Nature and Scope of the Advice

Zero Risk Limited provides advice to our clients about their, Life Assurance, Trauma, Disability and Health Insurance. 

The providers available to Zero Risk for each of these benefit categories include:

  • Life, Disability and Trauma Insurance

    • American International Assurance NZ, Asteron, Chubb Life, Fidelity Life and Partners Life.

  • Health Insurance

    • American International Assurance NZ, NIB, Partners Life, Southern Cross and Uni-Med.

In providing you with financial advice, we will only consider Term Life, Trauma, Total Permanent Disability, Income Protection, Mortgage Repayment, business specific Life and Disability and Health Insurance Policies (if any). These benefits could form a personal or business portfolio.

We will not provide advice on existing Whole of Life, Endowment, Investment, or Investment Linked products or any Fire and General Insurance Contracts.  We recommend you consult a specialist if you would like advice on these products.