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

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. Thank you for Getting in Touch We appreciate you taking the time to contact us. Your message has been received, and a member of our team will get back to you as soon as possible. In the meantime, feel free to explore our website to learn more about how Futurisk can help you secure your future. 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

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

Cleaning up after Christmas Cleaning up after Christmas Contact Us The Futurisk plan to escape Christmas debt: Make escaping debt a priority. This is the most important step: make a conscious decision that you are going to do whatever it takes, and make whatever sacrifices you need to make, to get out of debt as quickly as possible. Work out what you can do without. To become debt free as soon as possible will require some short-term sacrifices. Think about some things that you could do without for the sake of being debt free. Maybe you only buy coffee twice a week at work instead of every day. Maybe you don't buy that weekly magazine for a little while. Maybe you don't go out for dinner until the bill is paid. Whatever sacrifice you make, it will be worth it to escape the stress and financial cost of credit card debt. Just make sure you put the money saved towards paying off that debt. Pay off more than the minimum. This is the biggest mistake made by people with credit card debt. They believe that, by paying the minimum payment required each month, the debt will quickly disappear. While it will eventually disappear, it will be a long and costly process. The quicker you pay off debt, the more you save in interest and the better off you are financially. Having decided what sacrifices you will make with your spending, calculate how much you can put towards paying off your debt each month, and stick to it. Don't add any more to your credit card. The temptation is always there to treat yourself. "It's only a few dollars," we say. But all those few dollars add up. When the credit card interest rate is added to that, we are just prolonging our time in debt. Set a goal. Having made the decision to be debt free; and worked out where you can economise; and calculated what is the most you can repay each month; and having determined not to add anything to your card, set a date at which you can be debt free. Circle that date on your calendar or in your diary; keep that date at the forefront of your mind... it's the day you'll feel a great sense of release--you'll be debt free! Celebrate. Being debt free is something worth celebrating. Plan a celebration for the day you pay off your debt - but don't make it an expensive celebration, and don't put the cost of celebrating onto your credit card! The team at Futurisk would love to talk to you about all aspects of your personal finances and insurances. Beware Christmas debt! As we wander around the shopping malls leading up to Christmas, it's so tempting to pull out our credit card to buy gifts and treats for family and friends. Of course, our intention is to quickly pay off the amount owing as soon as we get back to work in the New Year. Problem is, for many New Zealanders that doesn't happen. Some credit card statistics Leading up to Christmas last year the New Zealand Herald reported: New Zealanders were collectively paying more than $600 million a year in interest on personal credit card debt. New Zealanders collectively owed $5.542 billion on plastic cards at the end of July 2012. Of this $5.264 billion was on personal credit cards. Nearly two-thirds of personal credit card debt is incurring interest. Despite credit card rates of just 12% being available, the average interest rate on outstanding balances is 17.8 per cent. That equates to $638 million in payments going into the pockets of financial institutions over the past year. Credit card debt is dangerous Now, I know most people will say, "But I pay off my card every month before it incurs any interest." The reality is, most people don't! Much of the debt loaded onto credit cards occurs in the period leading up to Christmas. Last December, we collectively loaded over 5 billion dollars onto our credit cards. Did we pay it all off within the month? No. In January this year we still owed over 3.5 billion dollars of that, plus the interest it was accruing. Credit card debt is dangerous because of the high interest rate it incurs. For many people, going into debt on their credit card puts them into debt for a long, long time. It makes sense to limit the use of your credit card leading up to Christmas, but just in case it's too late, here are a plan to help you clean up after Christmas if you find yourself in debt when January 2014 arrives. 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

