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Our Advisors

We have a commitment to our clients to be open and transparent. We are committed to providing tailored insurance solutions to meet your unique needs. Please read through our Scope of Services statements to ensure that we are the right fit.

Director of Insurance Solutions – Property Division

I am a Financial Adviser and I am giving advice on behalf of RAM Financial Services Ltd trading as CIX (Commercial Insurance Exchange).

Please refer to my primary disclosure statement in conjunction with our partners Folio.

My Details


Ryan Andre Mulder

Registration Number


Registration Date

5 July 2019

Phone Number

0211 99 22 48

Email Address

For more details about my registration, please see here.

Scope of Advice

Nature and Scope of the Advice

I will only provide you with financial advice about General Insurance, from a wide range of New Zealand based and overseas providers, when providing you with financial advice I will consider:

a)  Insurance products that you currently have;
b)  Insurance products that you don’t have;
c) Your budget and/or financial position;
d) Your risk appetite;
e) Risk management techniques.

If I recommend changing any insurance products you currently have, I will notify you of the important differences and benefits between them.

See more Information

Reliability History

Neither CIX, Folio, nor I, have been subject to a reliability event. A reliability event is something that might materially influence you in deciding whether to seek advice from me or from CIX. As an example, it would include legal proceedings against me, or if I had been discharged from bankruptcy in the last four years.


Fees, Expenses, or Other Amounts Payable

If you decide to proceed with my financial advice, and I assist in arranging insurance on your behalf, there may be a fee associated with implementing this advice. While I cannot provide an exact estimate of this fee at this moment, I will clarify and confirm it within my recommendation.

This fee will be clearly delineated on the final invoice, which you will be required to settle by the specified due date. Alternatively, if you opt for a Premium Funding arrangement, it can be included in the monthly instalments facilitated by the Premium Funding company if such an arrangement is made.

It's worth noting that in some cases, there may be additional fees unrelated to my financial advice, such as credit card fees. If such fees apply to your situation, I will detail them in my recommendation. A comprehensive breakdown of all fees will be provided in the final Disclosure information, which will accompany your invoice for your reference and transparency.


Conflicts of Interest and Incentives

When arranging insurance, providers may pay us a commission based on the Company Premium and Natural Disaster premium (if applicable).

Generally, commissions typically vary within the range of 10% to 30% of the company premium for the majority of insurance products, and they typically fall within the range of 5% to 10% of the Natural Disaster premium. The precise commission amounts will be disclosed to you once I have identified the specific insurance products and providers that I am recommending.

Your Info

Your information

The information we have discussed is documented in written form. If you would like to receive a written copy, please inform me, and I will gladly provide it.


Complaints Handling and Dispute Resolution

Should you wish to make a complaint, in the first instance let me know, and I will try to resolve your complaint to your satisfaction.

Alternatively, you can contact our Complaints Officer directly at:

For more information about our internal complaints process and how to escalate, please refer to our Complaints and Disputes process here.



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