Working Together
This is The Insurance Guy's public disclosure and privacy statement. It explains who provides the advice, what the service covers, how the business is paid, how to complain, and how personal information is handled.
Public disclosure
The Insurance Guy Ltd (FSP 729371) is the financial advice provider. It holds a full Class 1 Financial Advice Provider licence, number NTF220938256. Marcus Longone (FSP 106925) is the financial adviser engaged by The Insurance Guy Ltd.
Advice is limited to life, health, trauma, income protection, total and permanent disablement (TPD), business and group insurance. The service does not provide advice on house, contents, car, travel, pet or commercial property insurance, investments, legal matters, estate planning or tax.
Advice is limited to products available from the selected providers below. The panel is not the whole New Zealand market and not every provider offers every type of cover.
The Insurance Guy does not charge a direct adviser fee or expense for this advice, so clients are not invoiced for it. If cover is placed, the insurer pays commission. The commission can range from approximately 6% to 230% of the first-year premium. A portion may be reversed if cover is cancelled within the first two years.
The actual commission and any relevant conflict are disclosed before you act on a recommendation.
Commission creates a potential conflict. Recommendations must be based on the client's needs, priorities and circumstances. The Insurance Guy maintains conflict and gift registers, undertakes training, and reviews advice and compliance controls. Material conflicts or incentives relevant to a recommendation are disclosed in writing.
When giving regulated financial advice, The Insurance Guy and Marcus must:
More information about financial advice is available from the Financial Markets Authority.
Advice process
The labels describe the work. They are not a promise of approval, terms or claim outcome.
Complaints
Complaints are handled fairly, transparently and as promptly as practicable. Please explain what happened and the outcome you are seeking.
You can complain by phone, email or post; no special form is needed. We will acknowledge and record your complaint, review the relevant information, keep you informed of progress, and give you an outcome and reasons. We will tell you if we need more time. Our internal complaints process is free.
The Insurance Guy LtdThe Insurance Guy Ltd belongs to the Insurance & Financial Services Ombudsman Scheme (IFSO), membership 5005710. If the complaint is not resolved, or you are not satisfied with the response, you can ask IFSO to review it free of charge.
ifso.nz/make-a-complaintPrivacy statement
The Insurance Guy Ltd is the agency collecting and holding information for this advice service. This statement applies to website enquiries, advice work, applications, servicing, reviews, claims support and complaints.
Contact and identity details; family, employment, income, debt and ownership information; objectives and preferences; existing and proposed insurance; health, medical and lifestyle information; correspondence, meeting notes and recordings; application, underwriting, policy, claim and complaint records; and system audit information needed to protect the advice record.
Information is normally collected directly from you. With authority, or where the law otherwise permits, it may also come from a joint applicant, insurer, reinsurer, health provider, existing adviser, authorised representative, public register or another person involved in the advice, application or claim.
Information is used to verify identity; understand needs; research and recommend insurance; prepare and manage applications; support underwriting, policy service, reviews and claims; communicate with you; meet legal, licensing and record-keeping duties; handle complaints; maintain security; and improve service quality using de-identified information where practical.
Information may be shared, only as necessary, with insurers and reinsurers; medical providers where separately authorised; authorised support people and professional advisers; technology, document, communications and secure-storage providers; regulators, auditors and dispute-resolution bodies; and another party where you authorise it or the law permits or requires it.
Personal information is handled only in systems and services approved for the current advice process. Meetings are recorded or transcribed only after notice and consent. Any material change to client-management, automation, recording or AI-assisted processing must complete privacy, security and compliance review before use, and this statement must be updated to match the approved production behaviour.
Providing information is generally voluntary. If necessary information is not provided, The Insurance Guy or an insurer may be unable to assess needs, give advice, progress an application, review existing cover or support a claim. An insurer may require information under its own application terms.
When we collect personal information about you from someone else, we take reasonable steps to notify you as soon as reasonably practicable after collection, unless you have already been made aware or an exception under IPP 3A of the Privacy Act applies. The notice explains that information has been collected, why, the intended recipients, the name and address of the agencies collecting and holding it, any law authorising or requiring collection, and your access and correction rights.
Reasonable technical and organisational safeguards are used to protect information. Access is limited to authorised people and services. If an approved provider processes information outside New Zealand, The Insurance Guy must assess that handling and apply the safeguards required by the Privacy Act before the arrangement is used.
Financial advice service records are kept for at least seven years from the latest of when the record is made, the related advice is given, a later record refers to or relies on it, or the related financial product ends. A complaint, claim or legal hold may require longer retention. Other personal information is kept only as long as there is a lawful need for it, then securely deleted or de-identified.
You may ask for access to your personal information or request correction. Identity may need to be verified. If a privacy breach causes or is likely to cause serious harm, The Insurance Guy will notify the Office of the Privacy Commissioner and affected people as soon as practicable, subject to the Privacy Act.
This website does not currently use an enquiry form or non-essential analytics cookies. It stores your motion preference in your browser so that your choice is remembered. Vercel hosts the website. Hosting and security services may process technical information, such as your IP address and browser details, to deliver and protect it. Processing may take place outside New Zealand, including in the United States. See Vercel’s privacy information.
Booking opens Microsoft Bookings. The contact and appointment details you provide there are used to arrange and manage your conversation with us. This privacy statement applies to our handling of those details; Microsoft and other external services also have their own privacy and cookie practices. See Microsoft’s privacy statement. You can contact us by phone or email instead. Please avoid including medical details in an initial booking or enquiry; we can arrange how to collect any sensitive information needed for advice.
You may also contact the Office of the Privacy Commissioner.