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Copyright and Legal

We Are Not Financial Advisers

We are financial services management consultants. That means we provide management consulting services only to the industry and offer no financial advice. If you are looking for financial advice we recommend you seek an appropriately Registered or Authorised Financial Adviser or a suitable member of a Qualifying Financial Entity.

Sometimes we write about different features or components of insurance and present them in a way which makes it easier to compare. It is not a recommendation or opinion about which product to purchase. Interpretation of insurance contracts is difficult and we recommend that you seek the advice of a properly registered or authorised financial adviser experienced in providing insurance advice. The information is intended as a guide to comparison only. Due to the risk of errors and omissions and necessary assumptions made in considering how products might operate in the future financial advisers and their clients should always refer to the actual policy documents issued by the insurer to satisfy themselves on any particular point and, where necessary, seek legal advice.

We Are Not Legal Advisers or Accountants

While we often highlight legal or financial issues for our clients we always request that you seek your own independent legal advice. Our domain is to consider the business implications, usually in the areas of marketing, strategy, and product design.

You Are Responsible for the Actions You Take

Both the content of this site and any reporting or data that we supply in the course of management consulting is not warranted to be complete or without error. You are responsible for the actions that you take and cannot claim that we are liable or partly for decisions that you make in which you have, either in whole or part, used our information. 

Our Content is Copyright

Unless otherwise stated all content on the site is the property of Chatswood Consulting Limited or Quality Product Research Limited and we own the copyright to them. If you need to know which and it is not clear from the article context please contact us.

Advisers wishing to use content are most welcome to send an email, explain what they want to use, and we will do our best to accommodate you - much of the news content we are, in fact, happy to share, provided you explain the use and seek our written permission first.

Your Copyright Content

If we have used your material and you feel that we have breached your copyright please contact us immediately and we shall do our best to remove the item, properly credit you, or send traffic to you. As creators of intellectual property we understand that you wish to protect yours.

Quoting Content

You are welcome to link to us and to quote sections from our article provided that no single quote exceeds 100 words (longer than that and you should write and ask). Please credit us with the quote noting the author, date, and including a link. Dating posts helps because things change over time and what we say on one date can be incorrect at a later date. If you use our content wholesale we reserve the right to ask you to take it down, and seek other remedies beyond that if necessary. 

If We Quote You

If we have quoted you on the site and you are in any way unhappy with how we have referenced to you please let us know. It is our intention to have a good relationship with everyone in the industry, and especially we have sympathy for those that write about the industry - we know your challenges, even if we may disagree on a viewpoint on a particular issue.

Images

In general, unless otherwise stated, images on this site are original content developed specifically by us. Usually photographs, charts, or diagrams that we have developed. As with written content, if you would like to use our images please contact us.

Unless otherwise noted images are in the nature of illustrations, rather than literal portrayals. They may have been created by merging images using image editors and may not be pictures of a real scene or item.

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Russell
Russell Hutchinson, MBA, GDipMktg, Director, Strategy, Sales and Marketing Consulting
Kelly
Kelly Pulham, BSR,Business Development Manager  
Fran
Frances Hutchinson, BEng, Database Analyst  
Jerusalem
Jerusalem Hibru, MMktg, BCom, Marketing Officer
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Melissa Waddel, Administrator
Rob
Rob Dowler,  BA, BSC, Dip. Bus. Studies (Personal Financial Planning), Compliance Consultant Consultant, industry and compliance
Shaun
Shaun Dowler, BE, PhD, Data Science Consultant
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Ed Foster, BA, Data Analyst Consultant
Wanyi Yang
Wanyi Yang, MIntFin, PhD, Financial Analyst Consultant
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Michael Larsen, BA, Consultant

Life and Health Insurers

  • Accuro
  • AIA
  • AMP
  • Asteron Life
  • BNZ Life
  • Cigna
  • Co-Operative Life
  • Fidelity Life
  • Kiwi Insurance
  • Momentum Life
  • nib
  • Partners Life
  • Pinnacle Life
  • Southern Cross
  • Southern Cross Life Insurance
  • UniMed
  • Westpac Life

