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

How to know you have the right insurance cover - Life Insurances How to know you have the right insurance cover - Life Insurances Contact Us Which life-insurance should I go for? Term life insurance or a whole of life policy, which one should you go for? The obvious advantage of a whole of life policy is that it's like a savings account. You pay your premiums, and at a certain age you get something back. The disadvantage is that, for all that time, the premiums are higher. The question to ask when deciding which policy to go for is this, "If I go for the cheaper (term life insurance) policy, what will I do with the money saved?" If the answer is that you would squander it, then an endowment policy with the compulsory savings component is perfect for you. If, however, you're able to be more disciplined and put that money aside in some sort of investment for the future, then you might consider doing that and going for a term life policy. Insurances to protect your income: We almost always insure our most valuable assets-it's crazy not to! So, you've probably taken out insurance on your house, your car, your possessions... but none of these are your most valuable asset. Your most valuable asset is your ability to earn an income, and this needs to be protected because without it, you cannot pay your bills. There are two ways to protect your income: Income protection insurance, sometimes called disability insurance. Most income protection policies will, in the event of you being unable to work as a result of illness or injury, pay you up to 75% of your previous taxable income for a pre-specified term. As part of the policy, you can usually choose a stand-down period of four, eight, or 13 weeks before any income is paid out. The length of stand-down you select will be reflected in the premium you are charged - the longer the stand-down, the lower the premium. So, income protection means you continue to get a weekly payment despite being unable to work. Trauma or crisis insurance, sometimes referred to as critical illness insurance. This policy provides a lump sum on the diagnosis of certain specified critical conditions such as, serious cancer, heart disease and stroke. Some people say, it's like life insurance, but you don't have to die! What this means is, if you're seriously ill and need to take time off work, you'll be paid a lump sum to help with medical expenses, living expenses etc. That lump sum is agreed at the time you purchase the policy and, the greater the lump sum, the higher the policy premiums. So, in short, income protection pays a percentage of your income; trauma insurance pays a lump sum. Do I need to protect my income? The simple answer to this is, "Yes." Everyone needs to protect their income in case of an accident or illness. However, when considering income protection insurance you need to consider the value of it by weighing up your income, occupation and any offsets such as ACC payments and the like. For instance, if you are earning $40,000 per year, it may be that you would be eligible for that amount via a sickness benefit should you become ill. It nullifies the need for income protection insurance. One thing is for sure: Whenever you take out insurance, read all documents carefully so you know what's covered and what's not. To get proper advice on life insurances we recommend that you speak to an accredited insurance agent. Life insurances can be pretty confusing. There are so many products out there, and you never quite know which ones are best for you. And then, having decided on the type of insurance, there's the question of how much should you insure for? And when should you start with life insurance? One thing is for sure, however, living without any form of life-based insurance cover leaves your personal and business finances in a dangerous position. One of the most common ways of falling into debt is through the unexpected need to replace a lost or damaged asset that was not insured, and your greatest asset is your ability to earn. If that was suddenly removed from you, debt could quickly follow. Here's Futurisk's quick guide to life-based insurances. In terms of life-based insurances there are two aspects of cover you should consider to avoid potential debt for yourself or your dependents. The first is life insurance; this protects your dependents in the case of anything happening to you. The second is income protection insurance; this protects you and your dependents in a situation where you are unable to work because of some sort of illness. Let's look at these insurances more closely: Life insurances: The important thing to remember about life insurance is that it's not for you. Sure, it's your life that's insured, but the policy is for the benefit of your dependents. It's to ensure that they are able to live with some quality of lifestyle in the event that you're not there to provide for them. There are two types of life insurance policy: Term life insurance: Term life insurance agrees to pay your dependents or your estate an agreed amount if you die. The policy usually runs for a set term. That means, when you reach a certain age the cover ceases. You know longer pay premiums and you're no longer covered. Most people choose an age of about 65, a time when they no longer have children dependent on them, and have some income because they're receiving the pension. Because the insurance company realises the chance of you dying before this age is relatively slim, premiums are adjusted accordingly. This is why the premiums are usually lower than for the second type of life insurance. Whole of life or endowment insurance: Whole of life insurance (sometimes called endowment insurance) tends to be more expensive than straight life insurance because it combines life insurance with a savings or investment component. Endowment policies still mature when you reach a previously nominated age (usually 65), but you receive a lump sum. At that point the policy and premium payments cease. If you die before reaching that age, your estate receives the agreed insurance pay-out. 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