Do you have an emergency nest egg? Do you have an emergency nest egg? Contact Us Most financial gurus and advisers these days recommend having a separate account that’s just for emergencies, and they’re not hard to set up. In fact, most banks will let you do it online. Just log in to your banking website and create a brand new internet account.But having the account is only half the job – now it just needs some money. Because many people live from pay day to pay day, putting a couple of hundred dollars aside into your emergency account is much easier said than done. Instead, consider starting an automatic payment, so every week or fortnight even as little as $5 is transferred into your emergency account without you having to do anything. $5 doesn't sound like much, but within 10 weeks you’ll have more than enough to put petrol in your car and buy some lunch if your pay doesn't come through. One of the key pieces of advice given about keeping an emergency accounts is to make it a little harder to access than your regular accounts. If you had a card in your wallet that had access to your emergency account, the temptation to spend the money would be too great. Instead, make it so that the only way to access that money is to have to transfer it from the special account into your regular account. So next time you need some emergency cash in a hurry, all you’ll need to do is whip out your smartphone, transfer some money and you’ll be away laughing. Earlier this year this was a glitch with ANZ’s payment system, and a whole lot of New Zealanders woke up on payday to discover they hadn't been paid. It didn't take long for the issue to be resolved, and everyone was paid by lunchtime, but the ANZ Facebook page was still inundated with complaints and tales of tragedy as people claimed they were now starving, cold and unable to put petrol in their car because of ANZ’s mistake. If you woke up on payday and found yourself in this situation, what would your day be like? Would you be going to work hungry because you couldn't afford to buy food for lunch? Would you have to walk to work because you had no money to pay for petrol or a bus? Or would you just transfer a few dollars from your emergency account and go on your merry way? For many, waking up on pay day to find their account empty should be a wake-up call, and one of the best things you can do if you’re scared of ever being in this situation is to create an emergency account. 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

Car Insurance hiccups Car Insurance hiccups Contact Us 3. Taking your vehicle off-road Most would assume this rule doesn't apply to them – when was the last time you took your hatchback 4-wheel driving? However, off-road doesn't just mean doing jumps and doughnuts in the mud. If you try to do a U-turn in a paddock and a stampede of cows damages your car, that’s counted as driving off-road. If you park on the beach and your car gets damaged, that’s also counted as off-road, and is all the insurer needs to decline your claim. 4. Driving in unroadworthy conditions If you have an accident and upon assessment your tyres are declared to have had insufficient thread, your claim can be denied. It doesn't matter if you have a Warrant of Fitness, or if bald tyres had nothing to do with your accident. 5. Driving recklessly Burnouts and hand-brakies are a favourite past-time of many young folk these days, but attempting to do a manoeuvre in a car that goes wrong is means to have your claim declined almost immediately. There are a number of key things to remember when driving a car: always put on your seat belt, give way to traffic on the right, and make sure you've read the fine print of your insurance policy documents. These days you’d have to be pretty foolish to drive around without insurance. Damaging your car, or even worse, someone else’s, without insurance is a fast-track to debt. But something so many drivers forget is that even having insurance is not always a get-out-of-jail-free card. Your insurance policy will have so many special clauses and exclusions to give your insurer all they need to deny your claims, and put you out of pocket. Here are a few key exclusions to remember. 1. Breaching license conditions If you’re on a restricted license, and you have an accident while illegally carrying a passenger, your insurance claim can be declined. Even though your passenger had nothing to do with the accident, it still gives your insurer all they need to decline your claim. 2. Not securing your vehicle If your vehicle gets stolen, but you’d left the door unlocked or the window down, that’s another reason to have your claim declined. This one can get a bit tricky because there’s often nothing for the insurer to go on other than your word, so you could say it was locked – but that wouldn't be honest. 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 Strengthen Your Financial Safety Net with Accidental Injury Cover How to Strengthen Your Financial Safety Net with Accidental Injury Cover Contact Us Accidental Injury Cover is typically added to an existing policy, such as Life Cover or Trauma Cover, with a minimum lump-sum amount. If you already have cover in place, you may be able to add this benefit to enhance your protection and build a more comprehensive safety net giving peace of mind that your finances are protected. Whether you're active, out and about working, or simply going about your day, this cover helps enable you to focus on recovery — knowing your finances are supported. How It Works: Tiered Injury Categories Injuries are classified into categories based on severity. The more serious the injury, the higher the payout: Category 1: Minor injuries like a fractured ankle may pay 1–2× your chosen benefit. Category 5: Severe injuries such as permanent loss of hearing in both ears may pay up to 12× your chosen benefit. This tiered approach ensures the financial support reflects the true impact of the injury — whether it’s a temporary setback or a life-altering event. Accidental Injury Cover is a smart, cost-effective way to enhance your protection and gain peace of mind. It’s designed to respond when you need it most — helping you recover with confidence, knowing your financial wellbeing is taken care of. Contact your Futurisk Insurance Adviser to find out more. In New Zealand, ACC provides excellent support for a wide range of injuries. However, it may not cover every expense, and the financial impact of an injury can still be significant. That’s where Accidental Injury Cover (also known as Specific Injury Cover) comes in — offering a valuable layer of protection to help ease the burden. With Accidental Injury Cover, you select the level of your maximum lump-sum payout, and any subsequent payout is then based on the severity of the injury, giving you confidence that your financial support will match the impact of the event. With flexible benefit levels, you can tailor your cover to suit your needs — and it’s surprisingly affordable. Accidental Injury Cover provides a lump-sum payment for specific injuries such as fractures, burns, or the loss of limbs. For example, a hip fracture could trigger a payout of up to three times your selected benefit amount, helping cover medical costs, home support, or lost income during recovery. A lesser or more significant injury would trigger a payout of a lesser or greater amount accordingly. 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 business with tailored insurance solutions from Futurisk Insurance. We offer coverage for various industries across New Zealand. Business Insurance options with Futurisk Our Solutions > Business Insurance > Book a free appointment here Business Insurance options Business Interruption Contract Works Material Damage Cyber Insurance Commercial Motor Vehicle Liability Insurance Rural Insurance Chat to one of your local advisers today to organise a personalised Business 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

