Stay informed with the latest news, updates, and insights from Futurisk Insurance, covering insurance trends and company announcements in New Zealand. Recent News News > Helpful news and advice on your insurance, finance or mortgage needs. Advice All news Financial Insurance Mortgages Fixing or Floating Your Home Loan: What’s the Right Choice? A perennial question for New Zealand homeowners, especially during times of uncertainty in global financial markets, is, “What should I do when my home loans come up for refixing: Should I lock in a fixed rate, move to a floating rate, or consider a combination of both?” Read More Is Your Insurance Still Working for You? Small Tweaks Can Make a Big Difference If the cost of your insurance has been on your mind lately, you’re not alone. We all sometimes wonder if we could get a better deal or if there are a few tweaks we could use to maximise our cover. The good news is, there are more options than you might realise. Here are a few thoughts on optimising your insurance cover. Read More My KiwiSaver and other investments are dropping in value – what should I do? Recent global events, including the current situation in the Middle East, have resulted in increased volatility in financial markets across the world, including New Zealand. For most of us this has meant a decrease in the value of investments including KiwiSaver. It’s understandable that seeing our investment balances drop can be worrying, however, it pays to remember, periods like this are a normal part of investing – the market is constantly moving up and down and up again. Read More Seasonal Insurance Tip – Heading into the Cooler Months Each year, as we move into autumn, we usually see a noticeable rise in home insurance claims, particularly those caused by burst pipes and unexpected water damage. The good news is that many of these claims are preventable. Read More Five Reasons to See a Mortgage Adviser Before Going to Your Bank You’re looking to purchase a new home and need a mortgage so it’s obvious—you just drop into the bank you’ve always used and ask for a home loan, right? No. Just hang on a second. While many borrowers instinctively turn to their bank when taking out a home loan, there is another way. Working with a mortgage adviser from an independent company such as Futurisk can mean significant advantages. Read More How to Strengthen Your Financial Safety Net with Accidental Injury Cover In New Zealand, ACC provides excellent support for a wide range of injuries. However, it may not cover every expense, and the financial impact of an injury can still be significant. That’s where Accidental Injury Cover (also known as Specific Injury Cover) comes in — offering a valuable layer of protection to help ease the burden. Read More Show more news 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

Protect your future with Futurisk Insurance. Offering personalised life, business, and income protection insurance, as well as expert mortgage brokerage services across New Zealand. Contact us today for tailored solutions. Today. Tomorrow. Together. At Futurisk, we’ve got your back, for you, your family and your business. Get specialised insurance and mortgages Personal Insurance Business Insurance Mortgages Kiwisaver/Investments 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 Freephone 0800 17 18 19

Travel worry-free with comprehensive travel insurance from Futurisk Insurance. Get coverage for medical emergencies, cancellations, and more. Personalised Travel Insurance Our Solutions > Personal Insurance > Travel Insurance > Personalised travel insurance cover provides cover while you are travelling. Travel 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 What can it cover? Travel Insurance provides cover while you are travelling for risks such as: travel disruption cancellations loss of deposits lost, stolen or damaged luggage emergency hospital and medical expenses, and personal liability during your travel Chat to one of your local advisers today to organise a personalised Travel Insurance plan. Talk to an adviser 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

Looking for expert insurance and mortgage services in Manawatū? Futurisk Insurance provides tailored financial solutions in your local area. Futurisk Manawatū Our Solutions > Manawatu > We are your local Manawatu advisers who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 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 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisers well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Manawatu Team Based in Palmerston North, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". That’s why our team of financial advisers will always work with you one-on-one to find the insurance solution you need. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. After many years in the industry, our director Joe Singh, founded Futurisk Insurance in 2011. Starting with a small team, Futurisk has expanded and grown into a team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by our friendly administration team, our ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial well being. As we have grown and continue to grow, we have formed strong alliances with the insurance providers, giving us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Mangers (KAM) with these companies who are dedicated in assisting us with processing of the applications and ensuring that policies are issued as efficiently as possible. Our Manawatū Office Meet our Manawatu specialists Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Joe Singh Director / Financial Adviser 06 358 3400 ext 701 Bio Joe has been in the insurance industry since 2005 and loves helping clients in protecting what matters the most – their health and financial wellbeing. Joe is a Science Graduate with an MBA in Sales and Marketing and has over 20 years of experience in the insurance industry where he has kept himself up to date with industry run courses, CPD credits and has done a Level 5 course in Financial Services. Joe is a Financial Adviser, and specializes in risk management of individuals, families, and business owners. Joe is a proud member of Financial Advice New Zealand (FANZ) and IBANZ and complies with their Code of Ethics in all facets of his business. Joe has also completed the qualifications of being a Trusted Adviser with FANZ. Away from office Joe, enjoys playing Badminton, Tennis and he loves watching Cricket and Rugby! Joe is married to Vijaya and they have one child! Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 021 057 0140 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Paul Rowe Financial Adviser 06 358 3400 ext 711 Bio I commenced work in the industry in June 1986 as a sole agent for prudential Assurance. In 1995 I saw changes in the market place and thus acquired agency agreements with other Insurance Companies to provide a better service to my clients. I maintain and extend my knowledge through regular attendance at industry seminars. M y success and attitude to personal development has meant attendance at various international conferences and I have gained qualifications both in Life Assurance and Financial Planning (IPAC Securities). My recognition to service and client retention has been rewarded with select membership with APEX (Advisers Performing with Excellence. Email Don Patel Financial Adviser 06 358 3400 Bio I am a Financial Adviser, with 14 years of experience within the Insurance Industry. Lately I have completed my Level 5 certificate in Financial Services. I can give you advice on personal insurances, including but not limited to, Life Cover, Trauma, Total Permanent Disability, Income Protection benefits and Health Insurance. Email Aneesh Philip Financial Adviser – Life and Health 06 358 3400 Bio Aneesh is a dedicated Financial Adviser with over 17 years of experience in the insurance industry. He is passionate about safeguarding his clients' health and financial well-being, which drives his commitment to providing customized risk management solutions. Holding a Science degree and an MBA in Sales and Marketing from SRM University in Chennai, India, Aneesh is deeply invested in continuous professional development. He has completed a Level 5 course in Financial Services from New Zealand, ensuring he remains knowledgeable in the latest industry trends. Based in Wellington, Aneesh specializes in working with individuals and families, helping them address their specific insurance needs while offering peace of mind through tailored advice and strategies. His approach is rooted in building long-term relationships, based on trust, professionalism, and a clear understanding of each client’s insurance needs. Email Hari Mohanan Financial Adviser – Life and Health 06 358 3400 Bio Hari Mohanan is passionate and dedicated to both his profession and his family. With over 1 year of experience in the insurance industry, Hari is driven by a strong desire to help people protect what matters most— their health, financial wellbeing, and future. His commitment to his job allows him to offer tailored insurance solutions for individuals, families, and business owners, ensuring they are well-protected in times of need. Hari holds a qualification in Accounting and a Level 5 qualification in Financial Services. He continuously works to stay up-to-date with industry trends, offering the best solutions to his clients. His work is not just a job; it’s a way for him to serve his community and make a meaningful difference in the lives of others. Outside of work, Hari is a dedicated family man, married to his partner Avani. He loves spending quality time with his family and friends. An avid sports enthusiast, Hari enjoys playing cricket and other games, staying active while having fun. His passion for life, combined with his caring nature, fuels his desire to help people and give back to society in any way he can. Email Monico Santiago III Financial Adviser – Life & Health 027 293 0527 Bio As a seasoned insurance expert with over 10 years of experience in the Philippines, I empower individuals, families, and businesses to secure their financial future and achieve peace of mind. With a proven track record of excellence in sales and marketing, I provide personalized life protection and wealth solutions tailored to each client's unique needs. Licensed in Life, General, and Variable Unit-Linked Insurance in the Philippines, I bring expertise and passion to every conversation. My extensive experience working in both rural and urban communities—catering not only to Filipinos but also to clients from diverse nationalities and cultures—has taught me the importance of accessible, inclusive, and compassionate service. As a top-performing Financial Adviser and Area Manager, I’ve driven business growth, mentored high-performing teams, and earned numerous awards for my dedication to excellence. What sets me apart is my commitment to delivering exceptional client experiences and support. I take the time to understand each client's goals, concerns, and aspirations, providing tailored solutions that protect their loved ones and secure their financial freedom. With a New Zealand Certificate in Financial Services, I specialize in Life, Disability, and Health insurance, ensuring my clients receive expert guidance and peace of mind. Let’s work together to protect your future and achieve your goals. I’m here to listen, advise, and support you every step of the way. Email Jasmine Abad Financial Adviser – Life & Health 027 357 8337 Bio Jasmine Abad started her financial