Disclosure

ADSR Limited (FSP1009779), trading as Care4U, holds a full Class 2 licence issued by the Financial Markets Authority to provide financial advice. Our financial advisers are authorised under that licence to provide financial advice.

Advisers under the ADSR Limited licence provide advice to our clients about their personal risk insurance. Our Financial Advisers provide financial advice in relation to these financial advice products.

• For life and/or disability insurance, we work with Fidelity Life and AIA
• For health insurance, we work with NIB and AIA

In providing you with financial advice, our Financial Advisers will only consider existing personal term life, trauma and income protection. We will not provide advice on existing whole of life or endowment products. We are unable to take into consideration or provide advice on financial products issued outside of New Zealand.

Care4U does not charge a separate fee for initial advice when cover remains in force for at least two years. If a policy is cancelled within two years of inception, a fee may apply. Any fee and how it is charged will be explained before you proceed.

When you take out insurance, insurers pay commission to ADSR Limited and to the adviser. Commission is based on the premium and product type. Our advice process is designed to prioritise your interests. We compare multiple insurers and explain how we are remunerated before you commit.

There have been no professional indemnity claims, disputes resolution actions, or disciplinary actions brought against ADSR Limited trading as Care4U that are required to be disclosed.