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Get a Life, TPD, Trauma & Income Protection Insurance Quote — Melbourne

Get a free, personalised quote for Life, Total & Permanent Disability (TPD), Trauma & Income Protection insurance — tailored to your income, occupation, and cover needs. Adam Sobczak, financial adviser at Amber Wealth, reviews every quote personally before providing advice, so you get a recommendation suited to your actual circumstances, not just an automated number.

Details are only required to provide you a quote and advise. All details are kept strictly private in accordance with our privacy policy.

1Basic Details
2Personal Details
3Levels of Cover
4Additional Information

Basic Details

First

Last

Your preferred phone number

Email where we can contact you

What Happens After You Submit a Quote Request

  1. 1

    Step 1 — We Review Your Details

    Adam personally reviews your submission, occupation, and cover requirements.

  2. 2

    Step 2 — We Compare Insurers

    We compare options across multiple insurers to find suitable terms for your circumstances.

  3. 3

    Step 3 — Adam Calls to Discuss

    You'll receive a call to talk through recommendations and answer any questions.

  4. 4

    Step 4 — No Obligation

    There's no cost or obligation to proceed — the quote and initial advice conversation are free.

Frequently Asked Questions About Life Insurance Quotes

Your life insurance quote amount is calculated from the cover sum you choose plus your age, gender, smoking status, health history, and occupation — the factors that set the insurer's risk. The quote shows your premium for that cover; the right sum is usually enough to clear debts and replace income, which we help you work out.

To get an accurate life insurance quote you'll need your date of birth, height and weight, smoking status, occupation, a summary of your health history, and any existing cover. The more accurate your answers, the closer the quote stays to the final premium — and full disclosure is required when you apply, so it's best to gather it upfront.

No, getting a life insurance quote costs nothing and doesn't affect your credit rating — a quote is simply an estimate based on the information you provide, with no obligation to buy. Your credit file isn't checked for a quote, so you can compare options freely before deciding to apply.

It usually takes just a few minutes to get an initial life insurance quote through our wizard, since the estimate is based on your basic details. A formal application with underwriting takes longer — often a few weeks — but the initial quote gives you a clear picture of cost before you commit.

Your premium may change after a quote if the insurer's underwriting uncovers health or lifestyle details that weren't in your initial answers. Stepped premiums also rise each year as you age, while level premiums stay broadly stable — we explain which structure your quote uses so there are no surprises later.

Why Get Your Quote Through a Financial Adviser

Unlike a comparison website, every quote submitted here is reviewed personally by Adam Sobczak, a licensed financial adviser — not just matched by an algorithm. That means the cover recommended actually reflects your income, debts, dependants, and existing insurance, and comes with the option of ongoing advice as your circumstances change.

View Adam's Adviser Profile