General Insurers

  • AMP
  • AMI Insurance
  • AA insurance
  • IAG
  • State
  • Lumley General Insurance
  • Marac
  • Southern Cross Insurance
  • Co-op Insurance NZ
  • Cove Insurance

Banks and Credit Unions

  • Medical Assurance Society NZ Limited
  • Pinnacle Life
  • The Co-operative Bank
  • Co-op Money NZ
  • Aotearoa Credit Union
  • NZCU Auckland
  • Rabobank
  • HSBC
  • TSB Bank
  • ANZ
  • Kiwibank
  • Westpac
  • BNZ
  • ASB

Dealer Groups

  • New Zealand Financial Services Group
  • Kepa
  • Canopy Group
  • SHARE
  • Newpark Financial Services

Kiwisaver providers

  • AMP
  • ANZ
  • Aon
  • ASB
  • BNZ
  • Booster
  • Craigs Investment Partners
  • Fisher Funds Management Ltd
  • Generate
  • Grosvenor Financial Services
  • Juno
  • Kiwi Wealth
  • Kiwibank
  • Medical Assurance Society
  • Mercer
  • Milford Asset Management‎
  • NZ Association of Credit Unions
  • NZ Funds
  • OnePath
  • Pathfinder Asset Management
  • Simplicity
  • Smartshares Limited
  • Stables Rodway
  • Summer
  • Super Life
  • Supereasy
  • Westpac

Insurance Advisers

  • Rothbury Insurance Brokers
  • Baileys Insurance Brokers
  • Medical & Health Insurance Brokers Ltd
  • Crombie Lockwood
  • Barnes Jenkins Insurance Brokers
  • AON
  • Lifetime
  • New Zealand Employee Benefits
  • Abbott Insurance Brokers
  • The Insurance Brokers
  • SP Insurance
  • Apex Advice Group
  • NZ Advice Group
  • Brave Day Insurance Advisers
  • Spratt Financial Services
  • LIFE-TIME Financial Group
  • One50 Group Ltd
  • Amicus
  • Finluca Life & Health Insurance Advisers
  • Ease Insurance
  • SHARE
  • Rethink Group
  • Aurora Insurance
  • Plus4 Insurance Solutions
  • Adelphi Insurance
  • Phoenix Adviser Group
  • AdviceFirst NZ Financial Advisers
  • PIC Insurance Brokers
  • Premier Life Brokers Ltd
  • Custom Financial Solutions

Mortgage Advisers

  • Mike Pero Mortgage brokers
  • Mortgage Solutions
  • Adam Parore Mortgages
  • Approved Mortgage Brokers
  • New Zealand Homeloans
  • ADVOCO Mortgages & Insurance
  • Mortgage Express
  • Advanced Mortgage Solutions
  • Squirrel Mortgage Brokers
  • Lifetime
  • LJ Hooker
  • iRefi
  • The Mortgage Supply Co
  • LoanPlan Mortgage Brokers Auckland
  • Prosper Group
  • Nido Group
  • Apex Advice Group
  • Mortgage Link Auckland
  • Keystone Advice Group
  • Professional Financial Group Ltd
  • Mortgage Managers
  • Mortgage Group
  • INNOVEST
  • The Advice Group
  • Lime Group

Industry Organisations

  • Financial Services Council
  • Health Funds Assoc
  • Shape of Money
    Good Adviser Site
  • NZ Bankers Association
  • The Financial Services Federation
  • Insurance brokers association of NZ
  • Australian & NZ Institute of Insurance & Finance
  • Insurance Council of New Zealand
  • Office of the Retirement Commissioner
  • Sorted
  • Co-op Money NZ
  • Insurance and Savings Ombudsman
  • Financial Advice New Zealand

Government Financial links

  • Financial Adviser Code Committee Site
  • Government's Business Site
  • Parliament
  • NZ Legislation
  • Financial Markets Authority
  • ETITO
  • New Zealand Treasury
  • Reserve Bank of New Zealand
  • Ministry of economic development

Actuaries

  • Davies Financial & Actuarial Ltd
  • Deloitte
  • Melville Jessup Weaver
  • PWC

Archives

  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020

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