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.

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. Thank you for Getting in Touch We appreciate you taking the time to contact us. Your message has been received, and a member of our team will get back to you as soon as possible. In the meantime, feel free to explore our website to learn more about how Futurisk can help you secure your future. Freephone 0800 17 18 19

Access flexible personal and vehicle loan options with Futurisk Insurance. Achieve your financial goals with our customised financing solutions in New Zealand. Personal & Vehicle Loans Our Solutions > Mortgages > Personal and Vehicle Loans > Personal Loans Enquire Now Secure your personal loan with confidence! Need financial flexibility for unexpected expenses, home renovations, or consolidating debt? We offer personal loans with competitive rates and flexible repayment terms to suit your needs. Whether you're funding a special project, covering medical costs, or achieving personal goals, we're here to help you access the funds you need. With a simple and fast application process, you can get the support you need with ease and peace of mind. Vehicle Loans Enquire Now Get the support you need and 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 Finance your next vehicle with ease! Looking for a new or used vehicle? Whether you're purchasing a car, van, electric vehicle (EV), motorbike, boat, caravan, or motorhome, we’re here to help you secure the financing you need. We offer flexible terms and competitive rates, giving you the confidence to drive away in the vehicle of your choice. Let us guide you through the process with ease, so you can enjoy your new ride sooner!

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 enquiries@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

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

Buying your first home? Get expert advice and mortgage solutions for first-time buyers with Futurisk Insurance. Start your homeownership journey today. First Home Buyer Our Solutions > Mortgages > First Home Buyer > Ready to buy your first home but unsure where to start? Whether you're a local buyer or a new migrant settling into a fresh start, we’re here to make your journey smooth, affordable, and stress-free. First Home Buyer? Make Your Dream Home a Reality! Enquire Now Let’s turn your financial goals into reality - contact us today! Enquire Now How we can help Tailored financing options with low deposits and flexible terms Great interest rates to make homeownership more affordable Expert guidance from pre-approval to securing the best loan Support for migrants navigating the home-buying process in New Zealand. No matter your background, we’re committed to helping you find the perfect home and making your first step into homeownership easy and achievable. Let’s make your dream a 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

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

Six Things Your Bank Will Never Tell You Six Things Your Bank Will Never Tell You Contact Us 4. Bouncing cheques are good for your bank’s business as long as you don’t write too many. Providing there’s no fraud involved, your bank earns big bucks every time a cheque bounces. Not only do they sock you with a fee for the bounced cheque, you'll pay a higher rate of interest if you go over your agreed overdraft. 5. You can pay your entire credit card bill by setting up a direct debit like you do with your power or phone. Banks don’t actively encourage customers to do this. Why should they? They can’t earn interest on your credit card if you pay it off each month. For the bank, the best credit card is one that has money owing on it. 6. Bank advice may be self-interested. Sometimes, when you use your credit card to book overseas travel-related items,you will be charged interest immediately; e.g. if you use your card to book a hotel room for a trip you are to take three months' time, you may be charged interest from the time of booking rather than the time of staying in the hotel. In a similar way, if you rent a car overseas the trader ma reserve an amount of credit to secure their payment or to cover any possible damage to the car etc. That means, you may find when you use the card it has less credit on it than you expected despite you having actually bought anything. Most people know nothing about the lodging security until it's too late. If you are travelling overseas with your credit card, or using it overseas with your credit card, or using it overseas from within New Zealand, it pays to find out first, what the various conditions of use are. So, these are Futurisk's six credit card traps. One thing we cannot stress enough- avoid credit card debt. What if I'm already in debt? If you find yourself struggling with debt right now, contact the team at Futurisk. We may be able to restructure your debt in a way that savs you hundreds, even thousands of dollars. This information is adapted from Consumer Magazine (January/February 2006, Issue 455, Page 23). There’s something every person who uses a bank needs to understand—a bank is a business. It exists to make a profit and it does that by maximising the use of your hard-earned cash. Knowing how they do that could save you money. Here are six things your bank will never tell you: 1. Your bank wants you to overspend and stay in debt. That may sound a little harsh, but that is the simple reality. You see, banks make money from people who are in debt. In fact, if you are $250,000 in debt you are a better customer for a bank than a person with $30,000 cash in their savings account. The more you spend the more interest the bank earns from you. And, if you’re prone to cheques bouncing, or if you don't pay your credit card bill off in full every month, then you are the bank’s best-friend. 2. A bank’s review of your account is really a sales pitch. The bank is thinking of its bottom line, not yours. If you’re offered a review of your finances or get a call from your “personal banker,” then chances are they want to sell you a new product—usually insurance. It could be that the product on offer is good value, but ask yourself two questions: Do I need the product at all? And, is the bank’s product better than the one I already have or can get elsewhere? 3. Banks prefer to keep their savings-rate changes under wraps. When banks advertise new accounts with flash savings rates, they do so to attract new customers. The banks can’t afford to put their existing customers on these new high-flying rates and they often don't tell you about them. That’s why it pays to ask. 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