advising career in 2020 in the Philippines during the pandemic and quickly became a Top Rookie nationwide . Her work was recognised by the Million Dollar Round Table (MDRT) , a global standard for high-performing financial advisers, and she also received a GAMA Global Bronze Award for her leadership and client impact. While in the Philippines, Jasmine led a team of financial advisers, supporting them to reach their goals while making sure clients received personalised, professional advice. Now in New Zealand, she continues her passion as a financial adviser , helping clients protect what matters most and achieve their financial goals with care and dedication. Jasmine holds a Bachelor of Science in Psychology and has extensive experience in client relationships, team leadership, and sales. She keeps up with industry developments to ensure her clients have access to informed, practical strategies. Outside of work, Jasmine is a proud mum of two beautiful daughters , enjoys travelling, exploring new experiences, and spending quality time with her supportive husband and family. For her, financial planning isn’t just about numbers, it’s about creating opportunities, protecting what’s important, and making a positive difference in people’s lives. Email Joricel Abad Financial Adviser – Life & Health 027 339 8530 Bio With two years of experience as a Financial Adviser in the Philippines, Joricel has had the privilege of helping many families secure their future through life and health protection. During his time there, he consistently ranked as a top adviser in his branch and received multiple awards for his performance, dedication, and service. Now based in New Zealand, he is committed to continuing that same advocacy, guiding individuals, families, and communities toward financial security and peace of mind. His mission is simple: to make insurance understandable, accessible, and tailored to what truly matters to each client. Whether someone is starting their financial journey or strengthening their existing plans, Joricel is dedicated to helping them protect their future with confidence. Email Don George Financial Adviser - Life & Health 022 325 0220 Bio Don George is a Financial Adviser based in Christchurch, specialising in Life, Health, Trauma, and Income Protection insurance. After building a successful career in business operations, Don transitioned into the insurance industry following real‑life experiences that highlighted the critical role financial protection plays in people’s lives. He holds a Graduate Diploma in Operations and Production Management (Level 7), along with a Certificate in Small Business and Project Management, and brings strong analytical thinking, structured planning, and strategic problem‑solving skills into his financial advisory role. Don firmly believes that insurance is about more than just policies—it’s about protecting families, dreams, and futures. He has completed the New Zealand Certificate in Financial Services (Level 5) – Life, Disability, and Health Insurance, further strengthening his ability to provide thoughtful, tailored advice to his clients. Outside of work, Don is happily settled in Christchurch with his wife Princy and their cheeky son Adam. Jessica Fenn Financial Adviser – General Insurance 06 358 3400 Ext 711 Bio Jessica recently joined our Futurisk General Insurance Team. She migrated from Austria only a few months ago and has 12 years of experience in the insurance branch. Now she started fresh as a Financial Adviser in New Zealand as she has completed her Level 5 New Zealand Certificate in Financial Services. She is eager to learn all about insurance in her new home and gain experience so she can give clients high quality advice in their best interest. In her free time, she likes to make use of the beautiful environment and goes out for nature activities. Email Marilyn Bardell Practice Manager 06 358 3400 ext 706 Bio With over 12 years of experience working in Insurance Brokerages, (9 of these with Futurisk), Marilyn brings a large amount of experience to the Administration team. She works within all of the Futurisk companies, looking after internal compliance & AMLCFT requirements among many other responsibilities. When not at work, she enjoys spending quality time with her animals & family. Email Savannah Clifton Broker Support 06 358 3400 Ext 713 Bio Savannah has recently joined our Palmerston North Fire & General Team; Savannah has a strong background in customer service and is excited to continue her learning in the insurance industry. Savannah brings with her a strong focus on customer service, high attention to detail and a willingness to do the right thing by her clients. Email Catherine Knight Administrator 06 358 3400 Ext 709 Bio Catherine is an experienced administrator with more than 20 years of expertise supporting teams, managing office operations, and delivering high quality support. Originally from Manchester in the UK, she moved t New Zealand a year ago and is enjoying building a new life here with her husband and two children. Catherine loves keeping things organised, supporting her team and helping the workplace run smoothly. She brings a positive attitude, strong communication skills, and a genuine team-focused approach to everything she does. Email Harsha Borse Administrator 06 358 3400 Ext 700 Bio Harsha is an experienced HR and Administration Professional with over 7 years of expertise in managing operations, employee support, and administrative coordination. She completed both her graduation and master’s degree in India, building a strong academic foundation in business and management. Harsha has been part of Futurisk Insurance for more than two years, where she handles New Business Applications, Policy Renewals, Cancellations, and various administrative