Disclosure.
Important information about Smart Life Financial Services Limited (FSP725151).
Our License
Smart Life Financial Services Limited (FSP725151, trading as Smart Life Insurance) holds a full Financial Advice Provider licence issued by the Financial Markets Authority.
What we advise on
We provide advice on life and health insurance for individuals and businesses. We work with AIA, Asteron Life, Partners Life, Fidelity Life, Chubb and nib.
We do not provide advice on KiwiSaver, investments, or investment-linked insurance products.
How we get paid
Our advice is free to you. We receive a commission from the insurer when you take out a policy — you don’t pay more for going through us.
Our duties
We are required under the Financial Markets Conduct Act 2013 to prioritise your interests, act with care and skill, and meet the standards set by the Code of Professional Conduct for Financial Advice Services. More at fma.govt.nz
Complaints
If you have a concern, contact us first:
📞 021 666 275
✉️ pankaj@smartlife.co.nz
📍1 Waikai Close, Ruakura, Hamilton 3214
We’ll acknowledge your complaint and aim to resolve it within 10 working days.
Let’s Chat
pankaj@smartlife.co.nz
021 666 275
1 Waikai Close, Ruakura, Hamilton 3214
Smart Life Insurance
FSP725151 · Full FAP Licence
FMA Licensed · FDRS Member
©2026 Smart Life Financial Services Ltd