What is Trauma Insurance and How Does it Work? What is Trauma Insurance and How Does it Work? Contact Us But doesn't ACC provide this cover? New Zealand's ACC scheme provides excellent protection for accidental injuries, helping with treatment costs and replacing up to 80% of lost earnings (subject to eligibility and limits). ACC does not, however, provide cover for serious illnesses such as cancer, heart attack or stroke, nor does it provide a lump sum to help with the broader financial impact these events can have on you and your family. Every year, around 29,700 New Zealanders are diagnosed with cancer, approximately 12,000 are hospitalised following a heart attack, and more than 9,000 experience a stroke. These are the types of serious medical events that Trauma Insurance is designed to help protect against; providing financial support at a time when your focus should be on your health and recovery, not your finances. What about Specific Injury Cover? Specific Injury Cover (sometimes called Accidental Injury Cover) is different from Trauma Insurance. Rather than covering serious illnesses, it provides a lump sum if you suffer certain specified injuries as the result of an accident. Depending on the policy, this may include injuries such as fractures to the collarbone, wrist, forearm or jaw, major ligament or tendon injuries requiring surgery, severe burns, fractures to the hip or pelvis, loss of sight or hearing, or even the loss of a limb. While ACC provides valuable support following an accident, Specific Injury Cover can provide an additional cash payment to help with expenses that arise during your recovery, giving you greater financial flexibility when you need it most. As with all insurance policies, the injuries covered, and the benefit payable, will vary between insurers and policy wordings. Make a difference – Plan ahead One of the benefits of arranging Trauma Insurance while you're young and healthy is the ability to choose level premiums . While stepped premiums generally start at a lower cost and increase as you get older, level premiums are designed to remain relatively stable over time. Although they typically cost more initially, many people choose to level some or all of their Trauma Insurance to help maintain affordability in later years, when the likelihood of needing cover is often greater. The most appropriate premium structure will depend on your age, budget, and long-term objectives, making it an important discussion to have with your Futurisk Financial Adviser. How to select and structure your Trauma Insurance Trauma Insurance isn't a one-size-fits-all product. Depending on the insurer and policy, there are different ways your cover can be structured. Some policies allow multiple claims for different medical conditions over time (often referred to as continuous or reinstatable Trauma Cover). Other policies have different benefit structures, where the amount payable may depend on the seriousness of the covered medical condition. These features can provide greater flexibility and, depending on the policy selected, may also offer a more cost-effective way of protecting yourself against serious illness. Give your Futurisk Financial Adviser a call At Futurisk, we work with a range of leading insurers, each offering different features, benefits and premium structures. Whether you're reviewing your existing cover or considering Trauma Insurance for the first time, a Futurisk Financial Adviser will take time to explain all the available options, help you understand the differences between policies, and work with you to find a solution that suits your needs, budget and stage of life. What is Trauma Insurance and How Does it Work? When people think about insurance, health and life insurance are usually the first types of cover that come to mind. However, Trauma Insurance is another valuable form of protection, and it is often overlooked. Trauma Insurance provides a tax-free lump sum payment if you are diagnosed with a specified serious illness or experience a covered medical event, such as certain cancers, a heart attack, stroke, major organ failure, or other conditions defined in the policy. Unlike health insurance, which helps cover eligible medical expenses, a Trauma Insurance benefit is paid directly to you. This gives you the freedom to use the funds in whatever way best supports your situation, whether that's replacing lost income, meeting mortgage repayments, covering everyday living costs, funding rehabilitation, travelling for treatment, or simply providing financial breathing room while you and your family focus on recovery. At a time when your health and wellbeing need to be the priority, Trauma Insurance can help ease financial stress and provide greater peace of mind when it matters most. Bonus Trauma Insurance cover for your children Many Trauma Insurance policies also automatically include complimentary cover for dependent children when a parent holds Trauma Insurance. While the level of cover and policy conditions vary between insurers, the insurers Futurisk works with generally provide up to $50,000 of Trauma Cover for eligible dependent children at no additional cost. This means, if your child is diagnosed with a serious illness or medical condition covered under the policy, this benefit can provide a tax-free lump sum payment to help ease the financial burden that often accompanies a child's illness. The funds provided by Trauma Insurance can be used in whatever way best supports your family, whether that's allowing you, the parent, to take time off work, covering travel and accommodation costs for specialist treatment, or helping manage additional household expenses. During an already challenging time, this benefit can provide valuable financial support and greater peace of mind, allowing your family to focus on what matters most: your child's care and recovery. As with all insurance policies, benefits, eligibility requirements, and covered conditions vary between insurers and individual policy wordings. 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

