Insure Me Limited (Insure Me) is a registered Financial Service Provider under registration number FSP691891. Insure Me is an Authorised Body under the Financial Advice Provider licence held by Staircase Financial Management Limited (Staircase) that is issued by the Financial Markets Authority.  

Ray Storey (a registered Financial Services Provider under number FSP25901) is a Financial Adviser under the Financial Advice Provider licence held by Staircase Financial Management Limited.


Ray Storey, on behalf of Insure Me, provides advice to our clients about life, disability, trauma, and health insurance. We only provide financial advice about products from certain providers:

• For life insurance, we work with five companies: AIA, CIGNA, Partners Life, Asteron, and Fidelity Life.

• For health insurance, we work with five providers: AIA, Southern Cross, Partners Life, Accuro, and nib.


Insure Me do not typically charge our clients any fees, expenses or other amounts for the financial advice. Instead, our services are paid for through the commissions we receive from the insurers whose policies we help you take out.

The following circumstances are the main exceptions to our no fees policy:  

  • You cancel a personal risk insurance policy within two years of cover commencing.
  • An indication of such a cancellation fee amount will be advised at the time our advice is provided to you


Insure Me receives commissions from the insurance providers on whose products we give financial advice. If you decide to take out insurance, in lieu of you paying us a fee for our advice service, the relevant provider will pay a commission to Insure Me and/or Staircase. This commission is only paid to us in the event you proceed with having a policy issued and made active. The amount of commission is based on the amount of the premium.  More specific detail is provided at the time our advice is given.  From time to time, product providers may also reward us for the overall business we provide to them.  They may give us tickets to sports events, hampers, or other incentives.  

To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances.  All our financial advisers undergo annual training about how to manage conflicts of interest.  We maintain registers of conflicts of interests, and a record of the gifts and incentives we receive. Insure Me monitors these registers and provides additional training where necessary.  Insure Me performs an annual review of our compliance programme.


We’re committed to making sure our products and services meet your expectations.

We understand that things don’t always go to plan and there may be times when you feel we’ve let you down. If this happens, we want you to tell us. We’ll do our best to put things right as soon as possible or explain something we could have made clearer.

What you can expect to happen

Step 1: Let us know what your concerns are.

Contact us on 09 966 5560, email complaints@insureme.co.nz ,  or write to us (address to: Complaints Manager – Insure Me, PO Box 1790, Shortland Street, Auckland 1140). We will acknowledge your complaint within five business days of receiving it.

Step 2: If we are unable to come to a resolution together, you will be referred to our Complaints Manager. Our aim is to investigate and resolve your complaint within two weeks. If this is not possible, we will advise you of progress within 10 business days.

Step 3: If after working with the Complaints Manager, we have not been able to make it right, we will advise you in writing.  If you are not happy with the outcome of your complaint, you can choose to refer the matter to our external disputes resolution scheme, the Financial Dispute Resolution Service (FDRS).

FDRS helps resolve complaints between consumers and their financial service providers. It is a free, independent dispute resolution service that will carry out an impartial investigation.  Find out more about the FDRS and how to make a complaint by visiting https://fdrs.org.nz/complaints/ or by emailing enquiries@fdrs.org.nz.


Insure Me, and anyone who gives financial advice on its behalf, has 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 isn’t 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); and

• meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services.

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.