Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Your Appointment Request Has Been Received Thank you for booking an appointment with Futurisk. We’ve received your request and will be in touch shortly to confirm the details. We look forward to speaking with you and helping you plan for a more secure future. Freephone 0800 17 18 19

Protect your car with comprehensive private motor vehicle insurance from Futurisk Insurance, ensuring peace of mind on New Zealand roads. Private Motor Vehicle Insurance Our Solutions > Personal Insurance > Private Motor Vehicle Insurance > If your car gets damaged or is written off, we’ll make sure you’ve got the cover you need to get you back on the road as soon as possible. Private Motor Vehicle Insurance Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess Whether you are zipping around the city in a small car or riding a motorbike, or driving a sleek luxury model, you depend on your vehicle for freedom and flexibility. So, it is important to know that if your vehicle gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type. What can it cover? The cover provided by comprehensive insurance can vary, depending on the policy. Here are some examples of possible cover: Agreed or Market Value Replacement of a lost or stolen vehicle Cover to help pay for the damage you’ve caused to another person’s vehicle or property A replacement of the same make and model for new cars that are written off within twelve months Legal liability cover Broken Windscreens Need Commercial Vehicle Cover? We provide cover for most vehicles used in business throughout New Zealand. Check out our specialised Business Insurance solutions. View Commercial Cover Chat to one of your local advisers today to organise a personalised Motor Vehicle plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Secure your health with tailored medical insurance plans from Futurisk Insurance, providing comprehensive coverage for individuals and families in New Zealand. Medical Insurance Our Solutions > Personal Insurance > Medical Insurance > Health Insurance protects your most valuable asset – your health! Medical Insurance Enquire Now Why Health Insurance? More choice – you choose how you receive treatment, and with your GP or specialist, you decide when and where. Less waiting – while you wait for treatment your health could be deteriorating. If you’re in pain, waiting can be difficult and emotionally draining. Less worry – people often worry when they are waiting for treatment and so do the people who love and support them. You won’t have to worry about having the money to pay for the best treatment. Protects your income - bad health could result in time off work and lost income for you and/or your dependent family members. If you’re paying for treatment yourself, that’s an additional financial burden Access to leading edge treatments - Health practices and treatments are advancing rapidly. Private Health-Insurance can gain you access to treatments that you may not otherwise be able to afford Medical Treatment Facts Currently in New Zealand there is a shortage of senior doctors, a problem that is predicted to result in a shortfall of 670 full-time equivalent senior doctors by 2021. Significant numbers of senior specialist doctors reaching retirement age and lifestyle factors are contributing to the problem Medical emigration to fill demand for specialist doctors internationally is also putting pressure on New Zealand’s supply of specialist doctors in the future. Benefits of Medical Insurance Get an earlier diagnosis and treatment with the right health insurance cover. Easy Access to Specialist. Access to advanced treatments. No Financial Stress. What can it cover? Health insurance takes care of the big things like surgical and non-surgical treatment in a private hospital. It also covers consultation with specialists, medications, dressings, rehabilitation and the cost of staying in a private hospital. It may also include the following: Surgical and Non-Surgical Benefits Cancer Care Overseas Treatment Health Support: Ambulance transfers Home nursing care benefit Physiotherapy Hospice care benefit ACC top up Funeral cover Additional Options: Specialist Option: Provides funds for specialist consultations and diagnostic tests like XRAY, ultrasound or cardiovascular examination. Dental and Optical Treatment: Cover for dental examinations and orthodontic treatments. This plan also covers optometrist and optician consultations, prescription glasses, audiometric tests, acupuncture, chiropractic, osteopathy, podiatry treatments, and speech therapy. GP Options: Provides cover for day to day healthcare costs including GP consultations, GP minor surgeries, pharmaceutical prescriptions, physiotherapy and nurse visits. Pro-Active Health: Provides cover for health screening tests, allergy testing and vaccinations, dietician or nutritionist consultations and even gym membership. Best Doctors: A worldwide network of doctors offering you and your immediate family access to leading specialists from New Zealand and around the world. Excess There are various excess options to choose from to suit your individual requirements without sacrificing essential benefits Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Contact Futurisk Contact Us > Contact Our Team For Personalised Insurance Solutions - servicing Wellington through to Kapiti, Palmerston North, and Waikato. Our locations Futurisk Manawatu 0800 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz 178 Broadway Ave Palmerston North 4410 PO Box 5252, Terrace End Palmerston North 4441 Futurisk Waikato 0800 17 18 19 +64 7 929 2296 enquirieswaikato@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 Futurisk Kāpiti 0800 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Otaki PO Box 134, Ōtaki 5542 Contact Us Our financial advisers are dedicated to providing exceptional service to our clients when it comes to health and life insurance, business insurance cover, home and contents insurance, and travel insurance coverage. Name* Phone* Email* Message* Submit We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19

