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

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

Book a consultation with Futurisk Insurance to discuss personalised insurance and mortgage solutions tailored to your needs in New Zealand. Book an Appointment Book an Appointment > Book an appointment to speak to a local adviser to support you through your insurance or mortgage needs. Book an Appointment Select Service* Appointment Location* Select Date* Select Time* Time : Hours Minutes AM Name* Phone Email* Book 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

Secure your health with tailored medical insurance plans from Futurisk Insurance, providing comprehensive coverage for individuals and families in New Zealand. Medical Insurance Our Solutions > Personal Insurance > Medical Insurance > Health Insurance protects your most valuable asset – your health! Medical Insurance Enquire Now Why Health Insurance? More choice – you choose how you receive treatment, and with your GP or specialist, you decide when and where. Less waiting – while you wait for treatment your health could be deteriorating. If you’re in pain, waiting can be difficult and emotionally draining. Less worry – people often worry when they are waiting for treatment and so do the people who love and support them. You won’t have to worry about having the money to pay for the best treatment. Protects your income - bad health could result in time off work and lost income for you and/or your dependent family members. If you’re paying for treatment yourself, that’s an additional financial burden Access to leading edge treatments - Health practices and treatments are advancing rapidly. Private Health-Insurance can gain you access to treatments that you may not otherwise be able to afford Medical Treatment Facts Currently in New Zealand there is a shortage of senior doctors, a problem that is predicted to result in a shortfall of 670 full-time equivalent senior doctors by 2021. Significant numbers of senior specialist doctors reaching retirement age and lifestyle factors are contributing to the problem Medical emigration to fill demand for specialist doctors internationally is also putting pressure on New Zealand’s supply of specialist doctors in the future. Benefits of Medical Insurance Get an earlier diagnosis and treatment with the right health insurance cover. Easy Access to Specialist. Access to advanced treatments. No Financial Stress. What can it cover? Health insurance takes care of the big things like surgical and non-surgical treatment in a private hospital. It also covers consultation with specialists, medications, dressings, rehabilitation and the cost of staying in a private hospital. It may also include the following: Surgical and Non-Surgical Benefits Cancer Care Overseas Treatment Health Support: Ambulance transfers Home nursing care benefit Physiotherapy Hospice care benefit ACC top up Funeral cover Additional Options: Specialist Option: Provides funds for specialist consultations and diagnostic tests like XRAY, ultrasound or cardiovascular examination. Dental and Optical Treatment: Cover for dental examinations and orthodontic treatments. This plan also covers optometrist and optician consultations, prescription glasses, audiometric tests, acupuncture, chiropractic, osteopathy, podiatry treatments, and speech therapy. GP Options: Provides cover for day to day healthcare costs including GP consultations, GP minor surgeries, pharmaceutical prescriptions, physiotherapy and nurse visits. Pro-Active Health: Provides cover for health screening tests, allergy testing and vaccinations, dietician or nutritionist consultations and even gym membership. Best Doctors: A worldwide network of doctors offering you and your immediate family access to leading specialists from New Zealand and around the world. Excess There are various excess options to choose from to suit your individual requirements without sacrificing essential benefits Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Maximise your KiwiSaver benefits with professional advice from Futurisk Insurance. Get tailored investment strategies for your future financial security. Kiwisaver with Futurisk Our Solutions > Kiwisaver/Investments > Kiwisaver > Futurisk can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you. Kiwisaver Enquire Now Why use our kiwisaver advisers? Understand how a Kiwisaver scheme can benefit you – our advisers will provide advice and an understanding of how Kiwisaver will benefit you, and what process to take to get one setup, or change providers. Get on track to start saving – Our Advisers provide expert advice to get you setup, faster. We Work for You – Our Advisers work as your advocate – actively working on your behalf with the support you need. Enquire Now What is Kiwisaver? KiwiSaver is a voluntary savings scheme to help set you up for your retirement. You can make regular contributions from your pay or directly to your scheme provider. Kiwisaver offers you benefits that no other investment can. When you join a Kiwisaver scheme you will receive: Contributions from your employer (between the age of 18 and 65) Contributions from the Government (between the age of 18 and 65) First home withdrawal (conditions apply) Up to $10,000 first home grant (conditions apply) Your money is held in trust If you are employed you can choose to contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) salary or wage. The earlier you start saving the better off you will be. More about Kiwisaver To find out more about Kiwisaver schemes and funds visit Kiwisaver fund comparisons Our team can provide you with information on how Kiwisaver will benefit you, and help you to decide which fund is most suitable for you and your plans. Talk to an adviser Enquire Now Freephone 0800 17 18 19