My KiwiSaver and other investments are dropping in value – what should I do? My KiwiSaver and other investments are dropping in value – what should I do? Contact Us Managed funds Managed Funds are a great option if you’re saving for something big in the future like an overseas trip, home renovations, or the tertiary education of your children. Unlike KiwiSaver, you can make withdrawals at any time, and you don't have to keep refixing like with a Term deposit. Like any investment, however, they will increase and decrease with the ebb and flow of the economy. Once again, the key is usually to invest for the long-term. What we should do Rather than reacting to headlines, consider using this time to review your investment strategy. Are you in a fund that matches your investment timeframe and are you comfortable with your investment risk? If retirement or a first‑home purchase is still many years away, short‑term market drops usually matter less. The most important thing is to stay invested and focus on long‑term growth. If, however, market swings are causing significant stress, or if your circumstances have changed, it may be helpful to seek advice from your Futurisk adviser. A well‑structured plan can provide reassurance and help ensure your investments remain aligned with your goals. Don’t give up And don’t give up! Continuing regular contributions during downturns usually means you’re buying investments at lower prices. That means you reap the benefit when the market turns. Recent global events, including the current situation in the Middle East, have resulted in increased volatility in financial markets across the world, including New Zealand. For most of us this has meant a decrease in the value of investments including KiwiSaver. It’s understandable that seeing our investment balances drop can be worrying, however, it pays to remember, periods like this are a normal part of investing – the market is constantly moving up and down and up again. Don’t panic The first and most important step is to neither panic nor feel depressed about this situation. Financial markets react quickly to global uncertainties, but history shows they tend to recover over time. Making rushed decisions to move or withdraw money based on short‑term market movements can lock in those short-term losses and reduce your ability to benefit when markets rebound. This is particularly relevant for KiwiSaver, which is designed as a long‑term investment for most people. KiwiSaver It also pays to remember that many KiwiSaver funds today hold a higher proportion of growth assets than in the past, which means balances can move up and down more sharply in the short term but provide a greater yield in the longer term. While this volatility can be unsettling, higher‑growth investments have historically delivered stronger long‑term returns for investors with time on their side. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

How to Strengthen Your Financial Safety Net with Accidental Injury Cover How to Strengthen Your Financial Safety Net with Accidental Injury Cover Contact Us Accidental Injury Cover is typically added to an existing policy, such as Life Cover or Trauma Cover, with a minimum lump-sum amount. If you already have cover in place, you may be able to add this benefit to enhance your protection and build a more comprehensive safety net giving peace of mind that your finances are protected. Whether you're active, out and about working, or simply going about your day, this cover helps enable you to focus on recovery — knowing your finances are supported. How It Works: Tiered Injury Categories Injuries are classified into categories based on severity. The more serious the injury, the higher the payout: Category 1: Minor injuries like a fractured ankle may pay 1–2× your chosen benefit. Category 5: Severe injuries such as permanent loss of hearing in both ears may pay up to 12× your chosen benefit. This tiered approach ensures the financial support reflects the true impact of the injury — whether it’s a temporary setback or a life-altering event. Accidental Injury Cover is a smart, cost-effective way to enhance your protection and gain peace of mind. It’s designed to respond when you need it most — helping you recover with confidence, knowing your financial wellbeing is taken care of. Contact your Futurisk Insurance Adviser to find out more. In New Zealand, ACC provides excellent support for a wide range of injuries. However, it may not cover every expense, and the financial impact of an injury can still be significant. That’s where Accidental Injury Cover (also known as Specific Injury Cover) comes in — offering a valuable layer of protection to help ease the burden. With Accidental Injury Cover, you select the level of your maximum lump-sum payout, and any subsequent payout is then based on the severity of the injury, giving you confidence that your financial support will match the impact of the event. With flexible benefit levels, you can tailor your cover to suit your needs — and it’s surprisingly affordable. Accidental Injury Cover provides a lump-sum payment for specific injuries such as fractures, burns, or the loss of limbs. For example, a hip fracture could trigger a payout of up to three times your selected benefit amount, helping cover medical costs, home support, or lost income during recovery. A lesser or more significant injury would trigger a payout of a lesser or greater amount accordingly. 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

