Navigate the home loan process with ease. Futurisk Insurance provides expert mortgage brokerage services, helping you secure the best mortgage options in New Zealand. Mortgage options with Futurisk Our Solutions > Mortgages > How we can help First Home Buyer Expert advice to help you secure your first home with confidence. Kāinga Ora 5% Deposit Take advantage of government-backed support to make homeownership more accessible. Refinance Find better rates and terms to save money on your existing mortgage. Personal Loan Flexible financing options tailored to your unique needs. Vehicle Loan Drive away with competitive loan options for your next car. Let’s turn your financial goals into reality - contact us today! Enquire Now Why choose Futurisk? Your trusted Mortgage partner At Futurisk, we understand that buying a home - especially as a migrant or first-home buyer - can feel overwhelming. That’s why we’re here to make the process easy, stress-free, and affordable for you! Expert Guidance You Can Rely On We work with multiple lenders to provide honest, unbiased advice tailored to your needs. Our deep understanding of bank requirements means we help you get approved faster and with ease. Save Time and Skip the Stress No more confusing paperwork or endless back-and-forth! We manage the entire process - from applications to negotiations - to ensure your journey to home ownership is smooth and hassle-free. A Smooth & Supportive Journey Navigating the mortgage process especially as a migrant or first-home buyer - can feel overwhelming. That’s why we handle everything - research, paperwork, and communication - so you can focus on finding your perfect home with confidence. We Work for YOU, NOT the Banks Think of us as your personal mortgage advocate - securing the best rates, flexible terms, and a faster approval process to get you into your new home sooner. Our Service is 100% Free for You! That’s right - our expert advice comes at no cost to you! We’re paid by banks and lenders, so you get professional guidance without paying a cent. Making Home ownership & Financial Freedom a Reality! Whether you’re buying your first home, renovating, refinancing, or investing, we’re here to guide you every step of the way. Mortgage solutions Mortgages Kāinga Ora 5% Deposit First Home Personal Loan/Vehicle Loan Refinance Debt Management Personalized Advice – Tailored mortgage solutions to suit your financial goals. Expert Guidance – Helping first-home buyers, migrants, and investors navigate the lending process. Access to the Best Deals – We work with top lenders to find competitive rates and flexible terms. Hassle-Free Process – From pre-approval to settlement, we make the journey smooth and stress-free. Meet our expert Mortgage Advisers! Buying your first home, refinancing, or investing? Our experienced mortgage advisers are here to guide you every step of the way! With in-depth knowledge of the mortgage market and a passion for helping clients achieve their homeownership dreams, our team provides: 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 Feeling overwhelmed by mortgages? If your loan application was declined or negotiating with banks feels stressful, don’t settle for less. At Futurisk, we make homeownership easier! Easy & Hassle-Free Mortgages, turning your dream home into reality! Our Partners

See what our clients have to say about Futurisk Insurance. Read customer feedback on our insurance and mortgage solutions. Client Feedback Reviews > At Futurisk, you’re not a number to us, you become a friend. We get to know you and your circumstances and support you whenever you need us. Clear Guidance and Outstanding Support Thank you for your excellent support throughout our mortgage process. We really appreciated how clearly you explained everything, your quick responses, and your genuine commitment to helping us make the right decisions. We happily recommend your services to others. I have attached some photos as well. Thank you again. Clyde and Kath Life is sacred 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 Auckland Best available plan 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 Made the process easy 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 See more reviews Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Looking for a Kāinga Ora-backed home loan? Futurisk Insurance helps you navigate the process and secure government-supported mortgage options. Kāinga Ora 5% Deposit Our Solutions > Mortgages > Kāinga Ora 5% Deposit > Struggling with a deposit? With Kāinga Ora’s First Home Loan support, eligible buyers- including migrants and first-home buyers- can step into homeownership with as little as a 5% deposit! Your First Home is closer than you think! Enquire Now Let’s turn your financial goals into reality - contact us today! Enquire Now Step into homeownership with as little as a 5% deposit Low deposit? No problem! No need for a huge upfront investment. Designed for first-home buyers & migrants -making homeownership more accessible than ever. We guide you every step of the way - from application to approval. Don’t let a high deposit hold you back- let’s turn your homeownership dream into reality! 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

