Understanding Changes to Liability Insurance in New Zealand Understanding Changes to Liability Insurance in New Zealand Contact Us What to do if you face a liability claim? Liability claims are often complicated, involving multiple parties and significant costs. Alongside resolving the issue itself, there’s usually the added challenge of protecting your company’s reputation. Reaching a resolution typically requires input from legal and technical experts —fortunately, these costs are generally insurable. Your insurer is experienced in managing these types of claims and is best placed to guide you through the process. To achieve the best possible outcome, it’s essential that we’re involved early. As soon as you become aware of a potential claim — whether it’s legal action, an allegation of wrongdoing, or a demand for compensation — get in touch with your insurance adviser. Importantly, do not admit liability or offer any form of settlement before speaking with your adviser . Early communication gives us the best chance to protect your business and secure the right support from your insurance cover. For more information on changes to the RMA and liability insurance for your company’s protection, contact your Futurisk Insurance Adviser today. If your business relies on liability insurance (and most do), there are some important regulatory changes you need to know about. It’s particularly important to note the changes to statutory liability . Under recent Resource Management Act (RMA) updates, fines have increased significantly, and soon it will not be possible to insure against them. This is a significant shift for businesses that previously relied on insurance to cover regulatory penalties. However, insurance can still cover legal and expert costs if your company faces an RMA prosecution. This operates much like the cover available for breaches of the Health and Safety at Work Act. 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

Insurances You Can’t Live Without – General Insurance Insurances You Can’t Live Without – General Insurance Contact Us Insuring the things you own – contents insurance. While house insurance covers the actual building you live in, Contents Insurance covers the possessions within that building. Usually it’ll also cover those possessions while they’re temporarily out of your home (but not while they’re overseas). Most insurance companies separate Home Insurance and Contents Insurance into two separate policies and will give a discount if you take out both with them. There are two simple mistakes people can make with Contents Insurance policies. The first is to be under insured. The average New Zealander has their home contents insured for around $50,000. The average value of contents within a home in New Zealand is nearer $100,000. That may seem a lot, but take a walk around your home and begin to total up the value of everything you own—from your television to your computer, bedroom furniture, curtains, tools in your garage… it all adds up. The second mistake is to not read and understand your Contents Insurance policy before signing up for it. Many people assume they have a comprehensive policy only to find, at claim time, that it’s quite basic with many things not covered. Insuring your vehicle. To drive without car insurance is very unwise. It has caused many people to fall into debt that becomes very difficult to get out of. There are two main types of car insurance: The first is third party insurance. This is the most basic of policies and will cover any accidental damage you cause to another person’s vehicle or property, but does not cover damage to your own car. The second is comprehensive or full cover vehicle insurance. This covers damage to both your car, and any other vehicles or property you might accidentally damage. Full cover Vehicle Insurance is more expensive than a third party insurance policy, but, unless you can afford to replace or go without your car while, you save for a replacement, you should purchase full vehicle insurance cover. In all of this, remember that insurance is an essential part of your personal finances. Without it you can find yourself in debt; and once in debt, it can be very difficult to escape it. Sometimes it’s easy to feel like insurance is a waste of money, particularly if we’ve never made a claim. Before you get to thinking this way, however, remind yourself what insurance is for. When we purchase insurance, we’re purchasing a product. It’s like when we pay for groceries or petrol or a new television. In the case of insurance, we’re buying protection for our assets and for our financial future. A simple fact of life is this, unfortunate things happen. These things happen when we least expect them, and often catch us completely by surprise. In New Zealand today, one of the most common ways people fall into debt is through the unexpected need to replace a lost or damaged asset that was not insured. Here’s a general rule to bear in mind: anything you need for day to day living, which you could not replace with cash if you lost it, needs to be insured. In general, that boils down to three things: your home, your house contents, and your vehicle. Insuring your home – house insurance. House insurance—everyone has it, right? No. Not everyone does have their home insured. Following the Christchurch earthquakes it was discovered that around 15% of people were not insured and almost half of the homes that were severely damaged, were underinsured. You never know when your home will be damaged or how. Insuring your house: Following the Christchurch earthquakes, insurers have revised their method of assessing a home’s worth. For many years, insurance companies have used a formula based on size, improvements, building materials, etc. to calculate the cost of rebuilding a property. This is about to change. From this year, homeowners will have to state the amount they wish their home to be insured for, and the premiums will be set accordingly. This is good in one sense because it means you will receive the amount of money required to rebuild your home—provided you have insured your home for the proper amount. This new assessment method means you may require a valuation on your home to determine its replacement cost. 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

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 advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Protect your car with comprehensive private motor vehicle insurance from Futurisk Insurance, ensuring peace of mind on New Zealand roads. Private Motor Vehicle Insurance Our Solutions > Personal Insurance > Private Motor Vehicle Insurance > If your car gets damaged or is written off, we’ll make sure you’ve got the cover you need to get you back on the road as soon as possible. Private Motor Vehicle 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 Whether you are zipping around the city in a small car or riding a motorbike, or driving a sleek luxury model, you depend on your vehicle for freedom and flexibility. So, it is important to know that if your vehicle gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type. What can it cover? The cover provided by comprehensive insurance can vary, depending on the policy. Here are some examples of possible cover: Agreed or Market Value Replacement of a lost or stolen vehicle Cover to help pay for the damage you’ve caused to another person’s vehicle or property A replacement of the same make and model for new cars that are written off within twelve months Legal liability cover Broken Windscreens Need Commercial Vehicle Cover? We provide cover for most vehicles used in business throughout New Zealand. Check out our specialised Business Insurance solutions. View Commercial Cover Chat to one of your local advisers today to organise a personalised Motor Vehicle plan. Talk to an adviser 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 adviser 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 advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Get comprehensive rural insurance coverage for farms, agribusinesses, and agricultural operations. Protect your livelihood with Futurisk Insurance. Rural Insurance Our Solutions > Business Insurance > Rural Insurance > Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. Rural Insurance with Futurisk Enquire Now What can it cover? Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. The risks associated with a farm can be very different to a basic domestic policy and often requires specialised policy cover. Our team at Futurisk can provide you with specialised and informed advice relevant to protect you and your farm. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Secure your well-being with our personal insurance services, including life, health, and income protection. Futurisk Insurance offers tailored solutions to safeguard you and your family's future. Personal Insurance options with Futurisk Our Solutions > Personal Insurance > Book a free appointment here General & Domestic Insurance options Home & Contents Insurance Travel Insurance Private Motor Vehicle Insurance Pet Insurance Pleasure Craft Insurance Life & Health Insurance options Life Insurance Total & Permananent Disability Trauma & Critical Illness Income Protection Medical Insurance Mortgage Protection Rural Continuity Business Continuity ACC Cover Plus Chat to one of your local advisers today to organise a personalised insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 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

Explore career opportunities at Futurisk Insurance. Join our team and contribute to providing exceptional insurance services across New Zealand. A career with Futurisk Careers > At Futurisk, we work and grow as a team, together. We continually promote professional growth and development of our associates, advisers and employees by providing continuous training and support. Current Career Opportunities at Futurisk Job title Job description to appear in accordion drop down mode Job title Job description to appear in accordion drop down mode Job title Job description to appear in accordion drop down mode At Futurisk, our employees are our strength and hence when you join Futurisk, you will be looked after. Employee Benefits Why Futurisk Insurance? Apart from getting a competitive salary you will receive access to a range of benefits including: Freephone 0800 17 18 19 Loyalty Leave Additional one off-week loyalty leave after three years/six years/or nine years of continuous service to FUTURISK. Birthday Leave Paid leave on your birthday, each year. Bonus on Xmas $500 additional bonus to all employees. Return to work bonus 8 week's pay on return to work from parental leave (conditions apply) Company Car / Laptop / Mobile phone If you are employed in Sales and need to go out to see/meet clients, we will then provide you with a Company Car / Laptop / Mobile phone. Helping Community Paid day off to help in the community. An awesome culture We live by our core values and are big on celebrating success. Superannuation 5% contribution to your Kiwisaver. Insurance benefits 20% off on all domestic and private motor vehicle policies. Ongoing Learning and Professional Development (including CPD) We will cover all the costs involved in attending any PD days. Insurance Association We will pay all your membership fees towards the industry membership, e.g., FANZ or IBANZ Level 5 Education We will reimburse all the fees and levies in gaining Level 5 education. Study Leave At manager's discretion. Life, Trauma and Disability Insurance Free life, trauma and disability insurance (twice the amount of your annual salary - conditions apply) At Futurisk, we work and grow as a team, together. Get in touch to make an enquiry. Join our team Enquire Now

Looking for expert insurance and mortgage services in Manawatū? Futurisk Insurance provides tailored financial solutions in your local area. Futurisk Manawatū Our Solutions > Manawatu > We are your local Manawatu 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 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz 178 Broadway Ave Palmerston North 4410 PO Box 5252, Terrace End Palmerston North 4441 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 Manawatu Team Based in Palmerston North, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". That’s why our team of financial advisers will always work with you one-on-one to find the insurance solution you need. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. After many years in the industry, our director Joe Singh, founded Futurisk Insurance in 2011. Starting with a small team, Futurisk has expanded and grown into a team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by our friendly administration team, our ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial well being. As we have grown and continue to grow, we have formed strong alliances with the insurance providers, giving us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Mangers (KAM) with these companies who are dedicated in assisting us with processing of the applications and ensuring that policies are issued as efficiently as possible. Our Manawatū Office Meet our Manawatu 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. Joe Singh Director / Financial Adviser 06 358 3400 ext 701 Bio Joe has been in the insurance industry since 2005 and loves helping clients in protecting what matters the most – their health and financial wellbeing. Joe is a Science Graduate with an MBA in Sales and Marketing and has over 20 years of experience in the insurance industry where he has kept himself up to date with industry run courses, CPD credits and has done a Level 5 course in Financial Services. Joe is a Financial Adviser, and specializes in risk management of individuals, families, and business owners. Joe is a proud member of Financial Advice New Zealand (FANZ) and IBANZ and complies with their Code of Ethics in all facets of his business. Joe has also completed the qualifications of being a Trusted Adviser with FANZ. Away from office Joe, enjoys playing Badminton, Tennis and he loves watching Cricket and Rugby! Joe is married to Vijaya and they have one child! Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 021 057 0140 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 Paul Rowe Financial Adviser 06 358 3400 ext 711 Bio I commenced work in the industry in June 1986 as a sole agent for prudential Assurance. In 1995 I saw changes in the market place and thus acquired agency agreements with other Insurance Companies to provide a better service to my clients. I maintain and extend my knowledge through regular attendance at industry seminars. M y success and attitude to personal development has meant attendance at various international conferences and I have gained qualifications both in Life Assurance and Financial Planning (IPAC Securities). My recognition to service and client retention has been rewarded with select membership with APEX (Advisers Performing with Excellence. Email Don Patel Financial Adviser 06 358 3400 Bio I am a Financial Adviser, with 14 years of experience within the Insurance Industry. Lately I have completed my Level 5 certificate in Financial Services. I can give you advice on personal insurances, including but not limited to, Life Cover, Trauma, Total Permanent Disability, Income Protection benefits and Health Insurance. Email Aneesh Philip Financial Adviser – Life and Health 06 358 3400 Bio Aneesh is a dedicated Financial Adviser with over 17 years of experience in the insurance industry. He is passionate about safeguarding his clients' health and financial well-being, which drives his commitment to providing customized risk management solutions. Holding a Science degree and an MBA in Sales and Marketing from SRM University in Chennai, India, Aneesh is deeply invested in continuous professional development. He has completed a Level 5 course in Financial Services from New Zealand, ensuring he remains knowledgeable in the latest industry trends. Based in Wellington, Aneesh specializes in working with individuals and families, helping them address their specific insurance needs while offering peace of mind through tailored advice and strategies. His approach is rooted in building long-term relationships, based on trust, professionalism, and a clear understanding of each client’s insurance needs. Email Hari Mohanan Financial Adviser – Life and Health 06 358 3400 Bio Hari Mohanan is passionate and dedicated to both his profession and his family. With over 1 year of experience in the insurance industry, Hari is driven by a strong desire to help people protect what matters most— their health, financial wellbeing, and future. His commitment to his job allows him to offer tailored insurance solutions for individuals, families, and business owners, ensuring they are well-protected in times of need. Hari holds a qualification in Accounting and a Level 5 qualification in Financial Services. He continuously works to stay up-to-date with industry trends, offering the best solutions to his clients. His work is not just a job; it’s a way for him to serve his community and make a meaningful difference in the lives of others. Outside of work, Hari is a dedicated family man, married to his partner Avani. He loves spending quality time with his family and friends. An avid sports enthusiast, Hari enjoys playing cricket and other games, staying active while having fun. His passion for life, combined with his caring nature, fuels his desire to help people and give back to society in any way he can. Email Monico Santiago III Financial Adviser – Life & Health 027 293 0527 Bio As a seasoned insurance expert with over 10 years of experience in the Philippines, I empower individuals, families, and businesses to secure their financial future and achieve peace of mind. With a proven track record of excellence in sales and marketing, I provide personalized life protection and wealth solutions tailored to each client's unique needs. Licensed in Life, General, and Variable Unit-Linked Insurance in the Philippines, I bring expertise and passion to every conversation. My extensive experience working in both rural and urban communities—catering not only to Filipinos but also to clients from diverse nationalities and cultures—has taught me the importance of accessible, inclusive, and compassionate service. As a top-performing Financial Adviser and Area Manager, I’ve driven business growth, mentored high-performing teams, and earned numerous awards for my dedication to excellence. What sets me apart is my commitment to delivering exceptional client experiences and support. I take the time to understand each client's goals, concerns, and aspirations, providing tailored solutions that protect their loved ones and secure their financial freedom. With a New Zealand Certificate in Financial Services, I specialize in Life, Disability, and Health insurance, ensuring my clients receive expert guidance and peace of mind. Let’s work together to protect your future and achieve your goals. I’m here to listen, advise, and support you every step of the way. Email Jasmine Abad Financial Adviser – Life & Health 027 357 8337 Bio Jasmine Abad started her financial advising career in 2020 in the Philippines during the pandemic and quickly became a Top Rookie nationwide . Her work was recognised by the Million Dollar Round Table (MDRT) , a global standard for high-performing financial advisers, and she also received a GAMA Global Bronze Award for her leadership and client impact. While in the Philippines, Jasmine led a team of financial advisers, supporting them to reach their goals while making sure clients received personalised, professional advice. Now in New Zealand, she continues her passion as a financial adviser , helping clients protect what matters most and achieve their financial goals with care and dedication. Jasmine holds a Bachelor of Science in Psychology and has extensive experience in client relationships, team leadership, and sales. She keeps up with industry developments to ensure her clients have access to informed, practical strategies. Outside of work, Jasmine is a proud mum of two beautiful daughters , enjoys travelling, exploring new experiences, and spending quality time with her supportive husband and family. For her, financial planning isn’t just about numbers, it’s about creating opportunities, protecting what’s important, and making a positive difference in people’s lives. Email Joricel Abad Financial Adviser – Life & Health 027 339 8530 Bio With two years of experience as a Financial Adviser in the Philippines, Joricel has had the privilege of helping many families secure their future through life and health protection. During his time there, he consistently ranked as a top adviser in his branch and received multiple awards for his performance, dedication, and service. Now based in New Zealand, he is committed to continuing that same advocacy, guiding individuals, families, and communities toward financial security and peace of mind. His mission is simple: to make insurance understandable, accessible, and tailored to what truly matters to each client. Whether someone is starting their financial journey or strengthening their existing plans, Joricel is dedicated to helping them protect their future with confidence. Email Don George Financial Adviser - Life & Health 022 325 0220 Bio Don George is a Financial Adviser based in Christchurch, specialising in Life, Health, Trauma, and Income Protection insurance. After building a successful career in business operations, Don transitioned into the insurance industry following real‑life experiences that highlighted the critical role financial protection plays in people’s lives. He holds a Graduate Diploma in Operations and Production Management (Level 7), along with a Certificate in Small Business and Project Management, and brings strong analytical thinking, structured planning, and strategic problem‑solving skills into his financial advisory role. Don firmly believes that insurance is about more than just policies—it’s about protecting families, dreams, and futures. He has completed the New Zealand Certificate in Financial Services (Level 5) – Life, Disability, and Health Insurance, further strengthening his ability to provide thoughtful, tailored advice to his clients. Outside of work, Don is happily settled in Christchurch with his wife Princy and their cheeky son Adam. Jessica Fenn Financial Adviser – General Insurance 06 358 3400 Ext 711 Bio Jessica recently joined our Futurisk General Insurance Team. She migrated from Austria only a few months ago and has 12 years of experience in the insurance branch. Now she started fresh as a Financial Adviser in New Zealand as she has completed her Level 5 New Zealand Certificate in Financial Services. She is eager to learn all about insurance in her new home and gain experience so she can give clients high quality advice in their best interest. In her free time, she likes to make use of the beautiful environment and goes out for nature activities. Email Marilyn Bardell Practice Manager 06 358 3400 ext 706 Bio With over 12 years of experience working in Insurance Brokerages, (9 of these with Futurisk), Marilyn brings a large amount of experience to the Administration team. She works within all of the Futurisk companies, looking after internal compliance & AMLCFT requirements among many other responsibilities. When not at work, she enjoys spending quality time with her animals & family. Email Savannah Clifton Broker Support 06 358 3400 Ext 713 Bio Savannah has recently joined our Palmerston North Fire & General Team; Savannah has a strong background in customer service and is excited to continue her learning in the insurance industry. Savannah brings with her a strong focus on customer service, high attention to detail and a willingness to do the right thing by her clients. Email Catherine Knight Administrator 06 358 3400 Ext 709 Bio Catherine is an experienced administrator with more than 20 years of expertise supporting teams, managing office operations, and delivering high quality support. Originally from Manchester in the UK, she moved t New Zealand a year ago and is enjoying building a new life here with her husband and two children. Catherine loves keeping things organised, supporting her team and helping the workplace run smoothly. She brings a positive attitude, strong communication skills, and a genuine team-focused approach to everything she does. Email Harsha Borse Administrator 06 358 3400 Ext 700 Bio Harsha is an experienced HR and Administration Professional with over 7 years of expertise in managing operations, employee support, and administrative coordination. She completed both her graduation and master’s degree in India, building a strong academic foundation in business and management. Harsha has been part of Futurisk Insurance for more than two years, where she handles New Business Applications, Policy Renewals, Cancellations, and various administrative responsibilities. Known for her organizational skills, attention to detail, and strong work ethic, Harsha plays a key role in ensuring efficient service delivery and smooth workflow across departments. She is committed to supporting both clients and internal teams through reliable, professional, and timely administrative support Outside of work, Harsha enjoys spending time with her family, gardening, and going on outings. Email Get in touch with our Manawatu team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Save money with mortgage refinancing options from Futurisk Insurance. Get better interest rates and reduce your mortgage burden in New Zealand. Refinance your Mortgage Our Solutions > Mortgages > Refinance > Looking for repayments that better suit your budget and lifestyle, or better interest rates? Refinancing your mortgage with the right bank and the right structure can help you save money, pay off your loan faster, and unlock equity to achieve your financial goals- whether it’s investing, renovating, or reducing debt. Refinance & Save. Unlock better rates today! Enquire Now Let’s turn your financial goals into reality - contact us today! Enquire Now Why Refinance with Us? Access competitive rates & lower repayments Reduce your loan term & save on interest Unlock home equity for future opportunities Expert friendly guidance - to help you find the best deal for your needs and make your life easier by letting us do the hard work, so you can enjoy your improved financial position knowing things are being sorted for you with the bank, or other financial provider. Let’s make your dream home a reality! Book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Freephone 0800 17 18 19

Secure your financial future with Total Permanent Disability Insurance from Futurisk Insurance. Get coverage that supports you in case of permanent disability. Total & Permanent Disability Insurance Our Solutions > Personal Insurance > Total & Permanent Disability > Total & Permanent Disability Insurance takes care of you and your family’s future if you become permanently disabled. Total & Permanent Disability Enquire Now Benefits of Total & Permanent Disability Insurance Lump sum cover Cover your Own Specified Occupation Renewable to Age 70 Worldwide coverage What can it cover? Total and Permanent Disability (TPD) provides financial peace of mind by providing a lump sum payment should you become totally and permanently disabled and unable to work as a result of accident or illness. If you are so incapacitated that: a. cannot do your own or another job to which your skills may be suited; or b. cannot perform at least two activities of daily living without the physical assistance of someone else such as: Bathing and showering Dressing and undressing Eating and drinking Using a toilet Moving from place to place by walking, in a wheelchair, or with a walking aid Options Total and Permanent Disability Insurance has two options depending on your situation. If you are so incapacitated that: Own Occupation – if it is unlikely you will ever be able to work in your own specific occupation Any Occupation – if it is unlikely that you will ever be able to return to work in your own or any other occupation or gainful employment for which you are reasonably suited by education, training or experience Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19