Contact us<\/a> for more information about how we can help tailor an insurance package to your requirements and mitigate your risks \u2013 we are a phone call away.<\/p>\n\n\n\n<\/p>\n\n\n\n
<\/p>\n\n\n\n
Contact Details<\/strong><\/p>\n\n\n\nPhysical Location:<\/strong> 15a Norman Spencer Drive, Auckland 2104<\/p>\n\n\n\nPostal Address:<\/strong> P.O. Box 76248, Manukau City, Auckland 2241
Phone:<\/strong> 09 2790935
Email:<\/strong> info@groupcarenz.co.nz<\/p>\n\n\n\nPublic Disclosure<\/mark><\/span><\/strong><\/p>\n\n\n\nGroupcare NZ Limited (FSP35823) trading as Liferaft Financial Advice holds a <\/em><\/strong>full Class 2<\/em><\/strong> license issued by the Financial Markets Authority to provide financial advice.<\/em><\/strong><\/p>\n\n\n\nGroupcare NZ Limited t.a. Liferaft Financial Advice<\/em> provides advice to our clients about their personal risk insurances including life insurance and health insurance, and Kiwisaver accounts.<\/p>\n\n\n\nOur financial advisers provide financial advice in relation to life insurance, trauma insurance, total & permanent disability insurance, income\/mortgage protection insurance, health insurance, and Kiwisaver. We only provide financial advice about products from certain providers:<\/p>\n\n\n\n
\n- For life insurance, we work with six companies \u2013 AIA, Resolution Life, Asteron Life, Chubb, Fidelity Life, and Partners Life.
For health insurance, we work with four providers \u2013 AIA, NIB, Partners Life, and Southern Cross.<\/li>\n\n\n\n - For Kiwisaver, we work with Fisher Funds.<\/li>\n<\/ul>\n\n\n\n
We follow the six step advice process:<\/p>\n\n\n\n
Step 1:<\/strong> Getting to know you and understand your needs and requirements. Define expectations of what is needed from us.
Step 2:<\/strong> Obtain information from you about your current financial position.
Step 3: <\/strong> Analysing your information and evaluating alternatives for you.
Step 4:<\/strong> Developing your financial plan to you and presenting this to you.
Step 5: <\/strong> Implementing agreed recommendations from your financial plan.
Step 6:<\/strong> Monitoring recommendations. We do this by contacting you periodically to determine if there have been any changes to your financial situation, health, or other matters which could require a modification of your financial plan.<\/p>\n\n\n\nFees and Expenses<\/strong><\/p>\n\n\n\nGroupcare NZ Limited t.a. Liferaft Financial Advice<\/em> does not charge fees, expenses or any other amount for the financial advice provided to its clients. We do, however, receive a commission from insurers when you choose to take cover through them.<\/p>\n\n\n\nConflicts of interest and incentives<\/strong><\/p>\n\n\n\nWhere possible, Groupcare NZ endeavours to avoid conflicts of interest. Groupcare NZ does not receive any production bonuses based on sales volume. Groupcare NZ does see the value in goal setting and proactivity in helping clients but, other than standard commission, does not receive any additional payments for the number of sales made.<\/p>\n\n\n\n
Groupcare NZ Limited and our financial advisers receive commissions from the providers on whose products we give financial advice (the insurers and Kiwisaver providers). If you decide to take out insurance or take Kiwisaver advice from us, the provider will pay a commission to Groupcare NZ Limited and to your financial adviser. The amount of commission is based on the amount of the premium paid or the funds under management.<\/p>\n\n\n\n
From time to time, product providers may also reward us for the overall business we provide to them. They may give us small gifts (eg. Water bottles), access to seminars, or other incentives.<\/p>\n\n\n\n
To ensure that our financial advisers prioritise the client\u2019s interests above their own, we follow an advice process that ensures our recommendations are made based on the client\u2019s goals and circumstances.<\/p>\n\n\n\n
We maintain registers of conflicts of interests, and the gifts and incentives we receive. We monitor these registers and provide additional training to our team where necessary.<\/p>\n\n\n\n
We perform an annual review of our compliance programme.<\/p>\n\n\n\n
Complaints handling and dispute resolution<\/strong><\/p>\n\n\n\nIf you are not satisfied with our financial advice service you can make a complaint by emailing anthea@groupcarenz.co.nz or by calling: 09 2790935.<\/p>\n\n\n\n
You can also write to us at P.O. Box 76248, Manukau City, Auckland 2241<\/p>\n\n\n\n
When we receive a complaint, we will consider it following our internal complaints process:<\/strong><\/p>\n\n\n\n\n- We aim to acknowledge your complaint in writing within two working days of being received.<\/li>\n\n\n\n
- We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.<\/li>\n\n\n\n
- We aim to provide a written response to your complaint within 28 working days of receiving it. If we can\u2019t resolve your complaint within this period, we will contact you within that time to let you know we need more time to consider your complaint.<\/li>\n<\/ul>\n\n\n\n
If we can\u2019t resolve your complaint, or you aren\u2019t satisfied with the way we propose to do so, you can contact Financial Service Complaints Limited. This service will cost you nothing and will help us resolve any disagreements.<\/p>\n\n\n\n
You can contact FSCL at:<\/strong><\/p>\n\n\n\nAddress:<\/strong> PO Box 5967, Lambton Quay, Wellington 6145
Telephone number:<\/strong> 0800 347257
Email:<\/strong> info@fscl.org.nz<\/p>\n\n\n\nDuties information<\/strong><\/p>\n\n\n\nGroupcare NZ Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.<\/p>\n\n\n\n
We are required to:<\/strong><\/p>\n\n\n\n\n- give priority to your interests by taking all reasonable steps to make sure our advice isn\u2019t materially influenced by our own interests<\/li>\n\n\n\n
- exercise care, diligence, and skill in providing you with advice<\/li>\n\n\n\n
- meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)<\/li>\n\n\n\n
- meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).<\/li>\n<\/ul>\n\n\n\n
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https:\/\/www.fma.govt.nz.<\/a><\/p>\n\n\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"
We find the best solutions to protect our clients and their families and are there to help when you need to claim. We have a 3 pronged approach: By asking the right questions and listening carefully we help our clients identify and articulate what truly matters to them. Our business is all about you and…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-11","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/pages\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":5,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/pages\/11\/revisions"}],"predecessor-version":[{"id":121,"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/pages\/11\/revisions\/121"}],"wp:attachment":[{"href":"https:\/\/liferaft.co.nz\/index.php\/wp-json\/wp\/v2\/media?parent=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}