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

Protect your car with comprehensive private motor vehicle insurance from Futurisk Insurance, ensuring peace of mind on New Zealand roads. Private Motor Vehicle Insurance Our Solutions > Personal Insurance > Private Motor Vehicle Insurance > If your car gets damaged or is written off, we’ll make sure you’ve got the cover you need to get you back on the road as soon as possible. Private Motor Vehicle 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 Whether you are zipping around the city in a small car or riding a motorbike, or driving a sleek luxury model, you depend on your vehicle for freedom and flexibility. So, it is important to know that if your vehicle gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type. What can it cover? The cover provided by comprehensive insurance can vary, depending on the policy. Here are some examples of possible cover: Agreed or Market Value Replacement of a lost or stolen vehicle Cover to help pay for the damage you’ve caused to another person’s vehicle or property A replacement of the same make and model for new cars that are written off within twelve months Legal liability cover Broken Windscreens Need Commercial Vehicle Cover? We provide cover for most vehicles used in business throughout New Zealand. Check out our specialised Business Insurance solutions. View Commercial Cover Chat to one of your local advisers today to organise a personalised Motor Vehicle plan. Talk to an adviser 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

Access flexible personal and vehicle loan options with Futurisk Insurance. Achieve your financial goals with our customised financing solutions in New Zealand. Personal & Vehicle Loans Our Solutions > Mortgages > Personal and Vehicle Loans > Personal Loans Enquire Now Secure your personal loan with confidence! Need financial flexibility for unexpected expenses, home renovations, or consolidating debt? We offer personal loans with competitive rates and flexible repayment terms to suit your needs. Whether you're funding a special project, covering medical costs, or achieving personal goals, we're here to help you access the funds you need. With a simple and fast application process, you can get the support you need with ease and peace of mind. Vehicle Loans Enquire Now Get the support you need and book a free consultation with one of our friendly mortgage experts today. Book a Consultation Robin Varghese BDM / Financial Adviser 06 358 3400 ext 712 Bio With 9 years of experience in the insurance and mortgage industry, I specialize in guiding individuals and families toward making informed financial decisions. My goal is to simplify the complexities of mortgages and insurance, ensuring you find the right solutions tailored to your unique needs. I pride myself on providing personalized, transparent, and reliable advice to help clients achieve financial security and homeownership with confidence. Whether you're a first-time buyer, looking to refinance, or seeking comprehensive insurance coverage, I’m here to help every step of the way. I am dedicated family man, married to Jesteena and is a lovely dad to his daughters Hannah and Isa. Whether it be support or someone reliable, honest, and trustworthy i provide you with a service you deserve every time. Email Carmela Laylo BDM / Financial Adviser 06 358 3400 ext 703 Bio Carmela migrated to New Zealand from the Philippines in 2012. Her passion for creating a positive impact not only to her fellow Filipinos, but also to all people from diverse cultures and background, has led her career in the Insurance Industry. In 2013, she started as an insurance broker doing personal risk management and two years after, she accepted the role of a Business Development Manager (BDM) managing her own team of advisers. As a BDM, she works with her team to come up with marketing ideas that could help Futurisk to grow. Because she realized that there is still a wide range of options to open more opportunities, in 2016, she decided to add Mortgage in her portfolio pursuing her passion to help more people not only to protect their assets, both tangible and intangible, but also to achieve their dream of home/investment ownership. Carmela has received her bachelor's degree in Foreign Service with major in International Trade from Lyceum of the Philippines University. She has gained over 15 years of sales, customer service and management experience from her previous local and international professional exposures. She keeps herself updated with the insurance and mortgage industry by attending regular trainings and seminars and earning CPD credits as well as completing other industry requirements. As the industry is constantly evolving, with new products and technologies always being introduced in the market, Carmela makes sure that she is always on top of everything to provide the best possible service to her clients. She makes things happen and is not afraid of hard work but believes that life should be fun, too! Carmela is involved with beauty pageants and fashions shows, she loves to read, sing, socialize and explore the world! Outside work, she loves to spend her time with her loving and supportive husband, Richard and three lovely kids, Kian, Karl and Kayla. Email Mark Henderson Director / Financial Adviser 07 929 2296 Bio Mark is the Principle Adviser for Futurisk Waikato and has been involved in the financial services industry since 2003 after working in various roles within NZ post for over 16 years. He lives in Hamilton with his wife. Mark has 2 adult sons and loves spending time with his grandchildren. Mark is keen on most sports and enjoys competing in Masters Athletics. Mark is a proud member of Financial Advice New Zealand (FANZ) and complies with their Code of Ethics in all facets of his business. He has also completed the Trusted Adviser qualifications, with them. Email Freephone 0800 17 18 19 Finance your next vehicle with ease! Looking for a new or used vehicle? Whether you're purchasing a car, van, electric vehicle (EV), motorbike, boat, caravan, or motorhome, we’re here to help you secure the financing you need. We offer flexible terms and competitive rates, giving you the confidence to drive away in the vehicle of your choice. Let us guide you through the process with ease, so you can enjoy your new ride sooner!

