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- Insurance & Mortgage Solutions in Kāpiti | Futurisk NZ
Futurisk Insurance offers expert insurance and mortgage solutions for Kāpiti residents. Get personalised financial advice today. Futurisk Kāpiti Our Solutions > Kāpiti > We are your local Kāpiti advisors who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 0800 17 18 19 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Ōtaki PO Box 134, Ōtaki 5542 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisors well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Kāpiti Team Based in Ōtaki, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". To us, you're not just a policy number, you're our valued client. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. Our Principal Adviser, Rex Duckett began his journey in the financial services industry in 1989. Rex started out with two phonebooks, an Insurance Rate book, and an idea. With these 3 books and a lot of hard work and late nights, he built a successful business and friendships that would last a lifetime. After so many years in the industry and two office locations, Ōtaki and Levin, Rex decided to amalgamate with Joe Singh from Futurisk Insurance Ltd and they have created a new and improved company, Futurisk Insurance (Kāpiti) Ltd. Rex is happy to align his business with Futurisk and be a part of an expanded and growing team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by a friendly administration team. Futurisks ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial wellbeing. By aligning these businesses, it has allowed us to utilise the strong alliances we have formed over time with various insurance providers and giving us access to new providers already working with Joe, this helps give us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Mangers (KAM) with these companies who are dedicated in assisting us as efficiently as possible. Our Kāpiti Office Meet our Kāpiti specialists Our advisors are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Rex Duckett Principal Advisor 027 444 2733 Bio Rex has been in the insurance industry since 1989, 34 years! He has always been an adviser and has seen many changes over the years, most recently the introduction of new qualifications for licensing. He has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances. Rex enjoys V8s and has been drag racing for the last 22 years, his personal best is a 6 second ¼ mile at 205mph. He enjoys spending time with the growing family when he is not racing or hot rodding. FSP103124 - (Financial Services Provider Number) Email Becky Spiller Financial Manager and Executive Manager 0800 367 467 ext 2 Bio Becky has worked in the insurance industry for over 12 years in an administration and management role, she primarily works with the personal risk clients, assisting with underwriting, quoting existing business and claims. She has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances and Investments. Becky and her husband have one daughter, currently completing her Masters at Victoria University. Becky enjoys camping, fishing and spending time with her friends and family. Email Monique Duckett Financial Adviser and Finance Manager 0800 367 467 ext 1 Bio I have been in the industry for 25 years and have a good understanding of all the facets of this industry. I have Level 5 in Financial Services. I am currently working in the Otaki office alongside my husband Rex in the finance side of the general department. Email Marjie Pacan General Administrator 0800 367 467 ext 5 Bio Marjie emigrated to New Zealand from Poland in 2010 after living in England for 10 years, working a range of jobs including nursing and hospitality. Since emigrating to New Zealand she has worked in administration, early childhood centre and continues working as senior barista. Marjie has been in the insurance industry for 2 years as a receptionist and general administrator Outside of work I enjoy, hiking, cycling, throwing glamorous parties, flower arrangements and spending time with my two gorgeous children and greyhound. Email Deb Greaves Claims Administrator 0800 367 467 ext 4 Bio Deborah has mainly worked in hospitality from hotel management, conference administration, hospitality supplies, front of house and a wide range of other admin jobs. She loves spending time with her adult daughters. Deborah and her husband Kelvin enjoy travelling in their caravan with their fur baby Bonnie. When not travelling she enjoys gardening, reading and going out for brunch and trying out different restaurants. Email Mallery Henderson General Administrator 0800 367 467 Bio I have worked in various roles including customer service, marketing, and office management as well as volunteering for charities that support families when my family and hobbies leave me enough time. I’m a mum of 3, my hobbies include Roller Derby Officiating (national and international), Cross stitch and sewing. Email Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19
- Pet Insurance Policies | Protect Your Pets | Futurisk NZ