Futurisk Insurance offers expert insurance and mortgage solutions for Kāpiti residents. Get personalised financial advice today. Futurisk Kāpiti Our Solutions > Kāpiti > We are your local Kāpiti 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 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Ōtaki PO Box 134, Ōtaki 5542 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 Kāpiti Team Based in Ōtaki, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". To us, you're not just a policy number, you're our valued client. 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. Our Principal Adviser, Rex Duckett began his journey in the financial services industry in 1989. Rex started out with two phonebooks, an Insurance Rate book, and an idea. With these 3 books and a lot of hard work and late nights, he built a successful business and friendships that would last a lifetime. After so many years in the industry and two office locations, Ōtaki and Levin, Rex decided to amalgamate with Joe Singh from Futurisk Insurance Ltd and they have created a new and improved company, Futurisk Insurance (Kāpiti) Ltd. Rex is happy to align his business with Futurisk and be a part of an expanded and growing team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by a friendly administration team. Futurisks 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 wellbeing. By aligning these businesses, it has allowed us to utilise the strong alliances we have formed over time with various insurance providers and giving us access to new providers already working with Joe, this helps give 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 as efficiently as possible. Our Kāpiti Office Meet our Kāpiti 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. Rex Duckett Principal Adviser 027 444 2733 Bio Rex has been in the insurance industry since 1989, 34 years! He has always been an adviser and has seen many changes over the years, most recently the introduction of new qualifications for licensing. He has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances. Rex enjoys V8s and has been drag racing for the last 22 years, his personal best is a 6 second ¼ mile at 205mph. He enjoys spending time with the growing family when he is not racing or hot rodding. FSP103124 - (Financial Services Provider Number) Email Becky Spiller Financial Adviser and Executive Manager 0800 367 467 ext 2 Bio Becky has worked in the insurance industry for over 12 years in an administration and management role, she primarily works with the personal risk clients, assisting with underwriting, quoting existing business and claims. She has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances and Investments. Becky and her husband have one daughter, currently completing her Masters at Victoria University. Becky enjoys camping, fishing and spending time with her friends and family. Email Monique Duckett Financial Adviser and Finance Manager 0800 367 467 ext 1 Bio I have been in the industry for 25 years and have a good understanding of all the facets of this industry. I have Level 5 in Financial Services. I am currently working in the Otaki office alongside my husband Rex in the finance side of the general department. Email Marjie Pacan General Administrator 0800 367 467 ext 5 Bio Marjie emigrated to New Zealand from Poland in 2010 after living in England for 10 years, working a range of jobs including nursing and hospitality. Since emigrating to New Zealand she has worked in administration, early childhood centre and continues working as senior barista. Marjie has been in the insurance industry for 2 years as a receptionist and general administrator Outside of work I enjoy, hiking, cycling, throwing glamorous parties, flower arrangements and spending time with my two gorgeous children and greyhound. Email Deb Greaves Claims Administrator 0800 367 467 ext 4 Bio Deborah has mainly worked in hospitality from hotel management, conference administration, hospitality supplies, front of house and a wide range of other admin jobs. She loves spending time with her adult daughters. Deborah and her husband Kelvin enjoy travelling in their caravan with their fur baby Bonnie. When not travelling she enjoys gardening, reading and going out for brunch and trying out different restaurants. Email Mallery Henderson General Administrator 0800 367 467 Bio I have worked in various roles including customer service, marketing, and office management as well as volunteering for charities that support families when my family and hobbies leave me enough time. I’m a mum of 3, my hobbies include Roller Derby Officiating (national and international), Cross stitch and sewing. Email Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch 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

