For Life Investments Limited (FSP715432 trading as Phil Robinson Insurance) holds a licence issued by the Financial Markets Authority to provide financial advice.

About Us/ What We Do

Phil Robinson Insurance specialises in Personal Insurance and provides cover for individuals, families, and business owners. Personal Insurance is about providing cover for you.  We can also help connect you with the best option for all General insurance enquires. General Insurance provides cover for all material things you own.

Phil Robinson Insurance provides financial advice to our clients about their Life Insurance, Health Insurance, General Insurance and ACC Cover Plus Extra.

We only provide financial advice about products from the following providers:

  • Fidelity Life
  • Partners Life
  • Asteron Life
  • AIA
  • Chubb Life
  • NIB
  • Southern Cross
  • Accuro
  • ACC (Accident Compensation Corporation)





Fees & Expenses

Any remuneration received by For Life Investments Ltd is used to pay the costs incurred in providing advice, e.g., office, staff, research, and marketing costs, along with personal remuneration for your adviser.

We are remunerated through the following ways:

The initial meetings you have with us are FREE.

The insurance companies pay our professional fees on completion of the underwriting process when a policy is issued by way of commissions. These commissions can be clawed back by the insurance company if the policy is cancelled in the first two years.

For Life Investments Ltd may charge you a service fee of $150 per hour + GST based on a reasonable amount of hours required to complete the advice provided. This will apply, should you complete an insurance application and cancel during the application process or within 2 years of the policy issue date due to any reason that is no fault of For Life Investments Ltd or the relevant insurance company.

For some situations we can create significant savings on ACC levies to help fund a comprehensive Income Protection policy.  Should we complete an application with ACC on your behalf, we will require a one-off administration fee of $250.00 + GST.

Conflicts of Interest and Incentives

For Life, Health and General Insurance, For Life Investments Limited and our financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to For Life Investments Limited and our financial adviser. The amount of the commission is based on a percentage of the premium.

To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made based on each client’s goals and circumstances. Our financial adviser undergoes annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.

Referral Partners

We also refer to specialist representatives for General Insurance, Mortgage, KiwiSaver and Legal Advice should the circumstance arise.

Depending on your needs we can connect you with our trusted referral partners to ensure you have specialist advice for all your financial requirements. 

We may receive a referral commission depending on which products you take through our various referral partners. 

Duties Information

For Life Investments 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.

We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests
  • exercise care, diligence, and skill in providing you with advice
  • 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)
  • 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). 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.