Protect your income with tailored income protection insurance from Futurisk Insurance. Get financial security in case of unexpected illness or injury. Income Protection Our Solutions > Personal Insurance > Income Protection > Income Protection safeguards your income when you are unable to work. Income Protection with Futurisk Enquire Now Benefits of Income Protection Insurance Worldwide Cover Recurrent Disability Benefit Vocational Training Benefit Home Modification of Equipment Support Bed Confinement Waiver of Premiums Suspension of Cover Benefit Future Insurability Benefit If you are made redundant, you’ll be covered with monthly payments for up to six months. What can it cover? Income protection can provide you with a regular monthly payment if you are unable to work due to sickness or injury. Why Income Protection? After your health, your ability to earn an income is one of your most valuable assets. If your health were to suffer a setback, your finances and lifestyle shouldn’t have to. Types of Insurance Agreed Value: This type of cover provides an agreed monthly benefit based on a proportion of your income (before tax) disclosed at time of application. This means that you don’t need to supply proof of pre-disability income at claim time in order to receive a benefit Indemnity: This type of cover pays monthly benefit based on a proportion of your pre-disability income (before tax) at claim time. The benefit is paid up to a specified selected at the time of application. This means that you need to supply proof of pre-disability income when you lodge a claim. Loss of Earnings: This type of cover offers you the flexibility to chose either an Agreed Value or Indemnity Benefit. At claim time, you have the option to receive an Agreed Value Benefit or you can elect to provide evidence of your pre-disability income in order to receive a potentially higher benefit. What should I know? Offsets Depending on what type of income protection policy you have, some offsets may be applied. Please refer to your policy wordings for further information. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4-104 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payment period can decrease your premiums. We can offer from 1- 5 year payment periods with options for your policy to end at the ages 65 or 70 years old. Chat to one of your local advisors today to organise a personalised insurance plan. Talk to an advisor Enquire Now Freephone 0800 17 18 19

Receive financial protection during major health crises with trauma and critical illness insurance from Futurisk Insurance. Be prepared for life’s uncertainties. Trauma & Critical Insurance Our Solutions > Personal Insurance > Trauma & Critical Illness > Gives you and your family financial flexibility during a serious illness or injury. Trauma & Critical Illness Enquire Now Benefits of Trauma Insurance Lump Sum Payment Built-in Children's Trauma benefit Optional Total and Permanent Disability Benefits. Worldwide Cover What can it cover? Trauma Cover provides a lump sum payment should you suffer one of the covered conditions. The covered conditions are by nature serious and potentially life threatening and as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum payment can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured, among other things. The purpose of the funds is entirely yours to decide.To validate your claim you need to survive 14 days after being diagnosed with a covered condition such as cancer heart attack or stroke. Fixing Trauma & Critical Illness Premiums You can fix your Trauma & Critical Illness 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 advisors today to organise a personalised insurance plan. Talk to an advisor 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 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

