Carmela Evora-Laylo - Futurisk Insurance, Mortgage & Investment Advisor

29/10/2026

🏡🔑 𝗔𝗡𝗢𝗧𝗛𝗘𝗥 𝗗𝗔𝗬, 𝗔𝗡𝗢𝗧𝗛𝗘𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗦𝗘𝗧𝗧𝗟𝗘𝗠𝗘𝗡𝗧!

Congratulations to Pabellon Family on purchasing your very first home in 𝐆𝐢𝐬𝐛𝐨𝐫𝐧𝐞!❤️🏡

For me, being a Mortgage Adviser is more than just helping clients secure a home loan. It's about being there when my clients need me, providing guidance, answering questions, and helping them navigate the journey — wherever I am and whenever they need my assistance.

🌏✈️ Anywhere in New Zealand, whenever you need me. I don’t work just 9–5 — your dreams deserve dedication beyond office hours. Late-night calls? No problem! ❤️🔑 Your trust is my priority, and your homeownership dream is my mission. 🏡

But don't just take my word for it — here's what they had to say about their experience working with me. ❤️

𝘼 𝙏𝙚𝙨𝙩𝙞𝙢𝙤𝙣𝙞𝙖𝙡 𝙛𝙧𝙤𝙢 𝙩𝙝𝙚 𝙋𝙖𝙗𝙚𝙡𝙡𝙤𝙣 𝙁𝙖𝙢𝙞𝙡𝙮

“We are so grateful to Carmela for all her help and support throughout our first-home buying journey!

As first-home buyers, there were so many things we didn't know and so much to figure out along the way. We're really thankful to have had someone experienced like Carmela to guide us through the process.

What we appreciated most was how responsive and dedicated she was. Even during the time that she was overseas, she still made time to accommodate us and help us get everything sorted. That really meant a lot to us! She was always willing to answer our questions, provide updates, and help us with the different requirements from the bank.

Buying our first home definitely had its stressful moments, but having her guidance made things easier for us.

Thank you so much, Carmela, for all your time, effort, and hard work in helping us purchase our very first home. We're so happy to have finally reached this milestone, and we're grateful that you were part of it.

We would happily recommend Carmela to anyone looking for a mortgage broker, especially first-home buyers like us! ❤️🏡

🙏 Thank you so much for your trust and kind words! It was a pleasure to guide you through this journey, and I wish your family countless happy memories, love, and blessings in your new home.

𝙂𝙊𝙊𝘿𝘽𝙔𝙀 𝙍𝙀𝙉𝙏𝙄𝙉𝙂… 𝙃𝙀𝙇𝙇𝙊 𝙃𝙊𝙈𝙀𝙊𝙒𝙉𝙀𝙍𝙎𝙃𝙄𝙋!!!

💭 Dreaming of owning your first home? You don't have to navigate the mortgage process alone. Let’s discuss your options and take that first step towards making your dream a reality!

📩 Message me today. I'd love to help you explore your homeownership options.






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Futurisk Manawatū
Futurisk Insurance & Mortgages

28/10/2026

22/10/2026

𝗔𝗻𝗼𝘁𝗵𝗲𝗿 𝗱𝗮𝘆, 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗹𝗮𝗶𝗺 𝗽𝗮𝗶𝗱 𝗼𝘂𝘁! 🙏❤️

Over the past few weeks, I’ve had the privilege of assisting clients with their insurance claims, and every successful payout reminds me WHY I do what I do.

Today, another claim was approved, and this one touched my heart. 💗

Behind every claim is a person, a family, and a story. Sometimes, people need time to process a life-changing diagnosis before they are ready to seek help. That’s why regular policy reviews matter — they give us the opportunity to reconnect, understand what has changed, and explore the support available.

As a Financial Adviser, I’m grateful to walk alongside my clients through these difficult moments, helping them navigate the claims process and providing reassurance when they need it most.

✨ ＴＨＩＳ ＩＳ ＷＯＭＥＮ’Ｓ ＥＭＰＯＷＥＲＭＥＮＴ． ✨

It’s not just about earning money, building a business, or becoming independent. It’s also about making informed decisions to protect yourself, your future, your business, and your family.

Insurance cannot prevent life’s challenges, but the right cover can provide financial support when the unexpected happens.

My role goes beyond arranging insurance. It’s about being there when life takes an unexpected turn, helping clients understand their options, and guiding them through the claims process.

All glory to God for the gift of a profession that allows me to make a difference in people’s lives. 🙏❤️

Ladies, have you reviewed your insurance lately? Do you know what your policy covers? Or have you been thinking about getting protected?

📩 DM me today! Let’s review your existing cover or explore options that suit your needs and budget.

Because protecting yourself is not a luxury. It’s an act of love for yourself and the people who depend on you. ❤️






Futurisk Manawatū
Futurisk Insurance & Mortgages

19/10/2026

ＹＯＵ’ＲＥ ＳＴＲＯＮＧ.ＹＯＵ ＷＯＲＫ ＨＡＲＤ. ＢＵＴ ＹＯＵ’ＲＥ ＮＯＴ ＭＡＤＥ ＯＦ ＳＴＥＥＬ． ❤️

🚨𝗬𝗢𝗨𝗥 𝗜𝗡𝗖𝗢𝗠𝗘 𝗖𝗢𝗨𝗟𝗗 𝗦𝗧𝗢𝗣 𝗧𝗢𝗠𝗢𝗥𝗥𝗢𝗪. 𝗕𝗨𝗧 𝗬𝗢𝗨𝗥 𝗕𝗜𝗟𝗟𝗦 𝗪𝗢𝗡’𝗧.

