Written by · Reviewed by Smiths Insurance & KiwiSaver — licensed Financial Advice Provider (FSP712931) · Last updated 2026-10-20

Right Life Insurance NZ: what the name means and how to check a provider

We found no New Zealand life insurer called Right Life Insurance among the insurers whose own pages we read, and we could not verify any financial advice provider under that name. "Right life insurance" is also an ordinary phrase for choosing suitable cover. If a business has used that name with you, you can check whether it is a licensed insurer or a licensed adviser using the public registers below.

In short

What did we check, and what could we not check?

We looked for a life insurer called Right Life Insurance in the insurer pages and financial strength disclosures used to build QuoteHub's insurer comparisons. Those cover AIA, Asteron Life, Chubb Life, Fidelity Life, Momentum Life, Partners Life, Pinnacle Life and others, and none of them is called Right Life. See the list of life insurers.

What we could not do is search the official registers. The FSPR search returned a server error and the Reserve Bank's register page refused access to our tools on 20 October 2026, so we cannot say whether a small adviser, a brokerage or a trading name with "Right Life" in it is on the registers. If you want to be certain, search the registers yourself; the table shows where.

Is Right Life an insurer or an adviser? How to tell any provider apart

An insurer carries the risk and pays the claim. An adviser, or a brokerage, recommends policies issued by insurers. The two are checked in different places, and a business can be neither: it might be a lead-generation site, a comparison site or a trading name.

Question Where to check What a clear answer looks like
Is it an insurer? The Reserve Bank's register of licensed insurers The legal company name appears, with a licence date and a financial strength rating
Is it an adviser or brokerage? The FMA's information on financial advice provider licensing, and the FSPR A licensed Financial Advice Provider (Class 1, 2 or 3) with an FSP number
Is a licence the same as being on the FSPR? The FMA No. Being listed does not mean licensed or FMA-regulated
Who resolves complaints? The provider's disclosure, then the scheme it names One of four approved schemes: the Banking Ombudsman Scheme, IFSO, Financial Services Complaints (FSCL) or the Financial Dispute Resolution Service
How is the adviser paid? The adviser's disclosure and the FMA The amount or basis of commission, and any fee, stated up front
Whose product is it? The policy documents The underwriting insurer is named, and its rating can be checked

The FMA describes three licence classes: Class 1 for sole advisers, Class 2 for businesses with more than one adviser, and Class 3 for large organisations with nominated representatives (FMA: FAP licensing). Licensed providers must make sure you understand the nature, scope and limits of the advice, put your interests first in a conflict, and use care, diligence and skill (FMA).

What should you check before you sign with a financial advice provider?

  1. Get the full legal name and FSP number in writing. If the business will not give you either, stop.
  2. Search for them on the FSPR, and check the FMA licence, before you give health details or pay anything.
  3. Ask which insurers they can place cover with. A provider whose advice covers only its own products should say so. Momentum Life Limited (FSP472286), for example, is a licensed insurer and a licensed Financial Advice Provider whose advice covers only its own products (Momentum: Financial strength).
  4. Ask how they are paid. The FMA says most insurance advisers receive commission from the insurer, built into the premium, and must disclose how much. Some also charge a fee for complex needs. See how advisers get paid.
  5. Ask for the insurer's name, then check its rating. An A.M. Best or Fitch grade is an opinion on an insurer's ability to meet its policy obligations, not a recommendation. Our financial strength explorer and guide to insurer ratings explain the scales.
  6. Keep copies of what you were told and what you signed.

QuoteHub is itself a comparison brand, not an insurer. Advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). QuoteHub is a Momentum Life partner, and Smiths Insurance & KiwiSaver may receive a commission if you buy through our link. See how we are paid and our disclosure page.

Reviewing complaints and feedback: what a consumer can check

Online ratings of any provider are self-selected, so a complaint count you cannot trace to a source says little. What can be checked is more concrete.

If you have already paid a business you cannot verify, tell the FMA and ask your bank about the payment; do not hand over more.

If you meant "the right life insurance": five questions that decide it

Most people who type this phrase want to know how to choose. These are the questions that change the answer.

  1. What must the money do? Clear a mortgage, replace income for dependants, or meet final costs. The first two need a large amount; a funeral needs a small one. Our how much life cover do I need page works through it.
  2. Are you healthy, and willing to answer health questions? Fully underwritten cover through an adviser prices your health and can add loadings or exclusions. A healthy person can usually get more cover for less this way. Guaranteed acceptance asks no health questions, and suits people who would be declined or heavily loaded elsewhere, or who want cover in place without them.
  3. How do the early years work? Both guaranteed acceptance products restrict the first two years, in different ways. Momentum's Quick Life (ages 18 to 65, $50,000 to $300,000 per life) excludes pre-existing conditions and suicide for the first 2 years and refunds premiums if a pre-existing condition causes a death in that time and no claim is payable. Momentum's Funeral Insurance (ages 40 to 75, $3,000 to $30,000) pays in the first 24 months only for accidental death, and refunds all premiums for any other death. Over 75, neither accepts new applicants; see life insurance over 75.
  4. Stepped or level premiums? Stepped premiums start lower and rise each year with age. Quick Life is stepped to 75 and then fixed. See stepped versus level premiums.
  5. Who stands behind the policy? Check the insurer, not the brand on the advertising. Momentum Life's A.M. Best rating is B (Fair), which sits in the range its own table calls "Vulnerable", and its solvency ratio was 107% at 30 June 2026 (Momentum: Financial strength). Other insurers carry different ratings from different agencies, and the same letter means different things at different agencies.

Total premiums for a funeral policy can end up larger than the benefit, and the benefit may not cover the whole funeral. For cover with health questions in the adviser market, see Partners Life, Fidelity Life and AIA. To test whether a guaranteed acceptance product fits, use the eligibility checker and read guaranteed acceptance versus full medical. The Quick Life plan page and the buttons on this page lead to Momentum's own information.

Frequently asked questions

Is Right Life Insurance a real insurer?

We found no insurer of that name in the insurer pages we read, and we could not search the official registers on 20 October 2026. Do not assume either way: search the Reserve Bank's register of licensed insurers and the FSPR.

Does Right Life Insurance have reviews or complaints?

We did not find a business to attribute them to, so we publish none. If you hold a document from a business with that name, take its legal name and FSP number and check the registers.

How do I check that a financial adviser is licensed?

Search the FSPR and check the FMA's licensing information. Being on the FSPR does not mean a business is licensed.

Where do I complain about an insurance provider?

To the provider first, then to the dispute resolution scheme it belongs to. There are four approved schemes, and IFSO covers insurers, advisers and KiwiSaver providers that are participants.

Is the "right" life insurance always the cheapest?

Not necessarily. Price is one factor; the early-years rules, the insurer's rating and whether your health is assessed matter as well.

References

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