responsibilities. Known for her organizational skills, attention to detail, and strong work ethic, Harsha plays a key role in ensuring efficient service delivery and smooth workflow across departments. She is committed to supporting both clients and internal teams through reliable, professional, and timely administrative support Outside of work, Harsha enjoys spending time with her family, gardening, and going on outings. Email Get in touch with our Manawatu team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Save money with mortgage refinancing options from Futurisk Insurance. Get better interest rates and reduce your mortgage burden in New Zealand. Refinance your Mortgage Our Solutions > Mortgages > Refinance > Looking for repayments that better suit your budget and lifestyle, or better interest rates? Refinancing your mortgage with the right bank and the right structure can help you save money, pay off your loan faster, and unlock equity to achieve your financial goals- whether it’s investing, renovating, or reducing debt. Refinance & Save. Unlock better rates today! Enquire Now Let’s turn your financial goals into reality - contact us today! Enquire Now Why Refinance with Us? Access competitive rates & lower repayments Reduce your loan term & save on interest Unlock home equity for future opportunities Expert friendly guidance - to help you find the best deal for your needs and make your life easier by letting us do the hard work, so you can enjoy your improved financial position knowing things are being sorted for you with the bank, or other financial provider. Let’s make your dream home a reality! Book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Freephone 0800 17 18 19

Explore career opportunities at Futurisk Insurance. Join our team and contribute to providing exceptional insurance services across New Zealand. A career with Futurisk Careers > At Futurisk, we work and grow as a team, together. We continually promote professional growth and development of our associates, advisers and employees by providing continuous training and support. Current Career Opportunities at Futurisk Job title Job description to appear in accordion drop down mode Job title Job description to appear in accordion drop down mode Job title Job description to appear in accordion drop down mode At Futurisk, our employees are our strength and hence when you join Futurisk, you will be looked after. Employee Benefits Why Futurisk Insurance? Apart from getting a competitive salary you will receive access to a range of benefits including: Freephone 0800 17 18 19 Loyalty Leave Additional one off-week loyalty leave after three years/six years/or nine years of continuous service to FUTURISK. Birthday Leave Paid leave on your birthday, each year. Bonus on Xmas $500 additional bonus to all employees. Return to work bonus 8 week's pay on return to work from parental leave (conditions apply) Company Car / Laptop / Mobile phone If you are employed in Sales and need to go out to see/meet clients, we will then provide you with a Company Car / Laptop / Mobile phone. Helping Community Paid day off to help in the community. An awesome culture We live by our core values and are big on celebrating success. Superannuation 5% contribution to your Kiwisaver. Insurance benefits 20% off on all domestic and private motor vehicle policies. Ongoing Learning and Professional Development (including CPD) We will cover all the costs involved in attending any PD days. Insurance Association We will pay all your membership fees towards the industry membership, e.g., FANZ or IBANZ Level 5 Education We will reimburse all the fees and levies in gaining Level 5 education. Study Leave At manager's discretion. Life, Trauma and Disability Insurance Free life, trauma and disability insurance (twice the amount of your annual salary - conditions apply) At Futurisk, we work and grow as a team, together. Get in touch to make an enquiry. Join our team Enquire Now

Seasonal Insurance Tip – Heading into the Cooler Months Seasonal Insurance Tip – Heading into the Cooler Months Contact Us Your One‑Minute Insurance Check Take a moment and ask yourself: Have I bought anything valuable in the last 12 months? Have rebuild or replacement costs increased since my policy began? If I needed to claim tomorrow, would my excess still be affordable? If you hesitated on any of these, it may be time for a quick review – give your Futurisk Financial Advisor a call. Small adjustments now can make a big difference later. Behind the Scenes: Why Clarity Matters As advisers, one of the most important aspects to our role isn’t the help we give at claims time; it’s doing the foundational work to ensure there are no surprises when that moment arrives. Understanding what isn’t covered is just as important as knowing what is. Insurance works best when expectations are clear from the start, allowing you to live each day with confidence rather than uncertainty. Contact your Futurisk Financial Advisor today and ask for a free, no obligation insurance review. Each year, as we move into autumn, we usually see a noticeable rise in home insurance claims, particularly those caused by burst pipes and unexpected water damage. The good news is that many of these claims are preventable. Something as simple as insulating outdoor taps or making sure gutters are clear of leaves and debris can make a powerful difference. A few minutes of preventative care today can save thousands in repairs tomorrow. After all, the easiest claim you’ll ever make is the one you never have to. The Most Common (and Costly) Mistake We See One issue continues to appear time and again: underinsurance, especially when it comes to contents cover. Over the past few years, building costs and replacement values have risen dramatically. What was adequate cover when your policy was set up may no longer reflect today’s reality. A quick review with your Futurisk Financial Adviser could be the difference between peace of mind and a stressful shortfall when you need support the most. 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

