4Front – Brisbane Accountants & Financial Advisors for Business and Life.

Phone: +61-7-3875 9888

Email: [email protected]

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Personal Insurance

Protect what matters most to you

4Front adviser discussing life insurance and income protection insurance

Tailored Insurance Advice for Life’s Unexpected Moments

You work hard to create a secure future, but real security is also about protecting what you have built. Life can change quickly. Illness, injury or loss can place significant financial pressure on you and your loved ones at the time you need stability most. 

At 4Front, our financial advisers provide personal insurance advice designed to protect your income, lifestyle and broader financial position. We help you understand your options across life insurance, income protection, TPD and trauma cover, so you can make informed decisions about the protection that may be appropriate for you and your family. 

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. This 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.

Frequently Asked Questions

Personal insurance advice helps you understand the types and levels of cover that may be appropriate for your income, family responsibilities, lifestyle and broader financial position.

4Front can provide advice on personal insurance including life insurance, income protection, TPD insurance and trauma cover.

Income protection insurance can provide a regular benefit if illness or injury prevents you from working, subject to the terms, conditions and waiting periods of the policy.

Yes. Although based in Brisbane, 4Front provides personal insurance advice to clients across Australia with insurance decisions as part of their broader financial planning. 

The right level of life insurance depends on factors such as your debts, income, family responsibilities, future expenses and existing assets. Personal advice can help you assess an appropriate level of cover.

TPD insurance generally provides a lump sum if you meet the policy definition of total and permanent disability, while trauma insurance can provide a lump sum if you are diagnosed with a specified serious medical condition.

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!
          Count Financial Limited, AFSL No. 227232   |    4Front Financial Planning Pty Ltd ABN: 32 133 173 618 | View our Financial Services Guide  

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.

Please note that any taxation and accounting services are provided by 4Front Pty Ltd and are not within the authority of Count Financial Limited’s (“Count”) Australian financial services licence number 227232. 

Please note that any finance broking services are provided by 4Front Finance Broking Pty Ltd ABN: 91 643 014 608 and are not within the authority of Count Financial Limited’s (“Count”) Australian financial services licence number 227232.

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