Ensure your pets receive the best care with our comprehensive pet insurance policies. Explore coverage options with Futurisk Insurance in New Zealand. Pet Insurance Our Solutions > Personal Insurance > Pet Insurance > Our Pet Insurance provides cover for your cat or dog to remove stress when expensive bills arise. Pet Insurance Enquire Now Benefits with Futurisk Covers veterinary bills such as veterinary consultations, specialist care, surgery and more , which could be very expensive for families to afford. We can help at claim time You choose the excess What can it cover? Whether you own a cat, dog or a horse, we know how important they are to you. Pet insurance provides cover for one’s pets for every step of the way, from when they’re just babies to their later years. It covers veterinary bills such as veterinary consultations, specialist care, surgery and more. These bills can cost thousands of dollars and can be simply too expensive for some families to afford. Chat to one of your local advisors today to organise a personalised Pet Insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- Contact Futurisk Insurance | Insurance and Mortgage Solutions NZ
Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Contact Futurisk Contact Us > Contact Our Team For Personalised Insurance Solutions - servicing Wellington through to Kapiti, Palmerston North, and Waikato. Our locations Futurisk Manawatu 0800 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz 178 Broadway Ave Palmerston North 4410 PO Box 5252, Terrace End Palmerston North 4441 Futurisk Waikato 0800 17 18 19 +64 07 929 2296 enquiries@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 Futurisk Kāpiti 0800 17 18 19 +64 6 364 6123 enquiries@futurisk.co.nz 153 Main Highway Otaki PO Box 5252, Terrace End Palmerston North 4441 Contact Us Our financial advisors are dedicated to providing exceptional service to our clients when it comes to health and life insurance, business insurance cover, home and contents insurance, and travel insurance coverage. Name* Phone* Email* Message* Submit We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19
- KiwiSaver Advice & Retirement Planning | Futurisk NZ
Maximise your KiwiSaver benefits with professional advice from Futurisk Insurance. Get tailored investment strategies for your future financial security. Kiwisaver with Futurisk Our Solutions > Kiwisaver/Investments > Kiwisaver > Futurisk can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you. Kiwisaver Enquire Now Why use our kiwisaver advisors? Understand how a Kiwisaver scheme can benefit you – our advisors will provide advice and an understanding of how Kiwisaver will benefit you, and what process to take to get one setup, or change providers. Get on track to start saving – Our Advisors provide expert advice to get you setup, faster. We Work for You – Our Advisors work as your advocate – actively working on your behalf with the support you need. Enquire Now What is Kiwisaver? KiwiSaver is a voluntary savings scheme to help set you up for your retirement. You can make regular contributions from your pay or directly to your scheme provider. Kiwisaver offers you benefits that no other investment can. When you join a Kiwisaver scheme you will receive: Contributions from your employer (between the age of 18 and 65) Contributions from the Government (between the age of 18 and 65) First home withdrawal (conditions apply) Up to $10,000 first home grant (conditions apply) Your money is held in trust If you are employed you can choose to contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) salary or wage. The earlier you start saving the better off you will be. More about Kiwisaver To find out more about Kiwisaver schemes and funds visit Kiwisaver fund comparisons Our team can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you and your plans. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- Mortgage Protection Insurance | Secure Your Home | Futurisk NZ
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 advisors today to organise a personalised insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- Comprehensive Insurance & Mortgage Solutions | Futurisk Insurance NZ
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 Advisor? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisors 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
- Business Continuity Insurance | Secure Your Business | Futurisk NZ
Ensure your business can withstand unexpected disruptions with business continuity insurance from Futurisk Insurance. Get expert coverage solutions in New Zealand. Business Continuity Insurance Our Solutions > Personal Insurance > Business Continuity > Business Continuity can protect your business from disruptions caused by sickness and injury. Business Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Business Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Business Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Most businesses protect their physical assets such as plant and equipment but may not protect human assets that are key to keeping their business running profitably. Business Continuity Insurance helps your business by providing monthly payments and support should a key person become disabled or unable to work due to ill-health. Offsets No offsets applied. Business Continuity Cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisors today to organise a personalised insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- Mortgage Refinancing | Lower Your Payments | Futurisk NZ
