Last Updated: June 2026
Licensing Information
Life, Health and Disability insurance advice is provided by ONBOARD Lending Limited, a licensed Financial Advice Provider (FSP761712).
NZBN: 9429048480932
Trading As
Onboard Lending
Office Address
56 College Hill
Freemans Bay
Auckland 1011
New Zealand
ONBOARD Lending Limited is licensed by the Financial Markets Authority (FMA) to provide financial advice services in New Zealand.
You can verify our registration on the Financial Service Providers Register:
https://fsp-register.companiesoffice.govt.nz
Financial Advisers
Financial advice may be provided by the following Financial Advisers engaged by ONBOARD Lending Limited.
Bradley (Brad) Tonkin
Financial Adviser – FSP1004576
Trading as Onboard Lending
Jesse Robertson
Financial Adviser – FSP1011148
Trading as Onboard Lending
Josephine Ackerman
Financial Adviser – FSP1009780
Trading as Onboard Lending
56 College Hill, Freemans Bay, Auckland 1011, New Zealand
Additional advisers operating under this licence will disclose their registration details when providing advice.
Nature & Scope of Advice
ONBOARD Lending Limited provides financial advice in relation to Life, Health and Disability insurance products.
Products We Advise On
- Life Insurance
- Total Permanent Disability Insurance
- Trauma / Critical Illness Insurance
- Income Protection Insurance
- Mortgage Protection Insurance
- Health Insurance
- Business Risk Insurance, including Key Person Insurance and Shareholder Protection
Insurance Providers
Advice may be provided on products offered by:
- Chubb
- Partners Life
- NIB
- Asteron
- AIA
- Accuro
- Fidelity Life
If we identify any material limitations or restrictions on the scope of our advice, these will be disclosed to you.
Services We Do Not Provide Advice On
We do not provide financial advice relating to:
- Fire & General Insurance (house, contents or motor insurance)
- Legal or estate planning services such as wills or trusts
- Investment products including shares, bonds, managed funds and KiwiSaver
If you require advice in these areas, we recommend consulting an appropriate specialist.
How We Are Paid
If you decide to take out an insurance policy following our advice, the insurer may pay ONBOARD Lending Limited a commission.
| Commission Type |
Typical Amount |
| Upfront Commission |
Up to 260% of the first year’s annual premium |
| Ongoing Commission |
Typically between 5% and 30% of the annual premium on each policy anniversary |
These commissions are paid by the insurer and are not an additional cost to you.
The commission received may be shared with ONBOARD Lending Limited for providing compliance oversight, training, technology, licensing and administrative support.
Full commission details will be disclosed before any policy is implemented.
Conflicts of Interest
Because ONBOARD Lending Limited receives commission from insurers, a potential conflict of interest may arise.
We manage conflicts by:
- Following a documented advice process that prioritises your objectives and circumstances.
- Researching suitable products across our approved insurer panel.
- Maintaining registers of conflicts of interest, gifts and incentives.
- Undertaking regular compliance monitoring and training.
- Ensuring advisers are subject to internal oversight and audit.
Our advisers are required to prioritise your interests when providing financial advice.
Fees
In most cases, we do not charge a fee for providing Life, Health & Disability insurance advice.
However, a fee may apply in certain circumstances.
If a policy arranged by us is cancelled or lapses within 27 months of inception, the insurer may require ONBOARD Lending Limited to repay some or all of the commission received. This is known as a commission clawback.
If this occurs, ONBOARD Lending Limited may charge a recovery fee.
The recovery fee will:
- Not exceed the commission actually clawed back by the insurer.
- Be disclosed to you in advance.
- Be invoiced transparently.
Maximum Recovery Fee: $6,000 including GST.
Privacy Policy & Security
We handle personal information in accordance with our Privacy Policy, ensuring your data remains confidential and secure. Your information is only shared in compliance with legal and regulatory requirements.
Our Privacy Policy document is available on our website and/or on request.
Complaints Process
If you have a complaint about our financial advice or service; details on how to make a complaint are available on our website and/or on request.
Our Duties
Onboard and its Advisers comply with the Financial Markets Conduct Act 2013, which requires us to:
- Meet the competence, knowledge, and skill standards set out in the Code of Professional Conduct for Financial Advice Services.
- Prioritise our clients’ interests.
- Exercise care, diligence, and skill in all financial advice services.
- Maintain ethical conduct and high client care standards.
For more information or a hard copy of this disclosure, please contact us at
admin@onboard.nz.
Availability of Information
Your personal information can be provided in hardcopy upon your request by contacting us at
sharon@onboard.nz.
Last Updated: June 2026
