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Life, Medicare, Business, Retirement & Long-Term Care

Get Customized Quotes & Tailored Plans Just for You-100% Free Service

We work closely with you to customize life, health, and retirement coverage, ensuring your plan aligns with your unique needs, budget, and goals for complete peace of mind. While online quotes are fast and convenient, they often miss opportunities to optimize your coverage. A quick call with one of our licensed agent gives you expert guidance and personalized recommendations tailored to your situation

Medicare Plans

Comprehensive coverage, predictable costs, and quality care. Medicare Advantage, Supplement, and Prescription Drug Plans.

Top carriers: Customized, flexible plans, nationwide networks, dental, vision, and extra benefits. Protect health and savings with reliable coverage that fits your needs and budget.

Business Insurance

Financial protection, succession planning, and employee benefits. Buy-sell agreements, key person, group insurance. 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 & Retirement

Guaranteed income, tax-deferred growth, and legacy protection. Fixed, indexed, and immediate annuities with optional long-term care riders.

Reliable retirement solutions: Secure payouts, spousal benefits, and market downturn protection. Higher returns than CDs, with tax advantages and lifelong income. 30+ annuity carriers.

Long-Term Care Coverage

At O'Rourke Life & Retirement, we offer smart, flexible solutions to help you plan ahead for extended care needs. Our life insurance policies with long-term care riders and long-term care annuities provide protection that goes beyond traditional coverage. You’ll gain access to benefits that help pay for care at home, in assisted living, or in a nursing facility—without sacrificing your legacy or draining your savings. These plans also offer features like tax-advantaged growth, guaranteed income, and death benefit protection, giving you peace of mind today and financial security for tomorrow.

STEP BY STEP

How it Works

We make shopping and buying insurance simple – it’s always on your
terms, not ours. We’ve got you covered—with no call centers, no added fees, and no pressure. Our service is 100% free and no cost to you!

Shop, Quote & Apply Online!

Get direct carrier quotes, real-time life insurance quote from our top-rated carriers. For annuity rates, long-term care, business insurance, whole life insurance, special cases, or to ensure the best pricing, let us handle your case directly with personalized support.

100% Digital Online-No Paperwork

Get direct access to our carriers! Fill out the application and buy your policy online. We handle all the paperwork.

or Relax and Let Us Shop For You!

We assess your needs, compare top-rated plans, and guide you through seamless enrollment. First, we offer a free consultation, even for tough cases. Then, we compare carriers to secure the best coverage and savings.

Insurance is more than just a quote with us

Shop, Quote & Apply

Choosing the right insurance provider is essential for securing financial protection for you and your loved ones. We’ve partnered with top-rated insurance companies that offer instant decision policies for faster coverage, as well as traditional underwriting options for policies up to $10 million + Plus.

Whether you need term life, permanent coverage, living benefits, mortgage potection, income protection, or supplemental health insurance, we’re here to help you find the right policy at the best price.

*Annuity rates, long-term care, business insurance, whole life insurance, guaranteed universal life insurance, index universal life, life insurance, special cases, or to ensure the best pricing, let us handle your case directly with personalized support.

Life Insurance-Instant Decision

Get Up to $4 Million in Term Life Insurance – Instant Decision, No Exam. Apply 100% online with our digital application. If you’re 60 or younger and in generally good health, you could have coverage starting immediately.

Life Insurance-Traditional

Get a Traditional Underwriting Term Life Quote – High Coverage Available. We offer top-rated whole life, universal life, indexed universal life, living benefits, and single premium options. Call now for your best quote.

Accident & Disability-Income Replacement

Personal Accident Indemnity Delivery (PAID) coverage provides benefits for many of the accidents that can happen without warning. Accident gives you a lump sum payment. Disability is for income replacement if you can't work.

Critical Illness-Cancer, Stroke, Heart

Help you avoid the financial strain of a serious illness with Hospital & Critical Illness insurance. Critical Illness Cancer, Stroke, Heart Attack or a Dreaded disease. Hospital indemnity insurance can complement these policies.

Dental Vision & Hearing

The Importance of Dental • Vision • Hearing Quality of Life Unforeseen situations that are painful, inconvenient and expensive Basic Medicare does not cover dental, vision or hearing expenses. Choose your dentist-No networks.

Short Term Medical Insurance

Designed to meet the temporary health insurance needs of individuals and families. Accessible year round and even offers next day effective dates for those who qualify. Join one of the top carriers in the country-Unitedhealthcare. Get quote and apply online!

Home Healthcare Insurance

A sudden illness, injury or debilitating chronic condition can happen at any time, to anyone. Home Health Care Insurance can give you the freedom to recover within the comfort of your own home. Covers Ages 49-89. Available in most states.

Final Expense & Burial Insurance

Lift the Burden of Final Expenses from Your Loved Compare rates from some of the nation’s top-rated insurance final expense-burial carriers. Best rates with the best coverage. Get approved in minutes with our over the phone application.

Better Coverage, Smarter Savings

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

Tailored Insurance. Trusted Guidance.

(904) 373-8374

Mon - Sat 9am-8pm

St. Augustine, FL