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Get routed to the right term-life options using underwriting strategy and multiple top-rated carriers — without filling out forms blindly.
*Instant decision availability depends on age, health history, and carrier guidelines.
Independent advice. National carriers. Customized protection. From term life to permanent coverage with living benefits—we help you make the right choice.
We're not tied to any single insurance company. As truly independent advisors, we have one priority: finding the best coverage for your unique situation.
We represent you, not insurance companies. Access to all top national carriers means unbiased recommendations.
Access your policy's value while you're still living for critical illness, chronic illness, or long-term care needs.
Get coverage quotes quickly with our streamlined process. Many policies quoted and submitted the same day.
Qualify for coverage without needles, labs, or waiting. Select carriers offer simplified issue policies.
Get a portion of your money back if you outlive your term—protection that pays you back if you don't use it.
Tailor your policy with riders for critical illness, disability waiver, accelerated benefits, and more.
The most affordable option providing coverage for a specific period. Perfect for income replacement, mortgage protection, or covering children until they're independent.
Best for: Young families, mortgage protection, income replacement, SBA loans, temporary needs, Stacking multiple policies (laddering), buy-sell business agreements, key-person
Permanent protection with guaranteed premiums, cash value growth, and lifelong coverage. Your premiums never increase and your policy builds cash value you can borrow against.
Best for: Estate planning, lifetime protection, building cash value, leaving a legacy, family equalization & Succession Planning
Permanent coverage with flexible premiums and death benefits. Adjust your coverage as your needs change throughout life.
Best for: Those wanting flexibility, business planning, supplemental retirement income
Permanent coverage with cash value tied to market index performance. Growth potential without downside risk—your cash value never loses money due to market downturns.
Best for: Wealth accumulation, retirement planning, maximizing cash value growth
Pay once and you're covered for life. Immediate cash value and death benefit with a single lump-sum premium. No ongoing payments ever required.
Best for: Estate planning, wealth transfer, legacy planning, simplifying financial obligations
Coverage that pays off your mortgage if something happens to you—keeping your family in their home.
SBA loans, key person insurance, and buy-sell agreements. Complete business owner protection solutions.
Get a portion of your premiums back, if you outlive your term policy. Protection that pays you back if you don't use it.
Access your death benefit early for critical, chronic, or terminal illness—protection when you need it most.
Medical health challenges, high-risk jobs/activities, past declines—we specialize in hard-to-place cases.
Comprehensive coverage for your entire family. Protect your spouse, children, and dependents with one strategy.
Affordable coverage for funeral and burial costs. Guaranteed acceptance options available for seniors.
Add-ons for disability waiver, children's coverage, accidental death, and accelerated benefits.
Skip the doctor visit with simplified underwriting from select top-rated carriers.
Get instant ballpark quotes, then let our in-house underwriters tailor custom pre-approved quotes based on your health—securing the best prices most can't offer.
Customize your life insurance with these valuable add-ons. Riders provide extra protection and flexibility tailored to your specific needs.
Receive a lump-sum payment if diagnosed with a covered critical illness like heart attack, stroke, or cancer. Use funds for treatment, recovery, or living expenses.
Access a portion of your death benefit early if diagnosed with a terminal illness. Provides financial support when you need it most.
If you become disabled and can't work, this rider waives your premium payments while keeping your coverage in force—no payments required during disability.
Add affordable coverage for all your children under one rider. Covers multiple children for a small additional premium, with guaranteed insurability options.
Add life insurance for your spouse or partner to your policy at a reduced cost. Convenient way to protect both incomes with one policy.
Doubles or triples your death benefit if death results from a covered accident. Additional protection for unexpected tragedy at minimal cost.
Access death benefit funds if unable to perform daily living activities. Helps cover long-term care costs without depleting savings.
Buy additional coverage at future dates without medical underwriting. Perfect for life changes like marriage, children, or career advancement.
Refund of premiums: If you outlive the policy term, the insurance company may refund the premiums you paid, either fully or partial.
Not all riders are available with every policy or carrier. Our experts will help you select the riders that match your needs and budget—customizing coverage that works for you.
Use the DIME method to calculate your coverage needs
Debt + Income + Mortgage + Education
A simple formula to ensure your family has the financial protection they need.
This amount would provide comprehensive protection for your family's financial future.
Get Your Free QuoteAnswer 10 quick questions to get personalized recommendations
Age helps determine the best products and pricing.
This helps us recommend the right type of policy.
This determines if term or permanent insurance is best.
Focus on what you need—we'll find affordable options.
This affects underwriting options.
No-exam is faster but may cost slightly more.
This helps us understand who you're protecting.
Select all that apply — these riders customize your policy.
We specialize in hard-to-place cases.
Get your personalized recommendations and free quote.
Life insurance ensures your family can maintain their lifestyle, pay off debts, and pursue their dreams even if you're not there to provide for them. It's the ultimate act of love and responsibility.
Your mortgage is likely your largest debt. Life insurance guarantees your family can stay in their home, avoiding the trauma of losing both a loved one and their home during an already difficult time.
College costs continue to rise. Life insurance ensures your children's educational dreams remain achievable, providing them with opportunities you've always envisioned for them.
Your income supports your family's lifestyle. Life insurance replaces years of lost income, allowing your spouse to focus on healing and family rather than immediate financial survival.
Funeral and burial costs average $10,000-$15,000. Life insurance prevents your family from depleting savings or going into debt during an emotionally challenging time.
You're healthiest and youngest right now. Life insurance costs increase with age and health issues. Locking in coverage today protects your insurability and saves thousands over time.
Life insurance premiums increase approximately 8-10% for every year you age. A healthy 30-year-old can lock in rates that are 30-40% lower than the same person at age 35. Additionally, unexpected health changes can make you uninsurable or dramatically increase costs. The best time to get life insurance is always now.
Not sure if your current coverage is adequate or competitively priced? We'll review your existing policies at no cost and provide expert recommendations.
Get a free, no-obligation quote from a truly independent advisor who works for you—not insurance companies. Compare rates from all top national carriers in minutes.
Most policies approved within 24-48 hours. No medical exam options available. Instant quotes on select policies.
Read our detailed comparison guide
Personalized guidance, fast approvals, and zero fees — all built around your needs
© 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
