or a policy is issued.

Where a fee applies, it will always be disclosed and agreed with you before any advice is provided.

Examples may include:

• Mortgage Review Fee: $450 (including GST)

• Non-bank lending advice fees where applicable

• Additional agreed service fees

Any fees payable will be clearly explained before you proceed.

Commissions and Incentives

Life Protector Limited may receive commissions from lenders and insurance providers when a loan settles or an insurance policy is issued.

Commissions may include:

• Initial commission

• Ongoing commission

The amount varies depending on the provider and product selected.

Full commission details will be disclosed when personal financial advice is provided.

Conflicts of Interest

We put our clients' interests first.

To manage conflicts of interest:

• We follow a structured advice process.

• Recommendations are based on your goals and circumstances.

• Advisers undertake ongoing compliance and professional development training.

• Conflicts of interest are monitored and managed through internal policies and procedures.

• Regular compliance reviews are conducted.

Our Duties to You

Under the Financial Markets Conduct Act, we are required to:

• Meet standards of competence, knowledge, and skill.

• Give priority to our clients' interests.

• Exercise care, diligence, and skill.

• Meet standards of ethical behaviour, conduct, and client care.

Complaints Process

If you are unhappy with any aspect of our service, please contact us.

Internal Complaints Manager

Rowena Sabdao

Email: rowena@lifeprotectorlimited.com

Phone: 021 886 846

Our complaints process:

1. Acknowledge the complaint.

2. Understand the issue.

3. Investigate the complaint.

4. Provide a response within 10 working days.

External Dispute Resolution

If we cannot resolve your complaint, you may contact our external dispute resolution provider free of charge:

Financial Dispute Resolution Service (FDRS)

Phone: 0508 337 337

Email: enquiries@fdrs.org.nz

Address:
Freepost 231075
PO Box 2272
Wellington 6140

Website: www.fdrs.org.nz

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