Level Premium Life Insurance
Recent statistics indicate that many New Zealanders are cancelling their insurance policies due to affordability; only a few years before they are most likely to make a claim.
The cost of Level Premium cover is calculated at the start of your policy and remains the same as you get older. Locking in your premium rate can save you tens of thousands of dollars over the lifetime of your life insurance policy.
Long-term Affordability
When considering Life, Trauma, Income Protection insurance, there are two premium options available to you: stepped or level.
Stepped premiums start low and rise as your age and the likelihood of claiming increases. Level Premium starts slightly higher but stays constant over the life of the policy.
Level Premiums makes budgeting easy as you’ll know the cost of your insurance today and in the future.
Contact us
Call us on 0800 346 765
8.30am – 6pm Monday to Friday
Level Premium
options
- Income Protection Cover: Receive monthly payments in the event of temporary disability.
- Trauma Cover: Standalone and Accelerated – receive a lump-sum payment if you suffer a specified condition.
- Total and Permanent Disability Cover: Receive a lump-sum payment if you suffer permanent long-term disability.
- Life Insurance: Receive a lump sum payment to your estate or partner upon diagnosis of a serious illness or death
We can not thank Paul at Finsol enough for his professionalism, expertise and hard work in helping us purchase our first home. The service we received from him was exceptional. We could not have asked for a better Financial Adviser to guide us through the process – Paul went over and above what we were expecting and turned our dream into reality. We would be very happy to give Paul our highest recommendation for anyone wanting to buy their first home. He is one of the best! Thank you again to Paul and Finsol.
– Karen
Life is full of surprises – insurance premiums shouldn’t be one of them.
A combination of Level Premium and Stepped Premium insurance will create long-term affordability.
Find out how much you could save with Level Premium Insurance.
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Reuben at Finsol has been an amazing guy to work with through the pogress of me being able to buy my first home. Very much appreciated of all the hard work put in, would recommend to anyone needing assistance.read more
Jesse Kilmartin-smith
23:48 25 Feb 21
Gareth is an amazing professional. Very responsive, has the knowledge and is always prompt to help.Thanks for everything that has been done until now.read more
Anne Teixeira
00:05 22 Jan 21
The team at Finsol are fantastic. Gareth conducts himself very professionally while also presenting all information in a very understandable manner. The staff are friendly and always communicate efficiently which makes the process very easy. I didn't feel I put in any effort at all and everything was sorted within days. 10/10 would recommend doing business with this group.read more
Cole Newport
10:11 21 Jan 21
Gareth and the team at Finsol are great to deal with. Gareth was extremely efficient in getting the job done but at the same time had great attention to detail and left me very confident with the outcome. Gareth has a wealth of knowledge and makes the whole process very easy to understand when there is so much to consider. I highly recommend Gareth and the team for all of your needs and I look forward to using the team at Finsol again for any future needs.read more
Connor Fifita
01:07 15 Dec 20
Gareth and the team at Finsol have been amazing. I loathe dealing with insurance as it's complicated, long winded and confusing. Gareth just made this easy! He sorted all my personal insurances, so I know what I'm paying for, and made it EASY for me to understand. I wouldn't work with anyone else.I'm now looking at all my other insurances as well and bringing them all under one roof.The expertise, professionalism, and laughs have just been priceless. Thanks Gareth!read more
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19:37 22 Nov 20
Great customer service! was having some communication difficulties with a third party and Finsol stepped in and ensured a quick result. Would happily recommend.read more
Scott Baylis
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Gareth and his team are very easy to work with. Communication is clear and efficient and I am very happy with my insurance outcome. Thanks for the help!read more
Bridget Allison
08:05 06 Oct 20
Gareth was very professional and engaging, really responsive and overall extremely helpful sorting out Insurance’s for myself and my family. He put insurance lingo into everyday language which made it a breeze and he was very transparent with the policies.I would highly recommend Gareth and the team at Finsol.Thanks againread more
Thyge O'Leary
08:09 05 Oct 20
Gareth Dobson from Finsol Insurance is an absolute asset to this company and their clients. Gareth not only helped my partner and I get our ACC Levies down for our company but he also worked with us to acquire life and medical cover. He was not only great with follow ups but he was sure to meet all requirements we had with out any problems. Gareth made the whole process easy and was very flexible with our busy schedule. Gareth knows his stuff and any persons who is requiring insurance should definitely talk to Gareth.read more
Paloma Norton
19:16 01 Oct 20
Gareth and the team are amazing to deal with.They are all extremely professional / 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.read more
Mike King
03:53 27 Sep 20
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Hanna Carroll
07:35 21 Sep 20
Very onto it and knowledgeable in all things mortgage/insurance related
Genevieve Pedersen
20:52 15 Sep 20
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Kalman TeNgahue
22:15 13 Sep 20
