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

Grow your wealth with KiwiSaver investment options tailored to your financial goals. Get expert advice on retirement planning with Futurisk Insurance. Kiwisaver/Investment options with Futurisk Our Solutions > Kiwisaver/Investments > Feeling uncertain about investing? Not sure where to start or which option suits you best? At Futurisk, we make investing easy with expert guidance on KiwiSaver, Managed Funds, Term Deposits, and more - helping you grow and protect your wealth for the future! Smart Investing Made Simple - Secure Your Financial Future with Confidence! Managed Funds Managed Funds offer a flexible way to invest in a professionally managed portfolio of assets, including stocks, bonds, and property . With our qualified Investment Advisers, you can: Invest in a diversified portfolio tailored to your risk appetite and financial goals. Enjoy hands-free investment management , where experts handle the decision-making for you Choose from different fund types, from low-risk conservative funds to high-growth funds for better returns. Kiwisaver KiwiSaver is a long-term savings scheme designed to help New Zealanders save for retirement or their first home. We provide expert advice on how KiwiSaver works, its benefits, and how to maximize your contributions. Our team will help you: Choose the right KiwiSaver provider and fund that aligns with your risk profile and financial goals. Understand government contributions and employer benefits to get the most out of your savings. Determine whether you qualify for KiwiSaver first-home withdrawal and other incentives. Term Deposits Term Deposits – Building wealth isn’t just about where you put your money - it’s about having a clear financial plan. Our investment planning services help you: Identify the best investment options based on your income, expenses, and future goals. Create a personalized investment strategy that balances risk and reward. Continuously monitor and adjust your investments to keep you on track toward financial independence. Retirement Savings Secure Your Future with Confidence! Planning for retirement is crucial to ensure you maintain your desired lifestyle in the future. We help you:
 Calculate how much you'll need for retirement and create a customized savings plan. Invest in long-term solutions that provide stable income streams for retirement. Make smart decisions today so you can enjoy financial security when you stop working. Find out more Find out more No matter where you are in your financial journey, Futurisk is here to guide you in making informed decisions and reaching your goals. Start Your Investment Journey Today! Enquire Now 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 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 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 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 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 Freephone 0800 17 18 19 Here’s how we can support your financial journey: KiwiSaver Grow your retirement savings with expert advice on selecting the right fund for your needs. Futurisk can provide you with information on how Kiwisaver will benefit you with your retirement savings or saving to buy your first home, and help you to decide which fund is most suitable for you Managed Funds Diversify your portfolio with professionally managed investments designed to maximize returns. Our qualified Investment Advisers can help you to achieve your savings goals buy choosing the right funds to invest your money in, based on your Investor Profile. Term Deposits Enjoy stable and secure growth with fixed-term investments offering competitive interest rates. Enjoy stable, low-risk growth with fixed-term investments that offer competitive interest rates. Whether you're looking for short-term security or long-term stability, we help you find the best term deposit options that align with your financial plans. Investment Planning Customized strategies to help you build wealth and achieve your financial goals. We assess your financial situation, risk appetite, and long-term goals to create an investment plan that helps you achieve financial independence with confidence. Retirement Savings Secure your future with tailored investment solutions that align with your lifestyle and aspirations. We help you develop a savings plan that ensures you have the funds to maintain your desired lifestyle when you retire. Why choose Futurisk? Your trusted investment partner At Futurisk, we know that growing your wealth can feel overwhelming - especially with so many options like KiwiSaver, Managed Funds, and Term Deposits. That’s why we’re here to guide you every step of the way, making investing simple, strategic, and stress-free. Expert Guidance for Smarter Investments We provide honest, unbiased advice tailored to your financial goals. Whether you're planning for retirement, building savings, or growing your portfolio, we help you make informed and confident investment decisions. Save Time & Maximize Returns No more guesswork! We help you navigate the investment landscape, ensuring your money is working harder for you with the right strategies and opportunities. A Secure & Future-Focused Approach Investing should be safe, smart, and sustainable. We focus on long-term growth and financial security, giving you peace of mind for the future. As independent advisers, we’re committed to finding the best investment solutions that fit your needs - not what benefits financial institutions. Start Investing with Confidence! Let’s build your financial future together. Let us help you take control of your financial future. Get in touch today! Enquire Now Our Partners Personalized Investment Strategies – Tailored solutions to align with your risk tolerance and long-term goals. Expert Financial Guidance – Whether you're a first-time investor or looking to diversify, we provide insights to make informed decisions. Access to Top Investment Options – We connect you with KiwiSaver, Managed Funds, Term Deposits, and other opportunities to maximize returns. A Seamless, Stress-Free Experience – From planning to execution, we simplify the investment process so you can build your future with confidence. Meet our expert Investment Advisers! Looking to grow your wealth, plan for retirement, or invest wisely? Our experienced investment advisers are here to guide you every step of the way! With deep expertise in financial markets and a commitment to helping clients achieve financial security and growth, our team offers:

