Distribution Network
Tower Insurance distribution network in New Zealand
9 New Zealand Financial Advice Providers list Tower Insurance on their public product panel, collectively employing 59+ registered financial advisers. Data current as of 2026-07-26.
Name variants in the source data: Tower, Tower Insurance.
FAPs distributing Tower Insurance
Sorted by adviser count. Click a FAP to see their full Public Disclosure Statement mirror.
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“ANZ, ASB, BNZ, Westpac, Go Home Loans (formerly Sovereign Home Loans), The Co-operative Bank, TSB, DBR Finance, Avanti Finance, SBS, Resimac, Liberty Finance, Asset Finance, Basecorp, Goldband Finance, Prospa, Select Finance, Bluestone, First Mortgage Trust, ASAP Finance, Unity (…” — Visavis Financial Limited's PDS dated 2026-05-23 · source
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“We are able to use the products of almost any provider operating in the NZ market. These are the ones we currently choose to use.” — Castle Trust Financial Planning Limited's PDS dated 2026-05-24 · source
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“For life insurance, we work with AIA NZ, Asteron Life, Chubb, Fidelity Life and Partners Life. - For health insurance, we work with AIA NZ, NIB, Partners Life and Southern Cross Health Society. - For KiwiSaver, we work with Generate. - For travel Insurance we work with Southern C…” — Allcover Financial Limited's PDS dated 2026-05-18 · source
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“For mortgages**, we work with banks and non-bank lenders ANZ, Apricity Finance, ASAP Finance, ASB, Avanti Finance, Asset Finance, Admiral Finance, Basecorp Finance, BNZ, CFL, Cressida Capital, DBR, Funding Partners, Geneva Finance, Gold Band Finance, Kiwi Bank, Lock Finance, MBG,…” — Moneykart Limited's PDS dated 2026-05-18 · source
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“ANZ, ASB, Avanti, BNZ, Co-operative, Cressida, DBR, First Mortgage Trust, General Finance, Heretaunga Building Society (HBS), Kiwibank, Liberty, Midlands Mortgage Trust, NZCU Baywide, Pepper Money, Prospa, Resimac, SBS Bank, Select, Sovereign Home Loans, TSB Bank, Westpac, Baseco…” — Dm Consult (nz) Limited's PDS dated 2026-05-18 · source
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“ANZ - ASAP Property Finance - ASB - Asset Finance - Avanti Finance - Bank of China - Base Corp Finance - Bizcap - BNZ - First Mortgage Trust - Funding Partners - Heartland Bank (Open 4 Business and Senior Finance) - Kiwibank - Liberty Finance - Lock Finance - NBS - Pepper Money -…” — Mortgage Mart (nz) Limited's PDS dated 2026-05-18 · source
What "distribution" means here
Under New Zealand's Financial Markets Conduct Act 2013, every Financial Advice Provider (FAP) must publish a Public Disclosure Statement under section 431 covering — among other things — the product providers they are appointed to distribute. FinanceAdvisersNZ mirrors these PDSes and parses the product-panel section into structured data so that comparison across FAPs becomes possible.
Being on a FAP's product panel does not mean the FAP exclusively recommends that provider — most FAPs distribute a small set of providers per product category and recommend within that set based on client suitability. It does mean the FAP has a commercial arrangement (commission, share of fees, or other consideration) with the provider that consumers should understand before engaging.
How to use this page
If you want a New Zealand financial adviser who can advise on Tower Insurance products, this list narrows your choice to 9 FAPs. Click through to a FAP's profile page to read their full disclosure statement, see fee structure, and view conflict-of-interest disclosures before making contact.
If you want the opposite question — "what products does my adviser's FAP distribute?" — go to your adviser's profile and read the Distribution Panel section.
Methodology, freshness, and limits
- Source: Mirror of FAP Public Disclosure Statements filed under FMC Act 2013 s431. We are not the publisher of any PDS — we mirror what each FAP has made public.
- Extraction: Product-provider names are extracted from PDS markdown by Claude (LLM-extracted, confidence tier C). For original wording, refer to each FAP's own publication via the FSPR register entry linked from their profile page.
- Coverage: FinanceAdvisersNZ currently has PDS data on file for ~51 of ~521 NZ FAPs (10%). Coverage grows as we ingest more PDSes. A FAP not listed here may still distribute Tower Insurance — we simply do not yet have their PDS in our corpus.
- Freshness: PDS data is re-checked quarterly. Each FAP profile page shows the version date of the PDS we have on file.
- Name normalisation: We do not currently normalise product-provider name variants (e.g. "ASB Bank" vs "ASB"). Future data-quality pass will collapse variants.
For NZ FAPs
If you are a Financial Advice Provider and we have incorrectly listed your firm here, or if your Public Disclosure Statement has been updated since our last ingest, please contact hello@financeadvisers.co.nz and we will refresh our mirror.
For data partners + B2B intelligence buyers
FinanceAdvisersNZ publishes the static state of NZ FAP product panels (this page) as free public data. For time-series intelligence — when FAPs add or remove a provider from their panel, market-share trend reports, cross-product panel queries, switching-event alerts, or bespoke market-entry research — contact hello@financeadvisers.co.nz.
Machine-readable data + related queries
- MCP query: Send
get_network_edges(edge_type='fap_to_product_provider', to_id='Tower Insurance')to /mcp via JSON-RPC 2.0 - FAP register check: Look up any listed FAP by FSP number at the Financial Service Providers Register (authoritative source)
- Other adviser networks: view all distribution networks
- Find an adviser by service + city: filterable directory
FinanceAdvisersNZ is a directory mirror of public NZ register and FAP disclosure data. We are not a Financial Advice Provider, do not provide regulated financial advice, and do not vet, verify, or endorse advisers.