Nature and Scope of the Advice
All Insurance Services Ltd provides advice to our clients about their 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 six companies - AIA, Partners Life, Asteron, Cigna, nib & Accuro.
We can also facilitate placing mortgages with Sovereign Home Loans.
All Insurance Services Ltd does not charge fees, expenses or any other amount for any financial advice provided to its clients. 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.
To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. Our financial adviser undergoes annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.
For life insurance, we work with five companies – AIA, Partners Life, Asteron, Fidelity & Cigna.
For health insurance, we work with six companies - AIA, Partners Life, Asteron, Cigna, nib & Accuro.
We can also facilitate placing mortgages with Sovereign Home Loans.
All Insurance Services Ltd does not charge fees, expenses or any other amount for any financial advice provided to its clients. 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.
To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. Our financial adviser undergoes annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.