Let that sink in.

Imagine waking up tomorrow to a serious illness, an unexpected accident, or a situation that leaves you unable to work.

❓ Who would pay your rent/mortgage?
❓ Who would cover your household bills?
❓ How would you provide for your children?
❓ Would your family be financially okay without your income?

We insure our cars. We protect our homes. 𝐁𝐮𝐭 𝐰𝐡𝐚𝐭 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐩𝐞𝐫𝐬𝐨𝐧 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐡𝐚𝐫𝐝 𝐞𝐯𝐞𝐫𝐲 𝐝𝐚𝐲 𝐭𝐨 𝐤𝐞𝐞𝐩 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐠𝐨𝐢𝐧𝐠?

💔 You don't have to be wealthy to need insurance. You need to understand what is at stake if life takes an unexpected turn.

As a Financial Adviser, I believe protecting your family starts with an honest conversation about your needs, your budget, and what matters most to you.

You don't need to get everything at once. Start with what you can afford. Understand your options. Make informed decisions.

❤️ DON'T WAIT UNTIL YOUR HEALTH CHANGES BEFORE THINKING ABOUT PROTECTION.

Depending on your circumstances, changes in your health can make insurance harder to obtain, more expensive, or unavailable.

You work hard to build a future for the people you love. Make sure you also have a plan for the unexpected.

📩 Let's talk about protecting what matters most.

No pressure. Just a conversation about your options and what may work for you and your family.

📩 Send me a message. Let’s have a conversation about your options, with no pressure and within your budget.

Carmela Evora-Laylo
Financial Adviser | Futurisk Insurance & Mortgage
📞 021 150 7915
✉️ [email protected]

Tomorrow is uncertain. Being prepared is a choice.




Futurisk Manawatū
Futurisk Insurance & Mortgages

06/10/2026

⚠️ IT’S NOT JUST ABOUT HAVING INSURANCE — IT’S ABOUT HAVING IT SET UP CORRECTLY.

After 13+ years in the financial advice industry, I’ve seen situations where people have insurance in place, but some of the most important details were not structured correctly.

Two things that are often overlooked:

🔹 1. WHO OWNS THE POLICY?
Policy ownership matters.

If you are the life insured, it doesn’t automatically mean that you should always be the policy owner. The appropriate ownership structure depends on the purpose of the cover, who is meant to receive the benefit, and the circumstances of the policy.

Imagine having life insurance for your family, but the ownership structure was not properly considered. If something happens to the life insured, who has the right to make the claim and where does the benefit go?

That is why policy ownership should never be treated as just another box to tick.

🔹 2. IS YOUR JOB CLASSIFICATION CORRECT?
Your occupation and actual day-to-day duties can be important when arranging insurance.

A job title alone may not tell the full story. What you actually do at work, the environment you work in, and the level of risk involved can matter.

If your occupation or duties change, it is worth reviewing your cover and checking whether your insurer needs to be informed.

🔹 3. ALWAYS GET DISCLOSURE RIGHT.
Be honest and complete when answering questions from your insurer.

Medical history, previous conditions, medications, lifestyle and other relevant information should be disclosed as required.

Insurance is designed to be there when you need it most. The goal is not simply to have a policy — it is to have the right policy, structured correctly, based on accurate information.

After more than a decade in this industry, this is something I am very passionate about: getting the details right BEFORE a claim is ever needed.

Because when life takes an unexpected turn, the last thing your family needs is uncertainty about the protection you thought was in place.

💙 Right policy. Right ownership. Right information. Right protection.

If you haven't reviewed your existing policies for a while, perhaps it’s time to ask:

“Is my insurance still structured correctly for me and my family?”

General information only. Insurance terms, ownership structures, disclosure requirements and claim outcomes depend on the specific policy and circumstances. Please seek personalised advice for your situation.

Carmela Evora-Laylo
Business Development Manager | Financial Adviser
Life, Disability & Health • KiwiSaver & Investments • Mortgages
📞 021 150 7915
📧 [email protected]

Futurisk Manawatū
Futurisk Insurance & Mortgages

29/09/2026

✨ Goodbye, September!❤️

Grateful for a month filled with learning, growth, new opportunities, happy clients, and meaningful connections. Every experience is a chance to become a better version of myself, both personally and professionally. 🌱

Thank you to my clients for your continued trust and to our community for the opportunity to serve and give back. For me, it’s always more than business — it’s about making a difference, one family at a time. 🏡❤️

New month, new goals, renewed purpose, and more blessings to share! 🙏✨

22/09/2026

Seatbelts don't prevent accidents. They protect us when accidents happen.

Insurance works the same way.

We can't always prevent sickness, disability, or an untimely death, but we can put protection in place to help safeguard our families and financial goals.

The best time to prepare is before you need it.

Carmela Laylo | Financial Advisor
Palmerston North, Futurisk Manawatū
Mobile: 021 150 7915
Email: [email protected]

Futurisk Insurance & Mortgages



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21/09/2026