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Trauma insurance advisory
Protecting your future with trauma insurance
Liston Newton Advisory
Liston Newton Advisory is rated from 32 reviews
Why Liston Newton?
Expert experience you can count on
With decades of experience in financial advisory, our team knows that securing your future means more than just growing wealth — it’s also about protection. We'll help ensure you and your loved ones are financially secure during unexpected health crises.
Holistic approach to your needs
We take your full financial situation into account. Our strategy integrates trauma insurance into your broader plan, including tax and estate considerations, to ensure comprehensive coverage.
Comprehensive network support
Dealing with trauma can be overwhelming—you’re not alone. Our partnerships with trusted insurers ensure you get top-tier coverage and expert advice so you can focus on recovery.
Long-term collaboration for evolving needs
Your financial needs change over time. We work with you to reassess and adapt your trauma insurance, ensuring you’re always protected.
Tailored trauma insurance strategies for your unique needs
At Liston Newton, we provide trauma insurance solutions designed to fit seamlessly with your overall financial strategy. Our advisory services ensure that your insurance becomes an integral part of your broader wealth management, estate planning, and tax optimisation goals. We work closely with you to personalise your trauma insurance policy, making sure it aligns with your financial priorities and evolves with your changing needs.
With our expertise, you gain access to advanced strategies that protect your wealth during life’s unexpected health events. Your trauma policy pays a lump sum payment when you face serious health challenges, helping you manage financial commitments without compromising your long-term goals. We recognise that your financial needs are unique, and we are committed to delivering a bespoke approach that ensures effective protection.
Our services are designed to give you confidence in your insurance coverage while aligning it with your overall financial picture, ensuring that your wealth is safeguarded effectively during challenging times.
How we can help you secure insurance
Our role is to ensure that you have the right level of insurance according to the trauma risks associated with your business and lifestyle and then seamlessly integrate the costs of that coverage into your overall financial plan. We help you assess different types of insurance, including income protection insurance, life insurance, and private health insurance, so you can make an informed decision about what complements your financial goals.
We assess your financial situation, long-term objectives, and potential health risks to craft an insurance policy that fits your needs. Our experts break down the complexities of trauma policies, providing you with the clarity needed to make informed, confident decisions.
Benefits of partnering with us
- Customised trauma insurance solutions based on your financial goals
- Expert integration of insurance with your tax and estate planning
- Access to a broad network of trusted insurance providers
- Ongoing reviews to ensure your coverage evolves with your needs
- A personal advisor who supports you at every step
- Award-winning expertise to guide you through complex choices
- Unbiased advice tailored to your best interests
Get award-winning advice for your insurance needs
Talk to us today
Understanding trauma insurance coverage
Often referred to as serious illness insurance or critical care illness insurance, a trauma policy is designed to cover major health events. We help our clients navigate and compare trauma insurance policies to find the most suitable coverage. With conditions like heart attack, stroke, and cancer being common claims, our advisors ensure you select the best trauma insurance or major illness insurance.
- Coverage for heart conditions and surgeries
- Support for neurological disorders, such as stroke or dementia
- Protection against major organ conditions and treatments
- Financial assistance for injuries requiring intensive care
- Benefits for permanent disabilities resulting from illness or injury
Calculating sufficient trauma insurance for your needs
Determining how much trauma insurance coverage you need depends on factors like your current income, lifestyle, and financial obligations. Using tools like a trauma insurance calculator, we provide accurate estimates to determine the right level of coverage for your needs, ensuring your wealth remains protected. Additionally, our advisors help you understand how trauma insurance claims and payouts can be structured to fit your financial capabilities.
Our team also helps you understand the difference between trauma insurance quotes from multiple providers, ensuring you find the best coverage available in Australia.
We understand your needs
- Using a calculator to determine appropriate coverage
- Comparing quotes to find the best fit for your budget
- Evaluating your lifestyle and obligations to provide tailored advice
Claiming trauma insurance on tax
A common question is whether trauma insurance premiums are tax-deductible. In most cases, they aren’t, as Australian tax law generally doesn’t allow deductions for these premiums. However, knowing how trauma insurance fits into your financial plan is still crucial.
Our advisors can help you navigate these complexities, ensuring you understand when, if ever, tax deductions might apply. Additionally, our accountants can identify tax minimisation opportunities in other areas of your finances to offset the costs of trauma insurance, making sure your overall financial strategy remains efficient and compliant.
Tax requirements and implications
- Advice on handling trauma insurance claims with the ATO
- Understanding when tax deductions do or do not apply
- Expert guidance to ensure compliance with tax regulations
Meet your team
Our partnerships with leading financial organisations across Australia enable us to provide best-in-class solutions, ensuring your financial future is in safe hands. Whether you are looking to buy trauma insurance cover or need guidance on selecting the right life cover, our advisory services are here to provide the support you need.
“I’m truly grateful for their advice”
Kieran Liston and the Liston Newton team have been assisting me with my accounting matters since 1976. For the past 47 years, Kieran and the Liston Newton team have provided reliable accounting assistance, which has allowed me to focus on my business in primary production.