Ensure your business can withstand unexpected disruptions with business continuity insurance from Futurisk Insurance. Get expert coverage solutions in New Zealand. Business Continuity Insurance Our Solutions > Personal Insurance > Business Continuity > Business Continuity can protect your business from disruptions caused by sickness and injury. Business Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Business Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Business Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Most businesses protect their physical assets such as plant and equipment but may not protect human assets that are key to keeping their business running profitably. Business Continuity Insurance helps your business by providing monthly payments and support should a key person become disabled or unable to work due to ill-health. Offsets No offsets applied. Business Continuity Cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. 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

Nine Things to do to get Your Personal Finances in Order Nine Things to do to get Your Personal Finances in Order Contact Us 5. Set financial goals and save for them. Most people have dreams and goals. Problem is we don't plan a strategy to achieve them. Rather than saving for things like a new car or overseas trip, we go into debt to pay for them. Set goals, price how much those goals will cost, work out how much you need to save per month to save that amount, and go for it! 6. Protect what you've got. We all struggle with the "I" word = Insurance. If we never make a claim insurance can seem like money thrown away. Many people have fallen into a lifetime of debt because of inadequate insurance. Here's the general rule of thumb - anything you need but cannot afford to replace with cash if you lost it should be insured. This includes your ability to earn money. (Futurisk give free no-obligation insurance consultations; contact us to make an appointment). 7. Make a financial plan for retirement. People often ask, "When is the best time to save for retirement?" The answer is "now." There are two basic mistakes people make; the first is that they leave it too late to begin saving for their retirement. The second is that they assume their family home is an adequate investment for their retirement when it is only part of what they will actually require. A great way to save for retirement is through a workplace savings scheme, especially if your employer will make a contribution too. And, whatever your age, a great time to start is now. 8. Invest! Make your money work for you. There are many ways to invest other than property or the share market. We all need to determine which is best for us. Simply leaving money idle in the bank, however safe and secure it may be, is not maximising the earning potential of those savings. 9. Teach your kids about money. There is a definite lack in our school system as regards the teaching of basic personal financial management. Teach your children about budgeting, saving for things they want, how to write cheques and use internet banking, the true value of the things we buy etc. It'll pay off in the end - maybe they'll help you build a ‘granny-flat' on the back lawn of their mansion!! The team at Futurisk have three rules regarding personal finance: Spend less than you earn Pay off debt Don't go into debt This article expands on those rules - do these nine things and you need never worry about your finances again. 1. Know what you've got and work to increase it. A person's net worth is the value of everything they own minus everything they owe.In other words; assets minus debt. Many people do not know what their net worth is. Some would be surprised at how high it is, others shocked at how low it is. Set goals and plans that will enable you to increase your net worth. Decide on a figure that you would like to achieve in the next ten years and work out how you can achieve it. I think you might be surprised how much you could increase your net worth over a decade if you just start now and keep at it. 2. Budget! In New Zealand today the average person is spending 17% more than they earn, and that does NOT include mortgages (Dept of Statistics figure) - that means they are now adding to their net worth, they are going into greater debt. The reason people overspend is because they have not calculated how much money they are able to spend without going into debt. The answer is simple; do whatever you have do to ensure you spend less than you earn. Now, it's difficult to never go into debt but it must be avoided unless absolutely necessary. Borrow only what you absolutely need to, e.g. to buy a house. And, when you borrow money, make sure you know the true cost of borrowing that amount. Once interest payments and fees are added onto a purchase it can make for a very expensive item! 3. Pay off debt. This is one of the fundamental principles of good personal finance; pay off debt as quickly as possible. Start with the debt you're paying the highest interest on. This will usually be credit-card and hire purchase debt followed by personal loans and mortgage debt. Remember, the faster you repay debt the better off you are long-term because it is the interest payments that cripple us financially. Paying just the minimum repayments on your debt means you pay thousands of dollars in unnecessary interest. 4. Save for an emergency fund. The killer for the personal finances of many people comes when their washing machine dies or their car breaks down or some other unexpected crisis arises. With no savings we often go into debt that can that haunt us for a long time. Having savings equivalent to three month's income can overcome such an eventuality. NOTE: this is a good thing to do even if you are paying off a mortgage. However, if you have high-interest debt, pay that off first. 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

