Licensing & General Information

Paul Houston Risk Services Limited (FSP727811, trading as Insurance4U) holds a licence issued by the Financial Markets Authority to provide financial advice.

Contact Details

Paul Houston Risk Services Limited (FSP727811, trading as Insurance4U) is the Financial Advice Provider.

You can contact us at:

Phone: 03 307 9121
Paul – 021 719 121 Email:
Susan – 0274 717 007 Email:

Address: Insurance4U, 199 Burnett Street, Ashburton 7700

Fees or Expenses

Paul Houston Risk Services or their advisors do not charge fees, expenses or any other amount for the financial advice provided to its clients.

Conflicts of Interest and Incentives

For life insurance and health insurance, Insurance 4U and the financial adviser receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Paul Houston Risk Services Limited. The amount of the commission is based on the amount of the premium.

To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit and a review of our compliance programme annually by a reputable compliance adviser.