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 advisers 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 367 467 +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 Advisers 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 advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Rex Duckett Principal Adviser 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 Adviser 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 Terri Watson Financial Adviser 0800 367 467 Ext 207 Bio Terri has been working in the Financial Services industry since 2011, beginning her career as a Personal Assistant and Paraplanner. In between having and raising her kids, she kept building her experience and knowledge in the industry, which has given her a real understanding of the pressures families can face when it comes to money and protecting what matters most. She is passionate about helping people feel more confident about their financial future, in a way that feels simple and supportive. Terri has a New Zealand Certificate in Financial Services qualification in Life, Health and Disability Insurances and Investments and is about to start working towards her General Insurance qualification On weekends you will find Terri in the garden with the chickens and ducks, watching the kids at football, tennis or ballet, or at Mitre 10 finding the items for her next DIY task. 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

How to combine KiwiSaver and Managed Funds to Build Your Home Deposit How to combine KiwiSaver and Managed Funds to Build Your Home Deposit Contact Us The benefits of a combination of both Managed Funds are a great tool to use in conjunction with your KiwiSaver, especially if you’re saving for a home. Using managed funds alongside KiwiSaver can help in several ways. First, they allow you to invest additional savings beyond KiwiSaver contribution limits or what your employer matches. Second, they provide flexibility because you can access your savings for other priorities, including a home deposit. Finally, they can help keep your savings working for you rather than sitting in a bank account. Why bother with KiwiSaver then? Why not just have a managed funds investment? Those are questions you may be asking right now. The answer is, because your KiwiSaver contribution is matched by your employer. That is a huge bonus and one all employed New Zealanders should be a part of (unless your company participates in a similar savings programme). Making this work KiwiSaver remains an excellent savings tool for first‑home buyers, but it doesn’t have to work alone. Combining KiwiSaver with managed funds can provide flexibility, choice, and a clearer pathway toward home ownership — even when your timeline isn’t certain. We can help Your Futurisk Financial Adviser is only a phone call away and can give advice on how to maximise your savings to secure your future and, if it’s one of your goals, enable you to save for that home deposit that can seem so elusive. How to combine KiwiSaver and Managed Funds to Build Your Home Deposit For many New Zealanders, KiwiSaver plays a key role in saving for their first home because it contains the option to withdraw most of the balance for a first‑home purchase after three years. However, for some people, KiwiSaver alone may not be enough, particularly if house prices continue to rise or personal timelines change. This is where managed funds can be a valuable complement to KiwiSaver savings. What are managed funds? Managed funds are investment vehicles that pool money from multiple investors to buy a diversified portfolio of assets such as shares, bonds, and property. Managed by professional fund managers, they allow investors to buy units in a fund, spreading risk across various investments. They are used for long-term growth, wealth building, or saving for goals. KiwiSaver versus managed funds KiwiSaver is designed primarily as a long‑term retirement savings vehicle. While it can be accessed for a first home, it remains largely locked in until specific criteria are met. Usually this means funds are locked in until you reach retirement age (currently 65 years) or request an early withdrawal (usually only granted in the case of financial hardship). Managed funds, by contrast, offer greater flexibility. They allow you to invest outside of KiwiSaver and generally access your money when you need it. This makes managed funds well-suited for medium‑term goals like building a home deposit. 