Ensure your pets receive the best care with our comprehensive pet insurance policies. Explore coverage options with Futurisk Insurance in New Zealand. Pet Insurance Our Solutions > Personal Insurance > Pet Insurance > Our Pet Insurance provides cover for your cat or dog to remove stress when expensive bills arise. Pet Insurance Enquire Now Benefits with Futurisk Covers veterinary bills such as veterinary consultations, specialist care, surgery and more , which could be very expensive for families to afford. We can help at claim time You choose the excess What can it cover? Whether you own a cat, dog or a horse, we know how important they are to you. Pet insurance provides cover for one’s pets for every step of the way, from when they’re just babies to their later years. It covers veterinary bills such as veterinary consultations, specialist care, surgery and more. These bills can cost thousands of dollars and can be simply too expensive for some families to afford. Chat to one of your local advisers today to organise a personalised Pet Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Contact Futurisk Contact Us > Contact Our Team For Personalised Insurance Solutions - servicing Wellington through to Kapiti, Palmerston North, and Waikato. Our locations Futurisk Manawatu 0800 17 18 19 +64 6 358 3400 enquiries@futurisk.co.nz 178 Broadway Ave Palmerston North 4410 PO Box 5252, Terrace End Palmerston North 4441 Futurisk Waikato 0800 17 18 19 +64 7 929 2296 enquirieswaikato@futurisk.co.nz Unit 4, 310 Tristram Street, Hamilton PO Box 1419, Hamilton Central, Hamilton 3240 Futurisk Kāpiti 0800 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Otaki PO Box 134, Ōtaki 5542 Contact Us Our financial advisers are dedicated to providing exceptional service to our clients when it comes to health and life insurance, business insurance cover, home and contents insurance, and travel insurance coverage. Name* Phone* Email* Message* Submit We offer honest and genuine advice with your best interests at heart. Our passion lies in discovering the best solutions tailored just for you. We've got your back Enquire Now Freephone 0800 17 18 19

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 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 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!

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

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

Travel worry-free with comprehensive travel insurance from Futurisk Insurance. Get coverage for medical emergencies, cancellations, and more. Personalised Travel Insurance Our Solutions > Personal Insurance > Travel Insurance > Personalised travel insurance cover provides cover while you are travelling. Travel 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? Travel Insurance provides cover while you are travelling for risks such as: travel disruption cancellations loss of deposits lost, stolen or damaged luggage emergency hospital and medical expenses, and personal liability during your travel Chat to one of your local advisers today to organise a personalised Travel Insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

How important is third party car insurance How important is third party car insurance Contact Us Should third party car insurance be compulsory? The Government seems to be weakening on this issue. Some politicians are saying they want to see compulsory third party insurance on cars, and most New Zealanders agree with them. What many people don't realise is how inexpensive third-party insurance can be to buy and how expensive having no insurance can be in the event of an accident. I think our family's story should be a warning to every car owner; you may think you'll never have an accident of any sort, but they happen, and when they do, they can be very expensive. Insure your car and avoid debt! If you have a vehicle, insurance is vital. Remember, when you insure something such as a car, it is not the car you are insuring. You are insuring yourself so that, if you cause damage with that car you will not be placed under the pressure of a debt you may never be able to escape from. Vehicle insurance is not about insuring your car - it's about insuring yourself against a lifetime of debt! If you are uninsured because you find it too expensive, phone an insurer and ask for a third-party insurance quote - it's worth it for your own peace of mind. For years people have been writing letters to the editors of newspapers and phoning talkback saying that third party car insurance should be compulsory. We're not going to go into answering that question here, but one thing we do know for sure; if you're driving your car without at least third party insurance, you are crazy!! A lesson learned Let me tell you a story about our youngest daughter's most horrifying moment. We had an old blue Corolla. Three children had learned to drive in it and they were pretty good drivers. It was an old car, but it was a good car. Mechanically, it went well and there was very little evidence of rust. One day our daughter came home, parked the car in the drive and went inside. Minutes later, she heard a crash. She'd forgotten to put the handbrake on! The car had rolled backwards and into our neighbour's house. Amazingly, there was very little damage to the car. However, the house didn't fare so well. The car was now sitting in the front bedroom. The cost to repair the house was $27,000! As I talked with our daughter about this I pointed out, "If you didn't have insurance, you would be paying that off at $100 a week for the next five years." What is third party car insurance? Third party car insurance is insurance you take out to repair or replace any damage you do with your vehicle, it doesn't cover damage to your own vehicle. There are two types of third-party insurance; Basic third party insurance insures the damage you may cause to another person's vehicle or property with the insured car. Third-party fire and theft is slightly more expensive and insures damage to other vehicles, and to yours if your car if it is damaged by fire or stolen. So, while your car isn't covered, any damage your car causes is. That makes third party car insurance ideal for cheaper cars. The Corolla I told you about was only worth $1,000. To insure it was going to be about $500 a year because of the age of our children. Third party insurance, however, was only $150 a year - and it was worth every cent for our family. 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

