Advice 4 Life Limited

Financial Services Provider

★★★★★

5 Read 2 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Hamilton

FSPR Registered

FSP Number: FSP489726

NZBN: 9429041279601

Team Size: 20 advisers

Verify on FSPR

About Advice 4 Life Limited

What is Advice 4 Life Limited?

Advice 4 Life Limited is a financial services provider, based in Hamilton, with 10 years on the FSPR register, and 20 appointed advisers on file.

How is Advice 4 Life Limited regulated?

Advice 4 Life Limited is registered on the Financial Service Providers Register (FSPR)as FSP489726, with first registration in 2016. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Advice 4 Life Limited offer?

Advice 4 Life Limited's Public Disclosure Statement lists the following scope of advice: Life cover, Trauma/critical illness cover, Income protection, Medical/health insurance, Key person cover, Shareholder protection. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Advice 4 Life Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: IFSO
Panel: 26 providers
Services: 6 named
FAQs: 4 answered
Linked docs: 2

Scope of advice

Life cover
Trauma/critical illness cover
Income protection
Medical/health insurance
Key person cover
Shareholder protection
Business continuity cover
House and contents insurance
+10 more

Contact Information

Phone

0508 440 044

Email

Not available

Website

www.advice4life.co.nz

Address

11 Garden Place,Hamilton Central,Hamilton,3204,New Zealand

About Advice 4 Life Limited

Company profile coming soon

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Public Disclosure Statement

26 providers on panel

Advice 4 Life Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Advice 4 Life Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): Life cover
Trauma/critical illness cover
Income protection
Medical/health insurance
Key person cover
Shareholder protection
Business continuity cover
House and contents insurance
Motor vehicle insurance
Home loans - new lending
Home loans - refinancing
Home loans - refixing

+6 more
Specialties: Life Insurance
Trauma Insurance
Income Protection
Health Insurance
General Insurance
Business Insurance
Mortgages
Lending
Kiwisaver
Investments
Disability Insurance

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.
Ownership: Advice4Life Limited (FSP489726) is the licensed FAP. Advice4Life Wealth Limited (FSP1011795) is authorised to provide financial advice under the FAP licence. Both trade as Advice4Life Limited.

Distribution panel

Product providers Advice 4 Life Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Lending & Mortgages · 11

Liberty Financial +6
Avanti Finance +3
ANZ Bank New Zealand Limited +2
The Co-operative Bank Limited +2
Kiwibank +2
Westpac New Zealand Limited +1
Bank of New Zealand (BNZ)
Pepper Money New Zealand Limited
Prospa New Zealand Limited
SBS Bank Limited
Unity Bank Limited

KiwiSaver · 5

ANZ New Zealand Investments Limited +1
Booster Investment Management Limited
Generate Investment Management Limited
Milford Asset Management Limited
Pathfinder Asset Management Limited

Life & Health Insurance · 8

Fidelity Life Assurance Company Limited +4
Asteron Life Limited +3
Partners Life +3
AIA New Zealand Limited +2
Chubb Life Limited
UniMed Insurance Limited
nib New Zealand Limited
Southern Cross Health Society

General Insurance · 2

AON Stylecover +1
Blanket Insurance

Verbatim quotes from Advice 4 Life Limited's PDS (5 fields cited)

Fees

“In many cases, our financial advice service is free to you. Instead, we receive commission from the product providers we work with. This may include: - Upfront commission - Ongoing commission/trail - Fixed fees depending on the product The amount depends on your insurance premium, loan amount, KiwiSaver balance or investment amount.”

Commission

“we receive commission from the product providers we work with. This may include: - Upfront commission - Ongoing commission/trail - Fixed fees depending on the product The amount depends on your insurance premium, loan amount, KiwiSaver balance or investment amount.”

Product panel

“AIA New Zealand Limited - Asteron Life Limited - Chubb Life Limited - Fidelity Life Assurance Company Limited - Partners Life Limited - UniMed Insurance Limited - nib New Zealand Limited - Southern Cross Medical Society”

Conflicts of interest

“From time-to-time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, sponsor our training or other incentives. To ensure our recommendations always put your interests first: - We follow a documented advice process focused on your goals - Our advisers receive annual training on managing conflicts of interest”

Scope of advice

“Our financial advisers can provide advice to our clients on: ### Life and Health Insurance - Life cover - Trauma/critical illness cover - Income protection - Medical/health insurance ### Business Insurance - Key person cover - Shareholder protection - Business continuity cover ### General Insurance - House and contents - Motor vehicle”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Advice 4 Life Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

Life and Health Insurance
Advisory

Advice on life cover, trauma/critical illness, income protection, and medical/health insurance.

Fees: Generally commission-based (upfront and/or trail). Fee may apply if policy cancelled within two years.

For: retail
Business Insurance
Advisory

Advice on key person cover, shareholder protection, and business continuity cover.

Fees: Generally commission-based (upfront and/or trail). Fee may apply if policy cancelled within two years.

For: retail
General Insurance
Advisory

Advice on house and contents and motor vehicle insurance.

Fees: Commission-based from product providers.

For: retail
Home Loans
Advisory

Advice on new lending, refinancing, refixing, and top-ups.

Fees: Commission-based. Fee may apply if home loan cancelled within two years of starting.

For: retail
KiwiSaver Advice
Advisory

Advice on choosing and reviewing your KiwiSaver provider.

Fees: Commission paid by provider where applicable; otherwise no charge to client.

For: retail
Investments
Advisory

Advice on managed funds, investment portfolios, KiwiSaver schemes, and long-term wealth creation.

Fees: $300/hr plus GST for advice; retainer fee (% of FUM) for investment management service.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Advice 4 Life Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

What duties do Advice4Life and its advisers have under the FMC Act?

“Under the Financial Markets Conduct Act 2013, we and anyone giving financial advice on our behalf must: - Act in your interests and take all reasonable steps to ensure our advice is not influenced by our own interests - Exercise care, diligence and skill - Meet the competence, knowledge and skill standards set by the Code of Professional Conduct for Financial Advice Services - Meet the ethical behaviour, conduct and client care standards in the Code”

How does Advice4Life get paid for its advice?

“In many cases, our financial advice service is free to you. Instead, we receive commission from the product providers we work with. This may include: - Upfront commission - Ongoing commission/trail - Fixed fees depending on the product The amount depends on your insurance premium, loan amount, KiwiSaver balance or investment amount.”

Are fees ever charged directly to clients?

“We may charge a fee if a client cancels a life or health insurance policy or home loan within two years of it starting. If this does apply to you, we'll let you know. The fee will be invoiced and payable by the 20th of the month following cancellation.”

How does Advice4Life manage conflicts of interest?

“To ensure our recommendations always put your interests first: - We follow a documented advice process focused on your goals - Our advisers receive annual training on managing conflicts of interest - We maintain registers of conflicts, gifts and incentives which Advice4Life monitors - We complete regular quality assurance reviews, including an independent external compliance review”

Additional disclosure documents

Documents linked from Advice 4 Life Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

complaint process page · Complaints Process
privacy policy · Privacy Policy

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.