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

Six Tips to Help You Pay Off Your Mortgage Faster Six Tips to Help You Pay Off Your Mortgage Faster Contact Us 3. Make repayments fortnightly, not monthly Most banks will set up your mortgage with monthly repayments; request fortnightly repayments. What that means is that, over a year, you’ll make 26 half-monthly repayments rather than 12 monthly payments – that’s two extra repayments per year. Over the course of a 30 year mortgage that can save you thousands of dollars. 4. Make lump sum repayments If you have a tax refund or some other windfall, put it on your mortgage. It will go straight towards paying off principal owed and save money on interest repayments. 5. Track your finances Many people could radically improve their personal finances if only they kept track of their income and expenditure – that means, keeping to a budget. Remember, even small amounts of money saved and put on your mortgage can save thousands over the period of your mortgage. 6. Set your mortgage up with part revolving credit Of all the tips to save money on your mortgage, this is the most effective. It can be tricky to set up properly and you may need some financial advice to do it. Once set-up, however, it can save you tens of thousands of dollars and many years of mortgage repayments. The team at Futurisk would love to talk to you about all aspects of your personal finances. Click here to contact Futurisk. I remember when I was about Intermediate School age (a long time ago), my mother would give me $20 each fortnight and I’d take it to the local building society. It was the mortgage money. Having taken out a mortgage, my parents faithfully paid back the required sum every fortnight until every dollar of the interest and principal were paid off. No thought was given to ways of saving on those mortgage repayments. These are, however, simple things you can do to speed up your mortgage repayments saving you both money and time. Here are Futurisk’s six tips to help pay off your mortgage faster: 1. Start early Whatever strategy you decide on, start as early on in your mortgage as you can. In fact, think about how you will repay your home loan before you even sign up for it. Perhaps get some advice from a financial solutions company like Futurisk or from your accountant. This is because, with a table mortgage, which most mortgage-holders will have, the early payments are mostly interest with little principal being repaid. Then, as time goes on, the proportion of interest per payment decreases, and the proportion of principal per payment increases. So, the sooner you begin on a plan to speed up the paying off of your mortgage, the more you save. 2. Each fortnight, pay a little more than the bank asks for If you pay any amount over what the bank asks you to pay on your mortgage, that amount will go straight into lowering the principal owed and therefore lower the interest you are paying. Over the life of your mortgage even a small amount of extra money paid per payment can save tens of thousands of dollars. Here’s another little trick: over time, most mortgage repayments will decrease. Many home owners look forward to this and see it as extra money in their wallet. However, by keeping your repayments the same throughout the life of your mortgage, a lot of money can be saved. 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

Understanding Changes to Liability Insurance in New Zealand Understanding Changes to Liability Insurance in New Zealand Contact Us What to do if you face a liability claim? Liability claims are often complicated, involving multiple parties and significant costs. Alongside resolving the issue itself, there’s usually the added challenge of protecting your company’s reputation. Reaching a resolution typically requires input from legal and technical experts —fortunately, these costs are generally insurable. Your insurer is experienced in managing these types of claims and is best placed to guide you through the process. To achieve the best possible outcome, it’s essential that we’re involved early. As soon as you become aware of a potential claim — whether it’s legal action, an allegation of wrongdoing, or a demand for compensation — get in touch with your insurance adviser. Importantly, do not admit liability or offer any form of settlement before speaking with your adviser . Early communication gives us the best chance to protect your business and secure the right support from your insurance cover. For more information on changes to the RMA and liability insurance for your company’s protection, contact your Futurisk Insurance Adviser today. If your business relies on liability insurance (and most do), there are some important regulatory changes you need to know about. It’s particularly important to note the changes to statutory liability . Under recent Resource Management Act (RMA) updates, fines have increased significantly, and soon it will not be possible to insure against them. This is a significant shift for businesses that previously relied on insurance to cover regulatory penalties. However, insurance can still cover legal and expert costs if your company faces an RMA prosecution. This operates much like the cover available for breaches of the Health and Safety at Work Act. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Futurisk's Hot Tips for Saving Money on your Insurances Futurisk's Hot Tips for Saving Money on your Insurances Contact Us 4. Increase your excess. For most insurances (not life insurance), you will almost always have to pay an excess when you make a claim. By agreeing to pay a little more if and when you make a claim you can often get a discount on your insurance premiums. The one thing to be careful of is that whatever the excess is, you are able to meet that amount should you have to make a claim. 5. Work out the best way to make your payments. Insurance companies will often give a discount if you pay your insurance premiums in a yearly lump sum. That suits some people while others may prefer weekly or monthly payments. You need to do what is best for you. One thing is for sure though; there are savings to be made if you can pay annually. By the way, if you pay yearly it is good to spread the renewal dates for insurances throughout the year. If they all come due in one month it can be quite a stretch financially. 6. Review your insurances regularly. I can say with a degree of certainty that most people, if they haven't reviewed their insurances in the last three years or so, can save money by getting new quotes and reinsuring. It's worth taking an hour or so occasionally to contact a few insurance companies and ask for quotes on your insurance needs, in particular, vehicle, house, and contents insurance. 7. Go with one company. Many insurance companies will give generous discounts if you place all your vehicle, house, and contents insurances with them. When you buy an insurance policy, make sure you ask the question, "What discount will you give me if I put all my policies with your company?" 8. Use an expert! There is nothing like an expert to define what you require and discover where the best price can be found. Find a broker you can trust and get him/her to regularly review your insurances. If we were buying a new appliance or vehicle, we'd shop around. If we wanted some new computer gear or were renovating our kitchen, we'd look for the best deal. So why don't we do that with insurance? It seems many New Zealanders think of insurance as coming in a fixed package at a fixed price, but there are some practical things you can do to save money on your insurances. Here are six hot tips. 1. Work out what you need. Insurance premiums are calculated on the value of what you insure, so the higher the value, the higher the insurance premiums. To insure something for more than what it's worth means you are throwing away money every month. Whether it's for your life, car, home, contents or something else, work out what you want insured and how much it is worth. Don't be one of those people who waste money by over-insuring and so paying premiums that are higher than they need be. Also be careful not to risk a financial crisis by under-insuring and receiving money that doesn't cover the loss of an item. 2. Get quotes. If you are arranging your own insurance, get quotes from a few different companies. Especially for vehicle and house and contents insurance - the cost can vary greatly from company to company. One good way to know if you are getting a good deal is to work through a broker. They have usually sourced the best deals and may even be able to offer discounts because of the number of deals they put through. Remember though, the cheapest price may not equate to the best deal. That's where tip number three comes in. Read on.... 3. Make sure you know what you're buying. 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

