# R&p Insurance Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-01 - **Source URL:** https://www.randpinsurance.co.nz/important-information - **Source PDF SHA256:** `b30fedb8bfcdc95657b64a15821de8c6...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-06-01 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP1001975/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1001975/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1001975 > **About this document.** FAP Public Disclosure Statements are regulated documents that financial advice providers must publish under the Financial Markets Conduct Act 2013, section 431. The content below is the FA-NZ mirror — machine-parsed from the source PDF on the date shown above. For binding regulatory purposes, refer to the firm's own current publication via the source URL above. --- # Important Information ## R&P Insurance LTD (FSP 1001975) — Important Information about our Business --- ## Introduction R&P Insurance Ltd is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. **Financial Services Provider Number:** 1001975 --- ## Our Office Contact Details **Address:** 50B Maupuia Road, Miramar **Phone:** Rochelle 027 270 8850 or Philly 021 828 739 **Email:** kiaora@randpinsurance.co.nz **Website:** randpinsurance.co.nz --- ## Our Advisers - Rochelle Carly – FSP776711 - Philippa (Philly) McMeekan – FSP100057 - Jenna Carruthers – FSP1001987 - Sophie Heath – FSP1006658 > **Note:** 'Mortgages with Jenna' provides mortgage advice under the FAP. For specific disclosure around Jenna's services, fees and commission, please see: [www.mortgageswithjenna.co.nz](http://www.mortgageswithjenna.co.nz) --- ## Nature and Scope of Financial Advice Services ### Our Services - Personal Insurance - General Insurance - Debt management, including borrowing for personal and investment purposes - KiwiSaver ### Products We Can Provide Financial Advice About - Personal and group Insurance (life cover, disability, income protection, trauma, and Health/Medical Cover) - General Insurance (House, Contents and Car) - Loans including mortgages, reverse mortgages, and personal loans - KiwiSaver investments ### Product Providers We Might Recommend - AIA - Asteron - CHUBB - NIB - Partners Life - Fidelity Life - ANZ Bank - ASB Bank - BNZ Bank - Westpac - Avanti Finance - The Co-operative Bank - Pepper Money - Resimac - Booster – KiwiSaver - Generate – KiwiSaver ### Who We May Refer You To - Tower Insurance – general insurance (house, contents, car) - Runacres Insurance – business general insurance brokers - Other financial advisers (example: investment advisers) **Each of these providers have their own important information statements and disclosure information that they will provide to you directly.** We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products. In providing you with financial advice, we will only consider your disposable income and will not take your spending behaviour into account. We recommend factoring in the long-term affordability of your insurance premiums. --- ## Our Fees We don't charge our clients fees, expenses, or anything else directly for the financial advice we provide in relation to Insurance. This is made possible by the commission we may receive from a product provider. --- ## Commissions ### Life + Health Insurance **Initial commission** – a percentage of the value of your insurance premiums; this may be between 25% to 230% of those annual premiums. **Ongoing commission** – a percentage of the value of your premiums, usually calculated at the end of each month or on renewal of insurance products each year. This may be between 5%–25% of those annual premiums. --- ### Referral Fees Paid by Tower Insurance (General Insurance) **Initial commission** – a percentage of the value of your insurance premiums; this may be between 10–12% of those annual premiums. **Ongoing commission** – a percentage of the value of your premiums, usually calculated at the end of each month or on renewal of insurance products each year. This may be between 10–12% of those annual premiums. --- ### Referral Fees Paid by Runacres Insurance (Business General Insurance) **Initial commission** – a percentage of the value of your insurance premiums; this is 20% of the 20–25% commissions that Runacres receive from insurance companies. **Ongoing commission** – a percentage of the value of your insurance premiums; this is 10% of the 20–25% commissions that Runacres receive from insurance companies. --- ### Referral Fees Paid by and to Other Financial Advisers If you require financial advice we are unable to provide, we may refer you to a qualified financial adviser. We may be given a referral fee if you move forward with any advice. This may be between 0–15% of any commission provided to the financial adviser for services or investments implemented. Full disclosure will be provided at the time of the advice given by that adviser. Other financial advisers may refer clients to us for advice we are qualified to provide. We may pay them a referral fee; this may be between 0–30% of any commissions we receive as a result of implementing Life + Health Insurance advice. Full disclosure of this fee will be provided at the time of advice by R&P Insurance LTD and its advisers. --- ### KiwiSaver Commissions | Provider | Commission | |---|---| | Booster | 0.5% p.a. Funds under Management | | Generate | $40–$240 upfront based on balance transferred; 0.25% p.a. Funds under Management | | Milford | 0.20%–0.5% p.a. Funds under Management | | Fisher Funds | $250 upfront for new or transferred member; 0.25% p.a. Funds under Management | --- ### Mortgages Commission information for 'Mortgages with Jenna' can be found at [www.mortgageswithjenna.co.nz](http://www.mortgageswithjenna.co.nz) Providers update commissions and fees from time to time; this document will be updated as required to reflect these changes. --- ## Conflicts of Interest or Other Incentives We are here for our clients and to advise you as best we can. Your interests are our priority, although we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our advisers together for conferences and professional development training. We may also receive other types of incentives in the form of event tickets, hampers, meals and other similar gifts from our product providers. --- ## How We Manage Any Conflicts of Interest To ensure our advisers prioritise our clients' interests: - We follow an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances. - All our advisers undergo annual training about how to manage conflicts of interest. - We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. We undertake an annual independent Compliance Assurance Review. --- ## Our Duties and Obligations to You We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to: - Meet the standards of competence, knowledge and skill set out in the Code of Conduct - Give priority to the clients' interest - Exercise care, diligence, and skill - Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct --- ## Our Internal Complaints Process If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. Our internal complaints managers are both Rochelle Carly and Philly McMeekan, who can be reached via: - **Email:** kiaora@randpinsurance.co.nz - **Phone:** Rochelle 027 270 8850 or Philly 021 828 739 They will reply to you within 24 hours. Our internal complaints handling process is available upon request. Complaints will be responded to in a timely manner with a goal to find a suitable resolution. --- ## Our External Complaints Process If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact our external disputes resolution scheme – **Financial Services Complaints Ltd – A Financial Ombudsman Service**. This service will cost you nothing and will help us resolve any complaints. **Financial Services Complaints Ltd – A Financial Ombudsman Service** **Address:** PO Box 5967, Wellington 6140 **Phone:** 0800 347 257 **Email:** complaints@fscl.org.nz --- *R&P Insurance LTD – Important Information 03/2023* --- > **Linked Sub-Documents:** Disclosure information specific to 'Mortgages with Jenna' (Jenna Carruthers, FSP1001987) is published separately at [www.mortgageswithjenna.co.nz](http://www.mortgageswithjenna.co.nz).