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Instant & Express Term Life Insurance

Home / Term Life Insurance 

⚡

Fast Approval

Minutes to approval for qualified applicants

🎯

Accurate Matching

450,000+ data points identify your best carriers

💰

Save Money

Custom laddering strategies save thousands

Instant Decision — Up to $4 Million*

Life Insurance in Minutes. Fast. Transparent. No Guessing.

One quick call connects you to 90+ top-rated carriers and data-driven technology that identifies your fastest path to approval. No waiting weeks. No applying blindly to the wrong carrier.

  • ✓Instant Decision Available
  • ✓Same-Day Coverage for Qualified Applicants
  • ✓No Exam Options Available
  • ✓Term Lengths Up to 40 Years
Calculate How Much Coverage You Need Find Out What You Qualify For
90+
Top-Rated Carriers
450,000+
Data Points Analyzed
Multi-State
Licensed Professional
No
Obligation

* Instant decision availability and maximum face amounts depend on age, health history, carrier underwriting guidelines, and product availability. Not all applicants qualify for instant, same-day coverage or no-exam underwriting.

Two paths to getting started

Two Ways to Get Started

There are two different paths forward—each with different outcomes. Which one is right for you?

1 Quick ballpark quote (anonymous, no obligation)
2 Professional consultation (see ALL your options)
Click to see which path fits your situation →

Stop Filling Out Forms Blindly

Why price-only shopping fails: most online quote engines show a low number first, then the real underwriting decision comes later. Choose the wrong carrier and you can lose time, pay more, or get an avoidable decline.

⚡
Online quotes are not the decision - underwriting is.

A quick quote is an estimate. Your real rate and approval depend on carrier underwriting rules.

Every carrier underwrites differently. What looks "cheap" upfront can change after prescriptions, medical history, build, and carrier guidelines are applied.

The real risk is applying to the wrong carrier first. That can mean delays, higher ratings, or a decline you did not expect. Our goal is to help you avoid wasted time and get the best outcome from the start.

  • 1
    The quote is an estimate, not a guarantee Final pricing can change after underwriting reviews your information.
  • 2
    One wrong application can cost weeks If that carrier is a poor fit, you lose time and may have to restart elsewhere.
  • 3
    You can miss better-fit carriers Specialist carriers may approve faster or at a better class for your profile.

You would not buy a house from one automated estimate alone. You would compare options and get guidance. Life insurance deserves the same approach.

Confused person comparing life insurance options online
Do not guess. See your real options before you apply.
  • ✕
    You are applying to ONE carrier blindly If you do not fit their underwriting, you can be declined or rated up before you ever saw better options.
  • ✕
    The low quote often is not the final price That number can change after underwriting reviews medications and medical history.
  • ✕
    No guidance when something goes wrong If the algorithm says no, you are left guessing what to do next and starting over somewhere else.
  • ✕
    You may be leaving money on the table There may be carriers that approve you faster, at a better rate, with better features you never see.

The Right Way to Get Life Insurance

Three advantages most agents and online platforms do not have in the same place: technology, market access, and direct execution. This is how you avoid guessing and get to the best carrier faster.

✓
Three advantages other agents simply do not have

We do not rely on one carrier, one quote engine, or one guessing game.

Most independent agents have a limited carrier set and manual quoting. Online-only platforms can look slick, but they usually point you to one underwriting decision at a time.

We combine the best of both worlds so you can choose the right path from the start.

  • 1
    Institutional-grade matching technology We analyze your profile against 450,000+ historical data points to match you with carriers most likely to approve your case. This means faster underwriting and better odds of getting the coverage you need without unnecessary delays or denials.
  • 2
    Independent brokerage partnership Unlike captive agents stuck with one company or online platforms with limited options, we offer broad access to 90+ top-rated carriers. Compare rates, features, and approval requirements side-by-side to find your best match.
  • 3
    Direct carrier relationships You get more than quotes - you get experienced guidance to help you make informed decisions about which carrier and policy type truly fits your situation, budget, and long-term goals.
Find Out What You Qualify For

No obligation. No pressure. Just clear options and a smarter path to approval.

Data-driven technology showing carrier matching and approval probability
Technology shows the data and identifies your best carrier matches.
90+ top-rated life insurance carriers
Top Rated Life Insurance Carriers
Licensed insurance professional providing guidance
Licensed guidance helps you choose the best option.

How We Work: Minutes, Not Months

Instant, Accelerated, or Traditional – We match you to the right process from the start.