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

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 John Ricky Mercado Financial Adviser 06 358 3400 ext 716 Bio With over 5 years of expertise, John Ricky Mercado is a devoted insurance professional. He has a Master of Business Administration and a Postgraduate Diploma in Contemporary International Studies, which gives him an in-depth awareness of the beauty of insurance. John is really committed to using his knowledge and expertise to provide valuable financial advice to people from all walks of life. His profession is driven by a firm belief in the importance of financial security for all. Email Stacey Nevin Financial Adviser – Life and Health plus Investments 06 358 3400 Bio Stacey recently migrated to New Zealand from South Africa in 2023. She has extensive knowledge and experience in all aspects of financial planning spanning over 20 years and holds a Post Graduate Diploma in Financial Planning Law (NQF8). She has also completed her New Zealand Certificate in Financial Services and specialises in insurances and investments. Stacey believes that by empowering people to understanding their financial journey can lead to successful lives for all individuals and their families, businesses and communities. She is passionate about helping people achieve their financial goals and will always have your best interests at heart. Stacey and her family enjoy outdoor adventures and water activities, and you would normally find her out exploring the beautiful landscapes and creating memories. Email Reina Relorcasa Financial Adviser – Life and Health 06 358 3400 Bio With over 5 years of experience in the life insurance industry across the Philippines and Dubai, Reina Relorcasa has developed a deep expertise in financial planning and client care. Her diverse background has brought her to New Zealand where she continues her dedication to helping individuals, breadwinners and families achieve financial security as a trusted financial adviser. For Reina, this work is not just a profession, but a calling—an advocacy to educate every individual, breadwinner, and family on how life insurance works and the profound impact it can have on securing their futures. Reina’s passion lies in helping others understand the beauty of life insurance, empowering them to protect their loved ones and ensure financial stability, especially in times of hardship. For her, this is more than a career—it's a heartfelt mission to give dignity to the futures of future widows and orphans. 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 Mary Ann Baldo Financial Adviser – Life & Health 021 593 886 Bio Mary Ann Baldo is an accredited insurance adviser with completed qualifications in the New Zealand Certificate in Financial Services (Level 5) – Insurance and Mortgage . She brings extensive experience in client service, operations, and leadership across multiple industries and countries. Mary Ann began her career in beekeeping, working in the Philippines, Canada, and New Zealand before settling permanently in NZ in 2013. She later managed a VIP Home Cleaning franchise and trained her team to operate independently. She is also an active community leader , deeply engaged in helping migrant families settle, grow, and feel supported. Mary Ann completed a Bachelor of Science in Criminology , which strengthens her understanding of human behaviour, communication, and cultural diversity—skills she uses daily when working with clients across New Zealand’s multicultural communities. Mary Ann is now a fully accredited insurance adviser , committed to providing genuine, client-focused advice that helps individuals and families protect their financial wellbeing. 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 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

Learn about Futurisk Insurance, your trusted insurance and mortgage advisors in New Zealand. Discover our commitment to providing personalised and comprehensive financial solutions. About Futurisk About Us > At Futurisk, we’re trusted Advisers with over 30 years of experience looking after New Zealand households and businesses About Futurisk Based in Manawatu, Waikato & Kāpiti, 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. Why Futurisk Insurance? At Futurisk, we understand how difficult the insurance industry can be to navigate, and how hard it is to choose the right insurance plan that covers you, your family and your business. That's why we will work with you by making it simple and easy for you to find a great insurance plan. We also know how important it is for you to have security. That’s why Futurisk are here to make it simple and easy for you to find a good insurance plan. From simple enquiries, applications, claims and any other questions, it’s all covered by one phone call or email to your personal accredited financial adviser. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you only have to make one call. Contact Futurisk Insurance, and we’ll do all the hard yards for you. Specialising in Life & Health Insurance, Business Insurance, Mortgages and General Insurance. 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 Our Company Profile Futurisk Insurance Limited was founded in 2011, originally known as Allied Financial Services by Joe Singh. 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 Managers (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. In 2016 Futurisk General Insurance was formed to provide specialised advice in Domestic Insurance (e.g. House, Car, Contents) & Commercial Insurance (e.g. Public Liability, Material Damage & Business Interruption) In 2020 Mark Henderson , after 17 years’ of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Waikato) Ltd to combine resources and provide better service to existing clients (from Marlin Solutions) and new clients around the greater Waikato area (including Auckland & the Bay of Plenty) In 2023 Rex Duckett, with over 34 years of experience in the industry, joined forces with Futurisk and established Futurisk Insurance (Kapiti) Ltd to combine resources and provide better service to existing clients (from Inpro Group) and new clients around the greater Kapiti area. Overall, our dedicated team support one another, learn together and share each other’s success! We have high standards of achievements and have commitment to the company. To keep our Advisers well informed, they receive continuous education for new products that come up onto the market place, we hold regular team meetings, extensive trainings and outings. We value excellence and deliver way beyond client’s expectations. Our Values, Ethics, Morals and Integrity here at Futurisk are the most important factors of our business. Futurisk Insurance Limited, Futurisk Kāpiti, Futurisk Waikato and Futurisk General Insurance are independent Financial Services Providers, which means we work for the client and can explore many different options from a range of Insurance & Mortgage providers to provide the best possible cover for the individual needs of our clients. Our Mission and Vision Statement Our Mission Statement At Futurisk we are on a mission to: Provide quality insurance and mortgage solutions to our clients by offering our technical expertise and exceptional service Continually promote professional growth and development of our associates, advisers and employees by providing continuous training and support. Helping Futurisk staff to develop to their maximum potential allows them to offer you top-quality service for your mortgage and insurance needs. Develop and maintain good relationships with insurance providers who offer clients extra financial stability, full-service capability, and competitive products. Be your ‘one stop shop’ for all Insurance and Mortgage solutions by providing a service that is friendly, approachable and easy to work with. Futurisk are fostering friendly relationships with our clientele and establishing partnership with stakeholders (e.g. business sectors, NGO) and the community in general Together we can plan for strong, healthy, independent futures Our Vision Statement Futurisk Insurance have a vision for the future that includes you. Our vision is to help clients manage and understand risk factors in their lives and provide tailored strategies to minimize the impact of those risks. We will help you with your business or personal insurance, and mortgage solutions in a genuine and trustworthy manner. You can count on us today, tomorrow, together… Our Approach Quite simply, we work with you and for you!! What we can do for you 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. You won’t need to spend hours searching for the right insurance company to get the right plan. In fact, you can create your own ideal plan right here or contact Futurisk Insurance, and we’ll do all the hard yards for you.