See what our clients have to say about Futurisk Insurance. Read customer feedback on our insurance and mortgage solutions. Client Feedback Reviews > At Futurisk, you’re not a number to us, you become a friend. We get to know you and your circumstances and support you whenever you need us. Clear Guidance and Outstanding Support Thank you for your excellent support throughout our mortgage process. We really appreciated how clearly you explained everything, your quick responses, and your genuine commitment to helping us make the right decisions. We happily recommend your services to others. I have attached some photos as well. Thank you again. Clyde and Kath Life is sacred Life is sacred and we must do all our best to keep ourselves healthy and strong. But, even in this day and age of advanced technology and medicine, we still cannot guarantee an eternal life or a life that is free of any health issues. In one form or another, our body will just suddenly contract a disease that is unexpected to us whether it is through our doing or just a freak of nature. We see this every day on Facebook. On my timeline, I saw friends, family, relatives, colleagues and classmates in the past and current who suddenly got ill or who suddenly died. And I felt that there is no age, no economic status nor education can save us from neither illness nor death. And I am no different from them. I am just another human who will one day get ill or die. And then I looked at my life and saw my 5 children whom I brought to New Zealand. What will happen to them when I am gone? How are they going to cope in a foreign land all by themselves? That’s when I decided to get a Life insurance. And then one day, I met Financial Adviser of Futurisk Insurance through his son . He advised me that it is also good to have a little bit of help from the insurance while I am alive through the medical condition covered (i.e. progressive care). At least I don’t have to wait to die before I can enjoy the benefits. So that’s when I learned about Sovereign from where I took my Progressive care and Income protection. Then after less than a year of joining Sovereign, a regular smear test changed my life forever. I was suddenly diagnosed with cancer. It was so shocking and unexpected. My life was put on hold. I suddenly stopped working and stopped worrying about bills and everything else around me. All I focused on was to deal with pain and the treatment the Doctors advised me to go through. I was lucky to have met my financial advisor and got my Insurance cover because when I got diagnosed with cancer I felt someone has my back covered for my bills and my extended absence from work. I reached out to my medical condition and work protection cover. It was such a relief that there is someone or something that I can lean on in this difficult time of my life. All I can say is thank you to Futurisk for helping me get my insurance application processed. Insurance is an extra expense but an expense worth spending every dollar for yourself and your family’s future, most especially in times of your need. Loisa Reyes Auckland Best available plan Being a highly-organised and trained planner, and a very practical person to boot, I made sure I acquired different types of insurance so that I will have peace of mind. I saw how Carmela was hardworking and so driven with her job as a financial advisor and I wanted to boost her sales apart from making sure I got covered in all aspects of my life. Knowing that I just about done this, Carmela offered me the best available plan. She wasn't really after making a few bucks from me but showed real concern so I can experience the best benefits. She was even able to convince my husband to get the same insurance coverage. Kudos to Carmela, I now look at financial advisors and insurance coverage in a different light. More power!!! Mayette Cope-Sant Palmerston North Made the process easy I have multiple insurance policies via another insurance provider when I happened to have a discussion with Carmela regarding my search for the right Medical insurance plan for me and my Family. Not only had she gone out of her way to accommodate my crazy schedule, She also made sure that I was aware of the pro's and con's of each product and she really made sure that I had the best fit for my family. About a year after I had signed on with her - I was hospitalized and went into emergency surgery. Not only did Carmela visit and made sure that I was ok, She also made sure I was aware of the other benefits my medical cover had for me. I felt I was more than just a paying client and I felt that I was looked after. I received my renewal for my medical insurance this year and I was more than happy to renew my policy after the outstanding level of customer service I had received from Carmela. She is most definitely an asset to Futurisk and an amazing person to be on your side when facing extreme difficulties. She made the process easy and the policy comprehensible. I am now looking at transferring all my other insurance policies with her since she had shown me exactly how a policy holder is meant to be looked after! Loraine Trinidad Symons Palmerston North See more reviews Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

