Personal Insurance

Protect what matters most to you

Tailored Insurance Advice for Life’s Unexpected Moments

You work hard to create a secure future – but real security isn’t just about what you build, it’s about what you protect. Life can change in an instant. Illness, injury, or loss can place enormous financial pressure on you and your loved ones at the exact moment you need stability the most.

At 4Front, we help you put the right safety nets in place with personal insurance strategies designed to protect your income, your lifestyle, and your future. We simplify the complexities, guide you through your options, and ensure you’re covered with confidence – so you can live fully, knowing your loved ones are safeguarded.

Peace of mind today. Financial security for tomorrow.

Key Personal Insurance Services

Income Protection Insurance

Even a temporary loss of income can derail your financial stability. Income protection replaces a portion of your salary while you recover helping you keep up with expenses and commitments. We help you compare policy structures and benefit periods, and assess tax effectiveness, to find the right cover for your needs.

Life Insurance

The financial impact of losing a loved one can be devastating. Life insurance provides a lump sum payout that supports your family with mortgage repayments, education costs, and living expenses. We guide you in selecting cover that reflects your responsibilities – and gives your family long-term peace of mind.

Total & Permanent Disability (TPD) Insurance

If a permanent disability stops you from working, the financial implications can be just as life-altering as the diagnosis itself. TPD insurance provides a one-off payment to help you cover medical bills, lifestyle changes, and everyday costs. We help you navigate definitions and policy structures to ensure you're properly protected.

Trauma / Critical Illness Insurance

A critical illness can bring sudden, unexpected expenses – from treatment and rehabilitation to time away from work. Trauma insurance provides a lump sum upon diagnosis, giving you breathing room to focus on recovery – not finances. We help you tailor the right level of cover based on your personal risk exposure and financial position.

The 4Front Approach: Insurance That Fits Your Life

Insurance shouldn’t be a guess or a generic product. It should be part of a bigger picture that reflects your life, your goals, and your responsibilities. That’s why we take a personalised, strategic approach to every recommendation.

Step 1: Discovery & Understanding

We start with a conversation. Learning about your lifestyle, family needs, financial goals, and what a secure future means to you helps us identify any gaps in your current cover and clarify your protection priorities.

Step 2: Risk Assessment & Strategy

Using our financial expertise, we assess your exposure to key risks – such as loss of income, illness, or disability – and outline which insurance solutions best mitigate those risks. We explain your options clearly, without jargon.

Step 3: Tailored Policy Recommendations

We match you with products that reflect your needs and budget – whether that’s choosing between stepped or level premiums or optimising your trauma and life cover. It’s all about balance, value, and peace of mind.

Step 4: Implementation & Ongoing Support

Once you're confident in your cover, we handle the paperwork and policy setup – and we’re here when it matters most, providing guidance and advocacy if and when you need to make a claim.

Protect Your Future with 4Front

Insurance is all about certainty, support, and safeguarding the people who matter most. At 4Front, we help you put the right protection in place today, so you’re ready for whatever tomorrow brings.

Start the conversation. Protect your tomorrow – today.

Ready to Take the Next Step?

Whether you’re scaling your business, planning for the future, or managing tax obligations, we’re here to help you plan, grow, and succeed.

Get started today!

4Front Financial Planning Pty Ltd is an authorised representative of Count Financial Limited ABN 19 001 974 625 holder of Australian financial services licence number 227232 (“Count”). 
Count is owned by Count Limited ABN 111 26 990 832 of GPO Box 1453, Sydney NSW 2001. 
Count Limited is listed on the Australian Stock Exchange.

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