Specialised cover designed to protect your career, wellbeing and earning capacity when injury or illness gets in the way. OSE provides strategic advice to structure the right income protection for your profession and support you through the claims process when it matters most.
Income Protection Insurance, often referred to as Salary Continuance Insurance, exists to protect your most valuable asset – your ability to earn an income.
In the event that illness or injury prevents you from working for an extended period, income protection provides a consistent monthly benefit to support essential financial obligations and preserve stability. It allows recovery to take precedence,without the pressure of financial compromise.
Unlike lump sum insurance, income protection is designed to replace a proportion of your income on an ongoing basis, for as long as you remain unable to work or until the conclusion of the agreed benefit period.
Each policy is deliberately structured to reflect the individual, their profession, income profile, and risk exposure. Waiting periods, benefit periods, and policy definitions are foundational to the contract. These provisions govern not only eligibility, but the certainty with which a claim is honoured.
For professionals, business owners, and athletes, income protection is not a contingency. It is a strategic safeguard. It preserves independence, protects lifestyle, and maintains financial authority during periods of vulnerability. When implemented with precision and supported by experienced claims advocacy, income protection becomes an essential pillar of enduring financial security.
Our opening hours are:
Monday – Friday: 7am – 5pm
Sat – Sunday: Closed
Income Protection Insurance (often referred to as Salary Continuance Insurance) insures your most valuable asset—your income. If you are unable to work for an extended period of time due to a serious accident or illness, you may well be eligible to claim on your Income Protection Insurance.
For most of us, if our income were to stop, we would be placed under considerable financial pressure, compounded by the illness or injury that has caused it. The last thing we need at such a trying time is an insurance claim that seems to drag on, caught up in red tape. At OSE we ensure that your claim is as simple and efficient as possible, managing the entire process for you whilst you focus on recovering and becoming healthy again.
We have had the pleasure of facilitating the speedy payment of many Income Protection claims and ensuring our clients receive the maximum benefits to which they are entitled. On countless occasions we have exceeded our client’s expectations by seeing that they receive the extra ancillary benefits they are entitled in the full amount payable. We have dealt with claims where a client has been underpaid by the insurer and our analysis of their income has seen that they were subsequently paid their entitlements in full.
Life Insurance provides your loved ones with financial relief at a time when they need it most. In the event of your death, it is crucial that your family receives this benefit without unnecessary hassle or stress. The experience of a trusted adviser at this time can be invaluable when it comes to ensuring that you receive your payout in the most efficient manner possible. We leverage decades of experience in the field to streamline the process of claiming, to ensure your benefit arrives in as timely and efficient a manner as possible.Our experience with many of the Australia’s leading insurance companies has enabled us to develop relationships that allow us to provide you with access to senior level executives at many companies. This helps us ensure that you are getting the best service possible.
What is Life Insurance?
Life Insurance provides your loved ones with financial relief at a time when they need it most. Whilst it’s something no one likes to consider, the financial burden placed on your family members in the event of your death may have serious implications for their future. Give yourself and your loved piece of mind that they will be able to manage financially should the unthinkable occur.
Life insurance gives you peace of mind that your family can survive financially without you. Make sure that your life insurance is working for you, and that your family will be able to maximise payout in the event of a claim. Contact OSE to safeguard your family’s future.
OSE can benefit you in a very significant way. Our advantage is our standing in the insurance community. We leverage decades of experience in the field to streamline the process of claiming, to ensure your benefit arrives in as timely and efficient a manner as possible. Our experience with many of the Australia’s leading insurance companies has enabled us to develop relationships that allow us to provide you with access to senior level executives at many companies. This can result in favourable outcomes for you when structuring your insurance and at the time of claim.
Total and Permanent Disability (TPD) Insurance provides you with a payout in the event you become totally and permanently disabled. Total and permanent disability typically refers to you suffering an injury or illness that permanently affects your ability to return to work.
The process of making a TPD Insurance claim is known to be tough due to many policies having difficult-to-understand definitions and requirements, which could result in a reduced payout for the policy holder. Engaging OSE can take significant stress out of the process and we will assist you in an ensuring the process is efficient. It is therefore crucial to utilise the services of an expert adviser when beginning the TPD Insurance claims process.
What is the TPD Insurance Claims Process?
If you are unable to work due to a serious accident or illness, you may well be entitled to a TPD Insurance claim. If you find yourself in this position do not hesitate to contact us for an obligation free initial assessment of your claim. Not only will you enjoy peace of mind that your TPD Insurance claim is in the hands of experienced professionals, we will be able to guide you step by step through the claims process to ensure you receive the maximum level of compensation you deserve.
Trauma Insurance (often referred to as Critical Illness Insurance) provides financial relief to you and your loved ones in the event you are diagnosed with one of a predefined list of critical illnesses.
Trauma Insurance policies vary drastically in what they cover with the number of conditions being covered ranging from as little as 10 to as many as 60.
At OSE, we specialise in the end-to-end management of claims for Disability insurances such as Trauma Insurance. Our significant expertise in this field has allowed us to provide many people around Australia with the claims outcome they deserve. We have helped many Australian’s that have had their Trauma Insurance claim declined or denied. We are able to leverage our knowledge and industry experience to advocate for you when you need it most.
Here is what you can expect from us. We put the protection of your wealth first.
We’ll gather all the information we need to get a clear understanding of where you are and where you want to be financially should the unforeseen injury or illness happen. We will walk you through the process in our initial meeting.
We’ll look deeply at our assets, liabilities, superannuation, investments, tax, life insurance and more to build a tailored protection strategy that connects the dots between your current financial situation and where you want to be should anything unforeseen happen to you.
We’ll present a tailored plan for protecting your financial life, based on all of the information you gave us. We’ll outline the entire process, timing, implementation of steps and answer any questions you might have.
We’ll collaborate directly with you to ensure your protection plan stays on track, adjusting as necessary when your lifestyle, goals or financial landscape changes.
We will hold your hand and manage the claim process for you; because this is where you will need us the most and we will always be there.
Simple, honest guidance so you can be confident you’ve got the right contracts, protection, and advice for your long-term future.