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

Navigate the home loan process with ease. Futurisk Insurance provides expert mortgage brokerage services, helping you secure the best mortgage options in New Zealand. Mortgage options with Futurisk Our Solutions > Mortgages > How we can help First Home Buyer Expert advice to help you secure your first home with confidence. Kāinga Ora 5% Deposit Take advantage of government-backed support to make homeownership more accessible. Refinance Find better rates and terms to save money on your existing mortgage. Personal Loan Flexible financing options tailored to your unique needs. Vehicle Loan Drive away with competitive loan options for your next car. Let’s turn your financial goals into reality - contact us today! Enquire Now Why choose Futurisk? Your trusted Mortgage partner At Futurisk, we understand that buying a home - especially as a migrant or first-home buyer - can feel overwhelming. That’s why we’re here to make the process easy, stress-free, and affordable for you! Expert Guidance You Can Rely On We work with multiple lenders to provide honest, unbiased advice tailored to your needs. Our deep understanding of bank requirements means we help you get approved faster and with ease. Save Time and Skip the Stress No more confusing paperwork or endless back-and-forth! We manage the entire process - from applications to negotiations - to ensure your journey to home ownership is smooth and hassle-free. A Smooth & Supportive Journey Navigating the mortgage process especially as a migrant or first-home buyer - can feel overwhelming. That’s why we handle everything - research, paperwork, and communication - so you can focus on finding your perfect home with confidence. We Work for YOU, NOT the Banks Think of us as your personal mortgage advocate - securing the best rates, flexible terms, and a faster approval process to get you into your new home sooner. Our Service is 100% Free for You! That’s right - our expert advice comes at no cost to you! We’re paid by banks and lenders, so you get professional guidance without paying a cent. Making Home ownership & Financial Freedom a Reality! Whether you’re buying your first home, renovating, refinancing, or investing, we’re here to guide you every step of the way. Mortgage solutions Mortgages Kāinga Ora 5% Deposit First Home Personal Loan/Vehicle Loan Refinance Debt Management Personalized Advice – Tailored mortgage solutions to suit your financial goals. Expert Guidance – Helping first-home buyers, migrants, and investors navigate the lending process. Access to the Best Deals – We work with top lenders to find competitive rates and flexible terms. Hassle-Free Process – From pre-approval to settlement, we make the journey smooth and stress-free. Meet our expert Mortgage Advisors! Buying your first home, refinancing, or investing? Our experienced mortgage advisors are here to guide you every step of the way! With in-depth knowledge of the mortgage market and a passion for helping clients achieve their homeownership dreams, our team provides: Robin Varghese BDM / Financial 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 Feeling overwhelmed by mortgages? If your loan application was declined or negotiating with banks feels stressful, don’t settle for less. At Futurisk, we make homeownership easier! Easy & Hassle-Free Mortgages, turning your dream home into reality! Our Partners

Secure your health with tailored medical insurance plans from Futurisk Insurance, providing comprehensive coverage for individuals and families in New Zealand. Medical Insurance Our Solutions > Personal Insurance > Medical Insurance > Health Insurance protects your most valuable asset – your health! Medical Insurance Enquire Now Why Health Insurance? More choice – you choose how you receive treatment, and with your GP or specialist, you decide when and where. Less waiting – while you wait for treatment your health could be deteriorating. If you’re in pain, waiting can be difficult and emotionally draining. Less worry – people often worry when they are waiting for treatment and so do the people who love and support them. You won’t have to worry about having the money to pay for the best treatment. Protects your income - bad health could result in time off work and lost income for you and/or your dependent family members. If you’re paying for treatment yourself, that’s an additional financial burden Access to leading edge treatments - Health practices and treatments are advancing rapidly. Private Health-Insurance can gain you access to treatments that you may not otherwise be able to afford Medical Treatment Facts Currently in New Zealand there is a shortage of senior doctors, a problem that is predicted to result in a shortfall of 670 full-time equivalent senior doctors by 2021. Significant numbers of senior specialist doctors reaching retirement age and lifestyle factors are contributing to the problem Medical emigration to fill demand for specialist doctors internationally is also putting pressure on New Zealand’s supply of specialist doctors in the future. Benefits of Medical Insurance Get an earlier diagnosis and treatment with the right health insurance cover. Easy Access to Specialist. Access to advanced treatments. No Financial Stress. What can it cover? Health insurance takes care of the big things like surgical and non-surgical treatment in a private hospital. It also covers consultation with specialists, medications, dressings, rehabilitation and the cost of staying in a private hospital. It may also include the following: Surgical and Non-Surgical Benefits Cancer Care Overseas Treatment Health Support: Ambulance transfers Home nursing care benefit Physiotherapy Hospice care benefit ACC top up Funeral cover Additional Options: Specialist Option: Provides funds for specialist consultations and diagnostic tests like XRAY, ultrasound or cardiovascular examination. Dental and Optical Treatment: Cover for dental examinations and orthodontic treatments. This plan also covers optometrist and optician consultations, prescription glasses, audiometric tests, acupuncture, chiropractic, osteopathy, podiatry treatments, and speech therapy. GP Options: Provides cover for day to day healthcare costs including GP consultations, GP minor surgeries, pharmaceutical prescriptions, physiotherapy and nurse visits. Pro-Active Health: Provides cover for health screening tests, allergy testing and vaccinations, dietician or nutritionist consultations and even gym membership. Best Doctors: A worldwide network of doctors offering you and your immediate family access to leading specialists from New Zealand and around the world. Excess There are various excess options to choose from to suit your individual requirements without sacrificing essential benefits 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

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 advisors 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 advisor Chat to one of your local advisors 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