Does Your Insurance Still Fit? Does Your Insurance Still Fit? Contact Us Get advice – not just a quote The radio is full of advertisements for quick insurance quotes. One promises that three questions is all you need to answer before purchasing a policy. That sounds very convenient, until claim time when you discover the exclusions and fine print conditions contained in many of these quick-sell insurances. Talking with a Futurisk qualified insurance adviser is invaluable. Rather than selling you a quick product, our advisers will walk you through the insurance process, helping you to understand what you’re paying for and explaining the benefits of your insurance protection. We will also compare policies across multiple providers ensuring that you receive the best advice and best value; not the cheapest option, but the policy that best suits your situation. Finding value for money – not the cheapest policy, but the best During tough economic times, it can be tempting to save money by cutting back on, or even cancelling, insurance. Futurisk’s advice is to first carefully consider the cost of not being insured should something happen. We do our best to help you find ways to adjust cover or restructure premiums to keep them affordable. Remember, a well-structured insurance policy is vital for protecting your family’s financial future should something unexpected happen. A Futurisk insurance review doesn’t mean buying more. It means, taking the time to ensure your cover is serving you the best way possible. The bottom line Insurance is there to protect you, your family, and your finances. However, it only works if it’s fit for purpose. A quick review with your Futurisk insurance adviser could make a big difference to both your budget and your long-term security. As the rising cost of living puts pressure on most Kiwi households, it's a good time to examine your regular expenses, and that includes your insurance. Whether it's life insurance, health insurance, income protection, or general cover, everybody’s insurance needs change over time. That means, we all need to review our policies to ensure they still match our circumstances. It could be you are paying for more than you need and could save money. Or it could mean there are gaps in your insurance cover that would leave you financially exposed if something happened. When it’s time you reviewed your insurance cover, here’s a few things to keep in mind. Life changes – so should your insurance cover Major life events can all affect how much insurance you need and yet, many people set up their policies and never give them another thought. Life events affecting your insurance needs include getting married, having children, buying a house, changing jobs, and paying off debt. If you’re paying for cover you no longer need, you can almost certainly reduce your premiums and save money. On the other hand, if your circumstances have changed and your cover hasn’t kept up, you may not be as protected as you think. That means, your insurance premiums may be lower than they should be but, if something goes wrong, you’ll be underinsured and could be out of pocket for years to come. 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

Get in touch with Futurisk Insurance for personalised insurance and mortgage solutions in New Zealand. Contact us today to discuss your financial needs and secure your future. Your Appointment Request Has Been Received Thank you for booking an appointment with Futurisk. We’ve received your request and will be in touch shortly to confirm the details. We look forward to speaking with you and helping you plan for a more secure future. 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 advisers today to organise a personalised insurance plan. Talk to an adviser 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