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.

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 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:

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

Why you should use a broker when purchasing car insurance Why you should use a broker when purchasing car insurance Contact Us They're on your side during a claim Going it alone with an insurer's call centre during what is already a stressful situation can be daunting. It’s great to have someone who’s working for you. If you ever need to make a claim, a broker can act as your advocate with the insurer, helping you understand what's covered, chasing up delays, and pushing back if a claim is disputed. They're understand non-standard or unusual situations If your car insurance situation is less than straightforward, perhaps even a little complicated, brokers are hugely valuable. More complex situations include: Modified, classic, or high-value vehicles. Business or commercial use vehicles. A patchy claims history. Multiple vehicles or a mixed insurance portfolio (car, home, contents, business). Wanting someone who remembers your situation at renewal time and can negotiate rather than starting from scratch each year. The ongoing relationship can be invaluable Unlike a single online quote that is handled as a one-off transaction, a broker relationship continues. Your broker will review your cover at renewal, adjust it as your circumstances change (new car, new address, added driver), and generally act as a long-term point of contact rather than a one-time sale. There they are: five reasons why it’s worth using a broker to find the best car insurance policy for you and your family. Before you buy or renew your car insurance policy, contact your Futurisk Financial Adviser, it could save you time, stress and money. Five Reasons to Use a Broker for Purchasing Car Insurance in New Zealand? Shopping for any insurance is never easy. You’re likely to find yourself bouncing between insurer websites, comparing PDFs full of jargon, and hoping you haven't missed an exclusion that might come back to bite you later on. Car insurance is no different. There are so many products to choose from and so many providers advertising for your business. That’s why it makes sense to contact a broker. A broker takes care of all that research, including considering possible complex needs that some drivers have, and is able to recommend the car insurance product that best fits your needs and may save you money. Here are five reasons why it’s worth using a broker, such as your Futurisk Financial Adviser, to find the best car insurance policy for you and your family. They do the comparison work for you A good broker doesn't just sell you a policy … a good broker will assess your situation, compare options across the insurers they work with, and find cover that actually fits. That means less time reading fine print, greater confidence that you're neither paying for cover you don't need nor missing cover you do need, and often cheaper premiums. They Understand the Fine Print Car insurance policies may look pretty similar on the surface, but they vary more than you might think. Excess structures agreed vs market value, exclusions around modifications, business use, younger drivers—these can all affect how a policy is worded and the premium charged. A broker can translate that jargon into plain English and flag the details that would otherwise catch you out at claim time. 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

