Thin Ice Risk Management Ltd (FSP69451) trading as Rainbow Life provides advice to our clients about their life insurance and health insurance. Our financial advisers provide financial advice in relation to these financial advice products. We only provide financial advice about products from certain providers:
In providing you with financial advice, we will only consider existing term life, trauma, income protection, health insurance policies and whole of life and endowment products (if any).
In making this application for Insurance:
Rainbow Life does not change fees, expenses or any other amount for the financial advice provided to its clients
I receive commissions from the relevant insurance company if you take out insurance following my advice. The commissions are between 180% and 200% of the first year’s premiums of your policy — the amount depends on which insurance company and which insurance policy you choose. I also receive a commission of between 5% and 25% of the premium for each year the policy remains in force. In addition, Thin Ice Risk Management receives commission of between 15% and 30% of the first year’s premiums of your policy, depending upon which insurance company and which policy you choose.
To ensure that I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made based on your individual goals and circumstances. I complete annual training about how to manage conflicts
of interest. I complete registers of conflicts of interests, and the gifts and incentives I receive. Thin Ice Risk Management monitors these registers and provides additional training where necessary. Thin Ice Risk Management performs an annual review of our compliance programme.
If you are not satisfied with our financial advice service you can make a complaint by emailing [email protected], or by calling: 0800-961-377. You can also write to us at: 213 Lichfield Street, Christchurch 8011.
When we receive a complaint, we will consider it following our internal complaints process:
You can contact Financial Services Complaints Ltd Address: 13th Floor, 45 Johnston Street, Wellington / PO Box 5967, Lambton Key, Wellington 6145, Telephone number: 0800-347-257 Email address: [email protected]
Thin Ice Risk Management Ltd (FSP69451) trading as Rainbow Life, 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:
Thin Ice Risk Management Ltd (FSP69451) trading as
Rainbow Life is the Financial Advice Provider.
You can contact us at:
Phone 0800-961-377 0r 0274-775-667
Email: [email protected]
Address: 213 Lichfield Street, Christchurch 8011