Ensure your business can withstand unexpected disruptions with business continuity insurance from Futurisk Insurance. Get expert coverage solutions in New Zealand. Business Continuity Insurance Our Solutions > Personal Insurance > Business Continuity > Business Continuity can protect your business from disruptions caused by sickness and injury. Business Continuity with Futurisk Enquire Now Additional Options Partial Disablement Benefit Provides additional income if owing to a continuation of the disability, you are working less than 20 hours per week and have been totally disabled for a period of at least two weeks. Peak Season Benefit If you are on claim during the pre-nominated three-month peak season period, you receive an additional 25% of the monthly benefit. Business Income Support Should you suffer a serious accident or critical illness and are unable to work long term, you will need cover additional to the Business Continuity Benefit. This cover can provide additional cover benefits and financial support to age 65. Benefits of Business Continuity Worldwide Cover Agreed Value Benefit Guaranteed Benefit Recurrent Disablement Benefit What can it cover? Most businesses protect their physical assets such as plant and equipment but may not protect human assets that are key to keeping their business running profitably. Business Continuity Insurance helps your business by providing monthly payments and support should a key person become disabled or unable to work due to ill-health. Offsets No offsets applied. Business Continuity Cover does not have ACC offset. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4 – 13 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payments period can decrease your premiums. We can offer from 6 – 24 month payment periods to suit your circumstances. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