Access flexible personal and vehicle loan options with Futurisk Insurance. Achieve your financial goals with our customised financing solutions in New Zealand. Personal & Vehicle Loans Our Solutions > Mortgages > Personal and Vehicle Loans > Personal Loans Enquire Now Secure your personal loan with confidence! Need financial flexibility for unexpected expenses, home renovations, or consolidating debt? We offer personal loans with competitive rates and flexible repayment terms to suit your needs. Whether you're funding a special project, covering medical costs, or achieving personal goals, we're here to help you access the funds you need. With a simple and fast application process, you can get the support you need with ease and peace of mind. Vehicle Loans Enquire Now Get the support you need and book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial 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 Finance your next vehicle with ease! Looking for a new or used vehicle? Whether you're purchasing a car, van, electric vehicle (EV), motorbike, boat, caravan, or motorhome, we’re here to help you secure the financing you need. We offer flexible terms and competitive rates, giving you the confidence to drive away in the vehicle of your choice. Let us guide you through the process with ease, so you can enjoy your new ride sooner!

Book a consultation with Futurisk Insurance to discuss personalised insurance and mortgage solutions tailored to your needs in New Zealand. Book an Appointment Book an Appointment > Book an appointment to speak to a local advisor to support you through your insurance or mortgage needs. Book an Appointment 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

Struggling with debt? Futurisk Insurance provides expert debt management services, helping you regain financial control and restructure your loans. Debt Management with Futurisk Our Solutions > Mortgages > Debt Management > Tailored Debt Management Plans and Debt Reduction Services to get you on the pathway of financial freedom. Debt Management Enquire Now The benefits Imagine paying off your mortgage faster than you initially thought and not paying those overseas lenders all that interest, what could you do with that extra income? Dare to dream! Financial freedom may not be as difficult to achieve as you thought - give Futurisk Waikato a call to arrange a meeting, either at your own home, workplace or another convenient location of your choice. Take the hassle out of managing your finances and become debt-free faster with your own Debt Management Plan. With the right plans in place, you can get the most out of your money instead of the bank. Futurisk Waikato can also help you get the right home loans, and the right insurance cover, so with the help of your own Debt Management plan, you can still be debt free even if a disaster does occur. Enquire Now Why choose Futurisk? One of Futurisk's Insurance Financial Advisers can complete an audit of your income, your expenses, your debts and your plans for the future. This information is then analysed and entered into the Xero accounting program. You will be provided with a personalised Financial Overview of your current financial situation as well a personalised Debt Management Report which will show you how you can achieve your financial goals and save thousands of dollars in interest by becoming debt free faster and more efficiently. Who Keeps track of your Money? We can help you: Get proactive with your money and be in control of your finances Set and achieve financial goals Take the hassle out of managing your finances Save money in Interest costs Pay off your debt faster Increase your wealth / equity The plan process Our Futurisk team use and recommend Debt Management Plans with Xero which will help you manage your household finances like a well run business. It starts with your own Personalised Plan, based on your financial audit Then this plan is entered into a personalised accounting program by Xero, which connects to your online banking, so you are able to run your home finances like a business and monitor and track your progress Then you are provided with Training and Support to help you get the most out of Xero and your Debt Management Plan, including telephone reviews, so you gain equity faster and save time and money in the process! 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

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 advisors today to organise a personalised Life Insurance plan. Talk to an advisor Enquire Now 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 Advisor 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. 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 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 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 Stacey Nevin Financial Adviser – Life and Health plus Investments 06 358 3400 Bio Stacey recently migrated to New Zealand from South Africa in 2023. She has extensive knowledge and experience in all aspects of financial planning spanning over 20 years and holds a Post Graduate Diploma in Financial Planning Law (NQF8). She has also completed her New Zealand Certificate in Financial Services and specialises in insurances and investments. Stacey believes that by empowering people to understanding their financial journey can lead to successful lives for all individuals and their families, businesses and communities. She is passionate about helping people achieve their financial goals and will always have your best interests at heart. Stacey and her family enjoy outdoor adventures and water activities, and you would normally find her out exploring the beautiful landscapes and creating memories. Email John Ricky Mercado Financial Advisor 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 advisors, 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 Advisors! Looking to grow your wealth, plan for retirement, or invest wisely? Our experienced investment advisors 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: