Pinnacle Life is a Financial Advice Provider (FAP) licensed by the Financial Markets Authority. The website and Pinnacle Life’s Nominated Representatives rely on the information given by you in order to make a recommendation relating to your insurance needs. In making these recommendations Pinnacle Life uses a digital advice platform and as such any recommendations given are based on these results.

Financial Advice Provider (FAP)

Disclosure Statement
Prepared on 15 March 2021

Our contact details

Full Name: Pinnacle Life Limited
Trading Name: Pinnacle Life
Post: PO Box 1471, Auckland 1140
Principal Place of Business: Level 2, Gillies Avenue Office Park, 27 Gillies Avenue,
Newmarket, Auckland 1023

Phone: 0800 22 22 23

Fax: 09 522 5518


It’s important that you read this information– it provides important information about Pinnacle Life’s financial advisers and should help you decide which financial adviser to choose.

What sort of adviser are we?

Pinnacle Life (NZBN 9429030397248) is a Financial Advice provider (FAP) for the purposes of The Financial Markets Conduct Act 2013 and is registered on the Financial Services Register (FSPR) FSP 273205. It is licensed and regulated by the Financial Markets Authority (FMA) for its financial adviser and Digital Advice services. Pinnacle Life also holds a licence to conduct insurance business granted by the Reserve Bank of New Zealand. Employees of Pinnacle Life (our Nominated Representatives) may provide you with financial adviser services relating to our products and services.

As a FAP, Pinnacle Life takes responsibility for the financial adviser services you get from our Digital Advice platform and our Nominated Representatives (our employees). We exercise care, diligence, and skill in providing financial adviser services to you.

What products and services can we provide for you?

Pinnacle Life provides financial adviser services for our insurance products through our Nominated Representatives. These services relate to the following insurance product classes:

  • Life Insurance
  • Critical Illness (Trauma) Insurance
  • Income Protection Insurance
  • Total & Permanent Disability Insurance

Limitations on the nature and scope of our financial advice

Our staff can provide financial advice only on whether the insurance products we offer may be suitable for you.

Our staff cannot provide you with financial advice about financial products and services offered by other providers.

Our staff will not compare the insurance products we offer with any other insurance products or services in the market.

Any financial advice provided by our staff will take account only of the information that you provide.

Fees or expenses

We do not charge a fee or other amounts for any financial advice provided to you.

Our staff will inform you of the amount of the premiums if you decide to purchase one of our insurance products.

Conflicts of interest, commissions, and incentive payments

Our staff receive their remuneration directly from us. No other commissions or incentive payments relating to sales performance are payable.

What should you do if something goes wrong?

Our goal is to provide our customers with the highest level of service we can, but there may be a time when you might encounter a problem or have a concern. If this happens, please let us know immediately. You can contact us either by calling one of our Customer Service Representatives on 0800 22 22 23, or emailing us on

In many cases, your issue can be resolved straight away by our customer service team. However, if they cannot resolve the issue, our Customer Sales & Service Team Leader will personally take on your case.

Alternatively, you are welcome to put your concern in writing. We will undertake a thorough investigation of your concern and work with you to try and resolve the issue. If we cannot find a way to resolve your concerns, you can also contact the Insurance and Financial Services Ombudsman (IFSO), who may be able to help.

The IFSO is a free, independent service for resolving insurance and financial disputes. Pinnacle Life is a member of the IFSO. Helpful information concerning the IFSO and their role in complaint resolution can be found on their website

IFSO contact details
Post: P O Box 10 845, Wellington 6143
Physical Address: Level 2, Solnet House, 70 The Terrace Wellington 6143

Phone: 0800 888 202

You can also obtain information about financial advisers from the FMA and report information about Pinnacle Life to the FMA if you have concerns.

FMA contact details

Post: PO Box 1179, Wellington 6140
Phone: 0800 434 566

Pinnacle Life is registered on the Financial Service Providers Register. If you’re interested, you can check our status on the register at

Pinnacle Life FAP Disclosure

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