Disclosure & Complaints process

Licensing Information:

Assured Fincorp Limited (FSP1001062), trading as Assured Fincorp Limited (AFL Partners Partners) (AFL Partners, we, our, us) is a Financial Advice Provider (FAP) and is named as an Authorised Body to provide a financial advice service under the FAP Licence held by PSC Connect Life NZ Ltd.

PSC Connect Life NZ Ltd (PSCCLNZ) (FSP678631) is the Full license holder, as approved by the Financial Markets Authority (FMA).

There are no special license conditions imposed.

Licensing Information

Nature and Scope of the Advice

Advice to Clients

AFL Partners provides advice to clients about Life & Health Insurance, and our Financial Advisers provide financial advice in relation to these financial advice products.

We will not offer advice on General Insurance, Investments, KiwiSaver, or Mortgages, so you must consult a specialist if you would like advice on those products.

We can refer a specialist to contact you if you require it.

Financial Advice

AFL Partners can provide financial advice on a variety of products from a wide range of New Zealand-based and overseas providers and includes but is not limited to:

Financial Advice Products






Trauma Cover


TPD Cover

Asteron Life

Income protection

Fidelity Life

Mortgage protection

Partners Life

Redundancy Cover


Waiver of premium

Southern Cross

We are unaware of any material limitations or restrictions on the scope of the financial advice service we provide. If these are identified, we will disclose them to you.

How We Get Paid

We earn our income from either a fee, commissions from providers, or a combination.

Conflicts of Interest and Incentives

When we arrange insurance for you, the provider(s) ­may pay us a commission. The amount of the commission varies between providers and products and is based on a percentage of the premium.

If we arrange insurance for you and you cancel it part way through the insurance period, we may keep some or all of the commission from any refund due to you by the provider.

PSCCLNZ retain a percentage of this commission for their professional services to AFL Partners.

If a person or entity has referred you to us, we may pay them a percentage of the commission and/or fees we receive for their referral.

A Financial Adviser may have a conflict of interest when financial advice has been provided to two clients who later have a dispute. If this occurs, the financial adviser will disclose the conflict of interest to you and refer one client to another financial adviser for advice and assistance.

To ensure that our Financial Advisers prioritise your interests above their own, we follow an advice process that ensures our recommendations are based on the information you have provided and your unique circumstances.

Think Ahead

We maintain a register of conflicts of interest, gifts, and any other incentives we may receive.

If we believe there is a conflict of interest – real or perceived – we will discuss this with you.

PSCCLNZ and AFL Partners also undertake annual internal reviews to ensure compliance with these statements.

Please refer to our Internal Complaints Process, which can be found here

AFL Partners, PSCCLNZ, and anyone who gives financial advice on their behalf have duties under the Financial Markets Conduct Act 2013 relating to how we offer advice.

We are required to:

Identifying Information

Assured Fincorp Limited (FSP1001062), trading as Assured Fincorp Limited is a Financial Advice Provider (FAP).

Phone: 021 293 5396
Email: admin@aflpartners.co.nz
Address: 69B Astley Avenue, New Lynn, Auckland

Niraj Boricha (FSP597870) is a Financial Adviser of AFL Partners, and his contact details are:
Phone: 021 2935396
Email: admin@aflpartners.co.nz


Authorised Bodyis an entity named on a financial advice provider’s licence that can provide the licensed service without needing its own licence. Authorised Bodies must register on the Financial Service Providers Register as a financial advice provider.
Financial Advicea recommendation or an opinion about buying or selling financial advice products
Financial Advice Providera business or individual who provides a financial advice service.
Financial Advice Serviceengages one or more individuals to give financial advice on their behalf or provides financial advice on their own account.
Financial Adviseris an individual registered on the Financial Service Providers Register to provide a financial advice service, who is not a financial advice provider.
Financial Markets Authority (FMA)is the New Zealand government agency responsible for enforcing securities, financial reporting and company law as they apply to financial services and securities markets.
Financial Service ProviderFSP refers to Financial Service Provider a person who provides or offers to provide a financial service (as per the FSP Act)
Financial Service Providers Register (FSPR)a searchable register of people, businesses and organisations that provide financial services in New Zealand. The register contains key information about FSPs including the financial services they provide, any relevant licences they hold and the dispute resolution scheme they belong to.
Full Licenceheld by Financial Advice Provider PSC Connect Life NZ Ltd and approved by the FMA on the 3rd February 2022