# Financial Services South Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-09-04 - **Source URL:** https://totallife.co.nz/about-total-life/disclosure/ - **Source PDF SHA256:** `9db53c458dca0f336885e3ca080b6817...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-09-04 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP1006608/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP1006608/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1006608 > **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. --- # Disclosure ## Scope of Advice **Last updated: 7 August 2026** **Summary** This disclosure explains who we are, the services we provide, the providers we work with, how we are paid, and how to make a complaint. **Who We Are** Financial Services South Limited, trading as Total Life (FSP1006608), is licensed by the Financial Markets Authority (FMA) to provide financial advice services in New Zealand. Our advisers are either engaged directly by Total Life or by authorised bodies who are approved to provide advice under our licence. All advisers provide advice on behalf of Total Life and are covered by our licence and compliance framework. **What We Can Help With** Our advisers can give advice about: - Home and business lending - Life, trauma, and health insurance - General insurance, such as house, car and contents insurance - KiwiSaver - Investments in certain retail financial products Some advisers cover all of these areas. Others specialise in certain products only. If an adviser cannot help with something you need, we will let you know and help you find someone who can. We do not provide: - Legal or tax advice - Advice on wholesale products **Providers We Work With** Depending on the type of advice you receive, our advisers may recommend, arrange or assist with products from a range of financial product and service providers. The providers available to a particular adviser may differ depending on the advice service being provided, their qualifications, and any limitations on the advice they are authorised to give. **Life, Health and Personal Risk Insurance** - Accuro - AIA - Asteron Life - Chubb Life - Fidelity Life - nib - Partners Life - Resolution Life - Southern Cross - UniMed - Sovereign - ACC **General Insurance** - AMP General - Ando - Chubb - Classic Cover - Delta Insurance - DUAL - Insurance Direct - IAG - NZI - QBE - Star Insurance - Tower - Vero Insurance NZ **KiwiSaver and Investments** - AMP - ANZ Investments - Booster - Kiwibank KiwiSaver - Westpac KiwiSaver - Atelier Partners **Lending** - ANZ - BNZ - Kiwibank - Westpac - Greenwich - Axa, where applicable **How We Get Paid** When we recommend a financial product and you choose to go ahead, the product provider may pay us a commission. This could be either a one-off payment or ongoing payments, and is usually based on the amount of premium, loan, or investment. - Commissions are paid to Total Life - Total Life may pass a portion of that commission to your adviser - Advisers are paid through remuneration arrangements set by Total Life, which may include salary, commission and/or bonuses From time to time, product providers may contribute to adviser training or industry events. These benefits are not linked to the volume of business placed. There may also be: - Fees for investment services, charged by the product provider or platform - Third-party fees such as fund management, administration, performance, or transactional fees If any costs apply to you, your adviser will explain them in writing before you decide to proceed. We do not charge fees for insurance advice. Fees may apply for investment advice or complex lending situations. If fees apply, they may be fixed, hourly, or percentage-based, and will be explained before you proceed. **How We Prioritise Your Interests** We are committed to ensuring our advice is right for you. We: - Take the time to understand your goals and what is important to you - Follow a structured advice process - Select products based on suitability for your needs, not ours - Review our advice quality through internal compliance checks We manage conflicts of interest by following a documented advice process and prioritising your interests. For example, if two products meet your needs, we will recommend the one that best suits you, even if it pays us less commission. Our advisers are also subject to compliance checks. **Our Duties** We are regulated by the FMA and must always: - Give priority to your interests - Exercise care, diligence, and skill - Meet the standards of competence, knowledge, and skill set by the Code of Professional Conduct for Financial Advice Services - Meet the standards of ethical behaviour, conduct, and client care set by the Code **Reliability History** Neither Total Life nor its advisers have been disciplined, convicted of a crime, involved in civil proceedings, or declared bankrupt. If this changes, we will update this disclosure. ## Complaints **If You Need to Make a Complaint** We want to deliver great advice and service, but if something has not gone right, let us know. Making a complaint will not cost you anything. You can contact us at: **Lana Paterson, Head of Compliance** Email: lana.paterson@totallife.co.nz Phone: 0800 267 768 Post: PO Box 149, Invercargill 9810 **What Happens Next** - We will acknowledge your complaint and let you know how we plan to resolve it - We may ask you for more information - We aim to resolve complaints within 10 working days, but if we need more time we will keep you informed - We will keep you updated and let you know the outcome in writing If you are not satisfied with our response, you can contact our independent dispute resolution scheme free of charge: Financial Dispute Resolution Service (FDRS) Phone (NZ): 0800 337 337 Phone (overseas): +64 4 910 9952 Email: enquiries@fdrs.org.nz Mail: Freepost 231075, PO Box 2272, Wellington 6140 Website: www.fdrs.org.nz They can help resolve issues that we cannot. --- ## Footer: Linked Sub-Documents No links to additional sub-documents (e.g., separate adviser-specific disclosure statements) were found on this page.