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

Find tailored business insurance solutions to safeguard your company. Get coverage for liability, assets, and business continuity with Futurisk Insurance. Business Insurance Our Solutions > Business Insurance > Protecting your business’s ability to keep on making money. Business Interruption Enquire Now Insurance Benefits Cover your business to keep running after an unexpected event Covers the turnover that is lost so you can recover and rebuild Covers ongoing operating expenses Covers relocation costs What can it cover? Business interruption insurance can help your business to keep running after a claimable event. Business Interruption insurance can get you through a temporary crisis by protecting your cashflow, wages and unexpected claims related costs – so you can pay these expenses and help ensure the future of your business. It may also include: Ongoing operating expenses, such as electricity and rent Relocation costs for moving to, and operating from, a temporary location. Wages and Payroll Claims preparations costs; and more Cover insures a business owner against loss or damage to physical assets including buildings, contents, plant and equipment, and stock. Material Damage Enquire Now Insurance Benefits Protects business owners against loss or damage to their physical assets including building, plant, stock and fitout What is material damage? Cover insures a business owner against loss or damage to physical assets including buildings, contents, plant and equipment, and stock. Whether caused by accident, fire, theft, vandalism or natural disaster. Covers most vehicles used in business throughout New Zealand. Commercial Motor Vehicle Enquire Now Insurance Benefits Cover your business to keep running after an unexpected event Covers the turnover that is lost so you can recover and rebuild Covers ongoing operating expenses Covers relocation costs Don't let your vehicle become a liability Commercial vehicles are an important business asset. Their protection along with associated vehicle liability cover, is essential to the success of any business. You and your team may be good drivers and take all precautions to protect your vehicle, however your own driving habits are only one part of the equation. Accidents can occur due to other people’s driving, weather events or other natural disasters. We can offer cover for your business and commercial vehicles. Full comprehensive cover Third party fire and theft cover Third party only Important cover for commercial, industrial and domestic builders, sub-contractors, and property owners against damage, natural disasters, theft and product or public liability. Contract Works Enquire Now Cyber Insurance helps to protect your electronic data Cyber Insurance Enquire Now Insurance Benefits Protects your electronic data Covers you against external hacking or breaches of website or confidential data Protecting your business information and privacy from cyber attacks is vital, as everyone is a potential target. Cyber Insurance Includes: Protects against human or system error Reputational damages (business interruption) Post-event consulting costs Third party claims for data leaks Access to a team to support when an attack is happening. Freephone 0800 17 18 19 Other isurance options If you have specific insurance needs and have not seen what you are after on our website then please contact us. We have a range of options and may be able to meet your needs. Our advisers are here to help. Enquire Now Liability Insurance Options Public Liability: Covering your legal liability and the costs of defence for to third party property or personal injury where you may be found to be liable. Statutory Liability: Covering unintentional breaches to most statutory acts including legal defence costs, reparation costs and in some cases fines. Employers Liability: Cover for accidents and illnesses to employees during the course of their employment which are not covered by ACC and the costs of legal defence. Professional Indemnity: Cover designed to protect against economic loss sustained by third parties as a result of the performance of your professional services and advice. Management Liability: Provides cover for Directors & Officers Liability, Entity, Employment Practices Liability, Trustees Liability and Crime. Talk to an adviser Chat to one of your local advisers today to organise a tailored business insurance plan. Enquire Now 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 What can it cover? Depending on your policy, contract works insurance can cover you against: Natural disasters Damage to property Broken glass Defects Liability Liability Insurance Enquire Now

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

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

Frequently asked questions when buying a home Frequently asked questions when buying a home Contact Us Should I get an appraisal? Yes. An appraisal is an opinion of the value of the property you are planning to purchase. It's one of the requirements needed to apply for a home loan. Should I pay for a home inspection to check the house? Yes. It is a must to have a professional house inspector check the house first before you decide to buy to get your money's worth. We all want some peace of mind when buying something important like buying a house. Should I use an Agent to buy a house? Yes and No. Yes, because an agent can help you with finding a home that will suit you by giving you a list of available homes within your price range and can also give you some information about the housing market. However, be careful to choose by comparing background, experience and agencies. Or you can ask someone you can trust. No, if you want to do it personally and are ready to take on some house shopping yourself. Should I go directly to the bank or other mortgage lenders to borrow? You can go directly to your bank and ask about their mortgage lending criteria. Or you can let us help you by getting the best offer without the hassles of going through the all the rudiments of getting a home loan. How much can I afford? The answer to this depends on your income and your liabilities (debt). Ideally, most home buyers purchase a house that costs between 1 ½ to 2 ½ times their annual income. However sometimes, there are no houses available in your ideal price range. If this is the case, you may need to spend a bit more. Just keep in mind that your monthly mortgage repayment can't exceed 29% of your gross monthly income and your total debt payments (mortgage payments, car payments, credit cards and hire purchases) can't exceed 40% of your gross monthly income. How much can I borrow? It depends on a number of factors and these may include: The value of the home Your income and your ability to repay the mortgage How much you have saved towards your deposit If you are eligible for a First Home Loan Type of home you are planning to purchase How much should I offer for a house? Each property is unique on its own and the ideal offer will depend on how the buyer perceives the value of the property. If a particular house is overpriced an offer below the listing price would be appropriate. If it's just within the ideal price range, an offer at the asking price or just below the listing price will be fine and if it's priced below the actual value, then you are in for a good bargain (get it while you can soonest!). 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