How to know you have the right insurance cover - Life Insurances How to know you have the right insurance cover - Life Insurances Contact Us Which life-insurance should I go for? Term life insurance or a whole of life policy, which one should you go for? The obvious advantage of a whole of life policy is that it's like a savings account. You pay your premiums, and at a certain age you get something back. The disadvantage is that, for all that time, the premiums are higher. The question to ask when deciding which policy to go for is this, "If I go for the cheaper (term life insurance) policy, what will I do with the money saved?" If the answer is that you would squander it, then an endowment policy with the compulsory savings component is perfect for you. If, however, you're able to be more disciplined and put that money aside in some sort of investment for the future, then you might consider doing that and going for a term life policy. Insurances to protect your income: We almost always insure our most valuable assets-it's crazy not to! So, you've probably taken out insurance on your house, your car, your possessions... but none of these are your most valuable asset. Your most valuable asset is your ability to earn an income, and this needs to be protected because without it, you cannot pay your bills. There are two ways to protect your income: Income protection insurance, sometimes called disability insurance. Most income protection policies will, in the event of you being unable to work as a result of illness or injury, pay you up to 75% of your previous taxable income for a pre-specified term. As part of the policy, you can usually choose a stand-down period of four, eight, or 13 weeks before any income is paid out. The length of stand-down you select will be reflected in the premium you are charged - the longer the stand-down, the lower the premium. So, income protection means you continue to get a weekly payment despite being unable to work. Trauma or crisis insurance, sometimes referred to as critical illness insurance. This policy provides a lump sum on the diagnosis of certain specified critical conditions such as, serious cancer, heart disease and stroke. Some people say, it's like life insurance, but you don't have to die! What this means is, if you're seriously ill and need to take time off work, you'll be paid a lump sum to help with medical expenses, living expenses etc. That lump sum is agreed at the time you purchase the policy and, the greater the lump sum, the higher the policy premiums. So, in short, income protection pays a percentage of your income; trauma insurance pays a lump sum. Do I need to protect my income? The simple answer to this is, "Yes." Everyone needs to protect their income in case of an accident or illness. However, when considering income protection insurance you need to consider the value of it by weighing up your income, occupation and any offsets such as ACC payments and the like. For instance, if you are earning $40,000 per year, it may be that you would be eligible for that amount via a sickness benefit should you become ill. It nullifies the need for income protection insurance. One thing is for sure: Whenever you take out insurance, read all documents carefully so you know what's covered and what's not. To get proper advice on life insurances we recommend that you speak to an accredited insurance agent. Life insurances can be pretty confusing. There are so many products out there, and you never quite know which ones are best for you. And then, having decided on the type of insurance, there's the question of how much should you insure for? And when should you start with life insurance? One thing is for sure, however, living without any form of life-based insurance cover leaves your personal and business finances in a dangerous position. One of the most common ways of falling into debt is through the unexpected need to replace a lost or damaged asset that was not insured, and your greatest asset is your ability to earn. If that was suddenly removed from you, debt could quickly follow. Here's Futurisk's quick guide to life-based insurances. In terms of life-based insurances there are two aspects of cover you should consider to avoid potential debt for yourself or your dependents. The first is life insurance; this protects your dependents in the case of anything happening to you. The second is income protection insurance; this protects you and your dependents in a situation where you are unable to work because of some sort of illness. Let's look at these insurances more closely: Life insurances: The important thing to remember about life insurance is that it's not for you. Sure, it's your life that's insured, but the policy is for the benefit of your dependents. It's to ensure that they are able to live with some quality of lifestyle in the event that you're not there to provide for them. There are two types of life insurance policy: Term life insurance: Term life insurance agrees to pay your dependents or your estate an agreed amount if you die. The policy usually runs for a set term. That means, when you reach a certain age the cover ceases. You know longer pay premiums and you're no longer covered. Most people choose an age of about 65, a time when they no longer have children dependent on them, and have some income because they're receiving the pension. Because the insurance company realises the chance of you dying before this age is relatively slim, premiums are adjusted accordingly. This is why the premiums are usually lower than for the second type of life insurance. Whole of life or endowment insurance: Whole of life insurance (sometimes called endowment insurance) tends to be more expensive than straight life insurance because it combines life insurance with a savings or investment component. Endowment policies still mature when you reach a previously nominated age (usually 65), but you receive a lump sum. At that point the policy and premium payments cease. If you die before reaching that age, your estate receives the agreed insurance pay-out. 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