To get reliable retirement income growth, many people turn to fixed indexed annuities (FIAs) or income annuities that offer guaranteed lifetime income with the potential for growth based on market performance—without the risk of losing principal. Unlike traditional investments, certain annuities can provide income that grows over time to help keep up with inflation, and you’ll never outlive it.

If you’re looking to protect and grow your retirement income, now is a great time to take advantage of higher interest rates. Multi-Year Guarantee Annuity (MYGA) grows at a guaranteed fixed rate of interest for a specified period of time.

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Life insurance is a contract between you and an insurance company. You pay premiums, and in return, the insurer provides a death benefit to your beneficiaries upon your passing.

There are several types of life insurance to fit different needs:

• Term Life Insurance – Provides coverage for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable.
• Whole Life Insurance – Offers lifetime coverage with a guaranteed death benefit and cash value accumulation.
• Universal Life Insurance – A flexible policy that allows adjustments to premiums and benefits.
• Indexed Universal Life Insurance (IUL) – A type of universal life insurance where the cash value grows based on stock market index performance, offering potential for higher returns while protecting against market losses.
• Final Expense Insurance – Designed to cover funeral and end-of-life expenses.
• Single Premium Life Insurance – A one-time lump sum payment provides coverage for life, with cash value accumulation.
• Business Life Insurance – Policies designed for business owners, including key person insurance (protects a business if a key employee or owner passes) and buy-sell agreements (funded by life insurance to facilitate business succession).

Life insurance provides financial protection for your loved ones by covering expenses such as funeral costs, outstanding debts, mortgage payments, maintaining a life style, leaving a legacy and future financial needs.

The amount depends on your financial obligations, income, and future goals. A common rule of thumb is 10-15 times your annual income, but a personalized needs assessment is best. We can help you with this.

Consider your financial goals, budget, dependents, and coverage needs. If you’re unsure, I can help you explore options that fit your situation.

We partner with top-rated carriers, some of which offer instant decision coverage. With our easy online application, you can get covered in minutes! Simply answer a few health and lifestyle questions, and many applicants will receive an immediate approval—no waiting period required. If further review is needed, we’ll guide you through the next steps.

Yes, some policies offer no-medical-exam coverage, such as simplified issue and guaranteed issue life insurance. These policies may have higher premiums or lower coverage amounts but offer fast approval and instant coverage options.

If you stop paying premiums, your policy may lapse, meaning you lose coverage. Some permanent life policies may use cash value to cover payments temporarily.

In most cases, life insurance benefits are tax-free for beneficiaries. However, exceptions may apply, such as estate tax considerations.

Yes! You can have multiple policies to meet different financial needs, such as a mix of term and permanent coverage.

The timeline depends on the type of policy. No-exam policies can often be issued within 24 hours—sometimes even sooner. Other policies may take a week or two, while those requiring a medical exam could take three to six weeks, depending on how quickly medical records are processed. Our agent can provide an estimated approval timeline and answer any questions you have about the process.

You won’t need to make a payment until your policy is issued and you’ve accepted it. The timing depends on your chosen payment method—whether you’ve opted for billing from the insurance company or set up automatic payments from your bank account or credit card. Your agent can provide specific details based on your preferences.

Not at all. We do a “soft inquiry,” so it won’t even show up on your credit report. Your credit rating will stay the same as it was before you applied.

No, the cost of your policy is the same whether you buy directly from the insurance company or through an agent—the price is set by the insurer. Most insurance companies do not sell direct to consumer. They work with agents like us to provide coverage. However, choosing O’Rourke Life & Retirement gives you a major advantage. As an independent agent, we have direct carrier access. This allows us the ability to compare rates from over 90 top-rated carriers to find you the best coverage at the lowest possible price.

When you buy directly from an insurance company, you’re working with an agent who represents their interests—not yours. This could mean paying a higher premium or facing a greater chance of being declined. Plus, if you’re not approved, their agent won’t help you find coverage elsewhere. As an Independent insurance broker/agent, we work for you, not the insurance companies, ensuring you get the best protection at the best value. 