THE BEST advice I have received since relocating to NZ from Europe 10years 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. Definitely going to recommend you to everyone needing your advice💪😉read more
Franziska Grützmacher
01:00 09 Sep 20
Gareth from Finsol replied to my emails quickly, communicated clearly, and it felt like he was fully on my side when dealing with insurance companies.read more
Josh Weavers
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Superb experience. Very pleased with their service and attention to detail. Would highly recommend to anyone looking for authentic, values based insurance brokers. Kia ora!read more
Holly Bennett
22:48 18 Aug 20
Prompt, informative and professional. Gareth explained everything thoroughly and tailored our package to suit our needs. Offering new and innovative ways to reduce premiums through AIA Vitality and even booking an appointment done through Calendly made things easy. We felt very comfortable through the whole process and we have established a trust worthy relationship with our Insurance Broker. Thanks again Gareth & Reubenread more
Nikayla & Matt Glenn
21:20 06 Aug 20
Paul has been amazing to deal with regarding our new insurance policy. He was polite, gave us good information, we didn't feel pressured throughout the whole process. Paul has even put us in touch with a business insurance expert as well!I highly recommend Paul and the Finsol team to anyone I know.read more
Craig Holder
08:04 07 Jul 20
Paul arranged a mortgage for us, much better than our own bank was offering. He was an excellent communicator, keeping us in the loop at all times, always returning calls or emails, and explained matters so we understood each step. We highly recommend Paul as a mortgage broker. Karen & Dave.read more
Karen Clarkin
23:19 06 Jul 20
I cannot recommend Paul at Finsol highly enough, we have used him twice now for very tricky lends and both times he has gotten it over the line for us. His communication is excellent and I also really value the way he manages expectations throughout the process. He works with a level of integrity and efficacy that I admire and appreciate. Finsol have been a great company all round to deal with, we wouldn't go anywhere else.read more
Milly Grant
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Gareth is a great is a great guys very easy to deal with, everyone in his team is friendly and very professional, highly recommended!!!! I m very happy everything. Thank youread more
Andre Garcia
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The service here was outstanding! My meeting with Gareth was so positive I felt really comfortable, he explained everything clearly and we discussed several options based on my personal circumstances. The polices I chose were tailored to meet my needs and are really affordable. Gareth wasn't pushy or hard sell. I would fully recommend Finsol to anyone looking for Insurance!!read more
Aania Anderson
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Finsol have been my insurance advisors for a number of years now and every time there has been any kind of issue I’ve contacted Finsol straight awaythey have always had a immediate response, action to the response, and structures to get the best result for me. I get contacted daily by insurers and the response is simple “I’m very happy where I am”read more
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Hannah Sellars
22:20 17 Jun 20
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Melanie Taiaroa
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Iven Roil
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We dediced to complete our Health&Life insurance with Paul because his advice was detailed and honest and we felt that he tailored a package for us that suits our current situation and circumstances. I also appreciate his professionalism, customer service and swift handling of our request. Thank you!read more
Alina Effner
20:46 17 May 20
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Gareth was awesome to deal with, and helped deal with all of my various many questions. This was a difficult time, as everyone was having to deal with the fallout of Covid and Gareth was great to deal with throughout. He helped through the complex process, and I'm really happy with the insurances that I've go out of this! Cheersread more
Nick Horton
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I experienced exceptional customer service from Gareth and the rest of the team at Finsol. They were able to facilitate an easy transition from my existing policies to a much better option providing me with more cover and less premiums. A win win for me and another very happy customer for them!read more
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For a first home buyer like us, we came to see Paul having no knowledge in the procedures of buying a house or what insurances we require. Paul has provided us a first class service in guiding us through this whole process. As Paul always says: " no stress", they are always there for you if you need help.read more
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Very easy to deal with and during the interim period between first approach and sign up Gareth had found a more fit for purpose solution at a better rate.Looking forward to sorting out my ACC later this year.read more
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Jamie Twigg
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Robert Elstone
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Taurus Taurima
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We worked with Gareth Dobson from Finsol Insurance and Mortgage Brokers for a recent review of our insurance cover. He did a fantastic job reviewing all the current policies and recommending options that will suit our financial situation and goals. Highly recommend Gareth and Anne to others. Really liked the ease of communication and 'friendly reminders' to make sure we reviewed and signed things off in the time lines discussed. Thanks team Finsol.read more
