Ogle Advisers 1 Irvine Street, Upwey, Victoria 3158

Welcome to Ogle Advisers, located in Upwey, Irvine Street, 1. We are an established insurance agency and a point of interest in Australia. Since our inception in 1990, life insurance has been our passion and the sole reason for our existence. While there have been numerous changes in the industry over time, our commitment to you remains unwavering.

At Ogle Advisers, we go beyond just providing a policy. Our expertise lies in designing and implementing insurance programs that not only meet your immediate needs but also adapt to the changes that occur in your life. We understand that life insurance can be overwhelming with all the information out there, but you don't need to understand it all to get started. The premise is simple: life insurance offers you peace of mind while you're alive and financial support to your loved ones when you're gone.

Life insurance can make a significant difference for you and your family, not just financially but emotionally as well. It serves as an agreement between you and the insurance company, where you make regular premium payments, and in the event of your untimely death, the company pays a lump sum benefit to your beneficiary. This benefit is usually tax-free, but there may be certain circumstances where it becomes taxable. Other forms of benefits are generally tax-free as well, depending on their structure.

Do you need life insurance? Most likely, especially if someone depends on you for financial support. Starting a family comes with the responsibility of ensuring that there's enough coverage to clear any debts and replace your income, so your spouse or partner and children have the support they need. As you navigate through different stages of life, we'll be there to ensure that your insurance program continues to meet your evolving needs.

For just cents on the dollar, life insurance provides unparalleled financial protection. This benefit allows families and businesses to more easily cope with the financial challenges that arise from a premature death, major trauma, total and permanent disability, or the loss of an income stream. People purchase life insurance for peace of mind, knowing that their loved ones will be taken care of if anything happens to them.

To determine how much insurance you need, it's important to consider your financial commitments and obligations, such as your home loan or other personal and/or business debts. Our expertise in this area allows us to assist you through a financial needs analysis. We work with you to find the most cost and tax-effective way to structure your policy, whether it's for personal or business needs.

In addition to life insurance, we offer additional services through our financial partners. These services cover areas such as providing financial security and certainty in the event of the untimely death of a loved one, ensuring sufficient funds to clear debts and meet medical expenses in the event of total and permanent disability, and providing a lump sum upon the diagnosis of a serious illness like cancer, heart attack, or stroke.

We also understand the importance of income protection. While most of us have sick leave to rely on during illness or injury, there are instances where recovery takes longer than any paid leave can cover. As a business owner, the impact of not working also means having ongoing business expenses to cover on top of your wage. That's where income protection comes in, ensuring that you have financial support during these challenging times.

Feel free to give us a call. We'd love to chat with you and show you how simple it can be. At Ogle Advisers, we are dedicated to providing financial security and peace of mind to individuals and families. Visit our website for more information and access to our Privacy Financial Services Guide.