Access essential information, policy documents, and disclosures related to our insurance services at Futurisk Insurance in New Zealand. Important Information Important Information > Manawatu Disclosure Download Privacy Policy Dowload Waikato Disclosure Download Complaints Policy Download Kāpiti Disclosure Download General Insurance Disclosure Download General Insurance Kāpiti Disclosure Download Freephone 0800 17 18 19

Cleaning up after Christmas Cleaning up after Christmas Contact Us The Futurisk plan to escape Christmas debt: Make escaping debt a priority. This is the most important step: make a conscious decision that you are going to do whatever it takes, and make whatever sacrifices you need to make, to get out of debt as quickly as possible. Work out what you can do without. To become debt free as soon as possible will require some short-term sacrifices. Think about some things that you could do without for the sake of being debt free. Maybe you only buy coffee twice a week at work instead of every day. Maybe you don't buy that weekly magazine for a little while. Maybe you don't go out for dinner until the bill is paid. Whatever sacrifice you make, it will be worth it to escape the stress and financial cost of credit card debt. Just make sure you put the money saved towards paying off that debt. Pay off more than the minimum. This is the biggest mistake made by people with credit card debt. They believe that, by paying the minimum payment required each month, the debt will quickly disappear. While it will eventually disappear, it will be a long and costly process. The quicker you pay off debt, the more you save in interest and the better off you are financially. Having decided what sacrifices you will make with your spending, calculate how much you can put towards paying off your debt each month, and stick to it. Don't add any more to your credit card. The temptation is always there to treat yourself. "It's only a few dollars," we say. But all those few dollars add up. When the credit card interest rate is added to that, we are just prolonging our time in debt. Set a goal. Having made the decision to be debt free; and worked out where you can economise; and calculated what is the most you can repay each month; and having determined not to add anything to your card, set a date at which you can be debt free. Circle that date on your calendar or in your diary; keep that date at the forefront of your mind... it's the day you'll feel a great sense of release--you'll be debt free! Celebrate. Being debt free is something worth celebrating. Plan a celebration for the day you pay off your debt - but don't make it an expensive celebration, and don't put the cost of celebrating onto your credit card! The team at Futurisk would love to talk to you about all aspects of your personal finances and insurances. Beware Christmas debt! As we wander around the shopping malls leading up to Christmas, it's so tempting to pull out our credit card to buy gifts and treats for family and friends. Of course, our intention is to quickly pay off the amount owing as soon as we get back to work in the New Year. Problem is, for many New Zealanders that doesn't happen. Some credit card statistics Leading up to Christmas last year the New Zealand Herald reported: New Zealanders were collectively paying more than $600 million a year in interest on personal credit card debt. New Zealanders collectively owed $5.542 billion on plastic cards at the end of July 2012. Of this $5.264 billion was on personal credit cards. Nearly two-thirds of personal credit card debt is incurring interest. Despite credit card rates of just 12% being available, the average interest rate on outstanding balances is 17.8 per cent. That equates to $638 million in payments going into the pockets of financial institutions over the past year. Credit card debt is dangerous Now, I know most people will say, "But I pay off my card every month before it incurs any interest." The reality is, most people don't! Much of the debt loaded onto credit cards occurs in the period leading up to Christmas. Last December, we collectively loaded over 5 billion dollars onto our credit cards. Did we pay it all off within the month? No. In January this year we still owed over 3.5 billion dollars of that, plus the interest it was accruing. Credit card debt is dangerous because of the high interest rate it incurs. For many people, going into debt on their credit card puts them into debt for a long, long time. It makes sense to limit the use of your credit card leading up to Christmas, but just in case it's too late, here are a plan to help you clean up after Christmas if you find yourself in debt when January 2014 arrives. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Six Tips to Help You Pay Off Your Mortgage Faster Six Tips to Help You Pay Off Your Mortgage Faster Contact Us 3. Make repayments fortnightly, not monthly Most banks will set up your mortgage with monthly repayments; request fortnightly repayments. What that means is that, over a year, you’ll make 26 half-monthly repayments rather than 12 monthly payments – that’s two extra repayments per year. Over the course of a 30 year mortgage that can save you thousands of dollars. 4. Make lump sum repayments If you have a tax refund or some other windfall, put it on your mortgage. It will go straight towards paying off principal owed and save money on interest repayments. 