Looking for a Kāinga Ora-backed home loan? Futurisk Insurance helps you navigate the process and secure government-supported mortgage options. Kāinga Ora 5% Deposit Our Solutions > Mortgages > Kāinga Ora 5% Deposit > Struggling with a deposit? With Kāinga Ora’s First Home Loan support, eligible buyers- including migrants and first-home buyers- can step into homeownership with as little as a 5% deposit! Your First Home is closer than you think! Enquire Now Let’s turn your financial goals into reality - contact us today! Enquire Now Step into homeownership with as little as a 5% deposit Low deposit? No problem! No need for a huge upfront investment. Designed for first-home buyers & migrants -making homeownership more accessible than ever. We guide you every step of the way - from application to approval. Don’t let a high deposit hold you back- let’s turn your homeownership dream into reality! Let’s make your dream home a reality! Book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Freephone 0800 17 18 19

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

Protect your income with tailored income protection insurance from Futurisk Insurance. Get financial security in case of unexpected illness or injury. Income Protection Our Solutions > Personal Insurance > Income Protection > Income Protection safeguards your income when you are unable to work. Income Protection with Futurisk Enquire Now Benefits of Income Protection Insurance Worldwide Cover Recurrent Disability Benefit Vocational Training Benefit Home Modification of Equipment Support Bed Confinement Waiver of Premiums Suspension of Cover Benefit Future Insurability Benefit If you are made redundant, you’ll be covered with monthly payments for up to six months. What can it cover? Income protection can provide you with a regular monthly payment if you are unable to work due to sickness or injury. Why Income Protection? After your health, your ability to earn an income is one of your most valuable assets. If your health were to suffer a setback, your finances and lifestyle shouldn’t have to. Types of Insurance Agreed Value: This type of cover provides an agreed monthly benefit based on a proportion of your income (before tax) disclosed at time of application. This means that you don’t need to supply proof of pre-disability income at claim time in order to receive a benefit Indemnity: This type of cover pays monthly benefit based on a proportion of your pre-disability income (before tax) at claim time. The benefit is paid up to a specified selected at the time of application. This means that you need to supply proof of pre-disability income when you lodge a claim. Loss of Earnings: This type of cover offers you the flexibility to chose either an Agreed Value or Indemnity Benefit. At claim time, you have the option to receive an Agreed Value Benefit or you can elect to provide evidence of your pre-disability income in order to receive a potentially higher benefit. What should I know? Offsets Depending on what type of income protection policy you have, some offsets may be applied. Please refer to your policy wordings for further information. 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 4-104 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payment period can decrease your premiums. We can offer from 1- 5 year payment periods with options for your policy to end at the ages 65 or 70 years old. 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 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

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

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

Protect your business with tailored insurance solutions from Futurisk Insurance. We offer coverage for various industries across New Zealand. Business Insurance options with Futurisk Our Solutions > Business Insurance > Book a free appointment here Business Insurance options Business Interruption Contract Works Material Damage Cyber Insurance Commercial Motor Vehicle Liability Insurance Rural Insurance Chat to one of your local advisers today to organise a personalised Business Insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more

Protect your future with Futurisk Insurance. Offering personalised life, business, and income protection insurance, as well as expert mortgage brokerage services across New Zealand. Contact us today for tailored solutions. Today. Tomorrow. Together. At Futurisk, we’ve got your back, for you, your family and your business. Get specialised insurance and mortgages Personal Insurance Business Insurance Mortgages Kiwisaver/Investments Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more Freephone 0800 17 18 19

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

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

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

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!