Insurances You Can’t Live Without – General Insurance Insurances You Can’t Live Without – General Insurance Contact Us Insuring the things you own – contents insurance. While house insurance covers the actual building you live in, Contents Insurance covers the possessions within that building. Usually it’ll also cover those possessions while they’re temporarily out of your home (but not while they’re overseas). Most insurance companies separate Home Insurance and Contents Insurance into two separate policies and will give a discount if you take out both with them. There are two simple mistakes people can make with Contents Insurance policies. The first is to be under insured. The average New Zealander has their home contents insured for around $50,000. The average value of contents within a home in New Zealand is nearer $100,000. That may seem a lot, but take a walk around your home and begin to total up the value of everything you own—from your television to your computer, bedroom furniture, curtains, tools in your garage… it all adds up. The second mistake is to not read and understand your Contents Insurance policy before signing up for it. Many people assume they have a comprehensive policy only to find, at claim time, that it’s quite basic with many things not covered. Insuring your vehicle. To drive without car insurance is very unwise. It has caused many people to fall into debt that becomes very difficult to get out of. There are two main types of car insurance: The first is third party insurance. This is the most basic of policies and will cover any accidental damage you cause to another person’s vehicle or property, but does not cover damage to your own car. The second is comprehensive or full cover vehicle insurance. This covers damage to both your car, and any other vehicles or property you might accidentally damage. Full cover Vehicle Insurance is more expensive than a third party insurance policy, but, unless you can afford to replace or go without your car while, you save for a replacement, you should purchase full vehicle insurance cover. In all of this, remember that insurance is an essential part of your personal finances. Without it you can find yourself in debt; and once in debt, it can be very difficult to escape it. Sometimes it’s easy to feel like insurance is a waste of money, particularly if we’ve never made a claim. Before you get to thinking this way, however, remind yourself what insurance is for. When we purchase insurance, we’re purchasing a product. It’s like when we pay for groceries or petrol or a new television. In the case of insurance, we’re buying protection for our assets and for our financial future. A simple fact of life is this, unfortunate things happen. These things happen when we least expect them, and often catch us completely by surprise. In New Zealand today, one of the most common ways people fall into debt is through the unexpected need to replace a lost or damaged asset that was not insured. Here’s a general rule to bear in mind: anything you need for day to day living, which you could not replace with cash if you lost it, needs to be insured. In general, that boils down to three things: your home, your house contents, and your vehicle. Insuring your home – house insurance. House insurance—everyone has it, right? No. Not everyone does have their home insured. Following the Christchurch earthquakes it was discovered that around 15% of people were not insured and almost half of the homes that were severely damaged, were underinsured. You never know when your home will be damaged or how. Insuring your house: Following the Christchurch earthquakes, insurers have revised their method of assessing a home’s worth. For many years, insurance companies have used a formula based on size, improvements, building materials, etc. to calculate the cost of rebuilding a property. This is about to change. From this year, homeowners will have to state the amount they wish their home to be insured for, and the premiums will be set accordingly. This is good in one sense because it means you will receive the amount of money required to rebuild your home—provided you have insured your home for the proper amount. This new assessment method means you may require a valuation on your home to determine its replacement cost. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

