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

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

Seasonal Insurance Tip – Heading into the Cooler Months Seasonal Insurance Tip – Heading into the Cooler Months Contact Us Your One‑Minute Insurance Check Take a moment and ask yourself: Have I bought anything valuable in the last 12 months? Have rebuild or replacement costs increased since my policy began? If I needed to claim tomorrow, would my excess still be affordable? If you hesitated on any of these, it may be time for a quick review – give your Futurisk Financial Advisor a call. Small adjustments now can make a big difference later. Behind the Scenes: Why Clarity Matters As advisers, one of the most important aspects to our role isn’t the help we give at claims time; it’s doing the foundational work to ensure there are no surprises when that moment arrives. Understanding what isn’t covered is just as important as knowing what is. Insurance works best when expectations are clear from the start, allowing you to live each day with confidence rather than uncertainty. Contact your Futurisk Financial Advisor today and ask for a free, no obligation insurance review. Each year, as we move into autumn, we usually see a noticeable rise in home insurance claims, particularly those caused by burst pipes and unexpected water damage. The good news is that many of these claims are preventable. Something as simple as insulating outdoor taps or making sure gutters are clear of leaves and debris can make a powerful difference. A few minutes of preventative care today can save thousands in repairs tomorrow. After all, the easiest claim you’ll ever make is the one you never have to. The Most Common (and Costly) Mistake We See One issue continues to appear time and again: underinsurance, especially when it comes to contents cover. Over the past few years, building costs and replacement values have risen dramatically. What was adequate cover when your policy was set up may no longer reflect today’s reality. A quick review with your Futurisk Financial Adviser could be the difference between peace of mind and a stressful shortfall when you need support the most. 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

How to Navigate New Zealand’s Changing Investment Markets. How to Navigate New Zealand’s Changing Investment Markets. Contact Us Equity Market Outlook The NZX 50 index has had some ups and downs lately — you’ve probably noticed your KiwiSaver and other investments dipped slightly in the first quarter of this year. The outlook remains positive, however, and you will have also noticed that, in the past month or two, your investments have started to pick up again. With interest rates coming down, shares are becoming more attractive to investors, and company profits are expected to improve as the economy continues to recover later in 2025. This is good news for investors so keep your eye on your investments. Government Initiatives to Attract Investment A further encouragement for investors is the policies that the government has implemented to attract foreign investment. These include easing 'golden visa' requirements and positioning New Zealand as a 'safe harbour' for investors amidst global economic volatility and uncertainty. Globally, New Zealand is perceived as a socially cohesive, safe, and stable nation which has revitalised the economy and bolster investor confidence. Conclusion So, it’s true that recent shifts in New Zealand's investment markets have caused concern for many. However, the underlying economic indicators and proactive government policies suggest a trajectory towards recovery. At Futurisk, we advise investors to stay informed and, as is always the case with investment funds, maintain a long-term perspective, because the current financial environment presents numerous opportunities for growth and resilience. If you have any questions or concerns about your KiwiSaver or other investments, please give your Futurisk Financial Adviser a call. Caution, not panic is the key. New Zealand's investment markets have experienced notable shifts in the opening months of 2025. Many of these shifts have been as a result of overseas events which are out of our control, such as changes of governments, inter-nation conflicts and changes to international trading conditions. It’s natural that such changes will lead to some investor concern but there’s no need to panic. In fact, at Futurisk, we believe there are real reasons for cautious optimism. Economic Recovery Underway 2024 was a challenging year. Phrases like “looming recession” made many of us nervous and we watched with concern as our investment savings dipped a little. As we progress through 2025, however, the country’s economy is showing definite signs of recovery. In the fourth quarter of 2024, GDP grew by 0.7%, surpassing expectations, with projections indicating growth of 1.4% in 2025 and an acceleration to 2.7% in 2026. On top of this, the Reserve Bank reduced the Official Cash Rate to 3.75% with the aim of stimulating economic activity. 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