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 Navigate New Zealand’s Changing Investment Markets. How to Navigate New Zealand’s Changing Investment Markets. Contact Us Equity Market Outlook The NZX 50 index has had some ups and downs lately — you’ve probably noticed your KiwiSaver and other investments dipped slightly in the first quarter of this year. The outlook remains positive, however, and you will have also noticed that, in the past month or two, your investments have started to pick up again. With interest rates coming down, shares are becoming more attractive to investors, and company profits are expected to improve as the economy continues to recover later in 2025. This is good news for investors so keep your eye on your investments. Government Initiatives to Attract Investment A further encouragement for investors is the policies that the government has implemented to attract foreign investment. These include easing 'golden visa' requirements and positioning New Zealand as a 'safe harbour' for investors amidst global economic volatility and uncertainty. Globally, New Zealand is perceived as a socially cohesive, safe, and stable nation which has revitalised the economy and bolster investor confidence. Conclusion So, it’s true that recent shifts in New Zealand's investment markets have caused concern for many. However, the underlying economic indicators and proactive government policies suggest a trajectory towards recovery. At Futurisk, we advise investors to stay informed and, as is always the case with investment funds, maintain a long-term perspective, because the current financial environment presents numerous opportunities for growth and resilience. If you have any questions or concerns about your KiwiSaver or other investments, please give your Futurisk Financial Adviser a call. Caution, not panic is the key. New Zealand's investment markets have experienced notable shifts in the opening months of 2025. Many of these shifts have been as a result of overseas events which are out of our control, such as changes of governments, inter-nation conflicts and changes to international trading conditions. It’s natural that such changes will lead to some investor concern but there’s no need to panic. In fact, at Futurisk, we believe there are real reasons for cautious optimism. Economic Recovery Underway 2024 was a challenging year. Phrases like “looming recession” made many of us nervous and we watched with concern as our investment savings dipped a little. As we progress through 2025, however, the country’s economy is showing definite signs of recovery. In the fourth quarter of 2024, GDP grew by 0.7%, surpassing expectations, with projections indicating growth of 1.4% in 2025 and an acceleration to 2.7% in 2026. On top of this, the Reserve Bank reduced the Official Cash Rate to 3.75% with the aim of stimulating economic activity. 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

Safeguard your home and belongings with comprehensive home and contents insurance from Futurisk Insurance, serving clients across New Zealand. Home & Contents Insurance Our Solutions > Personal Insurance > Home & Contents Insurance > For Owner Occupied, Rental Dwellings and Holiday Homes. Covers you against losses to your most prizes possessions and important assets. Home Insurance Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? After the Canterbury earthquakes, all insurers changed to sum-insured policies. These policies make the owner responsible for calculating the costs to rebuild and insuring it for this amount. As your home is one of your most valuable possessions, insuring it for the right amount is not something you want to get wrong. Sum Sure Calculator This tool can assist in helping you to calculate your home Sum Insured - Sum Sure Calculator . You also want to know that when you need to make a claim, that you have people that will help you get that claim processed as soon as possible. Futurisk can match you up with the provider that will give you the benefits you need when you need them and get you competitively priced premiums and support you through the claims process. Chat to one of your local advisers today to organise a personalised Home & Contents plan. Talk to an adviser Enquire Now Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? If you own a rental property, you are vulnerable to the same risks of any homeowner. You’re also vulnerable to damage that tenants can do to your home and contents. Loss of Rent cover can support during a claimable event when you can’t rent out your property while it’s being repaired or if your tenants break the lease without required notice. It pays to have landlord insurance, which is designed to protect owners of investment properties. Benefits with Futurisk We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess What can it cover? Contents insurance provides protection against damage, theft or loss of your personal possessions. This may include anything from a pair of designer sunglasses to a flatscreen TV, to your furniture. The team at Futurisk will let you know what can be covered, and you can select the excess to reduce your premium. Contents Sum Insured Calculator No more guessing, no more time-consuming calculations, and no more under insurance! Click on the below link to calculate the level of cover you need for your Home Contents - Contents Sum Insured Calculator Freephone 0800 17 18 19 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 Contract Works is an Important cover for commercial, industrial and domestic builders, sub-contractors, and property owners against damage, natural disasters, theft and product or public liability. What can it cover? Depending on your policy, contract works insurance can cover you against: Natural disasters Damage to property Broken glass Defects Liability Landlord’s insurance is designed to protect owners of investment properties. Landlord's Cover Enquire Now Contents Insurance provides cover for accidental loss or damage to your personal belongings. From basic cover to comprehensive cover, landlord contents and holiday home contents. Contents Insurance Enquire Now Important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, theft and product or public liability. Contract Works Enquire Now

