# Partners Life Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-05-20 - **Source URL:** https://www.partnerslife.co.nz/disclosure - **Source PDF SHA256:** `9f3bbd2c6cfc50086df71064b2879aa3...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-05-20 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP110887/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP110887/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP110887 > **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. --- # Our Financial Advice Disclosure **Partners Life Limited** FSP Registration: [FSP110887](https://app.companiesoffice.govt.nz/fsp/app/ui/fsp/version/searchSummaryCompanyFSP/FSP110887.do) --- It's important to us that we're transparent with our clients around how we offer financial advice. As a licensed Financial Advice Provider, it's also a legal obligation for us to publicly disclose certain elements of how we operate. That's what our Financial Advice Disclosure is here to do; to help you understand more about the way we work. --- ## Our Responsibilities In order for us to provide you with financial advice services we have to hold a licence to provide financial advice services issued by the Financial Markets Authority. [You can check our registration here](https://app.companiesoffice.govt.nz/fsp/app/ui/fsp/version/searchSummaryCompanyFSP/FSP110887.do). Being a Financial Advice Provider means that we have a number of responsibilities. These include: ### To be careful, diligent and skilful when we are providing you with financial advice This means making sure that we behave professionally when providing financial advice. ### To prioritise your interests whenever there's a case of conflicting interests Your interests come ahead of our own interests, or those of our representatives or advisers. You always come first. ### To meet the standards of ethical behaviour and conduct set out in the Code of Conduct In doing this, we are making sure that we treat all customers fairly and that we maintain a high standard of service. If you want to check out the Code of Professional Conduct for Financial Advice Services, [you can read it here](https://fsp-register.companiesoffice.govt.nz/help-centre/registering-a-financial-service-provider-fsp/code-of-conduct-for-financial-service-providers/). --- ## Providing Financial Advice We're proud to say that we don't charge fees, or any other types of costs, for the financial advice we provide to you. In fact, we don't charge fees or receive commissions on any advice we provide, as our staff are paid a salary. The only time we'll charge on a product or service is as an insurer, for example the administration fee on your insurance policy. That's nothing to worry about though, as we'll let you know what the costs are ahead of time. ### What financial advice can we provide? There are limitations to the financial advice we can give. Below, we break down specifically what we can and can't do. #### We can provide - Advice based on the description you have given of your needs, financial situation or goals - Advice to help you decide what type of Partners Life policy may best suit you - Advice that compares our insurance policies with other policies (note this is only through our select advisers) - Advice on individual personal (and/or business) insurance products #### We can't provide - Advice that considers anything other than the needs, financial situation or goals you've given us - Advice on non-insurance financial advice products - Advice on insurance policies sold by other providers, other than comparing other providers' policies with our insurance policies --- ## Conflicts of Interest From time to time, our financial advisers and nominated representatives may get payments or other benefits from Partners Life other than their salary. These are always linked to the overall performance of Partners Life. In addition, if you take out a policy recommended by our adviser, Partners Life may pay commission to the person or company who referred you to our adviser. We manage any potential conflicts of interests connected with payments or other benefits by requiring our advisers to consistently meet appropriate standards of ethics and quality. Our Conflict of Interest Policy requires conflicts of interest to be managed with integrity, honesty, transparency and fairness. We cover our responsibilities more in our 'Partners Life Responsibilities' section on this page, but [you can see the Code of Professional Conduct For Financial Advice Services here](https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf). --- ## Complaints If you're unhappy with any of the advice you've received from us, please check out our complaints process and get in touch. ### Our Complaints Process We want to ensure clear and open lines of communication between us and our customers and we understand that sometimes that includes taking on negative feedback. What happens when you submit a complaint: 1. We will acknowledge receipt of your complaint. There are several ways for you to get in touch with us. If you call or submit a complaint online, you will receive immediate acknowledgment. If you submit a complaint by post, you can expect an acknowledgement within five working days upon our receipt. 2. We will investigate your concerns. Where possible, we will resolve your complaint at first contact. If we are unable to resolve your concerns in the first instance and depending on the complexity of the investigation, your complaint may be escalated internally for further review. We will keep you updated with progress until we communicate a proposed resolution to your complaint. 3. If you are dissatisfied with the final outcome and a resolution can't be agreed on, you can escalate your complaint to our external dispute resolution provider, the Insurance & Financial Services Ombudsman (IFSO). To do this you will need a Letter of Deadlock to confirm we have reached the end of our internal complaints process. You will have three months from the date of the Letter of Deadlock to lodge your complaint with the IFSO. They will consider your complaint if it is within their jurisdictional limits. The IFSO provides a free and independent service – please refer to their [website](https://www.ifso.nz/) for more details. ### Contact Details for Complaints **Phone:** New Zealand: 0800 145 433 (8:30am – 5pm, Monday – Friday) International: +64 995 15020 **Email:** complaints@partnerslife.co.nz **Write to:** Complaints Officer Partners Life Limited Private Bag 300995 Albany Auckland 0752 --- ## Dispute Resolution Scheme **External Dispute Resolution Provider:** Insurance & Financial Services Ombudsman (IFSO) **Website:** [www.ifso.nz](https://www.ifso.nz/) The IFSO provides a free and independent service. A Letter of Deadlock is required before escalating to the IFSO. Complaints must be lodged within three months of the date of the Letter of Deadlock.