# Kilworths - Insurance & Investment Limited — Public Disclosure Statement *Mirror of FAP Public Disclosure Statement filed under FMC Act 2013 s431.* - **Version date:** 2026-06-06 - **Source URL:** https://kilworths.co.nz/compliance/ - **Source PDF SHA256:** `598903ba53d499e6b419bbdc15379cc4...` - **Confidence tier:** C (LLM-extracted from PDF) - **Extracted via:** sonnet-html-v1 - **Ingested:** 2026-06-06 - **Machine-readable facts:** [facts.json](https://financeadvisers.co.nz/api/provider/FSP730412/facts.json) - **All versions on file:** [filings.json](https://financeadvisers.co.nz/api/provider/FSP730412/filings.json) - **Authoritative register:** https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP730412 > **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. --- # Compliance – Kilworths Insurance & Investment Ltd ## Disclosure Documents --- ### Scott Kilworth **Director, Kilworths – Insurance & Investment Ltd** #### Licensing Information Kilworths – Insurance & Investment (FSP 730412) holds a licence issued by the Financial Markets Authority. Scott Kilworth (FSP113245) holds a licence issued by the Financial Markets Authority. #### Nature and Scope of the Advice Kilworths – Insurance & Investment only provides advice to clients about their Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection, Waiver of Premium, Shareholder Protection, Business Continuity, Debt Protection, Health Insurance and KiwiSaver. **Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection, Waiver of Premium, Shareholder Protection, Business Continuity, Debt Protection** – providers: - AIA - AMP - Asteron - Chubb - Fidelity Life - Foundation Life **Health Insurance** – providers: - NIB - Southern Cross **KiwiSaver** – providers: - AMP - Fisher Funds For pure investment advice, planning requirements or Fire and General Insurance, clients will be referred to partnered providers to receive this specialisation. #### Fees and Expenses Kilworths – Insurance & Investment does not charge fees, expenses or any other amount for the financial advice provided to its clients. #### Conflicts of Interests and Incentives Kilworths – Insurance & Investment receive commission from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Kilworths Insurance & Investment. The amount of commission is based on the amount of the premium or the KiwiSaver balance. Kilworths Insurance & Investment will also receive commission from referrals to Vision Insurance (Fire and General) and Wealth Management (KiwiSaver). #### Complaints Handling and Disputes Resolution If you are not satisfied with our financial services you can make a complaint by: - **Email:** complaints@kilworths.co.nz - **Post:** PO Box 5, 125 Tancred Street, Ashburton When we receive a complaint, we will follow our internal disputes resolution process: 1. We will consider your complaint and let you know how we intend to solve it. 2. We may need to contact you to get further information about your complaint. If we need to do so, we will within 5 days. 3. Our aim is to resolve complaints within 2 weeks. If we cannot, we will let you know we need more time to consider your complaint. 4. We will contact you to let you know whether we can resolve your complaint and how we propose to do so. If we cannot resolve a complaint or you are not happy with the way we intend to do so, you can contact the **Insurance & Financial Services Ombudsman Scheme** (free of charge): > Insurance & Financial Services Ombudsman Scheme > Level 2 Solnet House, 70 The Terrace, Wellington 6143 > PO Box 10-845, Wellington 6143, New Zealand > **Freephone:** 0800 888 202 > **Phone:** (04) 499 7612 > **Email:** info@ifso.nz #### Duties Information Kilworths – Insurance & Investment, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2012 relating to the way that we give advice. We are required to: - Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests. - Exercise care, diligence, and skill in providing you with advice. - Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services. - Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services. More information is available at [www.fma.govt.nz](http://www.fma.govt.nz). --- ### James Cochrane #### Licensing Information Kilworths – Insurance & Investment (FSP 730412) holds a licence issued by the Financial Markets Authority. James Cochrane (FSP1004255) holds a licence issued by the Financial Markets Authority. #### Nature and Scope of the Advice Kilworths – Insurance & Investment only provides advice to clients about their Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection, Waiver of Premium, Shareholder Protection, Business Continuity, Debt Protection, Health Insurance and KiwiSaver. **Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection, Waiver of Premium, Shareholder Protection, Business Continuity, Debt Protection** – providers: - AIA - Resolution Life - Asteron - Chubb - Fidelity Life - Foundation Life **Health Insurance** – providers: - NIB - Southern Cross For pure investment advice and planning requirements or Fire and General Insurance, clients will be referred to partnered providers to receive this specialisation. #### Fees and Expenses Kilworths – Insurance & Investment does not charge fees, expenses or any other amount for the financial advice provided to you. Kilworths – Insurance & Investment is paid in the form of commission by the providers through which we place business. The amount of commission is based on the premiums you pay. | Commission Type | Rate | |---|---| | Up-front commission | Between 20% and 200% of the policy's premium | | Ongoing (trail) commission | Between 7% and 30% of the policy's premium, for each year the policy is in force | #### Complaints Handling and Disputes Resolution If you are not satisfied with our financial services you can make a complaint by: - **Email:** complaints@kilworths.co.nz - **Post:** PO Box 5, 125 Tancred Street, Ashburton When we receive a complaint, we will follow our internal disputes resolution process: 1. We will consider your complaint and let you know how we intend to solve it. 2. We may need to contact you to get further information about your complaint. If we need to do so, we will within 5 days. 3. Our aim is to resolve complaints within 2 weeks. If we cannot, we will let you know we need more time to consider your complaint. 4. We will contact you to let you know whether we can resolve your complaint and how we propose to do so. If we cannot resolve a complaint or you are not happy with the way we intend to do so, you can contact the **Insurance & Financial Services Ombudsman Scheme** (free of charge): > Insurance & Financial Services Ombudsman Scheme > Level 2 Solnet House, 70 The Terrace, Wellington 6143 > PO Box 10-845, Wellington 6143, New Zealand > **Freephone:** 0800 888 202 > **Phone:** (04) 499 7612 > **Email:** info@ifso.nz #### Advice Process James follows an internationally recognised 6-step advice process: 1. Establishing the area of advice for the current engagement (Scope of Service and Engagement) 2. Questioning and discussing your needs and objectives (Needs Analysis) 3. Further analysis and designing a solution to match your needs 4. Preparing a written report (Statement of Advice) 5. Presenting recommendations and implementing any agreed solutions 6. Reviewing solutions and strategies on a regular basis #### Duties and Obligations James has duties and obligations under the Financial Markets Conduct Act 2013 relating to the way advice is given, including requirements to: - Ensure you understand the nature and scope of advice you ask for. - Provide a service that is relevant to an agreed scope of advice and suitable to your circumstances and needs. - Listen to your needs, concerns and preferences, and treat you fairly and with respect. - Act with integrity and give priority to your interests, not his own. - Exercise care, diligence and skill. - Meet the necessary standards of competence, knowledge and skill required. - Ensure you understand recommendations and any associated risks. - Keep you informed along the way and communicate in a timely, clear and effective manner. --- *Note: No professional indemnity insurer or indemnity limit is stated on this page. No separate linked sub-documents were identified.*