Income Protection products vary widely, and it’s important you get the right advice and type of cover. We factor in your occupation, industry, employment status, pre-existing medical conditions, and financial risks and liabilities.
If you go on claim, your payments will kick in after a chosen wait period, which we select at application time. We also select your payment period.
ACC covers treatment and rehabilitation costs and up to 80% of your current income if you have an accident that keeps you off work for more than a week.
It's crucial to select an Income Protection option that works well alongside ACC.
When you apply for Income Protection, you have the option of adding on free Trauma Cover for your children.
If your child becomes sick with a condition covered by Kids Serious Trauma Cover, you'll receive a lump-sum payment of $50,000. This payment can help cover expensive medical costs and lost income if you're away from work.
Cover your home loan repayments and income if you’re unable to work.
Mortgage Repayment Insurance pays a monthly benefit if you become injured or fall ill and are unable to work. You may be entitled to a Partial Disability Benefit if you go back to work but are unable to work full-time.
Trauma Cover $152,000
Health Insurance $27,439
Income Protection $48,000
Health Insurance $147,222
Income Protection $14,000
Income Protection $71,991
Health Insurance $37,335
Health Insurance $28,265
Trauma Cover $112,000
Income Protection $54,600
Income Protection $21,145
Health Insurance $8,110
Health Insurance Claim $8,378
Health Insurance $2,775
Income Protection $3,996
Income Protection $174,952
Trauma Cover $32,000
Health Insurance $11,439
Trauma payment $80,000 lump sum
Trauma Cover $76,000
Income Protection $132,250
Income Protection $79,441
During a life threatening health issue of my husband, I decided to renew my life and health insurances. The team at Finsol were extremely helpful and made things simple at a trying time for us. With great communication and getting the best deals, I am more than happy to review Finsol as A+ insurance brokers. Thank you so much to Gareth and the team for the extra effort
I thoroughly recommend Gareth’s expertise, knowledge and service. He helped us select health insurance and we valued his knowledge of the industry and the insights he could provide that we had not previously factored in. We have recommended him to friends and wouldn’t hesitate to use Finsol again in the future.
Could not recommend Finsol and especially Gareth any more strongly. In one meeting Gareth managed to devise a plan to halve our annual ACC bill resulting in a 5 figure cost saving. Absolutely stoked! Thanks again, team.
The team at Finsol are a breeze to work with! I'm super impressed by their process and how straightforward it is. The communication is on point, the vibe is friendly, and you feel like you are being taken care of every step of the way.
If you are contemplating, just do yourself a favour and let Finsol take care of everything. It just makes it so damn easy! Genuine, authentic, and down to earth people. Thanks so much! You guys are the best.
The BEST advice I have received since relocating to NZ from Europe 10 years ago. Trying to navigate the maze of insurance providers and policies was going to be a nightmare at the best of times, but not with Gareth at the helm. Thank you so much, Gareth and the team at Finsol. I’m definitely going to recommend you to everyone needing insurance advice.
Gareth and the team at Finsol were so thorough and professional when we reviewed our insurance structures with them, and the quality of Gareth's knowledge and advice was exceptional. I also think that if we did need to submit a claim Finsol would go above and beyond to ensure the process went as smoothly as possible. I wouldn't hesitate to recommend Finsol for those looking to have their insurances sorted.
Very friendly and professional crew, and boy they are efficient! I really enjoyed that every document they sent I could sign on my mobile and saved the hustle of printing and scanning papers. As sustainable as it can get. Thank you!
Two years ago, my son was diagnosed with cancer, and his world changed drastically. We contacted Gareth, and he handled the claim, which removed all that stress while we were coming to terms with the diagnosis. Gareth's ongoing help and advice have been above and beyond anything we expected. We have nothing but praise for the service we have received.
I highly recommend talking to Jordan about life and medical insurance. He fully takes care of you and makes sure your every want/need is fulfilled. Best service, and he did it all over the phone with me as I live seven hours away. Wouldn’t recommend anyone else.
