Guardian Insurance Limited

Financial Services Provider

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Auckland Central

FSPR Registered

FSP Number: FSP1009528

NZBN: 9429052604553

Team Size: 11 advisers

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About Guardian Insurance Limited

What is Guardian Insurance Limited?

Guardian Insurance Limited is a financial services provider, based in Auckland Central, with 1 year on the FSPR register, and 11 appointed advisers on file.

How is Guardian Insurance Limited regulated?

Guardian Insurance Limited is registered on the Financial Service Providers Register (FSPR)as FSP1009528, with first registration in 2025. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Guardian Insurance Limited offer?

Guardian Insurance Limited's Public Disclosure Statement lists the following scope of advice: Life Insurance, Trauma Insurance, Total and Permanent Disability Insurance, Mortgage Repayment Insurance, Income Protection Insurance, Key Person Insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Guardian Insurance Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: IFSO
Services: 1 named
FAQs: 4 answered
Linked docs: 1

Scope of advice

Life Insurance
Trauma Insurance
Total and Permanent Disability Insurance
Mortgage Repayment Insurance
Income Protection Insurance
Key Person Insurance
Health/Medical Insurance
Specific Injury Cover
+2 more

Contact Information

Phone

Not available

Email

Not available

Website

Not available

Address

Level 6,167 Victoria Street West,Auckland Central,1010,New Zealand

About Guardian Insurance Limited

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Public Disclosure Statement

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

→ View Guardian Insurance Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: IFSO
Scope of advice (verbatim from PDS): Life Insurance
Trauma Insurance
Total and Permanent Disability Insurance
Mortgage Repayment Insurance
Income Protection Insurance
Key Person Insurance
Health/Medical Insurance
Specific Injury Cover
Redundancy Cover
Waiver of Premium/Premium Cover
Specialties: Life Insurance
General Insurance
Trauma Insurance
Disability Insurance
Mortgages
Income Protection
Business Insurance
Health 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: Guardian Insurance Limited trading as Guardian Insure; FSP number 1009528

Verbatim quotes from Guardian Insurance Limited's PDS (7 fields cited)

Fees

“Generally you won't be charged any fees for the financial advice we provide to you. This is possible because, on issuance of an insurance policy, the insurer usually pays commission to us. Any exceptions to this general position are explained below. If these exceptions will apply to you, we will let you know.”

Commission

“The commission is generally an upfront commission payment, but an ongoing commission payment may also be paid by the insurer. The upfront commission is calculated as a percentage of the first year's premium that you will pay. An ongoing commission is calculated as a percentage of the premium that you pay for each year the policy is in force.”

Product panel

“We only provide financial advice about products from certain providers which are listed in our disclosure guide.”

Conflicts of interest

“Our insurance partners will provide us commissions and from time to time, gifts such as event tickets and dinners. We manage the resulting conflict of interest by ensuring our advisers only recommend products where the adviser is satisfied that those products provide the best outcome for our clients, when compared with any other product we are able to recommend”

Scope of advice

“Guardian Insure provides advice to our retail clients about their personal insurances. Our Financial Advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers which are listed in our disclosure guide.”

Dispute resolution

“If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact the **Insurance and Financial Services Ombudsman (IFSO)**. IFSO provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven't been able to resolve your complaint to your satisfaction.”

Material relationships

“We may also receive a referral fee or commission payment if we refer you to our referral partners.”

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 Guardian Insurance 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.

financial advice
Advisory

Personal insurance advice tailored to client needs, covering a range of life, health, and protection insurance products.

Fees: Generally commission-based (paid by insurer); one-off fee may apply if no commission is received, agreed in writing.

For: retail

FAQs from this firm's PDS

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

Will I be charged fees for financial advice?

“Generally you won't be charged any fees for the financial advice we provide to you. This is possible because, on issuance of an insurance policy, the insurer usually pays commission to us. Any exceptions to this general position are explained below. If these exceptions will apply to you, we will let you know.”

When might a one-off fee be charged?

“If you request that we provide financial advice and we do not receive a commission from the insurer, we may charge you a one-off fee. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice.”

How are commissions calculated?

“The commission is generally an upfront commission payment, but an ongoing commission payment may also be paid by the insurer. The upfront commission is calculated as a percentage of the first year's premium that you will pay. An ongoing commission is calculated as a percentage of the premium that you pay for each year the policy is in force.”

How does Guardian Insure manage conflicts of interest?

“We manage the resulting conflict of interest by ensuring our advisers only recommend products where the adviser is satisfied that those products provide the best outcome for our clients, when compared with any other product we are able to recommend, having regard to the nature and scope of the service agreed with the client.”

Additional disclosure documents

Documents linked from Guardian Insurance 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.