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

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

Find the best insurance and mortgage solutions in Waikato with Futurisk Insurance. Expert financial guidance for individuals and businesses. Futurisk Waikato Our Solutions > Waikato > We are your local Manawatu advisors 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 7 929 2296 enquirieswaikato@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 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 Waikato Team At Futurisk Waikato our mission is to spend time getting to understand you and your financial goals so we can provide you personalised advice which is appropriate for your circumstances and needs. The Principal Adviser, Mark Henderson started in the financial services industry in 2003 as an Insurance Adviser and in 2005 became a consultant with Mortgage Solutions and Financial Services Ltd. In 2010 Mark helped develop the “M-Power” debt management service with Fortifi Financial Solutions and in 2013 he started his own company, Marlin Solutions Ltd. Marlin Solutions provided a range of financial services such as Insurance, Mortgages & Debt Management. In 2020 Mark and Marlin Solutions joined forces with Joe Singh from Futurisk Insurance Limited and they started a new company, Futurisk Insurance (Waikato) Ltd, trading as Futurisk Waikato. Futurisk Waikato are now able to provide expert advice on a wider range of financial services including Domestic Insurance, Commercial Insurance and other General Insurances. Futurisk Waikato also offers our specialised ABF Money Management Service to help kiwis take control of their finances and become debt free faster, saving thousands of dollars in interest payments. Our Waikato Office Meet our Waikato 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. 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 Alaa Al Hassan Financial Adviser – Life & Health 027 244 5662 Bio Alaa is a Financial Adviser specialising in personal risk insurance, including life, health, trauma, income protection and accident cover. With nearly 20 years of experience in the insurance industry, including extensive work in the UAE, Alaa brings a wealth of knowledge and passion for helping clients protect what matters most — their health and financial security. Now based in Hamilton, with his wife and 2 children, Alaa holds the Level 5 Certificate in Financial Services and is dedicated to supporting individuals and families across the Waikato. Outside of work, Alaa enjoys playing basketball and spending time with his family. 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

Payment Alternatives Payments > Credit Card Pay your insurance online with a Visa or MasterCard. A convenience fee of 2.7% of the total amount + NZ$0.30 will be applied. We do not receive any income from the convenience fee. Please note: You will need your Policy Number and Transaction Reference Number. It is displayed on your invoice. Pay Now Debit Card Pay your insurance online with a Visa or MasterCard. A convenience fee of 2.7% of the total amount + NZ$0.30 will be applied. We do not receive any income from the convenience fee. Please note: You will need your Policy Number and Transaction Reference Number. It is displayed on your invoice Pay Now Bank Transfer Please don't hesitate to reach out to us at +64 0800 17 18 19, and we'll be delighted to assist you in establishing a bank payment direct debit.