O’Rourke Life & Retirement -Gregory O’Rourke is an independent insurance agent. We don’t issue policies —that’s the responsibility of the insurance company. Our role is to serve as your agent, making the process as simple as possible while finding the best coverage for your needs. While companies like State Farm or Allstate Insurance can sell you life insurance, they’ll only show you their own products. We have direct access to over 90 top-rated life carriers and 30+ annuity carriers, allowing us to shop around and find the coverage that’s truly right for you.

No Fees for Our Service, No Obligation To Buy, Zero Pressure and No Gimmicks!
Our guidance and support come at no charge to you. We’re here to find the best coverage for you without any additional cost.

Our consultation and policy review services are completely free. You don’t pay us a dime — we’re compensated by the insurance carriers if you choose a plan. There’s no pressure, and no obligation.

Agents and brokers receive commissions from the insurance carriers they are contracted with when they write your policy. These commissions are built into your insurance premiums, whether you work with a broker or not. The rates we provide are exactly the same as the rates offered directly by the insurance carriers — there’s no added cost for working with us.

We take your privacy seriously. When you share your information with us, it’s used strictly to provide personalized insurance solutions — never sold or shared with outside marketers. You’ll only be contacted by a licensed agent, not a call center. No spam, no robocalls, and no high-pressure tactics — just one-on-one guidance when you’re ready.

Absolutely! Your privacy and security are our top priorities. When you request an instant free quote, your information is kept confidential and secure. We do not share or sell your details to third parties, and we handle all of your needs with the utmost respect and integrity. You can trust that your personal information is in safe hands.

At O’Rourke Life & Retirement, we secure the best rates by working directly with top insurance carriers and leveraging our partnerships with multinational wholesale brokerages. This gives you exclusive access to competitive pricing and customized coverage options that most agencies simply can’t offer. No middlemen, no inflated costs—just direct savings and better coverage for you and your loved ones.

Our founder, Greg O’Rourke, is a multi-licensed agent in Life, Health and Fixed Annuities, ensuring you receive expert advice and service. When you work with us, you’ll speak directly with Greg O’Rourke, a licensed professional—there’s no call center or third party selling your information to others.

Additionally, our backend offices have over 100 years of combined experience and direct communication with carrier underwriting, giving us a unique ability to offer efficient, personalized solutions. We are fully contracted and appointed with all of our insurance carriers, ensuring you get the best service and protection available.

At O’Rourke Life & Retirement, we offer a comprehensive range of insurance products designed to meet your diverse needs. Our offerings include:

• Life Insurance: Protect your loved ones with personalized coverage options.
• Health Insurance: Find the best health plans to suit your budget and medical needs.
• Senior Insurance: Tailored solutions for senior citizens, including Medigap- supplemental plans, long term care, home healthcare, Annuities, RX plans, Medicare Advantage and final expense coverage.
• Retirement & Lifetime Income: Secure your financial future with annuities and retirement planning options.
• Business Insurance: Protect your business with customized policies, including group benefits for employees and business liability coverage.
• Disability Insurance: Ensure income protection in case of illness or injury that prevents you from working.
• Accidental Death Insurance: Provide financial security in the event of an unexpected death due to an accident.
• Critical Care Insurance: Coverage for serious illnesses such as cancer, heart attacks, or strokes, ensuring you get the care you need.
• Hospitalization Insurance: Help with the costs associated with inpatient hospital stays, so you can focus on recovery.
• Short-Term Medical Insurance: Flexible coverage for temporary healthcare needs, providing a safety net between long-term plans.
• Specialized, Unique & High Risk: Flexible coverage for athletes, movie production, SBA loans, high income earners, mergers, business, concerts & tours, divorce decrees, contract guarantees, medical & dental and more..
• Annuities: are financial products that provide a steady stream of income, often used to help protect and grow your money over time.

We have access to 100’s of insurance products to ensure you get the best coverage at the best rates, all while providing personalized guidance every step of the way.