Important Information

Licence status & conditions

All Insurance Services Limited (FSP725971) holds a license issued by the Financial Markets Authority to provide financial advice.

Nature & scope of financial advice service

All Insurance Services Ltd provides advice on life, trauma, income protection and health insurance.

For life insurance, we work with five companies – AIA, Partners Life, Asteron, Fidelity & Cigna.

For health insurance, we work with seven companies - AIA, Partners Life, Asteron, Cigna, nib, Fidelity & Accuro.

We can also facilitate placing mortgages with Sovereign Home Loans.

Fees, expenses, or other amounts payable

All Insurance Services Ltd does not charge fees, expenses or any other amount for any financial advice provided to its clients.

Conflicts of interest and commissions or other incentives

For life and health insurance, we 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 All Insurance Services. The amount of the commission is based on the amount of the premium.

For mortgages, All Insurance Services Ltd receives commissions from Sovereign Home Loans. If you decide to take out a mortgage, the bank will pay a commission to All Insurance Services Ltd. The amount of the commission is based on the amount of the mortgage.

We will provide more specific details of these commissions at the time our advice is given.

Duties information

We have duties under the Financial Markets Conduct Regulations relating to the way 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 we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at

Complaints Handling

If you are not satisfied with our service you can make a complaint by emailing [email protected], or by calling 022 199 7585. You can also write to us at:

All Insurance Services Ltd
PO Box 33-1222
Auckland 0740

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

  • We will acknowledge your complaint within 2 working days.
  • 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 the Insurance and Financial Services Ombudsman Scheme (IFSO). The IFSO provides a free, independent dispute resolution service that may help reach an agreed outcome, or make a decision.

You can contact the ISFO by visiting, calling 0800 888 202 or writing to Insurance & Financial Services Ombudsman Scheme, PO Box 10-845, Wellington 6143.