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 Advisor 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 Advisor 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 advisors. 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 Advisor 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. Email Freephone 0800 17 18 19
- Total Permanent Disability Insurance | Financial Security | Futurisk NZ
Secure your financial future with Total Permanent Disability Insurance from Futurisk Insurance. Get coverage that supports you in case of permanent disability. Total & Permanent Disability Insurance Our Solutions > Personal Insurance > Total & Permanent Disability > Total & Permanent Disability Insurance takes care of you and your family’s future if you become permanently disabled. Total & Permanent Disability Enquire Now Benefits of Total & Permanent Disability Insurance Lump sum cover Cover your Own Specified Occupation Renewable to Age 70 Worldwide coverage What can it cover? Total and Permanent Disability (TPD) provides financial peace of mind by providing a lump sum payment should you become totally and permanently disabled and unable to work as a result of accident or illness. If you are so incapacitated that: a. cannot do your own or another job to which your skills may be suited; or b. cannot perform at least two activities of daily living without the physical assistance of someone else such as: Bathing and showering Dressing and undressing Eating and drinking Using a toilet Moving from place to place by walking, in a wheelchair, or with a walking aid Options Total and Permanent Disability Insurance has two options depending on your situation. If you are so incapacitated that: Own Occupation – if it is unlikely you will ever be able to work in your own specific occupation Any Occupation – if it is unlikely that you will ever be able to return to work in your own or any other occupation or gainful employment for which you are reasonably suited by education, training or experience Chat to one of your local advisors today to organise a personalised insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- Client Feedback & Reviews | Futurisk Insurance NZ
See what our clients have to say about Futurisk Insurance. Read customer feedback on our insurance and mortgage solutions. Client Feedback Reviews > At Futurisk, you’re not a number to us, you become a friend. We get to know you and your circumstances and support you whenever you need us. Life is sacred Life is sacred and we must do all our best to keep ourselves healthy and strong. But, even in this day and age of advanced technology and medicine, we still cannot guarantee an eternal life or a life that is free of any health issues. In one form or another, our body will just suddenly contract a disease that is unexpected to us whether it is through our doing or just a freak of nature. We see this every day on Facebook. On my timeline, I saw friends, family, relatives, colleagues and classmates in the past and current who suddenly got ill or who suddenly died. And I felt that there is no age, no economic status nor education can save us from neither illness nor death. And I am no different from them. I am just another human who will one day get ill or die. And then I looked at my life and saw my 5 children whom I brought to New Zealand. What will happen to them when I am gone? How are they going to cope in a foreign land all by themselves? That’s when I decided to get a Life insurance. And then one day, I met Financial Adviser of Futurisk Insurance through his son . He advised me that it is also good to have a little bit of help from the insurance while I am alive through the medical condition covered (i.e. progressive care). At least I don’t have to wait to die before I can enjoy the benefits. So that’s when I learned about Sovereign from where I took my Progressive care and Income protection. Then after less than a year of joining Sovereign, a regular smear test changed my life forever. I was suddenly diagnosed with cancer. It was so shocking and unexpected. My life was put on hold. I suddenly stopped working and stopped worrying about bills and everything else around me. All I focused on was to deal with pain and the treatment the Doctors advised me to go through. I was lucky to have met my financial advisor and got my Insurance cover because when I got diagnosed with cancer I felt someone has my back covered for my bills and my extended absence from work. I reached out to my medical condition and work protection cover. It was such a relief that there is someone or something that I can lean on in this difficult time of my life. All I can say is thank you to Futurisk for helping me get my insurance application processed. Insurance is an extra expense but an expense worth spending every dollar for yourself and your family’s future, most especially in times of your need. Loisa Reyes Auckland Best available plan Being a highly-organised and trained planner, and a very practical person to boot, I made sure I acquired different types of insurance so that I will