1

Quick Consultation

(10 Minutes)

One call to understand your coverage needs, health profile, and timeline. No forms to fill out blindly. No pressure tactics. Just targeted questions that matter.

2

Real-Time Technology Analysis

While we talk, I'm accessing the Term Express platform that shows me:

  • • Every carrier that would approve you
  • • Your probability of approval with each
  • • Which underwriting process you qualify for
  • • Pricing across all carriers and processes
Instant Approval Approved in minutes • No medical exams • No carrier interviews. Same-day coverage can start immediately — sometimes in ~10 minutes for qualified applicants. Up to $3,000,000
Accelerated Underwriting Typically no medical exams. Fast-track approval in 24–72 hours. Some cases approved instantly or within a few days. Up to $4,000,000
Traditional Underwriting Medical exam may be required. Carrier interviews and full underwriting review. Approval typically takes 2–6 weeks. Best for complex health cases or higher coverage needs.
3

Professional Interpretation

The platform might show 15 potential carriers across all three underwriting types. I explain:

  • • Which 3-4 are actually best for YOUR situation
  • • Which process gives you the best combination of speed, price, and approval likelihood
  • • Trade-offs between instant/accelerated/traditional for your profile
  • • Realistic timeline for your specific case
4

You Decide, We Execute

Choose the carrier and process that makes sense for you. No obligation to move forward.

  • • For instant qualifiers: Approved in minutes, same-day coverage
  • • For accelerated qualifiers: Typically no medical exams, approval in 24–72 hours, some cases approved instantly or within a few days
  • • For traditional underwriting: Clear timeline and expectations – no surprises

Most qualified applicants get their answer in the same 10-minute call.

Start Your 10-Minute Consultation

No obligation. No pressure. Just clear answers.

We Offer All Three Underwriting Processes

Instant, Accelerated, or Traditional – Whatever fits your situation best.

Instant

Instant Underwriting

Approval in Minutes, Coverage Same Day

  • ✓ Healthy applicants
  • ✓ No medical exam required
  • ✓ No blood tests
  • ✓ Up to $3M coverage*
  • ✓ Same-day coverage for qualified applicants
  • ✓ Ages typically 18-60

*Coverage limits vary by carrier and individual profile

Result:

Most qualified applicants approved during our first call with same-day coverage.

Accelerated

Accelerated Underwriting

Approval in Days, Often No Exam

  • ✓ Often no medical exam
  • ✓ Up to $4M coverage typically*
  • ✓ Fast-track approval within 24–72 hours. Some cases approved instantly or within a few days
  • ✓ Broader health acceptance than instant
  • ✓ Ages up to 65 with some carriers

*Coverage limits and exam requirements vary by carrier and individual profile

Result:

Fast approval with less hassle than traditional underwriting.

Traditional

Traditional Underwriting

Full Underwriting for Complex Cases or Higher Amounts

  • ✓ Medical exam required
  • ✓ Highest coverage amounts available
  • ✓ Best option for complex health histories
  • ✓ Competitive pricing for higher risk profiles
  • ✓ Available at all ages
  • ✓ 3-6 week timeline
Result:

Access to in-house underwriting teams and specialist carriers who say yes when others say no.

We Match You to the Right Process From the Start

During your call, our Term Express technology instantly identifies:

  • • Which underwriting process you qualify for
  • • Which carriers offer the best rates in each category
  • • Trade-offs between speed and coverage amount
  • • Your realistic approval probability for each option

No guessing. No applying blindly to find out later you needed a different process.

"Instant Online" Life Insurance – What They're Not Telling You

Why algorithm-only platforms have serious limitations

You've seen the ads: "Get life insurance in 10 minutes! No exam! 100% online!" They're not lying. But here's what they don't say.

Confused woman filling out online insurance application

Applying to ONE carrier's algorithm without knowing if it's the right fit for your profile

The One-Carrier Problem

Most "instant online" platforms aren't insurance brokers. They may be tech-enabled front ends for a single insurance carrier.

When you fill out their form, you're applying to ONE specific carrier blindly—without knowing if that carrier is actually best for your health profile, age, or coverage needs.

You don't know if you're applying to the RIGHT carrier until after you've already applied. By then, a decline or rating is on your record.

The result? You might get declined, rated up, or quoted higher than advertised—all because you weren't matched to the right carrier from the start. Then you're back to square one, trying another single-carrier platform.

