Futurisk Life Insurance

Futurisk's commitment to personalised insurance services sets them apart from the competition.

With a dedicated team of financial advisers located in Manawatu & Waikato, they ensure a seamless and stress-free experience when selecting insurance coverage that perfectly aligns with your unique needs. 

Your journey with Futurisk begins

As an independent brokerage, Futurisk prides itself on its impartiality. Being free from ties to specific insurance companies grants them the freedom to scour the market on your behalf, offering an extensive array of options from various providers.

This freedom translates into the best possible insurance solutions for you, ensuring that you are adequately protected.

Navigating the complexities of the insurance industry can be daunting, but with Futurisk by your side, the process becomes straightforward and hassle-free.

Their team empathises with the challenges of choosing the right insurance plan for your family, yourself, or your business. That's why they go above and beyond to work with you closely, providing clear explanations and simplifying the decision-making process.

Simplify insurance choices: Futurisk makes it effortless

At Futurisk, your security is paramount. They understand that you need to feel confident in your insurance coverage. Their knowledgeable staff is ready to swiftly assist you with any inquiries, applications, claims, or other concerns you may have.

Futurisk will take care of all the legwork, ensuring you get the most suitable insurance plan without wasting hours searching and contacting multiple insurers.

The scope of insurance plans available through Futurisk encompasses a wide range of options, including life insurance.

Whether you seek coverage for yourself, your family, or your business, Futurisk is well-equipped to guide you through the selection process without the need for extensive research and multiple interactions with different insurance companies.

Swift and secure: Get the right plan at your fingertips

Embrace peace of mind and security with the help of Futurisk. Discover your perfect insurance plan today and experience the difference that dedicated, personalised service can make in securing your future.

Their Best Life package provides financial protection for your loved ones in the event of your death or terminal illness. It ensures that your family or business can continue to thrive even when you're no longer there.

There are two main types of life insurance:

• Lump sum: This type of insurance pays a one-time lump sum amount that can be used for various purposes. It can help settle debts, cover funeral expenses, create an investment fund, restructure business ownership, or provide an inheritance.
• Monthly payment: This option is designed to minimise the impact on your family's lifestyle after your death. It provides a regular monthly payment that can help them maintain their financial stability.

When it comes to premium options, you have flexibility in choosing the most suitable one for your needs:

• Yearly stepped: The premiums for this option are based on your current age and sum insured. They start relatively low but increase each year as you get older.
• Level term: With this option, the premiums are fixed for the life of the policy, providing stability and potential long-term savings compared to yearly stepped premiums.

Trauma and critical illness cover

It offers financial flexibility during a serious illness or injury. If you’re diagnosed with a covered condition such as cancer, heart attack, or stroke, you receive a lump sum payment.

This payment can be used to reduce debt, cover specialised equipment, make home modifications, provide additional care, or create an investment fund. The flexibility to decide how to use the funds gives you peace of mind.

Similar to the Best Life option, you have the choice between yearly stepped and level-term premiums for trauma and critical illness cover. Yearly stepped premiums start out relatively low and increase each year with age, while level-term premiums remain fixed for the life of the policy.

Understand total and permanent disability (TPD)

TPD provides a lump sum payment if you become totally and permanently disabled. The inability to perform daily activities or work on your own or any occupation defines TPD.

Choose the TPD option

1. Own occupation – If you can't work in your specific occupation.
2. Any occupation – If you can't work on your own or any other occupation you're reasonably suited for.

Additional benefits you can add to your policy

• Worldwide cover
• Recurrent disability benefit
• Vocational training benefit
• Home modification of equipment support
• Bed confinement