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

Access essential information, policy documents, and disclosures related to our insurance services at Futurisk Insurance in New Zealand. Important Information Important Information > Manawatu Disclosure Download Privacy Policy Dowload Waikato Disclosure Download Complaints Policy Download Kāpiti Disclosure Download General Insurance Disclosure Download General Insurance Kāpiti Disclosure Download Freephone 0800 17 18 19

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. Clear Guidance and Outstanding Support Thank you for your excellent support throughout our mortgage process. We really appreciated how clearly you explained everything, your quick responses, and your genuine commitment to helping us make the right decisions. We happily recommend your services to others. I have attached some photos as well. Thank you again. Clyde and Kath 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 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

Five Reasons to See a Mortgage Adviser Before Going to Your Bank Five Reasons to See a Mortgage Adviser Before Going to Your Bank Contact Us 4. Convenience and Time Saving The first time I took out a home loan was a long time ago. I knew little about finance and mortgages, but I was determined to get the best deal. I spent hours collecting brochures from various banks and comparing rates and loan terms. Then I filled out the applications to three different banks hoping that one would approve my loan. It was incredibly time consuming and I was never completely certain I was making the best decisions. A few years later, I was looking to refix and extend my mortgage. I still didn’t know a lot about home loans, but I had been recommended by several friends to use a mortgage adviser. What an incredible difference it was. I had one meeting with an adviser and they did the rest, streamlining the process, saving me time and reducing the stress. If only I knew then what I know today! 5. Ongoing Support Beyond Settlement Personalised support is something the Futurisk Mortgage Broking team prides itself on. You see, a good mortgage adviser doesn’t disappear once your loan is approved. We stay in touch or, if anything changes for you, we’re only ever a phone call or email away. Support includes helping you reassess your mortgage if your circumstances change and checking that your loan remains competitive over time. We are there for refixes and mortgage extensions or if you find yourself in need of financial advice relating to your mortgage. The proactive ongoing support provided by a mortgage adviser can make a big difference to your long-term financial health. Your Mortgage Adviser is your Advocate Banks are important but they’re not always the best starting point when you’re looking to borrow money for a home. A mortgage adviser acts as your advocate with banks and other lenders. We offer choice, expertise, and convenience. If you or someone you know is looking for a mortgage that best fits your life’s circumstances, give Futurisk a call today. You’re looking to purchase a new home and need a mortgage so it’s obvious—you just drop into the bank you’ve always used and ask for a home loan, right? No. Just hang on a second. While many borrowers instinctively turn to their bank when taking out a home loan, there is another way. Working with a mortgage adviser from an independent company such as Futurisk can mean significant advantages. Whether you're a first-home buyer, or looking to buy an investment or holiday property, or wanting to refinance your existing loan, here’s five reasons why meeting with an independent mortgage adviser might be your best course of action. 1. Access to a Range of Loan Products Because banks will only offer their own mortgage products, your options are limited. The bank will prescribe the type of loan, how it is set up, the interest rate, the repayment terms and all other aspects to the loan. Mortgage advisers, on the other hand, have a relationship with multiple lenders. These will include major banks, credit unions, and non-bank lenders. At Futurisk Ltd, we’ll listen to your individual needs, compare a wide variety of loan products, and recommend the one that best suits your financial situation and goals. 