{
  "fsp_number": "FSP1006608",
  "legal_name": "Financial Services South Limited",
  "slug": "financial-services-south-limited-fsp1006608",
  "profile_url": "https://financeadvisers.co.nz/provider/financial-services-south-limited-fsp1006608",
  "trading_names": [
    "Financial Services South Limited",
    "Total Life",
    "Total Life"
  ],
  "is_financial_advice_provider": true,
  "adviser_count": 17,
  "cities_operated": [
    "Invercargill",
    "Christchurch",
    "Cambridge",
    "Te Kuiti"
  ],
  "primary_city": "Invercargill",
  "address": "118 Spey Street,Invercargill,Invercargill,9810,New Zealand",
  "sector": "financial-advisers",
  "services": [
    "Financial advice service (including financial advisers) - Financial advice provider - licensee - full licence"
  ],
  "specialties": [
    {
      "name": "life-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "health-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "income-protection",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "kiwisaver",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "investments",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "general-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "business-insurance",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "mortgages",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    },
    {
      "name": "lending",
      "source": "haiku-v1",
      "confidence": 0.7,
      "source_url": "http://totallife.co.nz",
      "classified_at": "2026-05-22T02:29:09.091+00:00"
    }
  ],
  "specialties_flat": [
    "life-insurance",
    "health-insurance",
    "income-protection",
    "kiwisaver",
    "investments",
    "general-insurance",
    "business-insurance",
    "mortgages",
    "lending"
  ],
  "license_type": "Licensed",
  "registration_date": "2024-01-30",
  "registration_status": "registered",
  "dispute_resolution_scheme": "Financial Dispute Resolution Scheme",
  "dispute_resolution_number": "FM6646",
  "public_disclosure_statement": {
    "latest_version_date": "2026-09-04",
    "markdown_url": "https://financeadvisers.co.nz/api/provider/FSP1006608/disclosure.md",
    "filings_history_url": "https://financeadvisers.co.nz/api/provider/FSP1006608/filings.json",
    "pi_insurer": null,
    "pi_limit_nzd": null,
    "fee_structure": {
      "type": "commission-only",
      "notes": "No fees for insurance advice. Fees may apply for investment advice or complex lending situations, which may be fixed, hourly, or percentage-based, and will be explained before proceeding.",
      "percentage_pa": null,
      "hourly_rate_nzd": null,
      "fixed_fee_nzd_typical": null
    },
    "product_panel": [
      {
        "provider": "Accuro",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "AIA",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Asteron Life",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Chubb Life",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Fidelity Life",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "nib",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Partners Life",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Resolution Life",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Southern Cross",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "UniMed",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "Sovereign",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "ACC",
        "product_types": [
          "life",
          "health",
          "personal risk insurance"
        ]
      },
      {
        "provider": "AMP General",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Ando",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Chubb",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Classic Cover",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Delta Insurance",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "DUAL",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Insurance Direct",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "IAG",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "NZI",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "QBE",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Star Insurance",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Tower",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "Vero Insurance NZ",
        "product_types": [
          "general insurance"
        ]
      },
      {
        "provider": "AMP",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "ANZ Investments",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "Booster",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "Kiwibank KiwiSaver",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "Westpac KiwiSaver",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "Atelier Partners",
        "product_types": [
          "KiwiSaver",
          "investments"
        ]
      },
      {
        "provider": "ANZ",
        "product_types": [
          "lending"
        ]
      },
      {
        "provider": "BNZ",
        "product_types": [
          "lending"
        ]
      },
      {
        "provider": "Kiwibank",
        "product_types": [
          "lending"
        ]
      },
      {
        "provider": "Westpac",
        "product_types": [
          "lending"
        ]
      },
      {
        "provider": "Greenwich",
        "product_types": [
          "lending"
        ]
      },
      {
        "provider": "Axa",
        "product_types": [
          "lending"
        ]
      }
    ],
    "conflicts_of_interest": [
      "Product providers may pay commission (one-off or ongoing) to Total Life, which may be passed to advisers, creating an incentive linked to product recommendations",
      "Advisers are paid through remuneration arrangements including salary, commission and/or bonuses",
      "Product providers may contribute to adviser training or industry events"
    ],
    "complaints_12mo": null,
    "confidence_tier": "C",
    "extracted_via": "sonnet-html-v1",
    "ingested_at": "2026-09-04T04:10:27.953402+00:00"
  },
  "summary_url": "https://financeadvisers.co.nz/api/provider/FSP1006608/summary.md",
  "as_of": "2026-09-10",
  "provenance": {
    "source": "FSPR (Financial Service Providers Register) via FA-NZ mirror + PDS Part A corpus where available",
    "authoritative_register": "https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP1006608",
    "pds_corpus_role": "FA-NZ archives + parses publicly-published FAP Public Disclosure Statements per FMC Act s431. We are a mirror, not the original publisher.",
    "refresh_cadence": "FSPR monthly snapshot; PDS quarterly re-check + Wayback diff",
    "methodology": "https://financeadvisers.co.nz/methodology",
    "schema_version": "2026-05-30",
    "specialties_source_cascade": "self-attest (1.00) > pds-v1 (0.90) > pds-inherit-v1 (0.85) > haiku-v1 (0.70); fspr-code fallback excluded",
    "specialties_schema_change_log": "v2026-05-30: `specialties` is now the structured array (name + source + confidence + source_url + classified_at); `specialties_flat` retained for callers expecting the prior string[] shape."
  },
  "notes": "This entity is a Financial Advice Provider (FAP) under FMC Act 2013. Authoritative source for current registration status: the FSPR register URL above."
}