Five Reasons to See a Mortgage Adviser Before Going to Your Bank Five Reasons to See a Mortgage Adviser Before Going to Your Bank Contact Us 4. Convenience and Time Saving The first time I took out a home loan was a long time ago. I knew little about finance and mortgages, but I was determined to get the best deal. I spent hours collecting brochures from various banks and comparing rates and loan terms. Then I filled out the applications to three different banks hoping that one would approve my loan. It was incredibly time consuming and I was never completely certain I was making the best decisions. A few years later, I was looking to refix and extend my mortgage. I still didn’t know a lot about home loans, but I had been recommended by several friends to use a mortgage adviser. What an incredible difference it was. I had one meeting with an adviser and they did the rest, streamlining the process, saving me time and reducing the stress. If only I knew then what I know today! 5. Ongoing Support Beyond Settlement Personalised support is something the Futurisk Mortgage Broking team prides itself on. You see, a good mortgage adviser doesn’t disappear once your loan is approved. We stay in touch or, if anything changes for you, we’re only ever a phone call or email away. Support includes helping you reassess your mortgage if your circumstances change and checking that your loan remains competitive over time. We are there for refixes and mortgage extensions or if you find yourself in need of financial advice relating to your mortgage. The proactive ongoing support provided by a mortgage adviser can make a big difference to your long-term financial health. Your Mortgage Adviser is your Advocate Banks are important but they’re not always the best starting point when you’re looking to borrow money for a home. A mortgage adviser acts as your advocate with banks and other lenders. We offer choice, expertise, and convenience. If you or someone you know is looking for a mortgage that best fits your life’s circumstances, give Futurisk a call today. You’re looking to purchase a new home and need a mortgage so it’s obvious—you just drop into the bank you’ve always used and ask for a home loan, right? No. Just hang on a second. While many borrowers instinctively turn to their bank when taking out a home loan, there is another way. Working with a mortgage adviser from an independent company such as Futurisk can mean significant advantages. Whether you're a first-home buyer, or looking to buy an investment or holiday property, or wanting to refinance your existing loan, here’s five reasons why meeting with an independent mortgage adviser might be your best course of action. 1. Access to a Range of Loan Products Because banks will only offer their own mortgage products, your options are limited. The bank will prescribe the type of loan, how it is set up, the interest rate, the repayment terms and all other aspects to the loan. Mortgage advisers, on the other hand, have a relationship with multiple lenders. These will include major banks, credit unions, and non-bank lenders. At Futurisk Ltd, we’ll listen to your individual needs, compare a wide variety of loan products, and recommend the one that best suits your financial situation and goals. 2. Potential for Better Rates and Terms The broad network of lenders that a mortgage adviser has access to means they can often negotiate aspects of your loan such as interest rate and loan terms. As mentioned above, at Futurisk, we take time to understand your credit profile, income, budget, and borrowing needs. That means we can match your needs with the loan that is most beneficial to you. 3. Expertise and Support We don’t want to blow our own trumpets, but the clue is in the name; “Mortgage Advisers” are experts in all aspects of mortgages. Rather than telling you what is best for you, a mortgage adviser will guide you through every step of the home loan process—from pre-approval to settlement. We’re mortgage experts who will help you understand the fine print, avoid common pitfalls, and ensure your application is complete and accurate, which can improve your chances of approval. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

