Working together
This page brings the practical relationship, disclosure, privacy, complaints, and remuneration information into one readable place.
Disclosure
I am Marcus Longone (FSP 106925), director and adviser at The Insurance Guy Ltd (FSP 729371). I provide New Zealand risk-insurance advice for life, health, trauma, income protection, TPD, business and group insurance.
I do not provide advice on house, contents, car, travel, pet, commercial property, investment, legal, estate planning, or tax matters.
Advice process
Discovery and recommendations sit in two separate meetings so the evidence stays visible.
On the homepage this appears as three simpler moves — meet, make sense, evolve. This six-step process is what sits behind them.
How I am paid
You don't pay me a direct adviser fee, and you will not be invoiced for the advice. I am paid commission by the insurer when cover is placed. Commission can range from approximately 6% to 230% of the first-year premium, and a portion may be reversed if cover is cancelled within the first two years. My obligation is still to put your interests first under the Code of Professional Conduct for Financial Advice Services.
Duties
Under the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services, I must give priority to your interests, exercise care, diligence, and skill, meet competence standards, and uphold ethical behaviour and client care. More information is available from the Financial Markets Authority at fma.govt.nz.
Conflicts of interest
I work across selected insurance partners and keep conflicts, gifts, ownership, and placement constraints visible. Any material conflict or incentive that could affect the advice is disclosed and managed in writing before recommendations.
Insurance partners
Selected NZ insurance partners I have access to, with the cover lines each supports and what differentiates them. This is market-access proof, not cover shopping. Placement always follows the discovery and design steps above.
AIA 
Asteron Life 
Chubb Life NZ 
Fidelity Life 
nib 
Partners Life 
Southern Cross Register posture
The Insurance Guy Ltd is registered as FSP 729371 and holds a Financial Advice Provider full Class 1 licence, number NTF220938256. Marcus Longone is linked as financial adviser FSP 106925. If a reliability event becomes relevant, it will be disclosed at the required disclosure stage.
Claims support
When you claim, I help gather documentation, present it clearly to the insurer, and check decisions against the policy wording where appropriate. If the issue is not resolved through the insurer process, I can help you understand the free IFSO escalation path.
Vulnerable client commitment
If you are unwell, grieving, under financial stress, or find this stuff hard to read, tell me. The pace slows down, language is simplified, a support person is welcome, and pressure-selling is not how this works.
Complaints
Contact me first so I can understand and respond to the concern. Complaints are acknowledged and investigated as soon as possible, typically aiming for resolution within five working days. The Insurance Guy Ltd is registered with Insurance & Financial Services Ombudsman Limited (IFSO), membership 5005710, for free independent dispute resolution.
Privacy Policy
This Privacy Policy explains how The Insurance Guy Ltd collects, uses, shares, stores, and protects personal information for regulated risk-insurance advice under the New Zealand Privacy Act 2020.
I collect only what is necessary to provide risk-insurance advice, review existing cover, support applications, and help with claims. Direct collection from you is preferred. Health information is treated as especially sensitive, and consent is specific rather than blanket.
Providing information is voluntary. If you choose not to provide what an insurer or I need, an application may not progress, an existing policy may not be reviewed for replacement, or a claim may not be supported. Insurers may also require identity, financial, and health information under their own application terms.
Advice records may be stored and processed in secure CRM, document automation, transcription, and AI-assisted tools used to support advice quality, compliance, and administration. Meetings may be recorded or transcribed only with consent. Cookies may be used to support site experience, usage measurement, and secure sessions; browser settings can limit them.
IPP3A applies to personal information collected indirectly from 1 May 2026. In insurance advice this can include existing-cover and underwriting information from insurers, medical reports requested with consent, and information from family members named on a policy.
Unless a Privacy Act exception applies, you should be told what was collected, why it was collected, who may receive it, how to access or correct it, and the name and contact details of the agency collecting and holding it. For this advice service, that agency is The Insurance Guy Ltd, 30 Fairwater Road, Warkworth, Auckland 0910, support@theinsuranceguy.nz. If collection is authorised or required by law, the notice should name that law.
Advice, client, and complaint records are generally kept for at least seven years to meet financial-advice record-keeping requirements and FMA inspection obligations. Personal information is otherwise kept no longer than necessary. If information is held outside New Zealand, IPP12 cross-border safeguards apply.
If a privacy breach causes, or is likely to cause, serious harm, you and the Office of the Privacy Commissioner will be notified as soon as practicable. You can request access to your information, request correction, or raise a privacy complaint with Marcus or the Office of the Privacy Commissioner. Access requests are generally responded to within 20 working days under IPP6.
Documents
The HTML information above is the readable version. PDF copies remain available below if you need the document format.