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Disability, Accident & Critical

Home / Disability Accident Critical

Financial Security for Life’s Critical Moments

Protect Your Income, Not Just Your Insurance

If your paycheck stopped tomorrow due to illness, injury, or a major health event, how long would your lifestyle, savings, or retirement plans stay on track? Income protection isn’t a luxury — it’s the foundation of a real financial plan.

At O’Rourke Life & Retirement, we help you build a simple, tailored protection strategy using disability income insurance, accident benefits, critical illness coverage, and hospital recovery plans — so a health setback doesn’t become a financial crisis.

Compare Your Best Options Apply Online Below ↓

The Reality of Losing Your Income

Most people insure their property, cars, and valuables — but not the paycheck that pays for all of it. A serious illness or injury can disrupt your income far longer than your savings can withstand.

  • Your bills, mortgage, and daily expenses continue even if your income stops.
  • Medical bills often spike during recovery, adding pressure.
  • Using retirement funds early can derail long-term financial goals.

Income protection keeps money coming in if you’re unable to work — protecting your lifestyle, savings, and family.

Key Income Protection Solutions

We help you combine the right tools — not just one policy — to protect your paycheck and your future.

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Disability Income Insurance

What it does: Replaces a portion of your income if illness or injury prevents work.

Why it matters: Your paycheck is your biggest asset. DI insurance protects it.

Best for: Anyone relying on income to support their life or family.

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Accident Insurance

What it does: Pays benefits for injuries and accident-related medical costs.

Why it matters: Helps cover deductibles, missed work, and recovery expenses.

Best for: Active families, contractors, and high-deductible health plans.

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Critical Illness Coverage

What it does: Provides a lump sum for cancer, heart attack, stroke, and serious illnesses.

Why it matters: Cash flexibility for medical bills, travel, or household expenses.

Best for: Anyone wanting financial protection from life-changing diagnoses.

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Hospital & Recovery Benefits

What it does: Pays benefits for hospital stays, surgeries, and short-term gaps.

Why it matters: Helps offset deductibles and sudden medical costs.

Best for: Those with limited savings or high medical exposure.

Why Work With O’Rourke Life & Retirement

  • Independent access to top-rated insurers.
  • No-pressure guidance — education first, sales last.
  • Integrated planning for life insurance and retirement.
  • Direct one-on-one service with Greg O’Rourke — not a call center.
Compare Your Best Options Apply Online Below ↓

Benefits, availability, and policy features vary by state, carrier, and underwriting. This page is for educational purposes only. Consult a licensed insurance professional for personalized recommendations.

Skip the Paperwork — Apply Online Below

Fast, simple, and 100% electronic. Compare your best options and apply online in minutes — with instant decisions available for many plans.

Scroll Down to View Your Options ↓
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Disability Insurance That Matches Your Income

At O’Rourke Life & Retirement, we don’t believe in one-size-fits-all coverage. We design income protection based on your job, your income, your health, and your financial goals — whether you’re a nurse, contractor, professional, gig worker, or high-income earner.

Instant-Decision Income & Protection Options

We partner with Manhattan Life and Assurity Life to offer simple, fast, instant-decision coverage for qualifying applicants — no medical exams for many plans.

  • Term Life Insurance (Assurity) — with optional Disability & Critical Illness Riders Instant decision available up to $1,000,000 (ages 18–50) and $500,000 (ages 51–65).
  • Short-Term Disability Insurance — instant decision available for many applicants, weekly benefits up to $1,500.
  • Long-Term Disability Insurance (Century+) — monthly benefits up to $20,000 available with simplified underwriting.
  • Critical Illness Coverage — instant decision lump-sum benefit for cancer, heart attack, or stroke.
  • Accidental Death Insurance — up to $350,000 with no medical questions, available to age 70.

Disability Income Protection Options

Short-Term Disability Insurance

  • Weekly benefits: $50–$1,500
  • Elimination period: 0 days available
  • Benefit periods: 13 weeks to 2 years
  • Instant decision available for many applicants

Long-Term Disability (Assurity Century+)

  • Monthly benefits: $500–$20,000
  • Elimination periods: 30 days+
  • Benefit periods: 1–10 years, to-age-65, or to-age-67
  • Highly flexible; ideal for professionals & business owners

Combine Short-Term and Long-Term DI for complete income protection — perfect for everyday earners looking for fast, affordable coverage.

High-Net-Worth Disability Planning

Fully underwritten plans are available for high-income professionals earning $250,000+ annually, entertainers, executives, athletes, and business owners who need larger, customized disability protection.

  • Monthly benefit amounts above $20,000
  • Specialty underwriting for high-risk / high-visibility careers
  • Custom benefit periods and elimination periods
  • Access to multiple top-rated disability carriers for advanced income protection needs

Standard Disability vs. High-Net-Worth Disability Protection

Standard Disability Insurance

  • Monthly benefit amounts typically up to $5,000–$10,000
  • Standard underwriting
  • Basic occupation classes
  • Traditional elimination & benefit periods
  • Designed for middle-income workers

High-Net-Worth Disability Insurance

  • Monthly benefits above $20,000+
  • Specialty underwriting for executives & high-visibility careers
  • Occupation classes for entertainers, athletes, and high-risk professions
  • Custom elimination & benefit periods
  • Access to multiple top-rated DI carriers

How Instant-Decision Protection Works

1
Get a personalized quote.
Answer simple questions. Adjust your coverage and benefit levels.
2
Apply online.
Most applications take only minutes with a near-instant decision.
3
Gain peace of mind.
Your income, family, and lifestyle are protected if life takes an unexpected turn.

Additional Income Protection Solutions

Disability Income Protection

Protect your income if illness or injury prevents you from working. Ideal for nurses, professionals, tradespeople, self-employed workers, and small business owners.

Get Quote & Apply

Accident Coverage

Provides lump-sum benefits for injuries, ER visits, ambulance rides, and accident-related medical care.

Get Quote & Apply

Critical Illness Insurance

Pays a tax-free lump sum for cancer, heart attack, stroke, or other major health conditions.

Get Quote & Apply

Accidental Death (AD&D)

Up to $350,000 in coverage with no health questions or medical exams. Available up to age 70.

Get Quote & Apply

Hospitalization Plans

Helps cover high deductibles, hospital stays, surgeries, and emergency medical costs.

Get Quote & Apply

Home Healthcare Insurance

Recover at home with affordable coverage for skilled nursing, therapy, and personal care. Ages 49–89.

Get Quote & Apply

Short-Term Medical Insurance

Flexible, temporary health coverage with next-day effective dates for qualifying applicants.

Get Quote & Apply

Assurity Term Life with Monthly Disability Rider

Protect your family and your income with one powerful policy. Assurity’s term life insurance offers an instant decision for many healthy applicants — with optional riders that add living benefits, disability coverage, and return of premium.

  • Instant Decision: Up to $1,000,000 (ages 18–50) and $500,000 (ages 51–65)
  • Traditional Underwriting: Up to $10 million in coverage
  • Monthly Disability Rider: Pays monthly benefits if illness or injury prevents you from working
  • Return of Premium Rider (ROP): Get back up to 100% of paid premiums*
  • Living Benefit Riders: Access death benefit early for qualifying illnesses (accelerated benefits)

*The Return of Premium feature is provided under the Endowment Benefit Rider (ROP Rider in some states). Only available on 20- and 30-year term policies. Rider fees and premiums for other riders are not returned. The ROP Rider returns premiums paid for the term base policy and the ROP Rider, minus any benefits paid.

Protect Life & Income

Be Covered When Life Throws the Unexpected!

GET QUOTES

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

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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