Personal insurance

Comprehensive personal insurance advice and guidance

Liston Newton Advisory is rated 4.8 from 32 reviews

Personal insurance delivers a plan that ensures your family is provided for, no matter what happens

At Liston Newton Advisory, we believe that proper financial planning will help you reach your goals. Personal insurance is a method of supporting this plan, and is designed to protect you and your family against unforeseen circumstances, such as illness, accident, or death.

We help you understand the personal insurance types out there, what they cover, and how you can implement them in the most appropriate and cost-effective way.

Life insurance
Income protection
Trauma insurance

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Personal insurance services

Learn more about your business with our comprehensive guides

At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.

  • Discover tax strategies and business structures available to you
  • Understand and apply new business management technology
  • Get in touch with us for information tailored to your business

Get personal insurance advice from the experts

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40 years of experience

We have over 40 years of experience helping our clients leverage personal insurance plans to protect their personal wealth.

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Holistic advice

When it comes to your personal insurance strategy, we take a holistic approach, and include financial planning, tax advice and estate planning to integrate the full financial picture.

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Access to trusted networks

Make the right personal insurance decisions by tapping into our trusted network of financial advisers, estate planners, and a panel of over 15 insurance companies to get you the best deal.

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A long-term collaborative approach

We take the time to ensure you fully understand your personal insurance decisions, and gain the knowledge to make the right choices for your future.

Meet our personal insurance experts

Our personal insurance advisors are here to help you make the right choices for your future, and that of your family. This includes determining whether personal insurance is a suitable choice for your financial situation.

We guide you through the process to help you understand what’s involved in your personal insurance and the level of cover you need to ensure you’re completely covered, no matter what.

Our work doesn't stop once your personal insurance is set up, either. We stick by you to help review your cover each year to reduce your cover over time as your personal wealth builds.

Kieran Liston, Director | Adviser

Meet your personal insurance team

We have worked with Liston Newton's Accountancy and Advisory Team for over a decade. During that time, our business has grown substantially both organically and through purchases. This wouldn’t have been possible without Liston Newton Advisory to assist with our business planning, providing proactive advice and ensuring our accounts were always compliant in a complex and volatile industry.
Karsten Horne
CEO, Reho Travel
Liston Newton's Accountants analysed our financial and business situation and helped us implement strategies to improve our position. Their strategies turned our business from making a loss, to recording a 6-month net profit of 36 per cent. And we are now on track to show a 240 per cent increase in turnover over the next financial year.
Lisa Clarke
SL Constructions
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.
Peter Luskan
Pandora

Our method for your personal success

We know that personal insurance is an often misunderstood subject. So our team works with you to help you understand how it fits into your personal wealth plan. We take a holistic view of your financial situation and personal wealth goals so we can give you the most effective personal insurance advice and support right from the outset.

This is part of our unique methodology that we call Get Set, Get Moving, Get Free.

Find out how we do things
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Personal insurance advisers you can trust

Our expert personal insurance team helps you get complete peace of mind.

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Talk to our personal insurance advisers today

Knowing that your financial future is taken care of is invaluable. We’ll help you achieve it.

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Frequently asked questions

What types of personal insurances are there?

There are several different personal insurance types available in Australia.

Life insurance

There’s no way to sugar-coat it: life insurance is designed to provide for your family in the unfortunate circumstances that you pass away. It provides a lump sum to your beneficiaries, and can help to pay for funeral costs, provide future income for your partner, and meet any existing financial obligations when you’re no longer around.

Trauma insurance

Trauma insurance provides a one-off lump sum payment to cover any serious medical condition, such as heart attacks, stroke, or cancer. Trauma insurance is one of the more commonly claimed personal insurance types, and as such, it can be one of the more expensive personal insurances. However, it’s worth it to provide peace of mind that you’re covered in the event of any serious health conditions.

Income protection

Income protection is a personal insurance type that covers you in the event that you can’t work, due to illness or injury. It provides a steady income stream of up to 75% of your gross monthly income.

How do I know if I need personal insurance?

Personal insurance protects you and your family against unforeseen circumstances such as death, illness or accidents. It ensures that you have protection in place to help you achieve your personal wealth goals should anything go amiss. As such, personal insurance is a sensible idea for anyone looking to safeguard their financial plans.

However, when it comes to life insurance, you’ll typically only need this personal insurance type if you have dependents who rely on your income to survive.

What is the cost of personal insurance to have good cover?

When looking into personal insurance in Australia, the cost of your personal insurance type will depend on many factors. These can include:

  • Gender
  • Age
  • Medical history
  • Lifestyle factors, such as whether or not you smoke
  • Your occupation and any associate risks
  • Hobbies that may affect your cover
  • How you purchased your cover
  • The level of cover you take out.

While we can’t provide you with an exact dollar amount here, you’ll typically pay anywhere from $35.00 to $50.00 per month for a personal insurance policy that covers you for approximately $500,000.

But this is just an approximate amount. Your personal insurance adviser can work with you to determine the personal insurance plan that’s suitable for your situation.

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