5. Track your finances Many people could radically improve their personal finances if only they kept track of their income and expenditure – that means, keeping to a budget. Remember, even small amounts of money saved and put on your mortgage can save thousands over the period of your mortgage. 6. Set your mortgage up with part revolving credit Of all the tips to save money on your mortgage, this is the most effective. It can be tricky to set up properly and you may need some financial advice to do it. Once set-up, however, it can save you tens of thousands of dollars and many years of mortgage repayments. The team at Futurisk would love to talk to you about all aspects of your personal finances. Click here to contact Futurisk. I remember when I was about Intermediate School age (a long time ago), my mother would give me $20 each fortnight and I’d take it to the local building society. It was the mortgage money. Having taken out a mortgage, my parents faithfully paid back the required sum every fortnight until every dollar of the interest and principal were paid off. No thought was given to ways of saving on those mortgage repayments. These are, however, simple things you can do to speed up your mortgage repayments saving you both money and time. Here are Futurisk’s six tips to help pay off your mortgage faster: 1. Start early Whatever strategy you decide on, start as early on in your mortgage as you can. In fact, think about how you will repay your home loan before you even sign up for it. Perhaps get some advice from a financial solutions company like Futurisk or from your accountant. This is because, with a table mortgage, which most mortgage-holders will have, the early payments are mostly interest with little principal being repaid. Then, as time goes on, the proportion of interest per payment decreases, and the proportion of principal per payment increases. So, the sooner you begin on a plan to speed up the paying off of your mortgage, the more you save. 2. Each fortnight, pay a little more than the bank asks for If you pay any amount over what the bank asks you to pay on your mortgage, that amount will go straight into lowering the principal owed and therefore lower the interest you are paying. Over the life of your mortgage even a small amount of extra money paid per payment can save tens of thousands of dollars. Here’s another little trick: over time, most mortgage repayments will decrease. Many home owners look forward to this and see it as extra money in their wallet. However, by keeping your repayments the same throughout the life of your mortgage, a lot of money can be saved. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Secure your well-being with our personal insurance services, including life, health, and income protection. Futurisk Insurance offers tailored solutions to safeguard you and your family's future. Personal Insurance options with Futurisk Our Solutions > Personal Insurance > Book a free appointment here General & Domestic Insurance options Home & Contents Insurance Travel Insurance Private Motor Vehicle Insurance Pet Insurance Pleasure Craft Insurance Life & Health Insurance options Life Insurance Total & Permananent Disability Trauma & Critical Illness Income Protection Medical Insurance Mortgage Protection Rural Continuity Business Continuity ACC Cover Plus Chat to one of your local advisers today to organise a personalised insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more

Ensure your pets receive the best care with our comprehensive pet insurance policies. Explore coverage options with Futurisk Insurance in New Zealand. Pet Insurance Our Solutions > Personal Insurance > Pet Insurance > Our Pet Insurance provides cover for your cat or dog to remove stress when expensive bills arise. Pet Insurance Enquire Now Benefits with Futurisk Covers veterinary bills such as veterinary consultations, specialist care, surgery and more , which could be very expensive for families to afford. We can help at claim time You choose the excess What can it cover? Whether you own a cat, dog or a horse, we know how important they are to you. Pet insurance provides cover for one’s pets for every step of the way, from when they’re just babies to their later years. It covers veterinary bills such as veterinary consultations, specialist care, surgery and more. These bills can cost thousands of dollars and can be simply too expensive for some families to afford. Chat to one of your local advisers today to organise a personalised Pet Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Struggling with debt? Futurisk Insurance provides expert debt management services, helping you regain financial control and restructure your loans. Debt Management with Futurisk Our Solutions > Mortgages > Debt Management > Tailored Debt Management Plans and Debt Reduction Services to get you on the pathway of financial freedom. Debt Management Enquire Now The benefits Imagine paying off your mortgage faster than you initially thought and not paying those overseas lenders all that interest, what could you do with that extra income? Dare to dream! Financial freedom may not be as difficult to achieve as you thought - give Futurisk Waikato a call to arrange a meeting, either at your own home, workplace or another convenient location of your choice. Take the hassle out of managing your finances and become debt-free faster with your own Debt Management Plan. With the right plans in place, you can get the most out of your money instead of the bank. Futurisk Waikato can also help you get the right home loans, and the right insurance cover, so with the help of your own Debt Management plan, you can still be