disclosure - summary
Financial Adviser: Tai Nuualiitia [FSP106465]
Financial Advice Provider: Equal3 Limited [FSP741671]
Licence Holder: Community Broker Network NZ Limited [FSP1003687]
Licencing Information:
Equal3 Limited [Equal3] is a Financial Advice Provider and the Named Authorised Body that provides a financial advice service under the Financial Advice Provider Licence, held by Community Broker Network NZ Limited [CBN NZ] as approved by the Financial Markets Authority [FMA].
Nature & Scope of the Advice:
Equal3 is a financial advice provider of Fire & General Insurance. Our financial adviser Tai Nuualiitia provides advice in relation to the financial advice products offered.
Equal3 can provide financial advice on a variety of products, which includes but is not limited to:
business insurance - property, business interruption and liability; commercial and private motor vehicles; house and contents; marine; trade credit; travel; engineering & contract works; event cancellation; mobile plant; forestry; pleasure craft and commercial hull.
Equal3 uses a wide range of New Zealand based and overseas providers, which includes but is not limited to:
AIG; Allianz; Ando; Berkshire Hathaway; Certain Underwriter's at Lloyds; Chubb; Delta; Dual; IAG [NZI & Lumley]; Mecon; NM Insurance; Protecsure; Rosser; Star; Vero; Zurich.
Equal3 will NOT provide advice on:
Life and Health Insurance; investments; Kiwisaver; Medical Insurance or Mortgages so you will need to consult a specialist if you want advice on these products.
Equal3 can refer a specialist who deals with these products to contact you, if you require.
How we get paid:
We earn our income from either a fee charged or commission/brokerage [calculated as a % of the company and natural disaster premiums charged to you] that is earned and ceded to Equal3 from providers. This income can be a combination of both.
Premium Funding:
Premium funding allows you to pay your insurance premium by instalments, rather than a lump sum payment.
Premium funding companies charge interest and they take a power of attorney over your insurance policy. This means they can cancel your insurance policy if you fail to pay an instalment.
Complaints:
Our process is outlined in the 'Complaints' tab on our navigation bar above.
Our Duty:
This is disclosed in our 'Standards' tab on our navigation bar above.