Tailored Insurance. Trusted Guidance.
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(904) 373-8374

info@golifeandhealth.com

Mon - Sat 9am-8pm

Sunday Closed

St. Augustine, FL

Multi-State Offices

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Trusted Insurance & Retirement Planning

Protect Your Retirement,
Your Life,
& The People You Love

Independent guidance. Top-rated carriers. 100% free service to you — always.

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✓ 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 solution 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 →
Long-Term Care Planning
Long-Term Care The Risk 70% of Families Never Plan For

A few years of care can quietly drain your entire retirement. Our free LTC Preview matches you to the right coverage path — no pressure, no paperwork, no obligation.

  • ✓ Standalone, hybrid & asset-based LTC options
  • ✓ Benefits up to 2×–4× your deposit
  • ✓ Heirs receive unused benefits — not "use it or lose it"
  • ✓ Secure questionnaire direct to our underwriters
Get Your Free LTC Preview →
Top Rated Life Carriers
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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.

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Retirement & Annuities

Guaranteed lifetime income, tax-deferred growth, and smart strategies for wealth transfer.

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Life Insurance

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

Get Protected
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Extended & Long-Term Care

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

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Medicare Supplement (Medigap)

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

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Income & Health Protection

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

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Business Insurance

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

Protect Your Business

Retire with Peace of Mind

Safe-money strategies that protect your wealth, guarantee your income, and secure your legacy—without market risk or advisor fees.

Retirement & Wealth Protection - O'Rourke
✓ Protection & Guaranteed Income from Top-Rated Carriers

Retirement & Wealth Protection

Safe-money strategies designed to grow, protect, and preserve your wealth for life—with zero market risk, no advisor fees, and 100% of your money working for you.

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Free Service

No advisor fees. No management charges. No commissions taken from your account.

100%

Of Your Money

Every dollar you place stays working for you—not paying advisor fees.

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Market Risk

Principal protection guaranteed—grow safely without stock market volatility.

Tired of Low CD Rates?

MYGAs (Multi-Year Guaranteed Annuities) offer current fixed rates up to 5%+ with tax-deferred compound interest, no market risk, no management fees, and full principal protection.

5%+
Guaranteed Rates
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Market Risk
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Management Fees
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Fixed & Indexed Annuities

Safe growth, tax-deferred returns, and guaranteed income you can't outlive. Protect your principal while building secure retirement income.

Explore Annuities
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Inherited Annuities & IRA Strategies

Navigate inherited retirement accounts with tax-efficient distribution strategies. Maximize your inheritance while minimizing tax burdens.

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Roth Conversions & Tax Planning

Pay taxes now at lower rates and enjoy tax-free retirement income later. Smart planning for long-term tax savings.

View Strategy
🏛️

Legacy & Wealth Transfer

Protect your estate from probate delays and taxes. Efficient strategies preserve wealth and ensure your legacy lives on.

See Options
🏥

Long-Term Care Solutions

Hybrid LTC policies protect your assets while providing tax-free care benefits. Benefits pass to heirs if care is never used.

Discover Options
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

We represent you, not the insurance companies. With 90+ carrier options, your solution is chosen for performance and protection—not commissions.

3

Get Protected

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

Start Your Free Consultation
WHAT CLIENT SAY?

Satisfied Clients

See what our clients are saying about the peace of mind, personalized service, and expert guidance they’ve received with O’Rourke Insurance Solutions

Greg O'Rourke and his team provided clear, unbiased guidance on Medigap plans. They took the time to explain my options without any pressure and helped me find the best supplemental coverage. He made it make sense and made a tough choice simple. No pressure, highly recommend!

Rick F Radio Personality

Greg showed me I was overpaying for life insurance and helped me get six times more coverage for less money. He’s been instrumental in setting up my annuities, outperforming my brokerage account, and guides me with tax-advantaged retirement planning. His ongoing support has made a real difference.

Tammy M Paralegal

Truly puts clients first! I was set on switching plans, but he showed me my current plan was actually the best choice. Another company tried to push a bad plan on me, and Greg made sure I didn’t fall for it. He spent tons of time helping—never any pressure. Honest, knowledgeable

Marilyn O Medical Business
OUR BLOG

Latest Blog & Articles

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

The Medigap Mistake That May Cost You Later!
May 6, 2025 0

The Medigap Mistake That May Cost You…

THE MEDIGAP MISTAKE THAT MAY COST YOU LATER The Medigap Misunderstanding: The Medicare Decision That…

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Term vs. Whole Life Insurance: Which One is Right for You?
March 18, 2025 0

Term vs. Whole Life Insurance: Which One…

Term Vs Whole Life Insurance: Which One Is Right For you? Term Life vs. Whole…

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Final Expense Burial Insurance: What You Need To Know!
March 18, 2025 0

Final Expense Burial Insurance: What You Need…

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

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Better Coverage, Smarter Savings

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

Compare Your Best Options

We believe buying insurance should be simple, stress-free, and affordable. That’s our commitment to you!

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Contact Info

  • Main Office St. Augustine, FL
  • (904) 373-8374
  • info@golifeandhealth.com
  • Mon - Sat 9am-8pm

Our Services

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© 2025 O’Rourke Life & Retirement. All rights reserved. Specializing in fixed annuities, life & health insurance solutions. We are not a registered investment adviser or securities broker-dealer and do not provide investment, tax, or legal advice. Insurance products offered by Greg O’Rourke, Licensed Insurance Agent & Financial Professional. Not connected with or endorsed by the U.S. government, Medicare, or the Federal Marketplace. Licenses: FL #G166831 | National Producer #21340769 | Multi-State Licensed Agent