We do not provide advice on the existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products.
We do not charge any fees, expenses, or any other amounts for financial advice given to you.
For life and health insurance, Adelphi Insurance Brokers Ltd and our financial advisers 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 Adelphi Insurance Brokers Ltd and your financial adviser. The amount of the commission is based on the amount of the premium.
For KiwiSaver, Adelphi Insurance Brokers Ltd and our financial advisers receive commissions from the KiwiSaver Provider on whose KiwiSaver Funds we give advice. If you decide to accept our advice, the KiwiSaver Provider will pay a commission to Adelphi Insurance Brokers Ltd and your financial adviser. The amount of the commission is based on the amount of the funds under management.
To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit and a review of our compliance programme annually by a reputable compliance consultancy firm.
If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:
When we receive a complaint, we will consider it following our internal complaints process:
If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.
We are a member of the Financial Services Complaints Limited’s approved dispute resolution scheme. You can contact the Financial Services Complaints Limited at:
Financial Services Complaints Limited
Level 4, Sybase House
101 Lambton Quay
Wellington 6011
Telephone: 0800 347 257 (freephone if within New Zealand) or +64 4 472 3725 (if calling outside New Zealand)
Postal: P O Box 5967, Wellington 6140
Email: complaints@fscl.org.nz
Website: https://www.fscl.org.nz/
Adelphi Insurance Brokers Ltd, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
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
The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf
Adelphi Financial Services Ltd (FSP770433), trading as Adelphi Insurance Brokers Ltd (FSP482746), is the Licensed Financial Advice Provider.
You can contact us at:
Adelphi Insurance Brokers Ltd
3/46 Acheron Drive
Riccarton
Christchurch, 8041
Postal: P.O. Box 27234, Shirley, Christchurch, 86400
Phone: 0800 656 670
Email: customercare@ains.nz
Website: https://www.adelphiinsurance.nz/
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ACC CoverPlus is ACC’s standard personal injury cover if you’re self-employed or a contractor. It automatically applies when you start self-employment. It includes 24-hour no-fault cover for work-related and non-work related personal injuries, including access to the full range of medical treatment and rehabilitation benefits and up to 80% compensation for lost earnings.
ACC CoverPlus Extra is the tailored ACC cover for self-employed people and non-PAYE shareholder-employees. It is a flexible alternative to ACC CoverPlus, which enables you to negotiate your level of lost earnings cover (subject to ACC underwriting). That way, you know exactly what you’ll receive if you’re injured and can’t work – and it doesn’t matter whether the injury is work-related.
Workplace Cover – payable by employers and shareholder-employers. Workplace cover is automatically assigned and will provide funds to pay for employees medical care and up to 80% of their salary if injured at work.
Accredited Employers Programme – this is an optional product which you need to apply for. It basically means that you are the one responsible for managing injuries and claims employees make if injured at work. This can save you up to 90% off your work levy.