Important Information
R&P Insurance LTD (FSP 1001975) Important Information about our Business
R&P Insurance Ltd is a Licensed Financial Advice Provider issued by the FMA to provide financial advice services. Financial Services Provider Number (FSP) is 1001975.
Our office contact details
Address: 53 Te Korari Street, Marshland – CHCH 8083
Phone: Rochelle 027 270 8850 or Philly 021 828 739
Email: kiaora@randpinsurance.co.nz
Website: randpinsurance.co.nz
Our Advisers
Rochelle Carly – FSP776711
Philippa (Philly) McMeekan – FSP100057
Sophie Heath – FSP1006658
Jenna Carruthers – FSP1001987
Mortgages with Jenna’ provides mortgage advice under the FAP, for specific disclosure around Jenna’s services, fees and commission, please see: www.mortageswithjenna.co.nz.
Nature and Scope of financial advice services
Our Services
Personal Insurance
General Insurance
Debt management, including borrowing for personal and investment purposes
KiwiSaver
Products we can provide financial advice about:
Personal and group Insurance (life cover, disability, income protection, trauma, and Health/Medical Cover)
General Insurance (House, Contents and Car)
Loans including mortgages, reverse mortgages, and personal loans
KiwiSaver investments
Product providers we might recommend:
AIA
Asteron
Chubb
Fidelity
NIB
Partners Life
Lending Product providers we might recommend:
ANZ Bank
Funding Partners
ASB Bank
Heartland Bank
BNZ Bank
Pepper Money
KiwiBank
Plus Finance
Westpac
Prospa
ASAP Finance
Resimac
Avanti Finance
SBS
Basecorp
Southern Cross Partners
Co-operative Bank
TSB Bank
Cressida Capital
Unity Credit Union
DBR
First Mortgage Trust
KiwiSaver Product providers we might recommend:
Booster
Fisher Funds
Generate
Milford
GoalsGetter
Pathfinder
Who we may refer you to:
General Insurance Adviser or directly with Tower Insurance – general insurance (house, contents, car)
Runacres Insurance – business general insurance brokers
Other financial advisers (example: investment advisers)
Each of these providers have their own important information statements and disclosure information that they will provide to you directly.
We will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products.
R&P Insurance LTD – Important Information 08/2026
In providing you with financial advice, we will only consider your disposable income and will not take your spending behaviour into account, we recommend factoring in the long term affordability of your insurance premiums.
Our fees:
We don’t charge our clients fees, expenses, or anything else directly for the financial advicewe provide in relation to Insurance. This is made possible by the commission we may receive from a product provider.
Specific fee information for ‘Mortgages with Jenna’ can be found at www.mortgageswithjenna.co.nz
Commissions:
For services in relation to Life + Health insurance, commissions may be paid by the product provider as follows:
Initial commission - a percentage of the value of your insurance premiums; this may be between 25% to 230% of those annual premiums.
Ongoing commission - a percentage of the value of your premiums, usually calculated at the end of each month or on renewal of insurance products each year. This may be between 5% - 25% of those annual premiums.
General Insurance: Referral fees paid by Tower Insurance and/or by General Insurance advisers for which we have formal agreements in relation to general insurance
Initial commission – a percentage of the value of your insurance premiums; this may be between 10-20% of those annual premiums.
Ongoing commission - a percentage of the value of your premiums, usually calculated at the end of each month or on renewal of insurance products each year. This may be between 5-15% of those annual premiums.
Referral fees paid by and to other financial advisers
If you require financial advice, we are unable to provide, we may refer you to a qualified financial adviser. We may be given a referral fee if you move forward with any advice. This may be between 0-30% of any commission provided to the financial adviser for services or investments implemented. Full disclosure will be provided at the time of the advice given by that adviser.
Other financial advisers may refer clients to us for advice we are qualified to provide. We may pay them a referral fee; this may be between 0-30% of any commissions we receive as a result of implementing Life + Health Insurance advice. Full disclosure of this fee will be provided at the time of advice by R&P Insurance LTD and its advisers.
For services in relation to KiwiSaver, commissions may be paid by the product provider as follows:
Booster:
0.5% p.a Funds under Management
Generate:
$40 - $240 Upfront based on the balance transferred.
0.25% p.a. Funds under Management
GoalsGetter:
$0-$400 upfront
0.20% – 0.50% p.a Funds under Management
Fisher Funds:
$250 upfront for new or transferred member
0.25% pa Funds under Management
Milford:
0.20% - 0.5% p.a Funds under Management
Commission information for ‘Mortgages with Jenna’ can be found at
Providers update commissions and fees from time to time; this document will be updated as required to reflect these changes.
R&P Insurance LTD – Important Information 08/2026
Conflicts of interest or other incentives
We are here for our clients and to advise you as best we can. Your interests are our priorityalthough we do have business relationships with product providers also. From time to time our product providers assist us with funding so we can bring our adviserstogether for conferences and professional development training. We may also receive other types of incentives in the form of event tickets, hampers, mealsand other similar gifts from our product providers.
How we manage any conflicts of interest
To ensure our advisers prioritise our clients’ interests:
We follow an advice process that ensures our recommendations are made appropriately made appropriately,based on clients’ goals and circumstances. All our advisers undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests and the gifts and incentives we receive. These registers are monitored regularly, and additional training is provided as required. We undertake an annual independent Compliance Assurance Review.
Our duties and obligations to you
We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:
• Meet the standards of competence, knowledge and skill set out in the Code of Conduct
• Give priority to the clients’ interest and
• Exercise care, diligence, and skill and
• Meet the standards of ethical behaviour, conduct, and client care set out in the Codeof Conduct.
Our Internal complaints process
If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try fix the problem.
Our internal complaints managers are both Rochelle Carly and Philly McMeekan who can be reached via email at kiaora@randpinsurance.co.nz or phone R: 027 270 8850 or P: 021 828 739, they will respond within 24hrs.
Our internal complaints handling process is available upon request, complaints will be responded to in a timely manner with a goal to find a suitable resolution.
Our external complaints process
If we cannot agree on how to fix the issue, or if you decide not to use the internal Complaints scheme; you can contact our external disputes resolution scheme – Financial Services Complaints Ltd – A Financial Ombudsman Service. This service Will cost you nothing and will help us resolve any complaints.
You can contact Financial Services Complaints Ltd – A Financial Ombudsman Service at: PO Box 5967, Wellington 6140
0800 347 257 complaints@fscl.org.nz
R&P Insurance LTD – Important Information 08/2026
R&P Insurance LTD – Important Information 08/2026