2. Potential for Better Rates and Terms The broad network of lenders that a mortgage adviser has access to means they can often negotiate aspects of your loan such as interest rate and loan terms. As mentioned above, at Futurisk, we take time to understand your credit profile, income, budget, and borrowing needs. That means we can match your needs with the loan that is most beneficial to you. 3. Expertise and Support We don’t want to blow our own trumpets, but the clue is in the name; “Mortgage Advisers” are experts in all aspects of mortgages. Rather than telling you what is best for you, a mortgage adviser will guide you through every step of the home loan process—from pre-approval to settlement. We’re mortgage experts who will help you understand the fine print, avoid common pitfalls, and ensure your application is complete and accurate, which can improve your chances of approval. 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 decide before you buy something How to decide before you buy something Contact Us THREE: What will this item really cost me? If ever you decide to buy something on credit, the first question you should ask it this: "What will this actually cost me?" Recently I saw a lap-top that I'd quite like. It cost around $1,000. But there was a deal - the store said I could have it for just $10 a week spread over three years. $10 a week didn't seem much, until I worked it out. Spread over three years, $10 a week is a lot more than $1,000 - it's $1,560! You see what I mean? It wasn't such a great deal after all. I was paying one and a half times what the lap-top would have cost if I paid cash. Avoid purchasing anything on credit, but if you do, calculate the actual cost of the item - it may make you change your mind! FOUR: What can't I have if I buy this? We all have a limited amount of money to spend. That means, when we spend money on one item, we have to go without something else. So, before you buy anything ask yourself, "What is it that I won't be able to afford to buy?" Then ask which of those items you'd rather have. Remember this, if we buy a luxury item with cash, but then have to put our weekly groceries or petrol on our credit card, we have, in effect, gone into debt for that luxury item. FIVE: Will buying this item blow my budget? This question is like a summary question of the previous four. Living without a budget is dangerous for our personal finances. But a budget is only worth anything if we stick to it. So, if you don't have the available money to buy that treat, put off buying it until you do, it could save a lot of heartache in the long term. If you'd like any advice on your personal or business finances, contact the team at Futurisk. "Your money is burning a hole in your pocket." That's a phrase my mother used to use. It's another way of saying, sometimes we just feel like buying something! And, we've all felt like that at some time or another. We're down at the mall and we see something we'd like. We say to ourselves, "I've got to have that, and it only costs..." The reality is this, every time we purchase anything it impinges on our future lifestyle and living standard. That's why we need to pause and ask ourselves a few searching questions before we pull out our eft-pos card. Here's Futurisk's five questions to ask before you buy anything: ONE: Do I really need this? Impulse buying can quickly lead to regret, especially when a credit card is used. While there's nothing wrong with buying the occasional luxury, we need to ensure those purchases are within our budget. The best thing to do is set aside some money for those treat-type items, and stick to your budget no matter what! TWO: If I buy this, will I go into debt? The answer to this question is always, "yes," unless you're buying with cash, eft-pos or debit card, or you can clear your credit card before the next due date. New Zealand is facing a debt crisis and this is the number one way ordinary New Zealanders get themselves into trouble with their personal finances;we overspend on our credit cards. It only takes a small luxury here and another small one there, and before you know it - you're struggling to repay your credit card debt. The simple rule is - avoid going into debt 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

Refinancing, Refixing, or Restructuring Your Home Loan? Refinancing, Refixing, or Restructuring Your Home Loan? Contact Us The right structure can save you thousands The way your home loan is structured can make a huge difference to the amount of interest you pay over time. When structuring a home loan thought needs to be given to: The mix of fixed and floating rates. The length of your fixed terms. Whether or not you would benefit from have a revolving credit facility. Your stage of life and your financial goals. Despite these considerations, many homeowners stick with the same setup year after year, unaware of the potential savings a smarter structure could bring. That’s why it makes sense to let your Futurisk mortgage adviser help you reassess your mortgage structure in light of current rates, lifestyle changes, and financial goals. Peace of mind in uncertain times Finally, a mortgage is the biggest financial commitment most of us will ever make. Let’s face it, even an average sized mortgage is a lot of money. It’s no wonder some people feel overwhelmed. Getting professional advice from your Futurisk adviser will give you confidence that you’re making informed decisions. If you’re about to refix or restructure your home loan, or if you or someone you know is about to take out a new home loan, get the best advice you can – talk to your Futurisk qualified mortgage adviser. Good Advice Matters Good news! Interest rates are finally starting to ease. That means, many Kiwi mortgage-holders are asking whether now is the right time to restructure, re-fix, or refinance their home loans. While lower rates can offer the opportunity to reduce your monthly repayments or pay off your mortgage faster, navigating the options isn’t always straightforward. That’s where good advice from your Futurisk mortgage adviser can make all the difference. Here’s why good mortgage advice is essential: Every mortgage is different Home loans aren’t all the same. That’s because, when setting up a loan, your current financial situation, your long-term goals, and the structure of your existing loan(s) are all taken into account to ensure the best move for the next period of your life. But situations change as we go through various life stages. Depending on your current situation, it may make sense to break your fixed-term mortgage and lock in a lower rate. However, not always. Breaking a loan early can trigger costly break fees that outweigh the savings. You Futurisk mortgage adviser will help you calculate the real costs and benefits, and tailor a strategy that fits your situation—not just for now, but for the years ahead. Timing is everything The Reserve Bank signalling a lowering of the OCR (Official Cash Rate), is good news and we would expect interest rates to gradually trend downwards. During times of adjustment in interest rates, banks move independently and those movements can be unpredictable. So, when should you refix or restructure your loan? The temptation is always to grab a lower interest rate as soon as you see one. However, fixing too soon or for too long can mean missing out on later interest rate decreases. Your Futurisk mortgage adviser will track market trends, explain what’s likely to happen next (although there are never any certainties), and help you strike the right balance between risk and opportunity. 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

Why you should use a broker when purchasing car insurance Why you should use a broker when purchasing car insurance Contact Us They're on your side during a claim Going it alone with an insurer's call centre during what is already a stressful situation can be daunting. It’s great to have someone who’s working for you. If you ever need to make a claim, a broker can act as your advocate with the insurer, helping you understand what's covered, chasing up delays, and pushing back if a claim is disputed. They're understand non-standard or unusual situations If your car insurance situation is less than straightforward, perhaps even a little complicated, brokers are hugely valuable. More complex situations include: Modified, classic, or high-value vehicles. Business or commercial use vehicles. A patchy claims history. Multiple vehicles or a mixed insurance portfolio (car, home, contents, business). Wanting someone who remembers your situation at renewal time and can negotiate rather than starting from scratch each year. The ongoing relationship can be invaluable Unlike a single online quote that is handled as a one-off transaction, a broker relationship continues. Your broker will review your cover at renewal, adjust it as your circumstances change (new car, new address, added driver), and generally act as a long-term point of contact rather than a one-time sale. There they are: five reasons why it’s worth using a broker to find the best car insurance policy for you and your family. Before you buy or renew your car insurance policy, contact your Futurisk Financial Adviser, it could save you time, stress and money. Five Reasons to Use a Broker for Purchasing Car Insurance in New Zealand? Shopping for any insurance is never easy. You’re likely to find yourself bouncing between insurer websites, comparing PDFs full of jargon, and hoping you haven't missed an exclusion that might come back to bite you later on. Car insurance is no different. There are so many products to choose from and so many providers advertising for your business. That’s why it makes sense to contact a broker. A broker takes care of all that research, including considering possible complex needs that some drivers have, and is able to recommend the car insurance product that best fits your needs and may save you money. Here are five reasons why it’s worth using a broker, such as your Futurisk Financial Adviser, to find the best car insurance policy for you and your family. They do the comparison work for you A good broker doesn't just sell you a policy … a good broker will assess your situation, compare options across the insurers they work with, and find cover that actually fits. That means less time reading fine print, greater confidence that you're neither paying for cover you don't need nor missing cover you do need, and often cheaper premiums. They Understand the Fine Print Car insurance policies may look pretty similar on the surface, but they vary more than you might think. Excess structures agreed vs market value, exclusions around modifications, business use, younger drivers—these can all affect how a policy is worded and the premium charged. A broker can translate that jargon into plain English and flag the details that would otherwise catch you out at claim time. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19