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

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

How to know if a reverse mortgage is for you How to know if a reverse mortgage is for you Contact Us So, is it a good idea for me to take out a Reverse Mortgage? This is a decision only you can make. There are, however, a few things you need to consider; Is there some other way to raise the cash you require? Reverse Mortgages are expensive. If the amount of cash required is small such a loan is not worth the cost of the setup fees etc. Even for a larger amount of money, it makes better financial sense, if you can afford the repayments, to take out a standard mortgage or personal loan, or free up cash by downsizing your home. Find out how portable the loan will be; i.e. if you move home do you have to immediately repay the loan, or can you attach it to your next home? Before entering into a Reverse Mortgage (Home Equity Release Mortgage) make sure you seriously consider the effect it may have on your future, especially as regards any move you may wish to make and the capital you'll need to make that move. Also consider how important it is for you to be able to leave something to your children in respect of an inheritance of some sort. Some companies offer what is known as a no-negative-equity guarantee which is exactly what is says; a guarantee that ensures that when you sell your home, if you receive less for the home than the value of the outstanding loan, neither you nor your estate will have to make up the shortfall. Get professional advice in this regard if you need it. Shop around for a good deal. Make sure you read the contract well and understand exactly what the deal you're offered really means before you sign anything. If you're on the pension (and Reverse Mortgage recipients usually are) make sure that receiving funds such as these do not jeopardise the receipt of your benefit. The Bottom-line: Reverse Mortgages are not a bad idea, but neither are they necessarily a great idea. If you have an urgent need for cash, e.g. for a surgical operation or the like, then a loan like this can be perfect for your needs. However, make sure you understand the drawbacks. They are expensive, and much of the expense is invisible. That is, it is in the form of interest repayments which are constantly growing without you realising it. Also, if you have no family and no one you want to leave your home to you may as well spend your money before you go! In that case, a Reverse Mortgage may be perfect for you. However, if you have family or others you are hoping to leave a nest-egg to, beware. If you have a need for some extra cash, perhaps a better scheme would be for those who you're wanting to leave money to, to take out a loan on your behalf. That way it's like they're making an investment in a property that should increase in value over time. For more information on home loans, refinancing your loan, or interest rates, contact the team at Futurisk, enquiries@futurisk.co.nz . You've probably heard of a Reverse Mortgage, sometimes called a Home Equity Mortgage. With our aging population, they are becoming more common. Reverse Mortgages can be a good way to free-up money to spend on things you want - provided you're aware of the many pitfalls. What is a Reverse Mortgage? A Reverse Mortgage enables you to borrow money against the equity you have in your home, up to a proportion of the value of that property.Repayments on the loan are made when you leave the property; that is often when a person sells, moves into a retirement home, or dies. How much can I borrow? The lender will calculate the maximum amount you can borrow according to your age and the value of your home. If you're aged between 60 and about 65, you will usually be able to borrow about 20% of the home's value. This proportion increases as you get older, so that by the time you're over 85 it can be as much as 45% of the house value. How is the loan paid out? A Reverse Mortgage loan may be paid out in one of three ways; a lump sum, which is great if you are borrowing for a particular one-off purchase; small regular payments, which is perfect if your retirement income is not enough to cover your regular expenses. This option is not offered by all companies, however. a line of credit or a revolving credit loan. Would I be eligible? To be eligible for a Reverse Mortgage, you must own your own home and, usually, be 60 years or older. Are there other things I should know? Setting up a Reverse Mortgage can be expensive. You will be required to have your home valued, that will cost around $400. Some companies insist you do this every five years or so which can become quite a sizable on-going expense. Then there will be set-up fees for the loan. These can vary from around $1000 to $2000 plus legal costs. What's more, most companies will insist that you keep up with payments for insurance on the home, and that property maintenance is kept to their standard What about the interest rate? Be careful! This is where things can get expensive. You do not make regular repayments on a Reverse Mortgage loan. The loan is repaid in full when the home is sold or you no longer have control over it. Your interest rate will be higher than a normal mortgage rate and, as it compounds, you can quickly lose the equity in your home. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Ensure your loved ones are financially protected with our customisable life insurance policies. Explore options with Futurisk Insurance in New Zealand. Life Insurance Our Solutions > Personal Insurance > Life Insurance > A plan that takes care of your loved ones when life doesn't go to plan. Life Insurance Enquire Now Types of Life Insurance Lump Sum – can be used to settle debts, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured, or provide an inheritance or donation, amongst other things. Monthly Payment – Designed to minimise impact on the lifestyle of your family after your death through a monthly payment. Benefits of Life Insurance Lump Sum Payment Worldwide Cover No Expiry Age What can it cover? Life Insurance pays a lump sum (or a fixed monthly amount) if you die as a result of either accident or illness, or upon diagnosis of terminal illness likely to result in death within 12 months. Having Life Cover in place will ensure that your debt and funeral costs are covered so that your family or your business are able to carry-on after your death. Life Insurance helps you minimise the financial impact of death or terminal illness for you and your family, and gives you peace of mind that you can provide security for a wide range of financial commitments. Fixing Life Insurance Premiums You can fix your life insurance premiums. There are several options available, with different premium structures including: Yearly Stepped – Your premium are based on your current age and sum insured. They start out relatively low, but will increase each year with age. Level Term – Premiums are fixed for the life of the policy. At the start they will be more expensive compared to yearly stepped. But in the end you may be better off as yearly stepped premiums keep increasing. Chat to one of your local advisers today to organise a personalised Life Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Ensure your mortgage payments are covered in case of unexpected life events with mortgage protection insurance from Futurisk Insurance. Mortgage Protection Our Solutions > Personal Insurance > Mortgage Protection > Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Mortgage Protection with Futurisk Enquire Now Additional Options Redundancy Cover If you are made redundant, you’ll be covered with monthly payments for up to six months.. Retirement Protection (KiwiSaver) Under this benefit you can keep contributing to your KiwiSaver while you’re on a Total Disability claim, helping you to continue receiving the member tax credit. This contribution is an addition to your monthly benefit. Mental Health Limitation This option will reduce your premiums and you will receive payments for only two years throughout the life of your policy should you make a claim for mental health. Dependent Care Benefit This option will provide you with a proportion of a monthly benefit should you need to give up work to provide full-time care for a relative who can no longer take care of themselves because of total disability. Claim Indexation Your sum insured will increase every year according to the CPI, (New Zealand Consumer Price Index). This helps your sum assured stay in line with inflation. Benefits of Mortgage Protection World Wide cover Recurrent Disability Benefit Vocational Training Benefit Home modification of Equipment Support Waiver of Premiums Suspension Cover Benefit Back to work payment What can it cover? Mortgage protection cover can provide you with a regular monthly mortgage payment if you are unable to work due to sickness or injury. Why Mortgage Protection? For many people their house is their most valuable asset. If you are unable to work due to an illness or injury, Mortgage Protection Cover can provide you with regular monthly payments so you won’t be worried about your mortgage or rent payments when you would be better off focused on regaining your Independence. Cover Options: You can choose to cover up to 115% of your contractual mortgage repayments on your residential property. Up to a maximum of 45% of your gross income. Offsets No offsets apply. Mortgage protection 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 4-104 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 1 - 5 year payment periods with options for your policy to end at 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

Learn about ACC Cover Plus and how it can provide additional protection beyond standard ACC coverage. Consult with Futurisk Insurance in New Zealand. ACC Cover Plus Our Solutions > Personal Insurance > ACC Cover Plus > Our Financial Advisers will work with you to work out the best possible combination of ACC and Insurance Protection cover. ACC Cover Plus Extra Enquire Now Cover Plus, or Cover Plus Extra? Cover Plus – is not guaranteed, it pays only 80% of your gross income. However if you have staff out working and generating income for you while you are unable to work, ACC may not pay you. Cover Plus Extra – will pay the agreed sum no matter what your earnings were in the previous 12 months, prior to you being unable to work. Cover Plus Extra even pays if your staff continue to work and generate an income for your business. Our Financial Advisers will work with you to work out the best possible combination of ACC and Insurance Protection cover, and quite often we can reduce your ACC levies. We make sure you have an affordable plan, with a mix of ACC and Income Protection and still save money on your previous Cover Plus levies. Why use our ACC advisers? Ensure you’re not paying too much for ACC - our advisers will provide clarity and ensure you’re paying the correct amount. Ensure you have the right combination of ACC Cover and Income Cover - our advisers personalise your plan to ensure you’re covered for what you need. We Work for You – Our Advisors work as your advocate – actively working on your behalf with the support you need. Enquire Now ACC and You ACC provides an injury cover for everyone in New Zealand, no matter where the injury occurs. This is paid for by a combination of government funding and deductions from your income which are based on the industry you work in.

 It covers you for accidents and injuries and making a claim is usually straightforward if you are employed with a regular income, and it should pay out 80% of your pre-disability income.

 However, it is not always straightforward if you are a self-employed business owner?

 What if you are self-employed and your income fluctuates? (the previous 12 months may not have been so good, with extra expenses and less work)

 What happens if ACC decides they should not pay? They can say they believe the injury was caused thru degeneration or illness, due to your age. (Will you be covered if you have a heart attack? Can you prove it was a work-related accident? Most self-employed business owners are automatically put into ACC Cover Plus, however this may not be the ideal plan for you. Chat to one of your local advisers today to organise a personalised Life Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

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

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 info@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

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

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:

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