Cranfield Insurance & Investments Limited (FSP80522), trading as Cranfield Group, holds a licence issued by the Financial Markets Authority to provide financial advice.


Cranfield Insurance & Investments Limited (FSP80522), trading as Cranfield Group, is the Financial Advice Provider.

You can contact us at:

Street Address

Level 2, 99 The Terrace, Wellington

Postal Address

PO Box 10-812 The Terrace, Wellington

Telephone Number

04 472 1170

Freephone Number

0508 697 367

Email Address




Cranfield Insurance & Investments Limited (FSP80522), trading as Cranfield Group, advisers provide advice about:

  • Insurance Advice
  • Financial Advice
  • KiwiSaver
  • Investment Planning Services
  • Retirement Planning

We provide advice in relation to the following products:

  • Insurance – Life Insurance, Income Protection, TPD, Trauma & Health Insurance
  • Investments – Managed Funds / KiwiSaver

We provide advice in relation to insurance products provided by the following companies:

Insurance Companies




Asteron Life


Fidelity Life


Partners Life

Southern Cross




We provide advice in relation to investment products provided by the following companies:





Fisher Funds


NZ Funds Management


Partners Life



The nature and total amount of any fees that you will be charged for advice and/or service and when and how they must be paid, will be disclosed to our prospective clients by the relevant Financial Adviser.

Cranfield Insurance & Investments may be remunerated for the implementation and retention of some financial (usually insurance or investment) products by the product provider. This means that in many cases an upfront planning or advice fee is not required. Ongoing adviser fees for investment products and KiwiSaver plans are most often paid via the product provider.



For retail clients generally we do not charge a fee for insurance advice. We will be paid a commission from the insurance provider you take your cover with. For Business Insurance cases we will tend to charge fees for advice, and these will be notified at the time of initial engagement and will done on an hourly rate of the adviser.

Insurance Type

 Typical Range

Upfront Commission (upon implementation)

50 – 230% First Year’s premium

Renewal Commission

4% – 50% Subsequent Year’s premium


Investments and KiwiSaver

We may charge a fee for an investment plan of which we will notify you of costs upfront before you engage our services.

Typically, KiwiSaver providers or Fund Managers pay us a monthly adviser fee or trail commission (all fully disclosed when products are recommended) of between 0.20% p.a. and 1.05% p.a. based on the funds that are invested.



We take any perceived or real conflicts of interest very seriously and have dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our interests are placed first and foremost.

For Life insurance and Health insurance, Cranfield Insurance & Investments Limited (Cranfield Group) and the financial adviser receive commissions from the insurance companies whose policies we can recommend. If you decide to take out insurance that we recommend, the insurer will pay a commission to Cranfield Insurance & Investments Limited (also trading as Cranfield Group). The amount of the commission is based on the amount of premium associated with your cover; specific commissions will be advised to you when advice is provided.

If we assist in selling a Whole of Life or Endowment Policy, Policy Exchange (PE) will pay our firm a flat 2% commission of the unenhanced cash value. This does not diminish the extra cash value that you may receive from PE and is not payable if the sale is not proceeded with.

If we refer and fire and general insurance business to Rothbury Insurance Brokers, they may pay our firm a percentage of any commission they are paid.

To ensure that our financial advisers prioritise the client’s interests above their own and to manage the potential conflicts of interest as disclosed above, all Cranfield Insurance & Investments Limited (Cranfield Group) advisers follow an advice process that ensures personalised recommendations are made on the basis, of the client’s goals and circumstances, as advised by the client.

Cranfield Insurance & Investments Limited (Cranfield Group) adviser’s financial advisers complete regular training, including how to manage conflicts of interest. Each adviser has a regular compliance review of their advice process and our compliance programme is reviewed annually by our external compliance adviser.

From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, discounted conference attendance including airfares or other incentives.



If you are not satisfied with our financial advice service, you can make a complaint by emailing info@cranfieldgroup.co.nz, or by calling: 04 472 1170 or 0508 697 367.

You can also write to us at: PO Box 10-812, The Terrace, Wellington.

When we receive a complaint, we will consider it following our internal complaints’ process.

We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint. We aim to resolve complaints within 20 working days of receiving them. If we cannot, we will contact you within that time to let you know that we need more time to consider your complaint.

We will contact you by phone, email, or post to let you know whether we can resolve your complaint and how we propose to do so. If we cannot resolve your complaint, or you are not satisfied with the way we propose to do so, you can contact our dispute resolution service, Financial Dispute Resolution Service.

Financial Dispute Resolution Service provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction. You can contact Financial Dispute Resolution at the following:

Address: Level4, 142 Lambton Quay, Wellington 6011 or P O Box 2272, Wellington 6140

Telephone number: 0508 337 337

Email address: enquiries@fdr.org.nz



Cranfield Insurance & Investments Limited (FSP80522), trading as Cranfield Group, and anyone who gives financial advice on our behalf, has duties under the Financial Markets Conduct Act 2013 relating to the way that we 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 (431K)
  • exercise care, diligence, and skill in providing you with advice (431L)
  • 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) (431I)
  • 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 https://www.fma.govt.nz.