{
  "product_provider": "NIB Health Insurance",
  "slug": "nib-health-insurance",
  "name_variants_in_corpus": [
    "NIB Health Insurance"
  ],
  "page_url": "https://financeadvisers.co.nz/network/insurer/nib-health-insurance/advisers",
  "parent_page_url": "https://financeadvisers.co.nz/network/insurer/nib-health-insurance",
  "data_state": "pds-ingested",
  "fap_count": 1,
  "total_advisers": 3,
  "advisers_returned": 3,
  "edge_as_of": "2026-06-06",
  "faps": [
    {
      "fsp_number": "FSP341506",
      "name": "Lyford Investment Management Limited",
      "adviser_count": 3,
      "slug": "lyford-investment-management-limited-fsp341506",
      "profile_url": "https://financeadvisers.co.nz/provider/lyford-investment-management-limited-fsp341506",
      "disclosure_md_url": "https://financeadvisers.co.nz/api/provider/FSP341506/disclosure.md",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP341506/facts.json"
    }
  ],
  "advisers": [
    {
      "fsp_number": "FSP35961",
      "name": "Alison Margaret Renfrew",
      "slug": "alison-margaret-renfrew-lower-hutt-FSP35961",
      "profile_url": "https://financeadvisers.co.nz/adviser/alison-margaret-renfrew-lower-hutt-FSP35961",
      "fap_fsp_number": "FSP341506",
      "fap_name": "Lyford Investment Management Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/alison-margaret-renfrew-lower-hutt-FSP35961/can-advise-on",
      "city": "Lower Hutt"
    },
    {
      "fsp_number": "FSP731211",
      "name": "Richard Stuart Ian Renfrew",
      "slug": "richard-stuart-ian-renfrew-lower-hutt-FSP731211",
      "profile_url": "https://financeadvisers.co.nz/adviser/richard-stuart-ian-renfrew-lower-hutt-FSP731211",
      "fap_fsp_number": "FSP341506",
      "fap_name": "Lyford Investment Management Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/richard-stuart-ian-renfrew-lower-hutt-FSP731211/can-advise-on",
      "city": "Lower Hutt"
    },
    {
      "fsp_number": "FSP35821",
      "name": "Richard William Renfrew",
      "slug": "richard-william-renfrew-lower-hutt-FSP35821",
      "profile_url": "https://financeadvisers.co.nz/adviser/richard-william-renfrew-lower-hutt-FSP35821",
      "fap_fsp_number": "FSP341506",
      "fap_name": "Lyford Investment Management Limited",
      "can_advise_on_url": "https://financeadvisers.co.nz/adviser/richard-william-renfrew-lower-hutt-FSP35821/can-advise-on",
      "city": "Lower Hutt"
    }
  ],
  "overflow": null,
  "as_of": "2026-09-19",
  "provenance": {
    "source": "FAP Public Disclosure Statements (FMC Act 2013 s431) joined to FSPR adviser–FAP appointments via FinanceAdvisersNZ PDS mirror",
    "extraction": "Sonnet-extracted product_panel; confidence tier C; provider-name variants canonicalised via hand-curated alias list",
    "framing": "Advisers at FAPs that have disclosed NIB Health Insurance in their PDS product panel. AI-summarised from PDS; refer to each FAP's original disclosure for the authoritative list. Not adviser-specific scope of advice.",
    "verbatim_passthrough_per_fap": "See faps[].disclosure_md_url",
    "pds_corpus_coverage": "~107 of ~2,444 NZ FAPs (~4.5%) as of 2026-06-01",
    "schema_version": "2026-06-01"
  },
  "notes": "FinanceAdvisersNZ is a directory mirror, not the regulator. Product-panel disclosure is firm-wide (FAP-level), not adviser-specific. For binding regulatory purposes, refer to each FAP's own current Public Disclosure Statement."
}