Lifedirect 2020 Limited

Financial Services Provider

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Wellington

FSPR Registered

FSP Number: FSP724353

NZBN: 9429047890428

Team Size: 8 advisers

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About Lifedirect 2020 Limited

What is Lifedirect 2020 Limited?

Lifedirect 2020 Limited is a financial services provider, based in Wellington, with 6 years on the FSPR register, and 8 appointed advisers on file.

How is Lifedirect 2020 Limited regulated?

Lifedirect 2020 Limited is registered on the Financial Service Providers Register (FSPR)as FSP724353, with first registration in 2020. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Lifedirect 2020 Limited offer?

Lifedirect 2020 Limited's Public Disclosure Statement lists the following scope of advice: Life Cover, Trauma Cover, Total Permanent Disablement, Accidental Death, Income Protection, Mortgage Repayment. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Lifedirect 2020 Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 12 providers
Services: 4 named
FAQs: 6 answered
Linked docs: 2

Scope of advice

Life Cover
Trauma Cover
Total Permanent Disablement
Accidental Death
Income Protection
Mortgage Repayment
Health Cover
Referral services for House & Contents
+4 more

Contact Information

Phone

0800 222 876

Email

Not available

Website

www.lifedirect.co.nz/filesdisplay.aspx?type=docsrep&fileid=1788

Address

Level 6, 11 Chews Lane,Te Aro,Wellington,6011,New Zealand

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Public Disclosure Statement

12 providers on panel

Lifedirect 2020 Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Lifedirect 2020 Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Life Cover
Trauma Cover
Total Permanent Disablement
Accidental Death
Income Protection
Mortgage Repayment
Health Cover
Referral services for House & Contents
Referral services for Car Cover
Referral services for Pet Cover
Referral services for KiwiSaver Scheme
Mortgage advice (under NZ Financial Services Group Limited license)
Specialties: Life Insurance
Trauma Insurance
Disability Insurance
Income Protection
Mortgages
Health Insurance
Kiwisaver

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: LifeDirect 2020 Limited (FSP724353), trading as LifeDirect. Mortgage advice provided under NZ Financial Services Group Limited (FSP286965) license.

Distribution panel

Product providers Lifedirect 2020 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 · 7

AIA +39
Partners Life +38
Fidelity Life +34
Asteron Life +25
Chubb Life +13
nib +10
Greenwich Life

KiwiSaver · 1

Kōura +1

Life & Health Insurance · 2

Southern Cross +24
Accuro +11

General Insurance · 1

initio

Other products · 1

Cove

Verbatim quotes from Lifedirect 2020 Limited's PDS (3 fields cited)

Fees

“LifeDirect does not charge any fees for our service.”

Conflicts of interest

“Some of our advisers are paid a commission based on policies commencing. Other advisers are salaried but may receive other payments if they hit internal KPIs including good customer outcomes, service levels, and other non-sales related targets. All payments to advisers are subject to regular checks to ensure the advisers are meeting our internal quality standards.”

Scope of advice

“LifeDirect and our Financial Advisers can provide information and advice to our clients about their: - Life Cover - Trauma Cover - Total Permanent Disablement - Accidental Death - Income Protection - Mortgage Repayment - Health Cover”

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 Lifedirect 2020 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.

Direct (no advice)
Advisory

Self-service option where clients research and choose their own policy online without personal recommendations from advisers.

Fees: No fees charged; LifeDirect earns commission from insurer if policy proceeds.

For: retail
Digital advice
Advisory

Online platform that assesses basic needs and recommends cover levels, allowing clients to apply with an insurer online.

Fees: No fees charged; LifeDirect earns commission from insurer if policy proceeds.

For: retail
Limited advice
Advisory

Advice restricted to an agreed subset of products or providers, agreed and confirmed with the client beforehand.

Fees: No fees charged; LifeDirect earns commission from insurer if policy proceeds.

For: retail
Full personal advice
Advisory

Comprehensive advice process where a financial adviser fully assesses client needs and provides personalised insurance recommendations.

Fees: No fees charged; LifeDirect earns commission from insurer if policy proceeds.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Lifedirect 2020 Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

How do we contact LifeDirect?

“You can always contact us through our contact us page: https://www.lifedirect.co.nz/our-service/contact-us.aspx”

How much does LifeDirect's service cost?

“LifeDirect does not charge any fees for our service.”

How does LifeDirect manage conflicts of interest?

“To ensure that our Financial Advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made based on each clients' individual goals and circumstances.”

What are LifeDirect's duties under the FMC Act?

“LifeDirect and our Financial Advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to: - Give priority to your interests - Exercise care, diligence, and skill - 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”

What if I choose a direct (no advice) level?

“In choosing an insurer or policy you are acting on your own behalf, and if you have any doubts about your decision, let us know and we can provide professional insurance advice.”

What if I want personalised advice?

“If at any point during the process you think you need more personalised options, our team are more than happy to provide that. Just contact us and we can start that process.”

Additional disclosure documents

Documents linked from Lifedirect 2020 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.

www.fspr.govt.nz · Other disclosure
contact us page · Other disclosure

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.