How to Navigate New Zealand’s Changing Investment Markets. How to Navigate New Zealand’s Changing Investment Markets. Contact Us Equity Market Outlook The NZX 50 index has had some ups and downs lately — you’ve probably noticed your KiwiSaver and other investments dipped slightly in the first quarter of this year. The outlook remains positive, however, and you will have also noticed that, in the past month or two, your investments have started to pick up again. With interest rates coming down, shares are becoming more attractive to investors, and company profits are expected to improve as the economy continues to recover later in 2025. This is good news for investors so keep your eye on your investments. Government Initiatives to Attract Investment A further encouragement for investors is the policies that the government has implemented to attract foreign investment. These include easing 'golden visa' requirements and positioning New Zealand as a 'safe harbour' for investors amidst global economic volatility and uncertainty. Globally, New Zealand is perceived as a socially cohesive, safe, and stable nation which has revitalised the economy and bolster investor confidence. Conclusion So, it’s true that recent shifts in New Zealand's investment markets have caused concern for many. However, the underlying economic indicators and proactive government policies suggest a trajectory towards recovery. At Futurisk, we advise investors to stay informed and, as is always the case with investment funds, maintain a long-term perspective, because the current financial environment presents numerous opportunities for growth and resilience. If you have any questions or concerns about your KiwiSaver or other investments, please give your Futurisk Financial Adviser a call. Caution, not panic is the key. New Zealand's investment markets have experienced notable shifts in the opening months of 2025. Many of these shifts have been as a result of overseas events which are out of our control, such as changes of governments, inter-nation conflicts and changes to international trading conditions. It’s natural that such changes will lead to some investor concern but there’s no need to panic. In fact, at Futurisk, we believe there are real reasons for cautious optimism. Economic Recovery Underway 2024 was a challenging year. Phrases like “looming recession” made many of us nervous and we watched with concern as our investment savings dipped a little. As we progress through 2025, however, the country’s economy is showing definite signs of recovery. In the fourth quarter of 2024, GDP grew by 0.7%, surpassing expectations, with projections indicating growth of 1.4% in 2025 and an acceleration to 2.7% in 2026. On top of this, the Reserve Bank reduced the Official Cash Rate to 3.75% with the aim of stimulating economic activity. 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

Top tips for keeping your house warm this winter Top tips for keeping your house warm this winter Contact Us Opening the curtains during the day is also a good idea. We often think that open curtains during daylight hour means losing all your precious heat during the day, but opening the curtains makes the most of the sun - the most effective and affordable heater known to man. Just make sure you remember to close them when the sun goes down. Closing unused rooms is another effective method to prevent your precious heat being wasted. If you're not intending to use certain rooms for the rest of the day, close the doors. That way your heat stays where you want it to be. Bear floor boards are a welcome invitation for the cold, and account for as much as 10 percent of heat loss. Wooden floors are the worst for leaking heat, but this can be prevented, or at least minimised, by placing rugs and blankets over the floor. This also has the added bonus of keeping your feet warmer too. If you're keen to know how you can further prevent heat loss in your home, get up and walk around on a cold evening. Are there drafts coming from outside? From beneath doors? From between the floorboards? Have a think about what you could do to keep your house warmer this winter without splashing the cash! Reference NZFSG Keeping your house warm over winter can be hard. It can cost a small fortune to generate enough heat to get your house warm, and then there are so many ways for cold air to take its place. Luckily there are some affordable and simple ways to keep your house warm this winter that don't require a big budget or a degree in rocket science. Thick curtains are great for trapping your heat inside, and curtains with thermal lining are even better. But if you have only got standard curtains in the house, there are a couple of tricks you can use to maximize their heat retention. Thermal lining can be expensive, but other materials, such as cheap fleece, can be almost as effective. Just line the backs of your curtains with some fleece from your local fabric shop, and you'll be able to see the difference. In fact, you can even use an old PVC shower curtain to do the same thing. And it's not just the windows that need to be covered. Doors are notorious for leaking heat, so putting a curtain over your door might be a good idea too. And why not put a rug or folded towel at the foot of the door to stop your precious heat leaving the room. 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