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

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

How to know if a reverse mortgage is for you How to know if a reverse mortgage is for you Contact Us So, is it a good idea for me to take out a Reverse Mortgage? This is a decision only you can make. There are, however, a few things you need to consider; Is there some other way to raise the cash you require? Reverse Mortgages are expensive. If the amount of cash required is small such a loan is not worth the cost of the setup fees etc. Even for a larger amount of money, it makes better financial sense, if you can afford the repayments, to take out a standard mortgage or personal loan, or free up cash by downsizing your home. Find out how portable the loan will be; i.e. if you move home do you have to immediately repay the loan, or can you attach it to your next home? Before entering into a Reverse Mortgage (Home Equity Release Mortgage) make sure you seriously consider the effect it may have on your future, especially as regards any move you may wish to make and the capital you'll need to make that move. Also consider how important it is for you to be able to leave something to your children in respect of an inheritance of some sort. Some companies offer what is known as a no-negative-equity guarantee which is exactly what is says; a guarantee that ensures that when you sell your home, if you receive less for the home than the value of the outstanding loan, neither you nor your estate will have to make up the shortfall. Get professional advice in this regard if you need it. Shop around for a good deal. Make sure you read the contract well and understand exactly what the deal you're offered really means before you sign anything. If you're on the pension (and Reverse Mortgage recipients usually are) make sure that receiving funds such as these do not jeopardise the receipt of your benefit. The Bottom-line: Reverse Mortgages are not a bad idea, but neither are they necessarily a great idea. If you have an urgent need for cash, e.g. for a surgical operation or the like, then a loan like this can be perfect for your needs. However, make sure you understand the drawbacks. They are expensive, and much of the expense is invisible. That is, it is in the form of interest repayments which are constantly growing without you realising it. Also, if you have no family and no one you want to leave your home to you may as well spend your money before you go! In that case, a Reverse Mortgage may be perfect for you. However, if you have family or others you are hoping to leave a nest-egg to, beware. If you have a need for some extra cash, perhaps a better scheme would be for those who you're wanting to leave money to, to take out a loan on your behalf. That way it's like they're making an investment in a property that should increase in value over time. For more information on home loans, refinancing your loan, or interest rates, contact the team at Futurisk, enquiries@futurisk.co.nz . You've probably heard of a Reverse Mortgage, sometimes called a Home Equity Mortgage. With our aging population, they are becoming more common. Reverse Mortgages can be a good way to free-up money to spend on things you want - provided you're aware of the many pitfalls. What is a Reverse Mortgage? A Reverse Mortgage enables you to borrow money against the equity you have in your home, up to a proportion of the value of that property.Repayments on the loan are made when you leave the property; that is often when a person sells, moves into a retirement home, or dies. How much can I borrow? The lender will calculate the maximum amount you can borrow according to your age and the value of your home. If you're aged between 60 and about 65, you will usually be able to borrow about 20% of the home's value. This proportion increases as you get older, so that by the time you're over 85 it can be as much as 45% of the house value. How is the loan paid out? A Reverse Mortgage loan may be paid out in one of three ways; a lump sum, which is great if you are borrowing for a particular one-off purchase; small regular payments, which is perfect if your retirement income is not enough to cover your regular expenses. This option is not offered by all companies, however. a line of credit or a revolving credit loan. Would I be eligible? To be eligible for a Reverse Mortgage, you must own your own home and, usually, be 60 years or older. Are there other things I should know? Setting up a Reverse Mortgage can be expensive. You will be required to have your home valued, that will cost around $400. Some companies insist you do this every five years or so which can become quite a sizable on-going expense. Then there will be set-up fees for the loan. These can vary from around $1000 to $2000 plus legal costs. What's more, most companies will insist that you keep up with payments for insurance on the home, and that property maintenance is kept to their standard What about the interest rate? Be careful! This is where things can get expensive. You do not make regular repayments on a Reverse Mortgage loan. The loan is repaid in full when the home is sold or you no longer have control over it. Your interest rate will be higher than a normal mortgage rate and, as it compounds, you can quickly lose the equity in your home. 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