Glenn Fulcher
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I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
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I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
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I recommend Paul to any one looking for a financial adviser. Always giving his clients 100% and making savings where ever he can. He has already saved me money with my ACC , he continues to advice and help me understand, I can not thank him enough.read more
Renee Dever
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Gareth from finsol was great to deal with totally stress free. If you had any question or concerns he was able answer them and put u at ease. Would totally recommend him to deal with.read more
Chris Hinde
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Paul is great he made the whole process very easy and simple to follow he explains things very meticulously and thoroughly so I really understood what it was all about. He does everything through electronic signing emails which makes the whole process extremely easy no need to travel to sign documents or print off any papers whole process is very straight forward and Paul's the guy to go to if you want to get it done without the brain damage.read more
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I was very fortunate to have Gareth work through a restructure of my insurances and work related cover. To say I was happy with the outcome would be an understatement. He is knowledgable and efficient and had a particularly good grasp of the cover I required specific to my trade. I couldn't recommend Gareth and his team more.read more
john roberts
07:48 02 Jul 19
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.read more
Stuart Hartley
08:05 26 Jun 19
Paul was amazing to deal with. Made getting a mortgage effortless and stress free. Highly recommend Paul and will be using him again for my next venture!read more
Julie Jones
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Could not recommend Finsol and especially Gareth any more strongly. In just one phone call Gareth managed to halve our annual ACC bill resulting in a 5 figure cost saving. Absolutely stoked! Thanks again team.read more
David Nakhle
23:50 02 Apr 19
The advice I get from Gareth really helps as the world of insurances is foreign to me. He regularly checks in to make sure I understand what I am getting out of my cover, putting it into words that are easy to comprehend! I really trust Gareth to make sure my family and I are looked after. He is passionate about looking after his clientsread more
Caitlin Fox
04:56 31 Mar 19
Thanks to Paul and his team at Finsol for the superb work they’ve done in getting our first home and best deal of insurance. Having both house and insurance is an investment. Paul’s professionalism was very helpful in making our decision every step of the way. He answered and explained simply and direct to the point every concerns to help us achieve our financial goals. At the end of it all, we borrowed money conscientiously , spent wisely, saved happily, and invested smartly. Highly recommended! God speed Paul and Finsol.read more
Legend of the Falls
02:03 26 Mar 19
Paul provided my wife & I will excellent advice & from that comprehensive cover at a competitive price. We found him to be professional & open, & communicated what can be complex into context we easily understood. Just as importantly Paul & Gareth his business partner radiate through their words & deeds a sense that your dealing with a person who strives to be a positive influence in all their actions. This level of social & environmental consciousness combined with their first rate business acumen means we plan on being long time clients of Finsolread more
Adam Lee McHardy
03:38 11 Mar 19
Very friendly and professional crew, and boy they are efficient! I really enjoyed that every documents they sent I could sign on my mobile and saved the hustle of printing and scanning papers...#sustainableasitcanget. Thank you!read more
Anahita Hun
01:40 04 Feb 19
Paul ejamme is an amazing advisor. Highly highly recommend. He went above and beyond to help us with our debt consolidation and our insurance cover. He has even helped us set in motion plans to purchase a home. Thank you paulread more
Ashley Hannah
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Gareth was fantastic to deal with, I was looking for a business insurance policy and before long I was more than happy for him to review all other policies and discovered many changes could be made to better our needs hence he is now our go to guy for all our financial-insurance needsI couldn't speak more highly of Gareth and the team at Finsol Thanks for everything you've done G Matt Zachanread more
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Gareth and his team from Finsol are fantastic to work with. I can't say enough about how much they have helped me. Insurance, kiwi saver and financial support They make the whole process easy and they take into account your personal circumstances and offer products that work for you. I highly recommend the Finsol team.read more
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Paul was outstanding! Professional and knowledgeable, he helped answer any questions we had and made our well-being his 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! Have been through a few mortgage and insurance brokers and they can not complete!! A friendly and hard working guy who always puts his customers first. Highly recommended!!!!read more
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