See ALL Your Options Before Applying

Their Typical Process

  • Fill out 10-minute online form
  • "We need more information" or "Under review"
  • Wait days or weeks
  • Get declined, rated up, or quoted higher
  • Start over with different website?

Our Approach

  • One 10-minute call
  • I show you every carrier that would approve you
  • We discuss which 2-3 are best for YOU
  • YOU choose which carrier to apply with
  • Approved in minutes for qualified applicants

Same time investment. Dramatically different outcome.

Compared to our approach, their typical process often leaves you asking:

  • What happens if their algorithm declines me?
  • How do I know there isn't a better option?
  • What if I have questions their chatbot can't answer?
  • Am I comfortable applying without knowing my approval probability first?

Don't Apply Blindly to One Carrier's Algorithm

You wouldn't buy a house after seeing only ONE listing. You wouldn't hire the first person who applied for a job. Don't settle for one carrier's algorithm when one call shows you the full marketplace.

See All Your Options First

Two Ways to Get Started

Get a Ballpark Quote Online

Quick, anonymous, no obligation

Want generic pricing before talking to anyone?

Get Quick Quote

What you'll see: Basic term pricing for your age and health class

What you WON'T see:

  • Which carriers would actually approve YOU
  • Your approval probability
  • Instant/accelerated options available to you
  • Better rates from specialist carriers
  • Professional analysis of your options
  • Laddering strategies that could save thousands

Think of this as a Zillow estimate – ballpark number, not real appraisal.

⭐ Recommended

Call for Your Best Possible Outcome

One call. Minutes of your time. The full picture.

Call Us Today

What you'll get:

  • ✓ Technology analysis against 450,000+ data points
  • ✓ Every carrier that would approve you
  • ✓ Instant, accelerated, AND traditional options identified
  • ✓ Professional interpretation of your options
  • ✓ Speed – minutes to approval for qualified applicants
  • ✓ Accuracy – the probability of being approved 0-100%
  • ✓ Timeline clarity – application and policy delivery in minutes for qualified applicants
  • ✓ Custom laddering strategies
  • ✓ No pressure, no obligation

The Difference

Ballpark quote:

"Here's generic pricing"

Professional consultation:

"Here are the 3 carriers best for YOU, here's why, and here's how we can structure your coverage to save you money"

Why Technology Alone Isn't Enough

Data without interpretation is just noise

The platform shows me 15 carriers that could approve you. But:

  • • 3 won't approve your coverage amount
  • • 2 have slower underwriting right now
  • • 4 would require an exam when you could get instant approval elsewhere
  • • 2 offer better conversion options for your age

That leaves 4 real options – and I'll explain the differences

What Technology Can't Do

  • ✕ Understand your family's unique needs
  • ✕ Ask the right follow-up questions about health history
  • ✕ Explain why a slightly higher price might be better long-term
  • ✕ Navigate complex medical conditions
  • ✕ Know which carriers are fastest right now
  • ✕ Identify red flags that trigger delays

What Professional Expertise Delivers

  • ✓ Accurate health class prediction (no surprises)
  • ✓ Strategic application positioning
  • ✓ Carrier specialization knowledge
  • ✓ Real-time underwriting intelligence
  • ✓ Honest answers about realistic options
  • ✓ Guidance without pressure

Example:

You mention a medical condition. The algorithm flags several carriers, but I know which one just changed their underwriting guidelines, which specialist actually has the fastest turnaround, and how to position your application for best results.

Technology shows the data. Experience makes the decision.

Not Sure How Much Coverage You Actually Need?

Use Our DIME Calculator to Get a Clear Picture

Before comparing prices, you need to know the right coverage amount for your family's situation. The DIME Method calculates based on four key factors:

D
Debt

Mortgage, car loans, credit cards

I
Income

Years of income replacement needed

M
Mortgage

Remaining balance

E
Education

College costs for children

10 years

Based on your inputs, your family would need approximately:

$0

This is a starting point. During your consultation, we'll discuss factors like existing coverage, savings, Social Security benefits, and your family's specific needs to refine this number.

Smart Strategy: Ladder Your Coverage to Save Money

Why buy more coverage than you need for longer than you need it?

Most people make this mistake: They calculate they need $2 million in coverage and buy a single 30-year term policy.

But here's the problem: Your coverage needs change over time.

A Smarter Approach: Policy Laddering

Instead of one large policy, we stack multiple term policies with different lengths (10, 15, 20, 25, 30, even 40-year terms available) that match your actual needs over time.