Working with Andrew has made organising all our insurances super easy. He was flexible and was able to meet with us at a time that suited us and found us a better deal than we originally had. He is approachable and discusses all options in an easy to understand way making you feel at ease with all the information. Highly recommend working with the team at Finsol.
I cannot recommend Gareth and the rest of the Finsol team enough. If you are looking for ethical insurance advice then look no further. Gareth was thorough in his initial review and his recommendations and advice was exactly what we needed. I look forward to working with Gareth and having him look after our family for years to come.
Gareth was so helpful and quick to sort out my health insurance. The whole process was hassle free, everything was followed up promptly and I was amazed at how painless it was. I feel safe knowing I am well covered for anything that may arise even given my existing conditions.
What a fantastic company to deal with. Gareth has been amazing throughout the time spent on our family’s insurance. We found Gareth to be unbelievably proactive and professional and at the same time looking out for our best interests. I will be yelling Finsol from the rooftops!
Andrew was absolutely brilliant in navigating the world of insurance for us. He worked closely with us to ensure we got a plan that adequately covered our needs at a price we were comfortable with. Would highly recommend going through Andrew and the Finsol team for your insurance needs!
This company stands out from the rest. Where so many try to sell you something and forget about you, Finsol listens and hears your needs and understands what you’re trying to achieve.
If you want to talk to people that believe in what they are doing, if you want to be heard, and if you want to feel certain that someone is going to go into bat for you and work to get you the outcome you desire - give Finsol a call. You won't be disappointed.
Finsol have been next level fantastic for our clients. The focus and attention to detail during underwriting time has been amazing. We feel comfortable that the policies we have in place are well thought out and considered. Their knowledge of insurance products out there is in-depth. A true industry expert who really do care about their client first and foremost. Very impressed.
Transparent and well-presented reports and easy to follow. Thorough and intuitive needs assessment. Andrew was great to deal with. Highly recommended.
Gareth is fantastic to deal with. He is easy to understand and is great at listening to our needs and matching what is appropriate for us. It's obvious he has plenty of experience, and we wouldn't hesitate in recommending him to others.
Paul provided my wife and I with excellent advice and comprehensive cover at the right price. We found him to be professional and open, and he communicated what can be complex into context we easily understood.
Just as importantly, the team radiates through their words and deeds a sense that you're dealing with people who strive to be positive influences through all their actions. This level of social consciousness combined with their first-rate business acumen means we plan on being long time clients of Finsol
Gareth and the team went above and beyond when it came to sorting out our life insurance cover before the arrival of our first child. Throughout the whole process, Gareth kept us informed and worked tirelessly to get us covered as quickly as possible.
His advice and knowledge is second to none and we will be looking to use Finsol again in the future.
Gareth and the team are awesome! They made everything with our family and personal insurance so easy and stress-free, and they go the extra mile to help with anything needed. Thanks guys!
Finsol recommended I take up Income Protection, I never thought I would have to use it, but after a surfing accident, I was unable to build for nearly four months. ACC covered some of my lost income, but not all of it. I was stoked to have a backup plan. Thanks to Gareth and the Finsol team!
Paul was outstanding! Professional and knowledgeable, he helped answer any questions we had and made our well-being a priority at all times. A lot of people get life insurance without the knowledge of what they’re getting. Not with Paul. He patiently listens and helps you comprehend what you’re signing up for. I have been through a few mortgage and insurance brokers and they can not compete. Highly recommended!
Gareth and the team are amazing to deal with. They are all extremely professional and knowledgeable with fantastic attention to detail, ultimately leaving us feeling confident that our insurances are structured correctly, both now and in the future. They were also very accommodating with working around our hectic schedules. A nice touch having quality coffee onsite too. Well done, team, highly recommend.
Thanks to Gareth Dobson and the Finsol team for your help. This has been an informative and helpful process from start to finish! I recommend your service without hesitation.
I recommend Paul to anyone looking for a financial adviser. He’s always giving his clients 100% and making savings wherever he can. He has already saved me money with my ACC, and he continues to advise and help me understand. I cannot thank him enough.