have peace of mind. I saw how Carmela was hardworking and so driven with her job as a financial advisor and I wanted to boost her sales apart from making sure I got covered in all aspects of my life. Knowing that I just about done this, Carmela offered me the best available plan. She wasn't really after making a few bucks from me but showed real concern so I can experience the best benefits. She was even able to convince my husband to get the same insurance coverage. Kudos to Carmela, I now look at financial advisors and insurance coverage in a different light. More power!!! Mayette Cope-Sant Palmerston North Made the process easy I have multiple insurance policies via another insurance provider when I happened to have a discussion with Carmela regarding my search for the right Medical insurance plan for me and my Family. Not only had she gone out of her way to accommodate my crazy schedule, She also made sure that I was aware of the pro's and con's of each product and she really made sure that I had the best fit for my family. About a year after I had signed on with her - I was hospitalized and went into emergency surgery. Not only did Carmela visit and made sure that I was ok, She also made sure I was aware of the other benefits my medical cover had for me. I felt I was more than just a paying client and I felt that I was looked after. I received my renewal for my medical insurance this year and I was more than happy to renew my policy after the outstanding level of customer service I had received from Carmela. She is most definitely an asset to Futurisk and an amazing person to be on your side when facing extreme difficulties. She made the process easy and the policy comprehensible. I am now looking at transferring all my other insurance policies with her since she had shown me exactly how a policy holder is meant to be looked after! Loraine Trinidad Symons Palmerston North Tailor made insurance Dear Futurisk and the team, We were delighted to host Futurisk Insurance at our home and we would like to thank you for your expertise in noticing we were paying far too much on our Life Insurance. Because of this you were able to reduce our monthly payments, plus offer us far better overall health coverage, which will give us peace of mind going forward into the future. Having you actually come to our home is a great asset as we get to talk to you, and the team, face to face and understand, sometimes, complicated workings of settling on a tailor made Insurance, which benefits the individual and allows a more flexible cover. Once again thank you for your help and experience and we would be happy to recommend you to our friends and their friends in the future. Well done Futurisk! Lester & Flora Gaunt Hawera See more reviews Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19
- ACC Cover Plus | Additional Coverage Options | Futurisk NZ
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 Advisors 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 Advisors 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 advisors? Ensure you’re not paying too much for ACC - our advisors will provide clarity and ensure you’re paying the correct amount. Ensure you have the right combination of ACC Cover and Income Cover - our advisors 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 advisors today to organise a personalised Life Insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19
- KiwiSaver Investments & Managed Funds | Futurisk Insurance NZ
Explore KiwiSaver investment options and managed funds with Futurisk Insurance. Secure your financial future with expert guidance in New Zealand. Managed Funds Our Solutions > Kiwisaver/Investments > Managed Funds > Our Qualified Fund Managers, can help you choose the right funds to invest your money in, based on your Investor Profile. Managed Funds Enquire Now Why use our Fund Managers? Get specialised help to create an investment strategy – our Fund Managers can help you choose the right funds to invest your money in. Achieve your savings target – be supported to reach your savings goals. Enquire Now About Managed Funds Managed Funds are a great way for you to invest any surplus income and utilise the skills and experience of a qualified Fund Manager, who will choose the right funds to invest your money in, based on your Investor Profile. Your money will be pooled with other investors’ money and invested in various investments. Minimum account balance is $1,000 and you can make regular deposits and withdrawals (minimum amounts apply). Fees are based on the net asset value of your Funds and you can get the same returns as a good performing KiwiSaver fund, but your funds will not be locked in until you reach retirement age, and you are able to move your investment between the Funds at any time. If you are saving for a large expense in 5 – 20 years’ time, this could be the perfect option for you to watch your money grow and help you reach your financial target. Contact Futurisk to find out more and complete your Investor Profile. Or you can work out your own risk profile at https://sorted.org.nz/tools/investor-kickstarter . We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. Talk to an advisor Enquire Now Freephone 0800 17 18 19