Important Information


Licensing information

Henderson Insurance & Investments Limited (FSP1002802) hold a license issued by the Financial Markets Authority to provide financial advice.

Neil Henderson (FSP28925) is a Financial Adviser for Henderson Insurance & Investments Limited.

Nature and scope of the advice

We provide advice to our clients about their investments, mortgages, life insurance, health insurance and fire & general insurance.

We provide financial advice in relation to KiwiSaver, managed Funds, master trusts, investment and superannuation plans, mortgages, life insurance, health insurance and fire & general insurance.

We only provide financial advice about products from certain providers:

  • For mortgages, we work with the following banks and lenders​

    • Avanti, General Finance, Liberty, NZCU Baywide, Pepper, Prospa, Resimac, Southern Cross Financial and Sovereign

  • ANZ, ASB, BNZ, Co-op, Heartland and Westpac

  • For life insurance, we work with six companies

    • AIA, AMP, Asteron, Cigna, Fidelity Life and Partners Life

  • For health insurance, we work with four providers

    • Accuro, AIA, nib and Partners Life

  • For fire & general insurance, we work with six companies

    • AMP, Aon, Blanket, Rothbury, Tower and Vero.

  • For KiwiSaver and investment products, we work with the following providers

    • AMP (Assure), ANZ/OneAnswer, Booster, Fisher Funds, Generate, Milford Asset Management, NZ Funds and Select Wealth Management

Fees or expenses

We do not charge fees, expenses or any other amount for any financial advice provided to my clients.

Conflicts of interest and incentives

We receive commissions from the providers on whose products we give financial advice (insurers, banks, lenders, investment managers and KiwiSaver providers). If you decide to take out insurance or a mortgage, or to take our investment or KiwiSaver advice, the provider will pay a commission to me.

The amount of commission is based on the amount of the premium or mortgage, or the investment or KiwiSaver balance.

From time to time, product providers may also reward me for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives. To ensure that we prioritise my clients’ interests above our own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. We undergo annual training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives we receive. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser or company.

Complaints handling and dispute resolution​

Our internal complaints process

If you have a problem, concern or complaint about any part of our advice or service, please tell us so that we can try to fix the problem. We can be reached via email at or by calling: 027 222 6838. You can also write to us at: 4 Mervyn Brown Place, Masterton 5810.

The internal complaints process is:

  • We will review the complaint and discuss with you how we will resolve this and obtain any additional information if required.

  • We aim to resolve any complaints in a timely manner and will indicate to you the time this complaint will take to resolve.

  • We will communicate with you in the method you prefer – phone, email or written.

If we cannot resolve your complaint in a manner which is acceptable then you can contact our free independent dispute resolution service.

Our external complaints process

If we cannot agree on how to fix the issue or if you decide not to use the internal complaints scheme, you can contact my external disputes resolution scheme – Insurance & Financial Services Ombudsman Scheme. This service will cost you nothing and will help us resolve any disagreements.​

You can contact the Insurance & Financial Services Ombudsman Scheme by emailing  or by calling: 0800 888 202. You can also write to them at: PO Box 10-845, Wellington 6143.​

Duties information

Henderson Insurance & Investments Limited and anyone who gives financial advice on their behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that they give advice.

We are required to:

  •  give priority to your interests by taking all reasonable steps to make sure our advice is not

  • materially influenced by our own interests

  • exercise care, diligence, and skill in providing you with advice

  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)

  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at


Contact details

Henderson Insurance & Investments Limited (FSP1002802) is a Financial Advice Provider.

You can contact us at:

Phone: 06 370 1904 or 04 499 8828

Mobile: 027 222 6838


Address:                                  Level 1, Public Trust Building, 20 Perry Street, Masterton 5810

Mailing address:                     4 Mervyn Brown Place, Masterton 5810