Their exceptional service has consistently exceeded my expectations and made me feel that they truly care about my financial well-being.
Liston Newton has given me really helpful guidance over the years for both my business and my personal finances. When you have an accounting team that you trust to give the right advice, it gives you the confidence to focus on growing your business and doing the things you love.
Liston Newton helped us move our accounting over to Xero. Their Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
Download our financial guides for free
Take advantage of our expert financial guides, designed to give you deeper insights:
- Discover strategies to protect your wealth during a health crisis
- Learn how insurance fits into a solid financial plan
- Get in touch with us for tailored information and support
Why partner with our advisors for personalised solutions?
Our approach to insurance is built on decades of experience and a commitment to personalised support. We understand that facing health challenges is difficult, and our goal is to make financial planning during these times as straightforward as possible.
Our clients trust us because we offer consistent, knowledgeable support that adapts to their changing needs. When you work with us, you’re getting more than insurance — you’re gaining a partner in financial security.
Benefits of working with us
- Personalised trauma insurance tailored to your needs
- Integration with your entire financial strategy
- Access to award-winning advisors
- Long-term focus on your wellbeing
- Independent, unbiased guidance
- Over 40 years of experience in insurance planning
- Ongoing support that grows with your goals
Meet your team
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Our approach to achieving financial freedom
Our three-step approach — Get Set, Get Moving, Get Free — is designed to help you secure financial independence:
Get Set
We start by establishing a strong foundation, securing income streams, and managing your debts effectively.
Get Moving
Next, we help you grow—through smart investments, financial planning, and continued wealth development.
Get Free
Finally, we work with you to protect what you’ve built, allowing you to enjoy financial freedom and achieve your aspirations.
Success stories from our clients
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Accounting
Claudia Martin
With Liston Newton’s help, Claudia Martin was able to sell her business tax-free, gain clarity in her retirement planning, and make smart investment decisions.
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Accounting
Kat The Label
Since engaging Liston Newton’s services, Kate Nixon has seen a 12x increase in revenue and has effectively scaled her business in a tax-effective way.
Take a lookTrauma insurance advice for all Australians
We have offices in Victoria, New South Wales, and Queensland, and we work with clients all across Australia. Whether you’re local or remote, our team is dedicated to offering personalised support—either in person or online—to help you secure your financial future.
South Melbourne
Level 3/67 Palmerston Crescent, South Melbourne, VIC 3205
Gold Coast
Level 10, 36 Marine Parade Commercial Tower, 36 Marine Parade, Southport QLD 4215
Explore more in our blog
Frequently asked questions
How do trauma insurance payments work?
Trauma insurance pays a lump sum payment if you're diagnosed with a covered medical condition, such as cancer or heart disease. This payment can be used however you see fit—whether it’s for medical bills, rehabilitation, or maintaining your lifestyle while you recover. Our advisors ensure that your trauma insurance payments align with your financial goals, helping you navigate the claims process and maximise the benefits.
Should I consider income protection insurance alongside trauma insurance?
Income protection insurance and trauma insurance serve different purposes but complement each other well. Income protection provides ongoing monthly benefits if you’re unable to work due to illness or injury, whereas trauma insurance offers a one-time lump sum payment for serious medical conditions. Our advisors can help you decide whether integrating both types of insurance makes sense for your financial plan.
How does trauma insurance fit into a broader financial strategy?
Trauma insurance is a key component of a comprehensive financial strategy designed to protect your wealth in times of health crises. Our advisors help you understand how to integrate trauma insurance with other coverage options, like a private health insurance or life insurance policy, to ensure you have a holistic plan in place. By doing so, you can avoid tapping into your savings or liquidating investments during times of crisis.
Can I claim trauma insurance as a tax deduction?
Generally, trauma insurance premiums are not tax-deductible in Australia because they do not replace lost income. However, understanding the nuances of how trauma insurance fits into your tax and financial planning can make a difference. Our team helps you navigate the ATO claim trauma insurance process and ensure that your broader financial strategy is aligned with your insurance needs.
What is critical illness insurance, and how is it different from trauma coverage?
Critical illness cover and trauma cover are often used interchangeably, but they may have distinct features depending on the policy. Critical illness insurance provides a lump sum when you're diagnosed with a specified critical illness, while trauma cover generally includes a broader list of conditions. Our advisors help you understand which type of coverage best suits your financial goals and health concerns.
How does a trauma insurance payment work in practice?
A trauma insurance payment is a lump sum payment made if you are diagnosed with a condition covered under your policy, such as cancer or a heart attack. This payment can be used to cover medical expenses, rehabilitation, or any other financial obligations, providing you with the flexibility and support needed during recovery.
What should I know about making a trauma insurance claim?
Making a trauma insurance claim involves providing evidence of your diagnosis and fulfilling any other requirements outlined in your policy. Our team helps guide you through this process to ensure that your claim is processed smoothly, allowing you to focus on your recovery. We offer support to navigate the paperwork and ensure you receive the benefits you're entitled to.
Contact us today
Ready to protect your future? Fill out the contact form below, and our team will help you create a trauma insurance plan that gives you peace of mind.
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