How to decide before you buy something How to decide before you buy something Contact Us THREE: What will this item really cost me? If ever you decide to buy something on credit, the first question you should ask it this: "What will this actually cost me?" Recently I saw a lap-top that I'd quite like. It cost around $1,000. But there was a deal - the store said I could have it for just $10 a week spread over three years. $10 a week didn't seem much, until I worked it out. Spread over three years, $10 a week is a lot more than $1,000 - it's $1,560! You see what I mean? It wasn't such a great deal after all. I was paying one and a half times what the lap-top would have cost if I paid cash. Avoid purchasing anything on credit, but if you do, calculate the actual cost of the item - it may make you change your mind! FOUR: What can't I have if I buy this? We all have a limited amount of money to spend. That means, when we spend money on one item, we have to go without something else. So, before you buy anything ask yourself, "What is it that I won't be able to afford to buy?" Then ask which of those items you'd rather have. Remember this, if we buy a luxury item with cash, but then have to put our weekly groceries or petrol on our credit card, we have, in effect, gone into debt for that luxury item. FIVE: Will buying this item blow my budget? This question is like a summary question of the previous four. Living without a budget is dangerous for our personal finances. But a budget is only worth anything if we stick to it. So, if you don't have the available money to buy that treat, put off buying it until you do, it could save a lot of heartache in the long term. If you'd like any advice on your personal or business finances, contact the team at Futurisk. "Your money is burning a hole in your pocket." That's a phrase my mother used to use. It's another way of saying, sometimes we just feel like buying something! And, we've all felt like that at some time or another. We're down at the mall and we see something we'd like. We say to ourselves, "I've got to have that, and it only costs..." The reality is this, every time we purchase anything it impinges on our future lifestyle and living standard. That's why we need to pause and ask ourselves a few searching questions before we pull out our eft-pos card. Here's Futurisk's five questions to ask before you buy anything: ONE: Do I really need this? Impulse buying can quickly lead to regret, especially when a credit card is used. While there's nothing wrong with buying the occasional luxury, we need to ensure those purchases are within our budget. The best thing to do is set aside some money for those treat-type items, and stick to your budget no matter what! TWO: If I buy this, will I go into debt? The answer to this question is always, "yes," unless you're buying with cash, eft-pos or debit card, or you can clear your credit card before the next due date. New Zealand is facing a debt crisis and this is the number one way ordinary New Zealanders get themselves into trouble with their personal finances;we overspend on our credit cards. It only takes a small luxury here and another small one there, and before you know it - you're struggling to repay your credit card debt. The simple rule is - avoid going into debt View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Refinancing, Refixing, or Restructuring Your Home Loan? Refinancing, Refixing, or Restructuring Your Home Loan? Contact Us The right structure can save you thousands The way your home loan is structured can make a huge difference to the amount of interest you pay over time. When structuring a home loan thought needs to be given to: The mix of fixed and floating rates. The length of your fixed terms. Whether or not you would benefit from have a revolving credit facility. Your stage of life and your financial goals. Despite these considerations, many homeowners stick with the same setup year after year, unaware of the potential savings a smarter structure could bring. That’s why it makes sense to let your Futurisk mortgage adviser help you reassess your mortgage structure in light of current rates, lifestyle changes, and financial goals. Peace of mind in uncertain times Finally, a mortgage is the biggest financial commitment most of us will ever make. Let’s face it, even an average sized mortgage is a lot of money. It’s no wonder some people feel overwhelmed. Getting professional advice from your Futurisk adviser will give you confidence that you’re making informed decisions. If you’re about to refix or restructure your home loan, or if you or someone you know is about to take out a new home loan, get the best advice you can – talk to your Futurisk qualified mortgage adviser. Good Advice Matters Good news! Interest rates are finally starting to ease. That means, many Kiwi mortgage-holders are asking whether now is the right time to restructure, re-fix, or refinance their home loans. While lower rates can offer the opportunity to reduce your monthly repayments or pay off your mortgage faster, navigating the options isn’t always straightforward. That’s where good advice from your Futurisk mortgage adviser can make all the difference. Here’s why good mortgage advice is essential: Every mortgage is different Home loans aren’t all the same. That’s because, when setting up a loan, your current financial situation, your long-term goals, and the structure of your existing loan(s) are all taken into account to ensure the best move for the next period of your life. But situations change as we go through various life stages. Depending on your current situation, it may make sense to break your fixed-term mortgage and lock in a lower rate. However, not always. Breaking a loan early can trigger costly break fees that outweigh the savings. You Futurisk mortgage adviser will help you calculate the real costs and benefits, and tailor a strategy that fits your situation—not just for now, but for the years ahead. Timing is everything The Reserve Bank signalling a lowering of the OCR (Official Cash Rate), is good news and we would expect interest rates to gradually trend downwards. During times of adjustment in interest rates, banks move independently and those movements can be unpredictable. So, when should you refix or restructure your loan? The temptation is always to grab a lower interest rate as soon as you see one. However, fixing too soon or for too long can mean missing out on later interest rate decreases. Your Futurisk mortgage adviser will track market trends, explain what’s likely to happen next (although there are never any certainties), and help you strike the right balance between risk and opportunity. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

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