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

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

Explore KiwiSaver investment options and managed funds with Futurisk Insurance. Secure your financial future with expert guidance in New Zealand. Managed Funds Our Solutions > Kiwisaver/Investments > Managed Funds > Our Qualified Fund Managers, can help you choose the right funds to invest your money in, based on your Investor Profile. Managed Funds Enquire Now Why use our Fund Managers? Get specialised help to create an investment strategy – our Fund Managers can help you choose the right funds to invest your money in. Achieve your savings target – be supported to reach your savings goals. Enquire Now About Managed Funds Managed Funds are a great way for you to invest any surplus income and utilise the skills and experience of a qualified Fund Manager, who will choose the right funds to invest your money in, based on your Investor Profile. Your money will be pooled with other investors’ money and invested in various investments. Minimum account balance is $1,000 and you can make regular deposits and withdrawals (minimum amounts apply). Fees are based on the net asset value of your Funds and you can get the same returns as a good performing KiwiSaver fund, but your funds will not be locked in until you reach retirement age, and you are able to move your investment between the Funds at any time. If you are saving for a large expense in 5 – 20 years’ time, this could be the perfect option for you to watch your money grow and help you reach your financial target. Contact Futurisk to find out more and complete your Investor Profile. Or you can work out your own risk profile at https://sorted.org.nz/tools/investor-kickstarter . 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

Secure your well-being with our personal insurance services, including life, health, and income protection. Futurisk Insurance offers tailored solutions to safeguard you and your family's future. Personal Insurance options with Futurisk Our Solutions > Personal Insurance > Book a free appointment here General & Domestic Insurance options Home & Contents Insurance Travel Insurance Private Motor Vehicle Insurance Pet Insurance Pleasure Craft Insurance Life & Health Insurance options Life Insurance Total & Permananent Disability Trauma & Critical Illness Income Protection Medical Insurance Mortgage Protection Rural Continuity Business Continuity ACC Cover Plus Chat to one of your local advisers today to organise a personalised insurance plan. We are local financial advisers who live and work in your community Enquire Now Freephone 0800 17 18 19 Why choose a Futurisk Adviser? At Futurisk, we work for you, not the insurer or the bank. We are local financial advisers who live and work in your community. We guide you to the right solution, at the right price. And when it’s time to claim, we’ve got your back. Find out more

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

Protect your income with tailored income protection insurance from Futurisk Insurance. Get financial security in case of unexpected illness or injury. Income Protection Our Solutions > Personal Insurance > Income Protection > Income Protection safeguards your income when you are unable to work. Income Protection with Futurisk Enquire Now Benefits of Income Protection Insurance Worldwide Cover Recurrent Disability Benefit Vocational Training Benefit Home Modification of Equipment Support Bed Confinement Waiver of Premiums Suspension of Cover Benefit Future Insurability Benefit If you are made redundant, you’ll be covered with monthly payments for up to six months. What can it cover? Income protection can provide you with a regular monthly payment if you are unable to work due to sickness or injury. Why Income Protection? After your health, your ability to earn an income is one of your most valuable assets. If your health were to suffer a setback, your finances and lifestyle shouldn’t have to. Types of Insurance Agreed Value: This type of cover provides an agreed monthly benefit based on a proportion of your income (before tax) disclosed at time of application. This means that you don’t need to supply proof of pre-disability income at claim time in order to receive a benefit Indemnity: This type of cover pays monthly benefit based on a proportion of your pre-disability income (before tax) at claim time. The benefit is paid up to a specified selected at the time of application. This means that you need to supply proof of pre-disability income when you lodge a claim. Loss of Earnings: This type of cover offers you the flexibility to chose either an Agreed Value or Indemnity Benefit. At claim time, you have the option to receive an Agreed Value Benefit or you can elect to provide evidence of your pre-disability income in order to receive a potentially higher benefit. What should I know? Offsets Depending on what type of income protection policy you have, some offsets may be applied. Please refer to your policy wordings for further information. Waiting periods The length of time between you becoming disabled and the time when you are eligible to receive a claim payment can vary to suit your personal requirements. Longer waiting periods can decrease your monthly premiums. We can offer waiting periods from 4-104 weeks. Benefit Payment Periods You can select the amount of time you receive payments. Selecting a shorter benefit payment period can decrease your premiums. We can offer from 1- 5 year payment periods with options for your policy to end at the ages 65 or 70 years old. Chat to one of your local advisers today to organise a personalised insurance plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

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