Does Your Insurance Still Fit? Does Your Insurance Still Fit? Contact Us Get advice – not just a quote The radio is full of advertisements for quick insurance quotes. One promises that three questions is all you need to answer before purchasing a policy. That sounds very convenient, until claim time when you discover the exclusions and fine print conditions contained in many of these quick-sell insurances. Talking with a Futurisk qualified insurance adviser is invaluable. Rather than selling you a quick product, our advisers will walk you through the insurance process, helping you to understand what you’re paying for and explaining the benefits of your insurance protection. We will also compare policies across multiple providers ensuring that you receive the best advice and best value; not the cheapest option, but the policy that best suits your situation. Finding value for money – not the cheapest policy, but the best During tough economic times, it can be tempting to save money by cutting back on, or even cancelling, insurance. Futurisk’s advice is to first carefully consider the cost of not being insured should something happen. We do our best to help you find ways to adjust cover or restructure premiums to keep them affordable. Remember, a well-structured insurance policy is vital for protecting your family’s financial future should something unexpected happen. A Futurisk insurance review doesn’t mean buying more. It means, taking the time to ensure your cover is serving you the best way possible. The bottom line Insurance is there to protect you, your family, and your finances. However, it only works if it’s fit for purpose. A quick review with your Futurisk insurance adviser could make a big difference to both your budget and your long-term security. As the rising cost of living puts pressure on most Kiwi households, it's a good time to examine your regular expenses, and that includes your insurance. Whether it's life insurance, health insurance, income protection, or general cover, everybody’s insurance needs change over time. That means, we all need to review our policies to ensure they still match our circumstances. It could be you are paying for more than you need and could save money. Or it could mean there are gaps in your insurance cover that would leave you financially exposed if something happened. When it’s time you reviewed your insurance cover, here’s a few things to keep in mind. Life changes – so should your insurance cover Major life events can all affect how much insurance you need and yet, many people set up their policies and never give them another thought. Life events affecting your insurance needs include getting married, having children, buying a house, changing jobs, and paying off debt. If you’re paying for cover you no longer need, you can almost certainly reduce your premiums and save money. On the other hand, if your circumstances have changed and your cover hasn’t kept up, you may not be as protected as you think. That means, your insurance premiums may be lower than they should be but, if something goes wrong, you’ll be underinsured and could be out of pocket for years to come. View next post At Futurisk, we work for you, not the insurer. So when it’s time to make a claim, we’ve got your back. We’ve got your back Enquire Now Freephone 0800 17 18 19

Navigate the home loan process with ease. Futurisk Insurance provides expert mortgage brokerage services, helping you secure the best mortgage options in New Zealand. Mortgage options with Futurisk Our Solutions > Mortgages > How we can help First Home Buyer Expert advice to help you secure your first home with confidence. Kāinga Ora 5% Deposit Take advantage of government-backed support to make homeownership more accessible. Refinance Find better rates and terms to save money on your existing mortgage. Personal Loan Flexible financing options tailored to your unique needs. Vehicle Loan Drive away with competitive loan options for your next car. Let’s turn your financial goals into reality - contact us today! Enquire Now Why choose Futurisk? Your trusted Mortgage partner At Futurisk, we understand that buying a home - especially as a migrant or first-home buyer - can feel overwhelming. That’s why we’re here to make the process easy, stress-free, and affordable for you! Expert Guidance You Can Rely On We work with multiple lenders to provide honest, unbiased advice tailored to your needs. Our deep understanding of bank requirements means we help you get approved faster and with ease. Save Time and Skip the Stress No more confusing paperwork or endless back-and-forth! We manage the entire process - from applications to negotiations - to ensure your journey to home ownership is smooth and hassle-free. A Smooth & Supportive Journey Navigating the mortgage process especially as a migrant or first-home buyer - can feel overwhelming. That’s why we handle everything - research, paperwork, and communication - so you can focus on finding your perfect home with confidence. We Work for YOU, NOT the Banks Think of us as your personal mortgage advocate - securing the best rates, flexible terms, and a faster approval process to get you into your new home sooner. Our Service is 100% Free for You! That’s right - our expert advice comes at no cost to you! We’re paid by banks and lenders, so you get professional guidance without paying a cent. Making Home ownership & Financial Freedom a Reality! Whether you’re buying your first home, renovating, refinancing, or investing, we’re here to guide you every step of the way. Mortgage solutions Mortgages Kāinga Ora 5% Deposit First Home Personal Loan/Vehicle Loan Refinance Debt Management Personalized Advice – Tailored mortgage solutions to suit your financial goals. Expert Guidance – Helping first-home buyers, migrants, and investors navigate the lending process. Access to the Best Deals – We work with top lenders to find competitive rates and flexible terms. Hassle-Free Process – From pre-approval to settlement, we make the journey smooth and stress-free. Meet our expert Mortgage Advisers! Buying your first home, refinancing, or investing? Our experienced mortgage advisers are here to guide you every step of the way! With in-depth knowledge of the mortgage market and a passion for helping clients achieve their homeownership dreams, our team provides: 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 Feeling overwhelmed by mortgages? If your loan application was declined or negotiating with banks feels stressful, don’t settle for less. At Futurisk, we make homeownership easier! Easy & Hassle-Free Mortgages, turning your dream home into reality! Our Partners

