{
  "product_provider": "Tower - F&G Asset Finance",
  "slug": "tower-f-g-asset-finance",
  "name_variants_in_corpus": [
    "Tower - F&G Asset Finance"
  ],
  "fap_count": 3,
  "total_advisers": 4,
  "faps_list": {
    "returned": 3,
    "total_matching": 3,
    "truncated": false,
    "offset": 0,
    "next_offset": null
  },
  "faps": [
    {
      "fsp_number": "FSP1005134",
      "name": "Flax Street Mortgages & Advisory Limited",
      "adviser_count": 3,
      "slug": "flax-street-mortgages-advisory-limited-fsp1005134",
      "profile_url": "https://financeadvisers.co.nz/provider/flax-street-mortgages-advisory-limited-fsp1005134",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP1005134/facts.json"
    },
    {
      "fsp_number": "FSP1006483",
      "name": "Atpw Limited",
      "adviser_count": 1,
      "slug": "atpw-limited-fsp1006483",
      "profile_url": "https://financeadvisers.co.nz/provider/atpw-limited-fsp1006483",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP1006483/facts.json"
    },
    {
      "fsp_number": "FSP733731",
      "name": "FSP733731",
      "adviser_count": 0,
      "slug": "fsp733731-fsp733731",
      "profile_url": "https://financeadvisers.co.nz/provider/fsp733731-fsp733731",
      "facts_url": "https://financeadvisers.co.nz/api/provider/FSP733731/facts.json"
    }
  ],
  "coverage": {
    "provider": "Tower - F&G Asset Finance",
    "city": null,
    "advisers": {
      "carries": 4,
      "does_not": 3625,
      "unknown": 5523,
      "total": 9152
    },
    "firms": {
      "carries": 2,
      "does_not": 289,
      "unknown": 2132,
      "total": 2423
    },
    "spellings_matched": [
      "Tower - F&G Asset Finance"
    ],
    "definitions": {
      "carries": "Their firm's (FAP's) disclosure statement names this provider.",
      "does_not": "Their firm's disclosure statement was read and does not name this provider. This does not mean the adviser cannot advise on it — a firm may advise on products it has not listed, and a disclosure is a point-in-time document.",
      "unknown": "We hold no extracted product panel for their firm, so we cannot say either way. Never count these as not carrying the provider.",
      "advisers": "Individual advisers (fsp_type individual) with a current FAP appointment on the FSPR. An adviser appointed by several FAPs is counted once: carries if any of their FAPs names the provider, else does_not if any of their FAPs has a panel on file, else unknown.",
      "firms": "FAPs with at least one current individual adviser in scope.",
      "rule": "carries + does_not + unknown = total. Never infer \"does not carry\" by subtracting carries from a total.",
      "wording": "When telling a person, say \"their firm's disclosure statement does not name X\" — never \"this adviser does not offer X\"."
    },
    "caveat": "does_not rests on name matching. A FAP that wrote this provider under a spelling not in spellings_matched is counted as does_not, so treat carries as a lower bound and does_not as an upper bound."
  },
  "page_url": "https://financeadvisers.co.nz/network/insurer/tower-f-g-asset-finance",
  "as_of": "2026-10-12",
  "coverage_note": "coverage.firms and coverage.advisers split every FAP / adviser into carries, does_not (disclosure read, provider not named) and unknown (no panel on file). A FAP in unknown may well distribute this provider.",
  "confidence_tier": "C — LLM-extracted from FAP PDS markdown",
  "methodology": "https://financeadvisers.co.nz/methodology"
}