Car Insurance hiccups Car Insurance hiccups Contact Us 3. Taking your vehicle off-road Most would assume this rule doesn't apply to them – when was the last time you took your hatchback 4-wheel driving? However, off-road doesn't just mean doing jumps and doughnuts in the mud. If you try to do a U-turn in a paddock and a stampede of cows damages your car, that’s counted as driving off-road. If you park on the beach and your car gets damaged, that’s also counted as off-road, and is all the insurer needs to decline your claim. 4. Driving in unroadworthy conditions If you have an accident and upon assessment your tyres are declared to have had insufficient thread, your claim can be denied. It doesn't matter if you have a Warrant of Fitness, or if bald tyres had nothing to do with your accident. 5. Driving recklessly Burnouts and hand-brakies are a favourite past-time of many young folk these days, but attempting to do a manoeuvre in a car that goes wrong is means to have your claim declined almost immediately. There are a number of key things to remember when driving a car: always put on your seat belt, give way to traffic on the right, and make sure you've read the fine print of your insurance policy documents. These days you’d have to be pretty foolish to drive around without insurance. Damaging your car, or even worse, someone else’s, without insurance is a fast-track to debt. But something so many drivers forget is that even having insurance is not always a get-out-of-jail-free card. Your insurance policy will have so many special clauses and exclusions to give your insurer all they need to deny your claims, and put you out of pocket. Here are a few key exclusions to remember. 1. Breaching license conditions If you’re on a restricted license, and you have an accident while illegally carrying a passenger, your insurance claim can be declined. Even though your passenger had nothing to do with the accident, it still gives your insurer all they need to decline your claim. 2. Not securing your vehicle If your vehicle gets stolen, but you’d left the door unlocked or the window down, that’s another reason to have your claim declined. This one can get a bit tricky because there’s often nothing for the insurer to go on other than your word, so you could say it was locked – but that wouldn't be honest. 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 loved ones are financially protected with our customisable life insurance policies. Explore options with Futurisk Insurance in New Zealand. Life Insurance Our Solutions > Personal Insurance > Life Insurance > A plan that takes care of your loved ones when life doesn't go to plan. Life Insurance Enquire Now Types of Life Insurance Lump Sum – can be used to settle debts, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured, or provide an inheritance or donation, amongst other things. Monthly Payment – Designed to minimise impact on the lifestyle of your family after your death through a monthly payment. Benefits of Life Insurance Lump Sum Payment Worldwide Cover No Expiry Age What can it cover? Life Insurance pays a lump sum (or a fixed monthly amount) if you die as a result of either accident or illness, or upon diagnosis of terminal illness likely to result in death within 12 months. Having Life Cover in place will ensure that your debt and funeral costs are covered so that your family or your business are able to carry-on after your death. Life Insurance helps you minimise the financial impact of death or terminal illness for you and your family, and gives you peace of mind that you can provide security for a wide range of financial commitments. Fixing Life Insurance Premiums You can fix your life insurance premiums. There are several options available, with different premium structures including: Yearly Stepped – Your premium are based on your current age and sum insured. They start out relatively low, but will increase each year with age. Level Term – Premiums are fixed for the life of the policy. At the start they will be more expensive compared to yearly stepped. But in the end you may be better off as yearly stepped premiums keep increasing. Chat to one of your local advisers today to organise a personalised Life Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

How important is third party car insurance How important is third party car insurance Contact Us Should third party car insurance be compulsory? The Government seems to be weakening on this issue. Some politicians are saying they want to see compulsory third party insurance on cars, and most New Zealanders agree with them. What many people don't realise is how inexpensive third-party insurance can be to buy and how expensive having no insurance can be in the event of an accident. I think our family's story should be a warning to every car owner; you may think you'll never have an accident of any sort, but they happen, and when they do, they can be very expensive. Insure your car and avoid debt! If you have a vehicle, insurance is vital. Remember, when you insure something such as a car, it is not the car you are insuring. You are insuring yourself so that, if you cause damage with that car you will not be placed under the pressure of a debt you may never be able to escape from. Vehicle insurance is not about insuring your car - it's about insuring yourself against a lifetime of debt! If you are uninsured because you find it too expensive, phone an insurer and ask for a third-party insurance quote - it's worth it for your own peace of mind. For years people have been writing letters to the editors of newspapers and phoning talkback saying that third party car insurance should be compulsory. We're not going to go into answering that question here, but one thing we do know for sure; if you're driving your car without at least third party insurance, you are crazy!! A lesson learned Let me tell you a story about our youngest daughter's most horrifying moment. We had an old blue Corolla. Three children had learned to drive in it and they were pretty good drivers. It was an old car, but it was a good car. Mechanically, it went well and there was very little evidence of rust. One day our daughter came home, parked the car in the drive and went inside. Minutes later, she heard a crash. She'd forgotten to put the handbrake on! The car had rolled backwards and into our neighbour's house. Amazingly, there was very little damage to the car. However, the house didn't fare so well. The car was now sitting in the front bedroom. The cost to repair the house was $27,000! As I talked with our daughter about this I pointed out, "If you didn't have insurance, you would be paying that off at $100 a week for the next five years." What is third party car insurance? Third party car insurance is insurance you take out to repair or replace any damage you do with your vehicle, it doesn't cover damage to your own vehicle. There are two types of third-party insurance; Basic third party insurance insures the damage you may cause to another person's vehicle or property with the insured car. Third-party fire and theft is slightly more expensive and insures damage to other vehicles, and to yours if your car if it is damaged by fire or stolen. So, while your car isn't covered, any damage your car causes is. That makes third party car insurance ideal for cheaper cars. The Corolla I told you about was only worth $1,000. To insure it was going to be about $500 a year because of the age of our children. Third party insurance, however, was only $150 a year - and it was worth every cent for our family. 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