Receive financial protection during major health crises with trauma and critical illness insurance from Futurisk Insurance. Be prepared for life’s uncertainties. Trauma & Critical Insurance Our Solutions > Personal Insurance > Trauma & Critical Illness > Gives you and your family financial flexibility during a serious illness or injury. Trauma & Critical Illness Enquire Now Benefits of Trauma Insurance Lump Sum Payment Built-in Children's Trauma benefit Optional Total and Permanent Disability Benefits. Worldwide Cover What can it cover? Trauma Cover provides a lump sum payment should you suffer one of the covered conditions. The covered conditions are by nature serious and potentially life threatening and as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum payment can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured, among other things. The purpose of the funds is entirely yours to decide.To validate your claim you need to survive 14 days after being diagnosed with a covered condition such as cancer heart attack or stroke. Fixing Trauma & Critical Illness Premiums You can fix your Trauma & Critical Illness 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 insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Get comprehensive rural insurance coverage for farms, agribusinesses, and agricultural operations. Protect your livelihood with Futurisk Insurance. Rural Insurance Our Solutions > Business Insurance > Rural Insurance > Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. Rural Insurance with Futurisk Enquire Now What can it cover? Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. The risks associated with a farm can be very different to a basic domestic policy and often requires specialised policy cover. Our team at Futurisk can provide you with specialised and informed advice relevant to protect you and your farm. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Maximise your KiwiSaver benefits with professional advice from Futurisk Insurance. Get tailored investment strategies for your future financial security. Kiwisaver with Futurisk Our Solutions > Kiwisaver/Investments > Kiwisaver > Futurisk can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you. Kiwisaver Enquire Now Why use our kiwisaver advisers? Understand how a Kiwisaver scheme can benefit you – our advisers will provide advice and an understanding of how Kiwisaver will benefit you, and what process to take to get one setup, or change providers. Get on track to start saving – Our Advisers provide expert advice to get you setup, faster. We Work for You – Our Advisers work as your advocate – actively working on your behalf with the support you need. Enquire Now What is Kiwisaver? KiwiSaver is a voluntary savings scheme to help set you up for your retirement. You can make regular contributions from your pay or directly to your scheme provider. Kiwisaver offers you benefits that no other investment can. When you join a Kiwisaver scheme you will receive: Contributions from your employer (between the age of 18 and 65) Contributions from the Government (between the age of 18 and 65) First home withdrawal (conditions apply) Up to $10,000 first home grant (conditions apply) Your money is held in trust If you are employed you can choose to contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) salary or wage. The earlier you start saving the better off you will be. More about Kiwisaver To find out more about Kiwisaver schemes and funds visit Kiwisaver fund comparisons Our team can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you and your plans. Talk to an adviser Enquire Now Freephone 0800 17 18 19