Welcome to futureLIFE4U, protecting you, your family and your business

Phone: 022 136 4931

FAP Disclosure

Important Disclosure Information

Financial advice disclosure

It is important that you understand how we operate within the financial services industry and how we offer financial advice.

We have a legal obligation to publicly disclose certain elements of how we operate. This Financial Advice Disclosure is the beginning of a process to help you understand more about the way we work.

Nature and Scope of Advice

Colin Bogue & Associates Limited (FSP738711) trading as Futurelife4u holds a licence issued by the Financial Markets Authority to provide financial advice.

Futurelife4u, its financial advisers and/or nominated representatives, provides advice on life and health-related and general insurance and Kiwisaver class advice. Where applicable we may refer clients to a network of professionals in other specialist fields such as mortgages, managed funds and investments.

As an independent insurance brokerage we have agency agreements with the following insurance providers:

  • AIA/Sovereign
  • Asteron Life
  • Fidelity Life
  • NIB
  • Partners Life
  • Aon/Stylecover


Futurelife4u receives revenue from the insurance provider on whose policies we give advice. If you decide to take out insurance, the insurer will pay Futurelife4u for professional services rendered. The exact amount depends on the type of product/benefit issued, the remuneration structure decided on, and the premium spend.

Conflicts of Interest

Our advisers follow an advice process that ensures our recommendations are made on the basis of each client’s goals and personal and unique circumstances.

Our financial advisers undergo annual training about how to manage any conflicts of interest to ensure the client’s interests come first.

We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser.

Fees and Expenses

Futurelife4u generates revenue from the successful implementation of a new policy or the addition of insurance products to an existing policy. The insurance provider of which your policy is placed remunerates Futurelife4u for professional services rendered.

This revenue, which can also be referred to as commission, generally covers our time associated with our advice, medical and financial underwriting and administration. However, in the rare instance that it does not cover our expenses then Futurelife4u reserves the right to charge $140 + GST per hour for work undertaken until your policy is completed.

Should additional charges be required then they will be expressed well in advance.

Cancellation Policy 

Our clients rarely pay for our services directly due to the insurance providers remunerating us for our professional services. However, this remuneration is subject to a two year period in which Futurelife4u must repay up to 100% of the remuneration received if the client cancels or reduces their policy during the first two years since inception.

Futurelife4u reserves the right to charge a fee for services rendered to a client should they cancel or reduce an insurance policy without due reason within the first two years following the policy’s inception.

Whether a fee will be charged and the manner in which it will be charged is at Futurelife4u’s sole discretion and will be advised when advice is provided to the client.

Complaints Handling and Dispute Resolution

If you are not satisfied with our financial advice or service you can make a complaint by emailing colin@futurelife4u.co.nz, or by calling 022 1364931.

When we receive a complaint we follow 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 will aim to resolve your complaint within 10 working days of the complaint being laid. If we can’t, we will contact you within that time to let you know we need additional time.
  • We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited (FSCL).

We engage FSCL to provide a free, independent dispute resolution service for our clients, should it be required, on the basis that they may help investigate or resolve your complaint if we haven’t been able to resolve your complaint to your satisfaction.

You can contact Financial Services Complaints Limited (FSCL) via their website www.fscl.org.nz, by emailing complaints@fscl.org.nz, or by calling: 0800 347 257.

Financial Markets Conduct Act 2013

Futurelife4u, and anyone who gives financial advice on our behalf, have 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 isn’t materially influenced by our own interests
  • exercise care, diligence, and skill in providing you with advice
  • 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)
  • 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

Contact Details

Colin Bogue $ Associates Limited trading as Futurelife4u under Financial Advice Provider number (FSP) 738711.

You can contact us at:

Phone: 022 1364931

Email: colin@futurelife4u.co.nz

Post: PO Box 372, Hawera 4640

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