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

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

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

Get comprehensive rural insurance coverage for farms, agribusinesses, and agricultural operations. Protect your livelihood with Futurisk Insurance. Rural Insurance Our Solutions > Business Insurance > Rural Insurance > Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. Rural Insurance with Futurisk Enquire Now What can it cover? Rural Insurance is specially worded and created policies to cover your farm and lifestyle risk, whether it be liability, farm assets, house, contents, private or farm motor vehicles. The risks associated with a farm can be very different to a basic domestic policy and often requires specialised policy cover. Our team at Futurisk can provide you with specialised and informed advice relevant to protect you and your farm. 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 boat is protected with specialised pleasure craft insurance from Futurisk Insurance, offering tailored coverage for New Zealand's boating enthusiasts. Pleasure Craft Insurance Our Solutions > Personal Insurance > Pleasure Craft Insurance > Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Pleasure Craft Insurance Enquire Now Benefits with Futurisk Covers marine vessels used for private purposes, e.g. yachts, cruisers, wave riders, jet skis, dingy’s and sail craft Helps protect you if you accidentally injure someone or damage their property with your boat We can help at claim time Let someone else pay to replace or repair your valuable possessions You choose the excess Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril. Boat insurance may also help protect you if you accidentally injure someone or damage their property whilst using your boat. Chat to one of your local advisers today to organise a personalised Pleasure Craft plan. Talk to an adviser Enquire Now Freephone 0800 17 18 19