Payment Alternatives Payments > Credit Card Pay your insurance online with a Visa or MasterCard. A convenience fee of 2.7% of the total amount + NZ$0.30 will be applied. We do not receive any income from the convenience fee. Please note: You will need your Policy Number and Transaction Reference Number. It is displayed on your invoice. Pay Now Debit Card Pay your insurance online with a Visa or MasterCard. A convenience fee of 2.7% of the total amount + NZ$0.30 will be applied. We do not receive any income from the convenience fee. Please note: You will need your Policy Number and Transaction Reference Number. It is displayed on your invoice Pay Now Bank Transfer Please don't hesitate to reach out to us at +64 0800 17 18 19, and we'll be delighted to assist you in establishing a bank payment direct debit.

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

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

Six Things Your Bank Will Never Tell You Six Things Your Bank Will Never Tell You Contact Us 4. Bouncing cheques are good for your bank’s business as long as you don’t write too many. Providing there’s no fraud involved, your bank earns big bucks every time a cheque bounces. Not only do they sock you with a fee for the bounced cheque, you'll pay a higher rate of interest if you go over your agreed overdraft. 5. You can pay your entire credit card bill by setting up a direct debit like you do with your power or phone. Banks don’t actively encourage customers to do this. Why should they? They can’t earn interest on your credit card if you pay it off each month. For the bank, the best credit card is one that has money owing on it. 6. Bank advice may be self-interested. Sometimes, when you use your credit card to book overseas travel-related items,you will be charged interest immediately; e.g. if you use your card to book a hotel room for a trip you are to take three months' time, you may be charged interest from the time of booking rather than the time of staying in the hotel. In a similar way, if you rent a car overseas the trader ma reserve an amount of credit to secure their payment or to cover any possible damage to the car etc. That means, you may find when you use the card it has less credit on it than you expected despite you having actually bought anything. Most people know nothing about the lodging security until it's too late. If you are travelling overseas with your credit card, or using it overseas with your credit card, or using it overseas from within New Zealand, it pays to find out first, what the various conditions of use are. So, these are Futurisk's six credit card traps. One thing we cannot stress enough- avoid credit card debt. What if I'm already in debt? If you find yourself struggling with debt right now, contact the team at Futurisk. We may be able to restructure your debt in a way that savs you hundreds, even thousands of dollars. This information is adapted from Consumer Magazine (January/February 2006, Issue 455, Page 23). There’s something every person who uses a bank needs to understand—a bank is a business. It exists to make a profit and it does that by maximising the use of your hard-earned cash. Knowing how they do that could save you money. Here are six things your bank will never tell you: 1. Your bank wants you to overspend and stay in debt. That may sound a little harsh, but that is the simple reality. You see, banks make money from people who are in debt. In fact, if you are $250,000 in debt you are a better customer for a bank than a person with $30,000 cash in their savings account. The more you spend the more interest the bank earns from you. And, if you’re prone to cheques bouncing, or if you don't pay your credit card bill off in full every month, then you are the bank’s best-friend. 2. A bank’s review of your account is really a sales pitch. The bank is thinking of its bottom line, not yours. If you’re offered a review of your finances or get a call from your “personal banker,” then chances are they want to sell you a new product—usually insurance. It could be that the product on offer is good value, but ask yourself two questions: Do I need the product at all? And, is the bank’s product better than the one I already have or can get elsewhere? 3. Banks prefer to keep their savings-rate changes under wraps. When banks advertise new accounts with flash savings rates, they do so to attract new customers. The banks can’t afford to put their existing customers on these new high-flying rates and they often don't tell you about them. That’s why it pays to ask. 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