NZ life insurance — regulatory guides
Reference material on how NZ life insurance is regulated. Sourced directly from FMA, RBNZ, IFSO, FSCL, DIA. Editorial commentary, not personalised financial advice.
FMA Conduct of Financial Institutions (CoFI)
How the FMA conduct regime affects NZ life insurers and how cover is sold.
RBNZ solvency standard for life insurers
How the Reserve Bank supervises NZ-licensed life insurers and how to read each insurer's published financial-strength rating.
How to complain about a NZ life insurance claim
The IFSO + FSCL pathway, what each agency does, and how to escalate when an insurer does not resolve a complaint.
AML/CFT obligations for NZ life insurers
Why the insurer asks for ID and source-of-funds, and what the AML/CFT regime actually requires.
Not personalised financial advice. Editorial summaries of publicly published regulator material. Always confirm specific requirements with the relevant agency directly.