Grow your wealth with KiwiSaver investment options tailored to your financial goals. Get expert advice on retirement planning with Futurisk Insurance. Kiwisaver/Investment options with Futurisk Our Solutions > Kiwisaver/Investments > Feeling uncertain about investing? Not sure where to start or which option suits you best? At Futurisk, we make investing easy with expert guidance on KiwiSaver, Managed Funds, Term Deposits, and more - helping you grow and protect your wealth for the future! Smart Investing Made Simple - Secure Your Financial Future with Confidence! Managed Funds Managed Funds offer a flexible way to invest in a professionally managed portfolio of assets, including stocks, bonds, and property . With our qualified Investment Advisers, you can: Invest in a diversified portfolio tailored to your risk appetite and financial goals. Enjoy hands-free investment management , where experts handle the decision-making for you Choose from different fund types, from low-risk conservative funds to high-growth funds for better returns. Kiwisaver KiwiSaver is a long-term savings scheme designed to help New Zealanders save for retirement or their first home. We provide expert advice on how KiwiSaver works, its benefits, and how to maximize your contributions. Our team will help you: Choose the right KiwiSaver provider and fund that aligns with your risk profile and financial goals. Understand government contributions and employer benefits to get the most out of your savings. Determine whether you qualify for KiwiSaver first-home withdrawal and other incentives. Term Deposits Term Deposits – Building wealth isn’t just about where you put your money - it’s about having a clear financial plan. Our investment planning services help you: Identify the best investment options based on your income, expenses, and future goals. Create a personalized investment strategy that balances risk and reward. Continuously monitor and adjust your investments to keep you on track toward financial independence. Retirement Savings Secure Your Future with Confidence! Planning for retirement is crucial to ensure you maintain your desired lifestyle in the future. We help you:
 Calculate how much you'll need for retirement and create a customized savings plan. Invest in long-term solutions that provide stable income streams for retirement. Make smart decisions today so you can enjoy financial security when you stop working. Find out more Find out more No matter where you are in your financial journey, Futurisk is here to guide you in making informed decisions and reaching your goals. Start Your Investment Journey Today! Enquire Now 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 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 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 John Ricky Mercado Financial Adviser 06 358 3400 ext 716 Bio With over 5 years of expertise, John Ricky Mercado is a devoted insurance professional. He has a Master of Business Administration and a Postgraduate Diploma in Contemporary International Studies, which gives him an in-depth awareness of the beauty of insurance. John is really committed to using his knowledge and expertise to provide valuable financial advice to people from all walks of life. His profession is driven by a firm belief in the importance of financial security for all. Email Freephone 0800 17 18 19 Here’s how we can support your financial journey: KiwiSaver Grow your retirement savings with expert advice on selecting the right fund for your needs. Futurisk can provide you with information on how Kiwisaver will benefit you with your retirement savings or saving to buy your first home, and help you to decide which fund is most suitable for you Managed Funds Diversify your portfolio with professionally managed investments designed to maximize returns. Our qualified Investment Advisers can help you to achieve your savings goals buy choosing the right funds to invest your money in, based on your Investor Profile. Term Deposits Enjoy stable and secure growth with fixed-term investments offering competitive interest rates. Enjoy stable, low-risk growth with fixed-term investments that offer competitive interest rates. Whether you're looking for short-term security or long-term stability, we help you find the best term deposit options that align with your financial plans. Investment Planning Customized strategies to help you build wealth and achieve your financial goals. We assess your financial situation, risk appetite, and long-term goals to create an investment plan that helps you achieve financial independence with confidence. Retirement Savings Secure your future with tailored investment solutions that align with your lifestyle and aspirations. We help you develop a savings plan that ensures you have the funds to maintain your desired lifestyle when you retire. Why choose Futurisk? Your trusted investment partner At Futurisk, we know that growing your wealth can feel overwhelming - especially with so many options like KiwiSaver, Managed Funds, and Term Deposits. That’s why we’re here to guide you every step of the way, making investing simple, strategic, and stress-free. Expert Guidance for Smarter Investments We provide honest, unbiased advice tailored to your financial goals. Whether you're planning for retirement, building savings, or growing your portfolio, we help you make informed and confident investment decisions. Save Time & Maximize Returns No more guesswork! We help you navigate the investment landscape, ensuring your money is working harder for you with the right strategies and opportunities. A Secure & Future-Focused Approach Investing should be safe, smart, and sustainable. We focus on long-term growth and financial security, giving you peace of mind for the future. As independent advisers, we’re committed to finding the best investment solutions that fit your needs - not what benefits financial institutions. Start Investing with Confidence! Let’s build your financial future together. Let us help you take control of your financial future. Get in touch today! Enquire Now Our Partners Personalized Investment Strategies – Tailored solutions to align with your risk tolerance and long-term goals. Expert Financial Guidance – Whether you're a first-time investor or looking to diversify, we provide insights to make informed decisions. Access to Top Investment Options – We connect you with KiwiSaver, Managed Funds, Term Deposits, and other opportunities to maximize returns. A Seamless, Stress-Free Experience – From planning to execution, we simplify the investment process so you can build your future with confidence. Meet our expert Investment Advisers! Looking to grow your wealth, plan for retirement, or invest wisely? Our experienced investment advisers are here to guide you every step of the way! With deep expertise in financial markets and a commitment to helping clients achieve financial security and growth, our team offers:

Futurisk Insurance offers expert insurance and mortgage solutions for Kāpiti residents. Get personalised financial advice today. Futurisk Kāpiti Our Solutions > Kāpiti > We are your local Kāpiti advisers who live and work in your community. We work for you, not the insurer or the bank. We’ll guide you through insurance and mortgage solutions with honesty you can trust and advice you can count on. Contact 0800 367 467 +64 6 364 6123 enquirieskapiti@futurisk.co.nz 153 Main Highway Ōtaki PO Box 134, Ōtaki 5542 Enquire Now A partner of choice We strive to be partner of choice - for our customers, insurance companies and employees looking for long-term relationships built on a foundation of trust. Our Values, Ethics, Morals, and Integrity - at Futurisk these are the most important factors of our business. Our dedicated team support one another - we learn together, and share each other’s success! We have high standards of achievements and have commitment to the company. We keep our Advisers well informed - they receive continuous education for new products that come up onto the marketplace, we hold regular team meetings, extensive trainings and outings. Our Kāpiti Team Based in Ōtaki, Futurisk Insurance is an insurance brokerage company dedicated to providing "personalised service for a personalised solution". To us, you're not just a policy number, you're our valued client. We are an independent insurance brokerage company which means we do not work for the insurance companies and can find you the best possible insurance solution. Our Principal Adviser, Rex Duckett began his journey in the financial services industry in 1989. Rex started out with two phonebooks, an Insurance Rate book, and an idea. With these 3 books and a lot of hard work and late nights, he built a successful business and friendships that would last a lifetime. After so many years in the industry and two office locations, Ōtaki and Levin, Rex decided to amalgamate with Joe Singh from Futurisk Insurance Ltd and they have created a new and improved company, Futurisk Insurance (Kāpiti) Ltd. Rex is happy to align his business with Futurisk and be a part of an expanded and growing team of professional and friendly advisers who are dedicated to putting in place and improving our new and existing clients’ insurances. Supported by a friendly administration team. Futurisks ambition is to provide the best possible service to all clients, helping them understand their insurances and protecting what matters the most - their health and financial wellbeing. By aligning these businesses, it has allowed us to utilise the strong alliances we have formed over time with various insurance providers and giving us access to new providers already working with Joe, this helps give us security and the right tools to put the best covers into place for our clients in a timely manner. We also have been assigned Key Accounts Mangers (KAM) with these companies who are dedicated in assisting us as efficiently as possible. Our Kāpiti Office Meet our Kāpiti specialists Our advisers are all accredited and have a number of years industry experience behind them. They will work with you to create an ideal insurance plan for you and your family that supports your lifestyle, or the cashflow that your business would need to keep going should something happen. Rex Duckett Principal Adviser 027 444 2733 Bio Rex has been in the insurance industry since 1989, 34 years! He has always been an adviser and has seen many changes over the years, most recently the introduction of new qualifications for licensing. He has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances. Rex enjoys V8s and has been drag racing for the last 22 years, his personal best is a 6 second ¼ mile at 205mph. He enjoys spending time with the growing family when he is not racing or hot rodding. FSP103124 - (Financial Services Provider Number) Email Becky Spiller Financial Adviser and Executive Manager 0800 367 467 ext 2 Bio Becky has worked in the insurance industry for over 12 years in an administration and management role, she primarily works with the personal risk clients, assisting with underwriting, quoting existing business and claims. She has recently gained a New Zealand Certificate in Financial Services qualification in General Insurance, Life, Health and Disability Insurances and Investments. Becky and her husband have one daughter, currently completing her Masters at Victoria University. Becky enjoys camping, fishing and spending time with her friends and family. Email Monique Duckett Financial Adviser and Finance Manager 0800 367 467 ext 1 Bio I have been in the industry for 25 years and have a good understanding of all the facets of this industry. I have Level 5 in Financial Services. I am currently working in the Otaki office alongside my husband Rex in the finance side of the general department. Email Terri Watson Financial Adviser 0800 367 467 Ext 207 Bio Terri has been working in the Financial Services industry since 2011, beginning her career as a Personal Assistant and Paraplanner. In between having and raising her kids, she kept building her experience and knowledge in the industry, which has given her a real understanding of the pressures families can face when it comes to money and protecting what matters most. She is passionate about helping people feel more confident about their financial future, in a way that feels simple and supportive. Terri has a New Zealand Certificate in Financial Services qualification in Life, Health and Disability Insurances and Investments and is about to start working towards her General Insurance qualification On weekends you will find Terri in the garden with the chickens and ducks, watching the kids at football, tennis or ballet, or at Mitre 10 finding the items for her next DIY task. Email Marjie Pacan General Administrator 0800 367 467 ext 5 Bio Marjie emigrated to New Zealand from Poland in 2010 after living in England for 10 years, working a range of jobs including nursing and hospitality. Since emigrating to New Zealand she has worked in administration, early childhood centre and continues working as senior barista. Marjie has been in the insurance industry for 2 years as a receptionist and general administrator Outside of work I enjoy, hiking, cycling, throwing glamorous parties, flower arrangements and spending time with my two gorgeous children and greyhound. Email Deb Greaves Claims Administrator 0800 367 467 ext 4 Bio Deborah has mainly worked in hospitality from hotel management, conference administration, hospitality supplies, front of house and a wide range of other admin jobs. She loves spending time with her adult daughters. Deborah and her husband Kelvin enjoy travelling in their caravan with their fur baby Bonnie. When not travelling she enjoys gardening, reading and going out for brunch and trying out different restaurants. Email Mallery Henderson General Administrator 0800 367 467 Bio I have worked in various roles including customer service, marketing, and office management as well as volunteering for charities that support families when my family and hobbies leave me enough time. I’m a mum of 3, my hobbies include Roller Derby Officiating (national and international), Cross stitch and sewing. Email Get in touch with our Kāpiti team today, for local support on your insurance or mortgage needs. Get in touch Enquire Now Freephone 0800 17 18 19

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