about us – what you need to know
Allsure Financial Solutions Limited (FSP683071) holds a license issued by the Financial Markets Authority to provide financial advice.
- AIA
- Asteron
- Chubb
- Fidelity Life
- Partners Life
- AIA
- NIB
- Partners Life
- Southern Cross
- Generate
- Booster
- Milford
For mortgages we provide advise on a wide range of bank and non- bank lenders.
Allsure Financial Solutions Limited may charge a cancellation fee for the financial advice provided to a client when the clients cancels a life or health insurance policy within two years of inception. This fee could be up to $500.00 incl. GST and is based on hours worked on the policy. an average policy takes approximately 5 hours of work to complete. The cancellation fee is payable within 7 days of receiving the invoice.
A refundable retainer fee of $500.00 is charged for financial (mortgage) advice offered that is refundable on settlement of your mortgage. The retainer is refundable within 12 months on settlement of a loan. Shoul dyou decide to not proceed for any reason, the retainer is not refundable. Should you decide not to proceed once pre-approved for finance the fee is not refundable. Should you refinance or move your mortgage within 3 years a claw back fee of $500.00 is payable on invoice within 7 days.
Should you accept our free Will offer and cancel your policy within two years of inception, the cost of $100.00 will be incurred by you (payable on invoice within 7 days) to reimburse the cost of the Will that is incurred by Allsure Financial Solutions Limited.
For Life, disability, trauma and health insurance Allsure Financial Solutions limited receives commissions from the insurance companies whose products we give financial advise. If you decide to take out insurance the insurer will pay a commission to your financial adviser. The commission amount is based on the amount of the premium.
For KiwiSaver, Allsure Financial Solutions Limited receives commission from the KiwiSaver provider whose products we give advice. If you decided to contribute to a KiwiSaver the provider will pay a commission to your finanical adviser. The commission amount is based on your account balance.
For mortgages Allsure Financial Solutions Limited receives commission from the lender that we arrange the mortgage with. If you decide to take out the mortgage the bank will pay a commission to your financial adviser. The amount of commission is based on the mortgage amount.
To ensure as finanical adviser we priorities your interests, we follow an advice process that ensures our recommmendations are made based on your goals and circumstances.
We undergo training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. Allsure Financial Solutions Limited monitors these registers and completes an annual review of our compliance programme.
sean@allsure.co.nz or by calling: 022 108 7981. You can also write to us at: 70 Danbury Drive, Torbay, Auckland, 0632.
When we receive a complaint, we will follow 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 cannot, 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.
- give priority to your interests by taking all reasonable steps to make sure our advice is not 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 behavior, 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
Sean JosephFinancial Adviser – Insurance – FSP286545 at:
| Elaine JosephFinancial Adviser – Mortgages – FSP443986 at:
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