Disclosure

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:

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.