I am a financial adviser (FSP707551) and I am giving advice on behalf of The Better Collective Limited (FSP703111) trading as Better Life. 

My details are as below: 

Name: Carley Marie Ellis (previously Champion)

Phone: 021 333 042

Email: carley@mybetterlife.co.nz

Address: 6A Quest Terrace, Mount Roskill, Auckland

Nature and Scope of our Advice

I will provide you with financial advice in relation to your personal insurances (life and health).  I only provide financial advice about life insurances from three providers - AIA, Cigna and Fidelity Life.  For health insurance I only provide financial advice from two providers - AIA and Accuro. 

I will not provide advice on existing whole of life or endowment products, so you will need to consult a specialist if you would like advice on those products.


Reliability History

Neither Better Life nor I have been subject to a reliability event.  A reliability event is something that may materially influence you in deciding whether to seek advice from my recommendations. As an example, it would include legal proceedings against me, or if I had been declared bankrupt. 


Fees and Expenses

We do not charge a fee for insurance advice or recommendations provided to you. 

We may charge a fee for ACC Restructuring, set at $250 + GST per client, payable 20th of the following month.  If a fee is to be charged, I will clearly advice of the amount in my statement of advice. 

We may charge a fee for general consulting services (such as business growth/strategy consulting) of $150 + GST per hour, payable 20th of the month after the invoice is issued.  If a fee is to be charged, I will clearly advise the amount in writing for your approval, before any work is commenced.


Conflicts of Interest and Incentives

I receive commissions from the relevant insurance company if you take out insurance following my advice.  The commissions are between 30% and 200% of the first year's premiums of your policy.  The amount depends on which insurance company and which insurance policy you choose. 

I also receive commission of between 5% and 20% of the premium for each year the policy remains in force. 

To ensure I prioritise your interests above my own, I follow an advice process that ensures my recommendations are made on the basis of your individual goals and circumstances.  I complete annual training about how to manage conflicts of interest.  We undertake a compliance audit, and a review of our compliance programme is undertaken annually by the Compliance Refinery, a reputable compliance adviser. 


Auckland, New Zealand

©2018 by The Better Collective. Proudly created with Wix.com