Who We Are and What We Do
Because the people who depend on you deserve a safety net — no matter what.
Life is full of things we can plan for — and things we can’t. CCF Financial Protection exists to make sure that when the unexpected happens, your family doesn’t have to face it without financial support.
We’re part of the CCF group, the same trusted local team behind CCF Mortgage Brokers and CCF Financial Planning. We’ve helped hundreds of families on the mid and north coast make smart decisions about their money — and now we’re bringing that same local care and expertise to one of the most important decisions you’ll ever make: protecting the life you’ve built.
What Is Financial Protection?
Financial protection is about risk insurance — the policies that step in and pay out when something serious happens to you or a loved one. It includes life insurance, income protection, trauma cover, and total and permanent disability (TPD) insurance.
Think of it this way: most people insure their car, their home, their phone — but not their most valuable asset. You. Your ability to earn an income, care for your family, and keep the mortgage paid is worth protecting just as much as the things you own.
Risk insurance isn’t about expecting the worst. It’s about being prepared for it, so you never have to make a devastating financial decision on top of an already devastating situation.
Our Role
CCF Financial Protection provides specialist risk insurance advice for individuals, families, and business owners across the Coffs Coast corridor and beyond. We take the time to understand your situation — your income, your debts, your dependants, your lifestyle — and recommend cover that’s genuinely appropriate for you.
We’re not here to sell you policies. We’re here to make sure you and your family are protected in the way that makes sense for your life — and that you’re not paying for cover you don’t need.
We operate as Corporate Authorised Representatives under Australian Advisory’s Australian Financial Services Licence. That means our advice is independent, professional, and held to the highest standards in the industry.
Who We Help
We work with:
- Families who want to know their loved ones would be looked after if they were no longer around
- Individuals who rely on their income and couldn’t cover the bills if they were too sick or injured to work
- Small business owners who need to protect their business — and their personal finances — if something went wrong
- People reviewing existing policies to make sure they’re still the right fit
- Clients referred from CCF Mortgage Brokers and CCF Financial Planning who need dedicated protection advice
If you’ve recently taken on a mortgage, started a family, changed jobs, or started a business — now is the right time to review your protection.
Our Approach
We start with a conversation, not a quote. Before we talk policies or premiums, we listen. We want to understand what you’re protecting, what your budget looks like, and what would need to happen for your family to be okay.
From there, we research the market, compare the options, and present you with a recommendation that’s clear, honest, and tailored to you. We explain everything in plain English, and we’re always available to answer your questions — before and after you take out a policy.
We also stay in touch. Life changes — and your cover should keep up.
Working Together with CCF Financial Planning
CCF Financial Protection works hand in hand with CCF Financial Planning. If your financial plan includes building wealth and planning for retirement, it should also include making sure that plan doesn’t get derailed by illness, injury, or death.
Our teams communicate closely, so your protection strategy integrates seamlessly with your broader financial picture. It’s all under one roof, with people who actually talk to each other — which is rarer than it should be.
Let’s Make Sure You’re Covered
A 30-minute conversation could make all the difference for your family. Reach out to the CCF Financial Protection team today — no pressure, no jargon, just a genuine discussion about how we can help protect what matters most to you.