Nature & Scope of the Advice

I will provide you with financial advice concerning your insurance (life, trauma, income and health). I only provide financial advice about life, trauma and income insurance from AIA, Asteron Life, Cigna, Fidelity Life and Partners Life. I only provide financial advice about health insurance from Accuro, AIA, nib, Southern Cross, Partners Life and Unimed.


Reliability History

Neither Vesta Cover Limited nor I have been subject to a reliability event.

A reliability event might materially influence you to decide whether to seek advice from Vesta Cover Limited or me. For example, it would include legal proceedings against me or if I had been discharged from bankruptcy in the last four years.

Identifying Information

Bryan Tucker, Vesta Cover Limited

I am a financial adviser (FSP99884), and I am giving advice on behalf of Vesta Cover Limited, trading as Vesta Cover.

My details are as follows:

Name: Bryan Ernest Tucker
Phone: 0800 283 782 (option 1)
Email: bryan@vestacover.co.nz
Address: 222 Staithes Drive South, Whitby, Wellington 5024


Fees & Expenses

I will not charge a fee for the financial advice I provide. 

Conflicts of Interest & Incentives

Vesta Cover will not be paid a commission for transferring your existing Sovereign or AIA policy to AIA Living. However, if we arrange the transfer, AIA will begin to pay Vesta Cover a service commission of 7.5% of the premiums you pay. This service commission continues until you cancel the policy or appoint someone else as your adviser.

As a significant shareholder of Vesta Cover, I benefit from these service commission payments.

To ensure that I prioritise your interests above my own or Vesta Cover's, I follow an advice process that ensures my recommendations are based on 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 annually.  

The Major Medical low cost insurance option is not discounted.