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Important Information

What you should know about Bryan Tucker from Decline.

This document complies with the Financial Markets Conduct (Regulated Financial Advice Disclosure)
Amendment Regulations 2020. 

DISCLOSURE INFORMATION

Decline is a trading name of Vesta Cover Limited (FSP731911). Vesta Cover is a Financial Advice Provider and holds a Financial Markets Authority licence to provide financial advice.

The insurance advocate providing advice is Bryan Tucker (FSP 99884).


NATURE & SCOPE OF THE ADVICE

Bryan Tucker will provide you with advice in relation to your personal insurance claims (life and health). This advice will usually relate to declined claims and any associated matters. In the unlikely event that he will provide financial advice about life insurance his expertise is limited to AIA, Asteron Life, Cigna, Fidelity Life and Partners Life. He only provides financial advice about health insurance from Accuro, AIA, nib, Southern Cross, Partners Life and Unimed.


RELIABILITY HISTORY

Neither Decline, Vesta Cover Limited nor Bryan Tucker have been subject to a reliability event.

A reliability event might materially influence you to decide whether to seek advice from Decline, Vesta Cover Limited or Bryan Tucker. As an example, it would include legal proceedings against any of the parties or if Bryan Tucker has been discharged from bankruptcy in the last four years.


IDENTIFYING INFORMATION

Bryan Tucker is a financial adviser (FSP99884), and is giving advice on behalf of Vesta Cover Limited, trading as Decline.

His details are as follows:

Name: Bryan Ernest Tucker
Phone: 021 467 424
Email: bryan@decline.co.nz
Address: 237 Kilkenny Drive, East Tamaki Heights, Manukau 2016


FEES & EXPENSES 

Decline will only charge a fee for advice in the following circumstances:

- You sign an agreement for an agreed fee payable for each hour, or part thereof, worked on your declined claim, or,
- You sign an agreement for an agreed fee payable only if Decline is successful in obtaining a full or part claim payment
 
Refer to the fee agreement for more details about this.

This fee will be payable by you within 7 days of our invoice. For fees paid for the successful resolution of your claim we require payment to be made the same day you receive claim proceeds from the insurer.


CONFLICTS OF INTEREST & INCENTIVES

Vesta Cover receives commissions from most insurance companies it has a relationship with. 

As a significant shareholder of Vesta Cover & Decline, Bryan Tucker benefits from these commission payments.

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Contact options

- Email bryan@decline.co.nz
- Complete a contact form
- Start the Apply process

Declined does not offer a telephone enquiry service.