❌ Traditional

One Policy Approach

Example: Single $2M 30-Year Term

Example Monthly Cost: ~$180/month*

Example Total Over 30 Years: ~$64,800*

Coverage Over Time:

Years 1-10: $2M (full coverage needed)
Years 11-20: $2M (but you only need $1.5M now)
Years 21-30: $2M (but you only need $500K now)

Total Cost Over 30 Years

~$64,800*

The Problem: You're overpaying for coverage you don't need in later years.

✓ Laddering

Stacked Policies Approach

$1M 30-Year Term ~$70/month*
$500K 20-Year Term ~$30/month*
$500K 10-Year Term ~$18/month*

Coverage Matches Your Needs:

Years 1-10: $2M (mortgage + kids + income needs)
Years 11-20: $1.5M (kids through college, short-term debt paid)
Years 21-30: $1M (just mortgage remaining)

Total Cost Over 30 Years

~$34,560*

Potential Savings vs Traditional

~$30,240

(nearly 50% less in this scenario)*

*These are hypothetical examples for illustration purposes only and do not represent actual quotes. Your actual rates will vary based on age, health, tobacco use, coverage amount, carrier, and other underwriting factors. Call O'Rourke Life & Retirement for personalized quotes based on your specific situation.

Why This Works

Your 10-Year Needs
are Temporary

  • Short-term debt (car loans, personal loans)
  • Young children's immediate needs
  • Income replacement while building wealth

Your 20-Year Needs
are Medium-Term

  • College funding for kids
  • Career income replacement
  • Major debts

Your 30-40 Year Needs
are Long-Term

  • Mortgage payoff
  • Final income replacement until retirement
  • Legacy protection

By matching policy lengths to actual needs, you only pay for what you need when you need it.

Additional Benefits of Laddering

✓
Flexibility Drop or adjust coverage as life changes
✓
Conversion Options Multiple chances to convert portions to permanent insurance
✓
Underwriting Advantage Lock in your health class now across multiple policies
✓
Budget Friendly Lower monthly cost in early years when money is tightest
✓
Strategic Planning Coverage aligns with specific financial obligations
✓
Extended Coverage Options Term lengths up to 40 years available

Real-World Example Scenario

Hypothetical Family Situation

Starting Position:

  • Mortgage: $400K (28 years remaining)
  • Two kids (ages 3 and 5)
  • Current income: $150K annually
  • Short-term debt: $50K

Example Laddering Strategy:

$1.5M 30-year term ~$100/month*
$750K 20-year term ~$40/month*
$750K 10-year term ~$25/month*

Example Total coverage now: $3 million

Example Total monthly cost: $165/month*

Compare to Single Policy:

Example single $3M 30-year policy at ~$270/month*

Potential Savings

$105/month ($37,800 over 30 years)*

In 10 years:

Drop the $750K 10-year policy when short-term debt is paid and wealth is built. Continue with $2.25M coverage at ~$140/month*

In 20 years:

Drop the $750K 20-year policy when kids are through college. Continue with $1.5M coverage for mortgage at ~$100/month*

*These are hypothetical examples for illustration purposes only. Actual rates vary significantly based on age, health class, tobacco use, gender, state, carrier, and current underwriting conditions. These examples assume a healthy 35-year-old non-tobacco user. Your personalized quotes may be higher or lower. Call O'Rourke Life & Retirement for accurate pricing based on YOUR specific situation.

How We Build Your Custom Ladder

During your consultation, we'll:

  1. Identify your specific coverage needs (mortgage, income replacement, education, debts)
  2. Determine timelines for each obligation (including 40-year options if needed)
  3. Analyze which underwriting process fits each policy layer (instant, accelerated, or traditional)
  4. Design the optimal policy stack that covers everything now at the lowest cost
  5. Show you side-by-side comparisons of single policy vs. laddered approach
  6. Apply to the right carriers for each policy layer through the fastest underwriting channel

This is where professional guidance matters. Online quote engines can't do this level of strategic planning. They just give you one generic quote.

One call. Custom strategy. Potential for thousands in savings.

Want to see what a laddered strategy could save you?

We'll build a custom coverage ladder based on your specific situation – no obligation.

