Spratt Financial Services 2004 Limited

Financial Services Provider

★★★★★

5 Read 9 reviews on Google

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

Auckland

FSPR Registered

FSP Number: FSP81241

NZBN: 9429035254850

Team Size: 8 advisers

Verify on FSPR

About Spratt Financial Services 2004 Limited

What is Spratt Financial Services 2004 Limited?

Spratt Financial Services 2004 Limited is a financial services provider, based in Auckland, with 15 years on the FSPR register, and 8 appointed advisers on file.

How is Spratt Financial Services 2004 Limited regulated?

Spratt Financial Services 2004 Limited is registered on the Financial Service Providers Register (FSPR)as FSP81241, with first registration in 2011. Disputes are handled by Insurance & Financial Services Ombudsman Scheme Inc.. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Spratt Financial Services 2004 Limited offer?

Spratt Financial Services 2004 Limited's Public Disclosure Statement lists the following scope of advice: life insurance, health insurance. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Spratt Financial Services 2004 Limited's PDS dated 2026-05-18 · PDF source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: IFSO
Panel: 8 providers
Services: 2 named
FAQs: 4 answered
Linked docs: 3

Scope of advice

life insurance
health insurance

Contact Information

Phone

09 307 8200

Email

Not available

Website

www.spratt.co.nz

Address

3 Morton Street,Auckland Central,Auckland,1010,New Zealand

About Spratt Financial Services 2004 Limited

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Public Disclosure Statement

8 providers on panel

Spratt Financial Services 2004 Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-18 · source format PDF.

→ View Spratt Financial Services 2004 Limited's original disclosure PDF · 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
health insurance
Specialties: Life Insurance
General 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.

Distribution panel

Product providers Spratt Financial Services 2004 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.

Life & Health Insurance · 8

AIA +39
Partners Life +38
Fidelity Life +34
Asteron Life +25
Chubb Life +13
Resolution Life +8
nib
Southern Cross Health Society

Verbatim quotes from Spratt Financial Services 2004 Limited's PDS (7 fields cited)

Fees

“Spratt Financial Services does not charge fees, expenses or any other amount for the financial advice provided to its clients.”

Commission

“Spratt Financial Services 2004 Ltd receives commissions from the providers on whose products we give financial advice (the insurers). If you decide to take out insurance, the provider will pay a commission to Spratt Financial Services. The financial advisers are salaried employees. The amount of commission is based on the amount of the premium.”

Product panel

“For life insurance, we work with the following companies, American International Assurance (AIA), Asteron Life, Chubb Life, Fidelity Life, Partners Life and Resolution Life. For health insurance, we work with nib Health, Southern Cross Healthcare, AIA Life.”

Conflicts of interest

“From time to time, product providers may also reward us for the overall business we provide to them. We do not accept these offers which are typically tickets to sports events, hampers, or other incentives.”

Scope of advice

“Spratt Financial Services 2004 Ltd provides advice to our clients about their, life insurance and health insurance. Our financial advisers provide financial advice in relation to, life insurance and health insurance.”

Dispute resolution

“The Insurance & Financial Services Ombudsman Scheme Inc. 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

“Spratt Financial Services 2004 Ltd receives commissions from the providers on whose products we give financial advice (the insurers). If you decide to take out insurance, the provider will pay a commission to Spratt Financial Services.”

Verbatim spans extracted from the source PDS dated 2026-05-18. 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 Spratt Financial Services 2004 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 insurance
Advisory

Financial advice on life insurance products from AIA, Asteron Life, Chubb Life, Fidelity Life, Partners Life and Resolution Life.

Fees: No fees charged to clients; adviser firm receives commission from insurer based on premium amount.

For: retail
health insurance
Advisory

Financial advice on health insurance products from nib Health, Southern Cross Healthcare, and AIA Life.

Fees: No fees charged to clients; adviser firm receives commission from insurer based on premium amount.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Spratt Financial Services 2004 Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

Does Spratt Financial Services charge fees for financial advice?

“Spratt Financial Services does not charge fees, expenses or any other amount for the financial advice provided to its clients.”

How does Spratt Financial Services get paid?

“Spratt Financial Services 2004 Ltd receives commissions from the providers on whose products we give financial advice (the insurers). If you decide to take out insurance, the provider will pay a commission to Spratt Financial Services. The financial advisers are salaried employees. The amount of commission is based on the amount of the premium.”

What happens if my complaint cannot be resolved internally?

“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 & Financial Services Ombudsman Scheme Inc. L2, Solnet House, 70 The Terrace, Wellington 6143 0800 888 202”

What insurance products does Spratt Financial Services advise on?

“Spratt Financial Services 2004 Ltd provides advice to our clients about their, life insurance and health insurance. Our financial advisers provide financial advice in relation to, life insurance and health insurance.”

Additional disclosure documents

Documents linked from Spratt Financial Services 2004 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.

http://www.ifso.nz · Complaints Process
https://www.fma.govt.nz · Other disclosure
www.spratt.co.nz · 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.