Established in 1986

+61 3 9587 5188

Terms & Conditions

Website Terms of Use

This website is owned and operated by Lowe Financial Group Pty Ltd ABN 40 064 756 216 Authorised Representative No. 246851 of G & G Personal Insurance Advisers Pty Ltd ABN 59 669 752 694 AFSL 559715 (we or us). By accessing and/or using this website and related services, you agree to these Terms of Use, which include our Privacy Policy (available at www.ggpia.com.au) (Terms). You should review our Privacy Policy and these Terms carefully and immediately cease using our website if you do not agree to these Terms. We may at any time vary these Terms by publishing the varied terms of use on this website.

Accuracy, completeness and timeliness of information

The information on our website is not comprehensive or is it intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the maximum extent permitted by law, we make no warranty regarding the information on this website. You should monitor any changes to the information contained on this website.

We may, from time to time and without notice, change or add to the website or the information or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.

Linked sites

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or may not be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.

We will not be liable for any loss or damage from any cause (including negligence) to any system or website caused by or in connection with the use of or a link to our site, whether directly or indirectly. You must take your own precautions in relation to protecting your system or website from viruses or malfunction. You must also indemnify us from any claims which arises from other people linking this website from or through your system or website.

We cannot and do not guarantee that this website or any links from this website will be free from viruses, or that access to this website or any linked websites will be uninterrupted.

No Advice

Any information is intended to be for general information purposes only and is not intended to be relied upon for the purpose of making an investment decision. The site does not constitute an offer of any financial product or an invitation to buy or sell financial products including securities to any person. Investors should seek independent financial and taxation advice before making any investment decisions.

If you require further information or advice regarding the matters described on this website, please contact your financial adviser.

You should seek professional financial advice as to the implications of financial decisions whether investment decisions or otherwise.

Intellectual property rights

Unless otherwise indicated, we own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks and other intellectual property rights) in this website and in all of the material (including all text, graphics, logos, audio and software) made available on this website (Content).

Your use of this website and use of and access to any Content does not grant or transfer any rights, title or interest to you in relation to this website or the Content.

Use of this information or any reproduction of it is allowed for personal use only.

To the extent permitted by law, the Content contained on this website may not be reproduced, distributed, transmitted, or incorporated into any other document or material, without our express permission.

Warranties and disclaimers

To the maximum extent permitted by law, we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure.

We reserve the right to restrict, suspend or terminate without notice your access to this website, any Content, or any feature of this website at any time without notice and we will not be responsible for any loss, cost, damage or liability that may arise as a result.

Liability

To the maximum extent permitted by law, in no event shall we be liable for any direct and indirect loss, damage, or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it (including without limitation, the Content), or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it (including without limitation, the Content) are incorrect, incomplete or not up-to-date.

Jurisdiction and governing law

Your use of the website and these Terms are governed by the law of Victoria and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in Victoria.

Miscellaneous

We can unilaterally vary these terms at any time. By accessing or continuing to access this website after we have varied the terms, you will be deemed to have accepted the varied terms. It is therefore important that you review these terms regularly.      

If any term is declared unlawful, void or unenforceable, that term will be deemed severable and will not affect the validity and enforceability of the remaining provisions of these terms

Lowe Financial Group Are Experts In Risk Insurance. We Are Committed To Working With Our Clients To Provide Tailored Insurance Solutions.

Details

Phone: 1300 725 996

Address: 3 Citrus Street PO BOX 278 Braeside, Victoria, 3195

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© 2024 Lowe Financial Group. All Rights Reserved.

Leanne Weston

Client Services Officer

We were delighted to welcome Leanne to our team in late 2023. With an impressive 16 years of experience at MLC under her belt, Leanne’s previous industry experience has facilitated a smooth transition into her role of Client Service Officer at Lowe Financial Group. Leanne excels in delivering friendly and helpful service to our clients. She works diligently alongside Fiona in the areas of New Business and administration, and together, they ensure the exceptional service we deliver to all our clients.

Jack Lowe

Client Services Officer

Following in the family footsteps, Jack joined the LFG team in November of 2022 following successful completion of his VCE studies. Jack has confidently found his place within our team, assisting in the advice preparation process by liaising with clients and insurers alike, ensuring that our files are complete and that they paint a picture of your circumstances accurately – a vital step in allowing LFG to provide you with the tailored and specialised advice we pride ourselves on. Jack is also undertaking a Bachelor of Business at Deakin University and has demonstrated his eagerness to continue to learn and develop.

Fiona Toulis

Client Services Officer

LFG enthusiastically welcomed Fiona to our team in 2023. Joining us as a Client Service Officer, Fiona brings a wealth of experience in customer service from both Australia and New Zealand, enabling her to deliver exceptional levels of service and support to our clients in both New Business and administrative functions. You are likely to hear Fiona’s friendly Kiwi accent if you call into our office, and she’s always willing to assist should you require any information or assistance regarding your risk insurance portfolio.

Sarah Lowe

Operations

Sarah represents the third generation of the Lowe family to join LFG. Upon commencement in the business during 2020, the peak of a global pandemic, Sarah dedicated her time and effort to the delivery of great customer service with her ever-sunny disposition. After graduating with a Bachelor of Business in 2021, Sarah has since used her prior studies and concentrated on overseeing LFG’s business operations, marketing, and social media, along with the training and development of our newest team members. Sarah continues to further her learning, as she is currently undertaking a Graduate Diploma in Financial Planning alongside Ged, demonstrating her commitment to the delivery of positive outcomes for our clients.

Grace O’Neill

Partner & Client Relationship Manager

Grace became part of the LFG team in 2019 and took great pride in becoming a partner in July 2024. Beginning her career providing customer service to our clients, Grace’s role transitioned as she began joining Ged in all client and referral partner meetings, whilst also assisting in the delivery of required outcomes for our clients and business. Grace’s dedication to the company and enthusiasm for the field prompted her to switch her studies from a Bachelor of Legal & Dispute Studies to a Bachelor of Commerce, majoring in Financial Planning. Additionally, Grace is undergoing her professional year and is enthusiastic about becoming a Risk Adviser once it concludes.

Gerard Lowe

Director

Meet Gerard (Ged) Lowe, a cornerstone of Lowe Financial Group (LFG) since 1988. From beginning work in the industry and business alongside his father, Peter Lowe, Ged has risen to become one of Australia’s leading Risk Insurance Advisers. His extensive knowledge, experience, and dedication to the industry, coupled with his strong relationships with top insurers, enable him to deliver unparalleled advice and tailored insurance solutions for our clients. Ged’s passion for risk insurance is evident in his active participation on advisory councils and his mentorship of the next generation of advisers. Ged continues to be passionate about his work and is currently furthering his education through a Graduate Diploma of Financial Planning at Deakin University to enhance his expertise and continue providing the highest level of service and advice to LFG clients.