Call O'Rourke Life & Retirement

Free consultation • Custom analysis • Clear savings breakdown

Frequently Asked Questions

About 10 minutes. We ask targeted questions about your coverage needs and health profile, then show you real-time carrier options and approval probabilities. If you have complex health history, it might take 20 minutes. Same time as filling out online forms, but you get professional guidance.
No. Our consultation is completely free with no obligation. We're paid by the insurance carriers, not by you. You only move forward if you find an option that makes sense.
Online quotes show generic pricing. We show you which carriers will actually approve you, your probability of approval with each, and which underwriting process (instant, accelerated, or traditional) you qualify for. You see ALL your options before applying to any carrier.
That's exactly when professional guidance matters most. We know which carriers specialize in specific conditions and how to position your application for the best outcome. Many clients who were declined elsewhere get approved through our process.
Yes, for qualified applicants. If you qualify for instant underwriting, most approvals happen during our first call. Accelerated underwriting typically takes 24-72 hours. Traditional underwriting with an exam takes 2-6 weeks.
We have access to 90+ top-rated carriers through our independent brokerage partnerships and direct relationships. This gives you more options than any single-carrier platform or captive agent.
No. We are a free service, not a commissioned salesperson pushing one product. My job is showing you options; yours is deciding if and when to move forward.
Perfect – that's exactly when our approach matters most. One carrier's decline doesn't mean you're uninsurable. We'll find carriers that specialize in your situation.
You can try. But you'll only see one carrier's decision at a time. Our approach shows you every option upfront so you apply to the RIGHT carrier from the start. Same time, better outcome.
Just basic info: age, coverage amount you're considering, general health status. We'll guide you through the rest.
Never. This isn't a lead generation site. You're talking directly with a licensed professional. No call centers. No information resale.
  • Instant: Approval in minutes, same-day coverage, no exam (up to $3M for qualified applicants)
  • Accelerated: Typically no medical exams, approval in 24–72 hours, some cases approved instantly or within a few days
  • Traditional: Exam required, 2-6 weeks, highest coverage amounts available
We'll identify which you qualify for during our call.
Our team will contact you soon after your application request if you placed a ballpark quote on our site (typically within 10 minutes during business hours). Or, you can let us know in the comment section when it would be a good time for us to contact you. And of course you can always call us. We will verify the information you've submitted and collect any additional information necessary. We don't submit your application to the insurance company until you've officially signed it.
It depends on the policy. A no exam insurance policy can usually be put in force within 24 hours, and in some cases even sooner. For other types of policies, it might take a week or two. If a medical exam is required, it could take two to six weeks, depending on how quickly the insurance company can get your medical records. Our team can give you an estimated timeline for approval.
Of course. The policy doesn't go into full effect until you officially accept it. You can refuse the policy during the "free look period," which is usually the first 30 days. You can lower the amount of your coverage, make the term shorter, or cancel your policy at any time while it's in effect. But as long as you've been honest on the application, the insurance company can't change the terms of your policy.
You don't have to pay anything until the policy has been issued and you've accepted it. The exact time frame depends on whether you've requested that the insurance company bill you or you've set up automatic payments from your bank account or credit card.
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 insurance company sets the price for the policy, and the price doesn't change whether you buy directly from them or use an agent. The advantage of using us is that we're independent, so we can shop more than 90 companies to find you the best quality product for the lowest possible price. And there are downsides to buying directly from an insurance company. You'll be dealing with an agent who works on behalf of the company, rather than you.
O'Rourke Life & Retirement is an independent insurance agent. We don't issue insurance policies or collect payments for premiums — that's the job of the insurance company. We work as your agent to make the process as easy as possible and obtain the best coverage for your needs. Insurance companies can sell you life insurance, but they'll only tell you about their products. We represent many different insurance companies, so we can shop around and find the coverage that's best for you.
No. We're compensated by the insurance company after you've been approved and have accepted the policy.

Term vs Whole Life: What's The Difference?

Read our detailed comparison guide

Read More

Stop Guessing. Start Knowing.

One call eliminates weeks of uncertainty. Just straight answers from a multi-state licensed professional with access to 90+ carriers and data-driven technology.

O'Rourke Life & Retirement

Get Started Today

No forms that sell your information. No lead spam. No algorithm-only decisions. No applying blindly and hoping. No surprises.

Contact Us Today

or

📅 Schedule Your Consultation
⚡

Fast Approval

Minutes to approval for qualified applicants

🎯

Accurate Matching

450,000+ data points identify your best carriers

💰

Save Money

Custom laddering strategies save thousands

Accurate Quotes. Faster Approvals.

Advanced underwriting technology to deliver accurate quotes, faster approvals, and fewer surprises.

Call Us

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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Additional Links

© 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