An insurance contract is one of the most important contracts you will sign in your life.



You may not have thought about it this way before, but your biggest financial asset is you. We can develop a financial plan tailored to your goals and objectives to protect you and your family.

Did you know that the majority of athletes and media personnel in Australia are underinsured?

Make sure you’re not one of them, because should the unthinkable happen, leaving loved ones financially exposed in the event of death, disability or illness is avoidable.

Our specialist insurance and risk advisers work with you to ascertain the right level of cover for you, whatever your circumstances, adjusting insurance levels as your journey through life and debt levels dictate.

There are many different types of personal and life insurance that we recommend as part of our risk and insurance advice, these include; life, income protection, total & permanent disability, and trauma insurance.

There will always be a time in your life when your financial responsibilities increase. That’s why it’s important to make sure that the things, and people that matter the most to them are protected, by having tailored and ‘appropriate’ insurance cover in place.


Insurance Claims Experts

At OSE Insurance, we utilise our decades of experience to deliver outcomes for our clients that often exceed their expectations. Leveraging our product knowledge as well as our high level relationships with many of Australia’s top insurance companies, we are able to take the stress out of your insurance claim. All too often do we see claims reduced and even declined for seemingly preventable reasons. We are here to help you when you need it most, to ensure that you receive the money that you are entitled to.

TPD, Disability and Trauma Insurance claims are highly complex, with the need to navigate detailed policy definitions and eligibility criteria. The assistance of a claims adviser will allow you to have peace of mind that your claim is being handled in the most efficient manner possible, letting you focus on your recovery. We have been providing industry leading claims advice to individuals, financial advisers and insurance brokers for well over a decade, often delivering outcomes that they would have been unable to achieve otherwise. To see some of their stories, visit our testimonials page.


Have your claim dealt with in the most efficient manner possible. Enjoy peace of mind that experienced, industry leaders are looking after your future.

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.

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.


We put the protection of your wealth first

First we’ll map out your financial assets and liabilities to provide you with a strategy minimizing risk and financial exposure to the ones you love. Then we will implement this risk mitigation strategy and manage it for you, and should a claim arise, we will be on your side and by your side. Here’s how it works:


Understanding you

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.


Building a plan

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.


Solution delivery

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.


Claim Support & Management

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.

Dr Alan Pearce - Adriana Oreskov - OSE Our Team - Adriana Oreskov

Dr Alan Pearce

Concussion Expert & Neuroscientist

Alan Pearce PhD, is an Associate Professor in the School of Allied Health at La Trobe University. He was an adjunct Senior Research Fellow in the Melbourne School of Health Sciences, The University of Melbourne from 2011-2016. Alan is a neurophysiologist who’s primary research focus is on sports-related concussion. Specifically his research program, using electro physiological techniques, particularly transcranial magnetic stimulation, centres on brain physiology to quantify cognitive and motor impairments in the acute phase post-concussion, and chronic manifestations of repeated concussions associated with mental health and neurological impairment. With 20 years experience in TMS and electrophysiology techniques, Alan also investigates neuroplastic changes following peripheral injury, balance disorders, exercise interventions and rehabilitation. Alan has won ~2.8 million dollars in collaborative research funding and currently has over 100 peer-reviewed publications. With a current H-index of 27 (Scholar) and 22 (Scopus), Alan is regarded internationally for his research work in sports-related concussion and is a regular media commentator on issues surrounding sports-related concussion.

Alan is a member of the following organisations:

Australian Sports Brain Bank
Victorian Manager
June 2019 – Present

La Trobe University
Research Associate Professor
Feb 2017 – Present

Australian Athletes Alliance
May 2016 – Present

Australian Football League
Concussion working party
April 2016 – October 2017

Corporate Keynote Speaker
Concussion expert Dr Alan Pearce has presented at conferences around the world and is a recognised keynote speaker. Combining his scientific knowledge with his experience in elite sport and working with business, Alan is a captivating speaker suitable for various audiences, including business, sport and community.