Dear  Joe

I want to write and say a huge “thank you” for the real support and tangible help that you gave me in my quest to reduce my monthly outgoings on my Fidelity Life policy. With your guidance, and your actual, hands-on assistance in dealing with the Insurer, I have been successful in having removed ALL of my loadings on my premiuims.

I can now afford to continue having life cover – a huge relief to me as I plan my retirement years and spending of capital in my remaining years. The knowledge that any asset spending that we Do do will be replaced by my policy when I die is a great comfort. And all due to you and your company taking an interest in me and my case.

I am most impressed with your operation – I won’t hesitate to recommend you to my friends. Keep up the fantastic work

Brian Wilson



Futurisk has been amazing at helping me get my medical and life insurance. They came to my home at a time that suited me to discuss what I wanted in insurance, then did all the hard work in getting a policy for me. It hasnt been easy for them and they have gone the extra mile in getting it sorted out. They have kept me informed every step of the way. I couldnt have done it without them, I would have given up months ago. Thanks futurisk !!!

Kylie Whitcombe

Palmerston North


I already have an existing Life Insurance when an Adviser from Futurisk approached me. The Adviser, Carmela Laylo was very friendly, accommodating, flexible, well-versed and gave us an in-depth explanation of insurance cover and the requirements needed to achieve the cover we wanted. It was then that I understood the importance of proper health assessment which I did not undergo from my previous insurance. At first assessment, I did not qualify with one insurance company due to health issues. Never losing hope, the Adviser forwarded my case to another company for reassessment. This time with positive result. I am very grateful for the efforts and persistence of Carmela; it gave me much confidence that I am assured of my insurance!

Rhea Villocido

Palmerston North


Dear Futurisk and the team,

We were delighted to host Futurisk Insurance at our home and we would like to thank you for your expertise in noticing we were paying far too much on our Life Insurance.

Because of this you were able to reduce our monthly payments, plus offer us far better overall health coverage, which will give us peace of mind going forward into the future.

Having you actually come to our home is a great asset as we get to talk to you, and the team, face to face and understand, sometimes, complicated workings of settling on a tailor made Insurance, which benefits the individual and allows a more flexible cover.

Once again thank you for your help and experience and we would be happy to recommend you to our friends and their friends in the future.

Well done Futurisk!

Lester & Flora Gaunt



"I have multiple insurance policies via another insurance provider when I happened to have a discussion with Carmela regarding my search for the right Medical insurance plan for me and my Family. Not only had she gone out of her way to accommodate my crazy schedule, She also made sure that I was aware of the pro's and con's of each product and she really made sure that I had the best fit for my family. About a year after I had signed on with her - I was hospitalized and went into emergency surgery. Not only did Carmela visit and made sure that I was ok, She also made sure I was aware of the other benefits my medical cover had for me. I felt I was more than just a paying client and I felt that I was looked after. I received my renewal for my medical insurance this year and I was more than happy to renew my policy after the outstanding level of customer service I had received from Carmela. She is most definitely an asset to Futurisk and an amazing person to be on your side when facing extreme difficulties. She made the process easy and the policy comprehensible. I am now looking at transferring all my other insurance policies with her since she had shown me exactly how a policy holder is meant to be looked after!"

Loraine Trinidad Symons

Palmerston North


Being a highly-organised and trained planner, and a very practical person to boot, I made sure I acquired different types of insurance so that I will have peace of mind. I saw how Carmela was hardworking and so driven with her job as a financial advisor and I wanted to boost her sales apart from making sure I got covered in all aspects of my life. Knowing that I just about done this, Carmela offered me the best available plan. She wasn't really after making a few bucks from me but showed real concern so I can experience the best benefits. She was even able to convince my husband to get the same insurance coverage.

Kudos to Carmela, I now look at financial advisors and insurance coverage in a different light. More power!!!

Mayette Cope-Sant

Palmerston North


Life is sacred and we must do all our best to keep ourselves healthy and strong. But, even in this day and age of advanced technology and medicine, we still cannot guarantee an eternal life or a life that is free of any health issues. In one form or another, our body will just suddenly contract a disease that is unexpected to us whether it is through our doing or just a freak of nature. We see this every day on Facebook. On my timeline, I saw friends, family, relatives, colleagues and classmates in the past and current who suddenly got ill or who suddenly died. And I felt that there is no age, no economic status nor education can save us from neither illness nor death. And I am no different from them. I am just another human who will one day get ill or die. And then I looked at my life and saw my 5 children whom I brought to New Zealand. What will happen to them when I am gone? How are they going to cope in a foreign land all by themselves? That’s when I decided to get a Life insurance.

And then one day, I met  Financial Adviser of Futurisk Insurance through his son . He advised me that it is also good to have a little bit of help from the insurance while I am alive through the medical condition covered (i.e. progressive care). At least I don’t have to wait to die before I can enjoy the benefits. So that’s when I learned about Sovereign from where I took my Progressive care and Income protection. Then after less than a year of joining Sovereign, a regular smear test changed my life forever. I was suddenly diagnosed with cancer. It was so shocking and unexpected. My life was put on hold. I suddenly stopped working and stopped worrying about bills and everything else around me. All I focused on was to deal with pain and the treatment the Doctors advised me to go through.

I was lucky to have met my financial advisor and got my Insurance cover because when I got diagnosed with cancer I felt someone has my back covered for my bills and my extended absence from work. I reached out to my medical condition and work protection cover. It was such a relief that there is someone or something that I can lean on in this difficult time of my life. All I can say is thank you to Futurisk for helping me get my insurance application processed. Insurance is an extra expense but an expense worth spending every dollar for yourself and your family’s future, most especially in times of your need.

Loisa Reyes