How 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

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

Ensure your farm or rural business stays protected with specialised rural continuity insurance from Futurisk Insurance, tailored for New Zealand’s agricultural sector. Rural Continuity Insurance Our Solutions > Personal Insurance > Rural Continuity > Rural Continuity (Key Persons Cover) can protect yourself and your farm from financial impact during sickness or injury. Rural Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Rural Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Rural Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Farmers have a unique work environment and generally work and live in the same place with their family experiencing long working hours and often unpredictable conditions. Rural Continuity Insurance can provide a monthly payment to safeguard the future of your farm or sharemilking business should you become disabled as a result of an accident or ill health. This applies if you are unable to continue farming for more than 10 hours a week, providing you are not working in any other business. Offsets No offsets applied. Rural continuity cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Futurisk's Hot Tips for Saving Money on your Insurances Futurisk's Hot Tips for Saving Money on your Insurances Contact Us 4. Increase your excess. For most insurances (not life insurance), you will almost always have to pay an excess when you make a claim. By agreeing to pay a little more if and when you make a claim you can often get a discount on your insurance premiums. The one thing to be careful of is that whatever the excess is, you are able to meet that amount should you have to make a claim. 5. Work out the best way to make your payments. Insurance companies will often give a discount if you pay your insurance premiums in a yearly lump sum. That suits some people while others may prefer weekly or monthly payments. You need to do what is best for you. One thing is for sure though; there are savings to be made if you can pay annually. By the way, if you pay yearly it is good to spread the renewal dates for insurances throughout the year. If they all come due in one month it can be quite a stretch financially. 6. Review your insurances regularly. I can say with a degree of certainty that most people, if they haven't reviewed their insurances in the last three years or so, can save money by getting new quotes and reinsuring. It's worth taking an hour or so occasionally to contact a few insurance companies and ask for quotes on your insurance needs, in particular, vehicle, house, and contents insurance. 7. Go with one company. Many insurance companies will give generous discounts if you place all your vehicle, house, and contents insurances with them. When you buy an insurance policy, make sure you ask the question, "What discount will you give me if I put all my policies with your company?" 8. Use an expert! There is nothing like an expert to define what you require and discover where the best price can be found. Find a broker you can trust and get him/her to regularly review your insurances. If we were buying a new appliance or vehicle, we'd shop around. If we wanted some new computer gear or were renovating our kitchen, we'd look for the best deal. So why don't we do that with insurance? It seems many New Zealanders think of insurance as coming in a fixed package at a fixed price, but there are some practical things you can do to save money on your insurances. Here are six hot tips. 1. Work out what you need. Insurance premiums are calculated on the value of what you insure, so the higher the value, the higher the insurance premiums. To insure something for more than what it's worth means you are throwing away money every month. Whether it's for your life, car, home, contents or something else, work out what you want insured and how much it is worth. Don't be one of those people who waste money by over-insuring and so paying premiums that are higher than they need be. Also be careful not to risk a financial crisis by under-insuring and receiving money that doesn't cover the loss of an item. 2. Get quotes. If you are arranging your own insurance, get quotes from a few different companies. Especially for vehicle and house and contents insurance - the cost can vary greatly from company to company. One good way to know if you are getting a good deal is to work through a broker. They have usually sourced the best deals and may even be able to offer discounts because of the number of deals they put through. Remember though, the cheapest price may not equate to the best deal. That's where tip number three comes in. Read on.... 3. Make sure you know what you're buying. 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

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.

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

Safeguard your home and belongings with comprehensive home and contents insurance from Futurisk Insurance, serving clients across New Zealand. Home & Contents Insurance Our Solutions > Personal Insurance > Home & Contents Insurance > For Owner Occupied, Rental Dwellings and Holiday Homes. Covers you against losses to your most prizes possessions and important assets. Home Insurance Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? After the Canterbury earthquakes, all insurers changed to sum-insured policies. These policies make the owner responsible for calculating the costs to rebuild and insuring it for this amount. As your home is one of your most valuable possessions, insuring it for the right amount is not something you want to get wrong. Sum Sure Calculator This tool can assist in helping you to calculate your home Sum Insured - Sum Sure Calculator . You also want to know that when you need to make a claim, that you have people that will help you get that claim processed as soon as possible. Futurisk can match you up with the provider that will give you the benefits you need when you need them and get you competitively priced premiums and support you through the claims process. Chat to one of your local advisers today to organise a personalised Home & Contents plan. Talk to an adviser Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? If you own a rental property, you are vulnerable to the same risks of any homeowner. You’re also vulnerable to damage that tenants can do to your home and contents. Loss of Rent cover can support during a claimable event when you can’t rent out your property while it’s being repaired or if your tenants break the lease without required notice. It pays to have landlord insurance, which is designed to protect owners of investment properties. Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? Contents insurance provides protection against damage, theft or loss of your personal possessions. This may include anything from a pair of designer sunglasses to a flatscreen TV, to your furniture. The team at Futurisk will let you know what can be covered, and you can select the excess to reduce your premium. Contents Sum Insured Calculator No more guessing, no more time-consuming calculations, and no more under insurance! Click on the below link to calculate the level of cover you need for your Home Contents - Contents Sum Insured Calculator Freephone 0800 17 18 19 Insurance Benefits Protects your business on construction sites Protects the building under construction from natural disasters or damages caused by theft or vandalism the turnover that is lost so you can recover and rebuild Contract Works is an Important cover for commercial, industrial and domestic builders, sub-contractors, and property owners against damage, natural disasters, theft and product or public liability. What can it cover? Depending on your policy, contract works insurance can cover you against: Natural disasters Damage to property Broken glass Defects Liability Landlord’s insurance is designed to protect owners of investment properties. Landlord's Cover Enquire Now Contents Insurance provides cover for accidental loss or damage to your personal belongings. From basic cover to comprehensive cover, landlord contents and holiday home contents. Contents Insurance Enquire Now Important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, theft and product or public liability. Contract Works Enquire Now