debt free even if a disaster does occur. Enquire Now Why choose Futurisk? One of Futurisk's Insurance Financial Advisers can complete an audit of your income, your expenses, your debts and your plans for the future. This information is then analysed and entered into the Xero accounting program. You will be provided with a personalised Financial Overview of your current financial situation as well a personalised Debt Management Report which will show you how you can achieve your financial goals and save thousands of dollars in interest by becoming debt free faster and more efficiently. Who Keeps track of your Money? We can help you: Get proactive with your money and be in control of your finances Set and achieve financial goals Take the hassle out of managing your finances Save money in Interest costs Pay off your debt faster Increase your wealth / equity The plan process Our Futurisk team use and recommend Debt Management Plans with Xero which will help you manage your household finances like a well run business. It starts with your own Personalised Plan, based on your financial audit Then this plan is entered into a personalised accounting program by Xero, which connects to your online banking, so you are able to run your home finances like a business and monitor and track your progress Then you are provided with Training and Support to help you get the most out of Xero and your Debt Management Plan, including telephone reviews, so you gain equity faster and save time and money in the process! We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Book a consultation with Futurisk Insurance to discuss personalised insurance and mortgage solutions tailored to your needs in New Zealand. Book an Appointment Book an Appointment > Book an appointment to speak to a local adviser to support you through your insurance or mortgage needs. Book an Appointment Select Service* Appointment Location* Select Date* Select Time* Time : Hours Minutes AM Name* Phone Email* Book We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19

Need to make a claim? Get step-by-step guidance on filing your insurance claim with Futurisk Insurance. We’re here to help you through the process. Make a Claim Make a Claim > If you need to make a claim or have any questions about an existing claim, you can contact us for assistance. We'll let you know what extra information we need to help speed things up. Freephone 0800 17 18 19 Make a claim If you need to make a claim or have any questions about an existing claim, freephone 0800 17 18 19 , or contact your local Futurisk team for assistance. Contact Futurisk Waikato 0800 17 18 19 +64 07 929 2296 enquiries@futurisk.co.nz Contact Futurisk Manawatu 0800 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz Contact Futurisk Kāpiti 0800 17 18 19 +64 6 364 6123 info@futurisk.co.nz Tips if something goes wrong Make your property secure If your home or business has been damaged, do whatever you need to do to secure the premises and make it safe and comfortable for your family or employees. Contact us as soon as you can The sooner you contact us, the sooner we can help. For example, we may be able to arrange quicker repairs or get you into temporary accommodation. Do what you can to minimise any damage Do what you can to prevent further damage - like boarding up windows or removing water damaged property. Try not to throw anything away, but if you have to, take photographs first. Take photographs Photograph any damage or other evidence. If you're in a motor collision, it's a good idea to take photos before any vehicles are moved if it's safe to do so. Don't admit liability Talk to us, or your broker or adviser before admitting liability or entering into a settlement agreement.
 Our advice for claims Take immediate steps to prevent or minimise further damage - TO ACT AS IF YOU WERE UNINSURED Notify us or the insurer immediately after any loss, accident, liability as soon as it comes to your knowledge. Complete the appropriate Claim form we provide you and return to us as soon as possible. No claim can be settled, nor any repairer/Third Party reimbursed, until such time as your Insurer receives a completed Claim form. In the case of Theft, Loss or Malicious Damage you must promptly notify the police and forward the Police Complaint Acknowledgement Form with your Claim Form. Should the incident involve a Third Party, DO NOT UNDER ANY CIRCUMSTANCES ADMIT LIABILITY or ENTERING INTO SETTLEMENT AGREEMENT without prior consent of your insurer. Receipts, valuations or other documents to support your claim should be forwarded with your claim form. Act with due diligence and try to assist your insurers in every possible way. Motor Vehicle Record date, time & place of accident, road & weather conditions, photograph of the impact site Keep the details of any 3rd party involved (Driver’s name, address and phone number, Registration number, insurance company) Make arrangements to have the vehicle sent to repairer of your choice as soon as possible. Complete and forward a claim form to us. Public Liability It is important that the rights of the Insurer MUST NOT be prejudiced. Therefore all demands claiming damage to Third Party property under circumstances which are, or may involve negligence or error or omission or wrongful act, must immediately be reported to us and we will report the matter to your insurers. Do not admit liability or make any payments which may be construed as an admission of liability - this is a Condition of the Policy. Material Damage Special Risks Immediately investigate the extent and cause of loss or damage. Call us for a Claim Form and for further instructions. Obtain estimates for repairs At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19