Insurer benefits and campaigns insights

## Looking for information?  Use our **AI search** to ask us a question or use keywords to search for pages or documents.  Search with AI _Example: "How do I apply for a financial institution licence?", "FMA Annual Report 2024"_ Like many organisations, we use technology on our website to collect information that helps us enhance the experience of our site. The cookies we use allow our website to work and help us to better understand what information is most useful to you. Accept [Back](https://www.fma.govt.nz/library/reports-and-papers/ "Reports and papers") 11 June 2026 # Insurer benefits and campaigns insights [Share to facebook](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.fma.govt.nz%2Flibrary%2Freports-and-papers%2Finsurer-benefits-and-campaigns-insights%2F) [Share to LinkedIn](https://www.linkedin.com/sharing/share-offsite/?url=https://www.fma.govt.nz/library/reports-and-papers/insurer-benefits-and-campaigns-insights/) [Share to X](https://twitter.com/intent/tweet?text=Insurer+benefits+and+campaigns+insights%3A+https%3A%2F%2Fwww.fma.govt.nz%2Flibrary%2Freports-and-papers%2Finsurer-benefits-and-campaigns-insights%2F) [Share by Email](https://www.fma.govt.nz/subscribe-to-fma-news-and-alerts) [Print this page](https://www.fma.govt.nz/library/reports-and-papers/insurer-benefits-and-campaigns-insights#) [Back to top](https://www.fma.govt.nz/library/reports-and-papers/insurer-benefits-and-campaigns-insights#page-top) Insurers that are licensed as financial institutions under the FMC Act are required to treat consumers fairly, including when offering and providing relevant services and associated products. Non-monetary benefits and short-duration sales campaigns that promote services and products are considered incentives that can heighten the risk of unfair treatment of consumers. This document shares our observations on the approach insurers are taking to ensure consumers are treated fairly in relation to incentives – specifically non-monetary benefits and short-duration sales campaigns – and includes questions for insurers to consider. **[Download the Insurer benefits and campaigns insights \[340 KB\]](https://www.fma.govt.nz/assets/Reports/Insurer-benefits-and-campaigns-insights.pdf "Cover page of FMA insurer benefits and campaigns guidance outlining CoFI expectations for fair consumer treatment and incentive governance")** [Go to top](https://www.fma.govt.nz/library/reports-and-papers/insurer-benefits-and-campaigns-insights#page-top) Aa -+