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Disclosure statement

When the nature and scope

of the advice is known

Nature and scope of the advice

Life and health insurance

I will provide you with financial advice in relation to your personal insurances (life) based on the Scope of Engagement that we have completed. I only provide financial advice about life insurance from the following providers:

 

  • AIA

  • Asteron Life

  • Cigna

  • Fidelity Life

  • Partners Life

 

I will provide you with financial advice in relation to your health insurances based on the Scope of Engagement that we have completed. I only provide financial advice about health insurance from the following providers:

 

  • AIA

  • Nib

  • Partners Life

Our financial advisers provide financial advice in relation to life insurance, health insurance, and KiwiSaver.

Reliability History

Neither Plan and Protect Ltd nor I have been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from me or from Plan and Protect Ltd. As an example, it would include legal proceedings against me, or if I had been discharged from bankruptcy in the last four years. 

Identifying information

I am a financial adviser (FSP765051), and I am giving advice on behalf of 

Plan and Protect Ltd (FSP704731).

Andrew James Pender

PO Box 184, Christchurch 8140

Level 3, 329 Durham St, Christchurch 8013

03 377 5489

027 464 4032

andy@planandprotect.co.nz

Fees and expenses

Plan and Protect Ltd does not charge fees, expenses or any other amount for any financial advice provided to its clients.

Conflicts of interest and incentives

Plan and Protect Ltd receive commissions from the relevant insurance company if you take out insurance following my advice. The commissions are between 87% and 180% of the first year’s premiums of your policy — the amount depends on which insurance company, which insurance policy you choose, and which commission structure I choose. I also receive a commission of between 5% and 20% of the premium for each year the policy remains in force. These commissions also vary, based on the commission structure that I choose.

 

To ensure that I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made on the basis of your individual goals and circumstances.

 

I complete registers of conflicts of interests, and the gifts and incentives I receive. Plan and Protect Ltd monitors these registers and provides additional training where necessary.

Availability of information

The information I have discussed with you is available in writing. Please let me know if you wish to have a written copy.