Do you have an emergency nest egg? Do you have an emergency nest egg? Contact Us Most financial gurus and advisers these days recommend having a separate account that’s just for emergencies, and they’re not hard to set up. In fact, most banks will let you do it online. Just log in to your banking website and create a brand new internet account.But having the account is only half the job – now it just needs some money. Because many people live from pay day to pay day, putting a couple of hundred dollars aside into your emergency account is much easier said than done. Instead, consider starting an automatic payment, so every week or fortnight even as little as $5 is transferred into your emergency account without you having to do anything. $5 doesn't sound like much, but within 10 weeks you’ll have more than enough to put petrol in your car and buy some lunch if your pay doesn't come through. One of the key pieces of advice given about keeping an emergency accounts is to make it a little harder to access than your regular accounts. If you had a card in your wallet that had access to your emergency account, the temptation to spend the money would be too great. Instead, make it so that the only way to access that money is to have to transfer it from the special account into your regular account. So next time you need some emergency cash in a hurry, all you’ll need to do is whip out your smartphone, transfer some money and you’ll be away laughing. Earlier this year this was a glitch with ANZ’s payment system, and a whole lot of New Zealanders woke up on payday to discover they hadn't been paid. It didn't take long for the issue to be resolved, and everyone was paid by lunchtime, but the ANZ Facebook page was still inundated with complaints and tales of tragedy as people claimed they were now starving, cold and unable to put petrol in their car because of ANZ’s mistake. If you woke up on payday and found yourself in this situation, what would your day be like? Would you be going to work hungry because you couldn't afford to buy food for lunch? Would you have to walk to work because you had no money to pay for petrol or a bus? Or would you just transfer a few dollars from your emergency account and go on your merry way? For many, waking up on pay day to find their account empty should be a wake-up call, and one of the best things you can do if you’re scared of ever being in this situation is to create an emergency account. 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

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

Does Your Insurance Still Fit? Does Your Insurance Still Fit? Contact Us Get advice – not just a quote The radio is full of advertisements for quick insurance quotes. One promises that three questions is all you need to answer before purchasing a policy. That sounds very convenient, until claim time when you discover the exclusions and fine print conditions contained in many of these quick-sell insurances. Talking with a Futurisk qualified insurance adviser is invaluable. Rather than selling you a quick product, our advisers will walk you through the insurance process, helping you to understand what you’re paying for and explaining the benefits of your insurance protection. We will also compare policies across multiple providers ensuring that you receive the best advice and best value; not the cheapest option, but the policy that best suits your situation. Finding value for money – not the cheapest policy, but the best During tough economic times, it can be tempting to save money by cutting back on, or even cancelling, insurance. Futurisk’s advice is to first carefully consider the cost of not being insured should something happen. We do our best to help you find ways to adjust cover or restructure premiums to keep them affordable. Remember, a well-structured insurance policy is vital for protecting your family’s financial future should something unexpected happen. A Futurisk insurance review doesn’t mean buying more. It means, taking the time to ensure your cover is serving you the best way possible. The bottom line Insurance is there to protect you, your family, and your finances. However, it only works if it’s fit for purpose. A quick review with your Futurisk insurance adviser could make a big difference to both your budget and your long-term security. As the rising cost of living puts pressure on most Kiwi households, it's a good time to examine your regular expenses, and that includes your insurance. Whether it's life insurance, health insurance, income protection, or general cover, everybody’s insurance needs change over time. That means, we all need to review our policies to ensure they still match our circumstances. It could be you are paying for more than you need and could save money. Or it could mean there are gaps in your insurance cover that would leave you financially exposed if something happened. When it’s time you reviewed your insurance cover, here’s a few things to keep in mind. Life changes – so should your insurance cover Major life events can all affect how much insurance you need and yet, many people set up their policies and never give them another thought. Life events affecting your insurance needs include getting married, having children, buying a house, changing jobs, and paying off debt. If you’re paying for cover you no longer need, you can almost certainly reduce your premiums and save money. On the other hand, if your circumstances have changed and your cover hasn’t kept up, you may not be as protected as you think. That means, your insurance premiums may be lower than they should be but, if something goes wrong, you’ll be underinsured and could be out of pocket for years to come. 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