866-812-4777

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St. Augustine, FL

Multi-State Offices

Trusted Insurance & Retirement Planning

Protect Your Income,
Your Life,
& Your Legacy

Independent guidance. 90+ top-rated carriers. Know your best options before you apply.

Explore Your Options →
100% Independent 100% Free Service to You 90+ Top-Rated Carriers No Pressure. Ever.
Not a quote engine. Not a call center.

A Strategic Independent Partner.

Most insurance websites push one company, one product, or one quick quote. At O'Rourke Life & Retirement, you work directly with a licensed independent professional with access to 90+ top-rated carriers — using advanced underwriting intelligence to match you with the right options before you ever apply.

Approval Odds Probability shown before any application is submitted
Multi-Carrier True comparison across 90+ carriers — not limited panels
Zero Fees Zero advisor-style fees. Ever.
Real Guidance Not automated sales funnels — a licensed professional

Other sites sell quotes. We deliver clarity, protection, and long-term confidence.

Term Life Insurance
Life Insurance Coverage in Minutes — Know Your Odds First

Don't apply blindly and hope. Our Term Express platform matches your profile to 90+ carriers and shows your exact approval probability — before a single application is submitted.

  • Same-day coverage for qualified applicants
  • No exam options — terms up to 40 years
  • 450,000+ data points — best carrier match
  • Living benefits included with select carriers
See How Term Express Works →
Retirement & Annuities
Retirement & Annuities 5%+ Guaranteed Rates. Zero Market Risk.

Tired of low CD rates? MYGAs and indexed annuities offer guaranteed growth and lifetime income — with full principal protection and zero advisor fees.

  • 30+ top annuity carriers compared for you
  • 5%+ MYGA guaranteed rates available now
  • Free third-party annuity performance review
  • $0 advisor fees — 100% of your money working
Compare Annuity Options →
Disability insurance income protection for working professionals />
Income Protection / Disability The Risk That Can Stop Your Income

Your income can stop before you expect it. Our quick DI review shows you how to choose the right coverage options — before you ever apply.

  • Individual, business & high-risk DI solutions
  • Monthly income replacement based on your earnings
  • Coverage for illness, injury & specialty occupations
  • Know your options before you ever apply
Compare Income Protection →
Top Rated Life Carriers
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Zero Pressure, Zero Gimmicks
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Professional Insurance Services - O'Rourke
Our Services

Professional Insurance Services Tailored for You

We work directly with top-rated carriers and leading wholesale brokerages—giving you access to pricing and protection most agencies can't offer. No middlemen. No inflated costs.

🛡️

Life Insurance

Term, whole, universal, and indexed life with living benefits and estate-planning support.

Get Protected
🏥

Extended & Long-Term Care

Hybrid LTC, linked-benefits, and asset-based solutions for home, community, or facility care.

Learn More
💊

Medicare Supplement (Medigap)

Independent, no-cost support for choosing the right Medicare Supplement coverage.

Compare Plans
💼

Income & Health Protection

Accident, disability, hospital indemnity, and critical illness coverage to protect your income.

Get Covered
🏢

Business Insurance

Buy-sell agreements, key person coverage, and succession planning for business owners.

Protect Your Business
✓ Protection & Guaranteed Income from Top-Rated Carriers

Retire with Peace of Mind

Safe-money retirement strategies designed to protect your principal, grow your wealth, and provide guaranteed income — without market losses.

Retired couple enjoying peace of mind on the beach
100% Free Service No planning fees. No advisory billing. Ongoing support included.
100% Of Your Money Works Every dollar stays working for you — not paying advisor fees or management charges.
0% Market Risk Your principal is fully protected. Grow safely and confidently — without market losses or volatility.
How It Works - O'Rourke
How It Works

Simple, Transparent Process

Get the coverage you need in three easy steps—always on your terms.

1

Free Consultation

We discuss your needs, budget, and goals. No pressure, just honest guidance.

2

Compare Your Options

Independent access to 90+ carriers and leading brokerage networks allows us to compare options objectively. Your recommendation is built around your goals — not a single company’s agenda.

3

Get Protected

We handle the paperwork, activate your policy, and provide ongoing support.

OUR BLOG

Latest Blog & Articles

Stay Current on the latest news and information on insurance products.

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Final Expense Burial Insurance: What You Need To Know Final Expense Insurance: What You Need…

Better Coverage, Smarter Savings

Protect What Matters – At the Right Price.  Affordable Coverage, Trusted Protection