Disclosure Guide
Here is some key information you need to know to help you understand what type of advice I am able to give you, so that you can make an informed and confident choice when engaging me.
Details about me and my Financial Advice Provider
Full Name: Weihua Wang
Address: 24 Siren Street, Wainuil, Auckland, 0932, New Zealand
Phone: 027 379 2236
Email: susan.wang@iplusinsurance.co.nz
FSPR Number: 559987
Financial Advice Provider: IPlus New Zealand Limited
Trading as: IPlus New Zealand Limited
FSPR Number: 770241
Address: 24 Siren Street, Wainuil, Auckland, 0932, New Zealand
Phone: 027 379 2236
Email: susan.wang@iplusinsurance.co.nz
My Financial Advice Provider is a member of NZ Financial Services Group Limited.
Licensing Information
My Financial Advice Provider is authorised to provide a financial advice service under a current financial advice provider licence issued by the Financial Markets Authority in the name of: IPlus New Zealand Limited
FSPR Number: 770241
Nature and Scope of Advice
I will analyse your insurance needs and help you apply for and choose cover that is suitable for your purpose. I may also be able to help you maintain your insurance policy, for example if there are changes in your circumstances requiring changes to the cover.
Insurers I use
- AIA
- Asteron Life
- NIB
- Partners Life
- Southern Cross
Products I can advise on
- Life
- Income Protection
- Health
- Trauma
- Permanent Disablement
- Mortgage Protection/Repayment
- Redundancy Cover
- Waiver of Premium/Premium Cover
Fees and Expenses
Generally you won’t be charged any fees for the financial advice I provide to you. This is possible because insurers usually pay commission.
One-off Fees
I may charge you a one-off fee if:
- I do not receive a commission from the insurer.
- You request advice on a product outside my usual panel.
Commissions & Incentives
- Commissions are typically upfront and/or ongoing, based on premiums.
- Referral fees may also apply.
- Occasionally I may receive non-monetary incentives (e.g., gifts, tickets).
| Insurer | Upfront (max) | Ongoing (max) |
|---|---|---|
| Asteron Life | 200% | 10% |
| NIB | 140% | 5% |
| Southern cross | 20% | 10% |
| Partners Life | 200% | 10% |
| AIA | 200% | 3% |
Privacy Policy & Security
- Personal information is collected under my Privacy Policy.
- Data may be shared with NZ Financial Services Group Limited for audits.
- Stored securely on Amazon Web Services.
Complaints Process
If you have a complaint:
- Contact me via phone or email (Subject: Complaint - Your Name).
- I will acknowledge within 24 hours and record it.
- Aim to resolve within 7 working days.
- If unresolved, you can refer to:
Insurance and Financial Services Ombudsman
Email: info@ifso.nz
Phone: 0800 888 202
Website: ifso.nz
PO Box 10-845, Wellington 6143
My Duties
Under the Financial Markets Conduct Act 2013, I must:
- Meet standards of competence, knowledge, and skill.
- Prioritise client interests.
- Exercise care, diligence, and skill.
- Meet ethical behaviour and client care standards.
Availability of Information
This information can also be provided in hardcopy upon request.