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Protect With The O

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Protect with The O

Protection for
Your Business.
Your Income.
Your People.

Specialized protection solutions for business owners, professionals, employers, lenders, and advisors — from business and loan protection to income protection and employee benefits.

LOAN COMPLIANCE DESK SCHEDULE A CONSULTATION

Who We Serve

One Trusted Resource

Commercial Lenders

  • The Goal: Satisfy lender credit guidelines and clear loan conditions fast.
  • The Solution: Lender-compliant policies, quick turnarounds, and direct support.
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Business Owners

  • The Goal: Protect your income, company, cash flow, and equity from unexpected risk.
  • The Solution: Flexible business coverage—from loan assignments to full protection.
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Advisors

  • The Goal: Protecting your clients, their wealth, businesses, income, and employees.
  • The Solution: A trusted partner who manages the strategy, handles the complexities, and respects your client relationship.
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A Different Approach

One Trusted Resource.

We built a better way. Our white-glove concierge approach gives business owners, professionals, employers, lenders, and advisors one trusted point of contact for specialized protection solutions—backed by independent access to multiple highly rated carriers, experienced underwriting resources, and dedicated case support.

The right policy starts with choosing the right carrier and underwriting path before you apply — that's the work we do before an application is ever submitted.

Learn Our Approach One Relationship · One Point of Contact · The Right Path From the Start
Businesses we protect: boutique and dental practice, HVAC service technician, commercial construction site, and trucking and logistics dock

One Call.

Coordinated across carriers, underwriting, and the entire process.

What One Trusted Resource Means

01

One Point of Contact

A single dedicated resource who coordinates your case from first call to final policy.

02

One Coordinated Process

Carrier selection, underwriting strategy, and case support managed together, not handed off.

03

One Relationship

A trusted resource who stays with you as your business, people, and protection needs evolve.

Three Fast Answers

For Whatever Brought You Here Today.

Get clear answers fast on three things business owners and professionals ask us about most.
Choose the one that matters most to you right now.

Business owner completing loan paperwork

Get Express SBA Loan
Coverage Fast.

Don’t let a life insurance requirement delay your closing. We shop your options before you apply.

  • ✓
    Instant decisions up to $5 million for qualified applicants
  • ✓
    Same-day coverage for qualified applicants
  • ✓
    We shop before you apply. The right carrier. The right product. Before you apply.
  • ✓
    Collateral assignment support We help coordinate the process through completion
  • ✓
    Large & complex cases welcome Additional underwriting options when Express isn’t the right fit
Get Express SBA Loan Coverage →
Business owner reviewing business valuation information

Do You Know What
Your Business Is Worth Today?

It may be worth more than you think. Know the true value of what you’ve built.

  • ✓
    It may be worth more than you think
  • ✓
    Don’t rely on an old number
  • ✓
    Complimentary informal business valuation and planning analysis
  • ✓
    Available for qualifying established businesses
Find Out What My Business Is Worth →
Professional reviewing disability income protection coverage

Have Disability Coverage
Through Work?

You may be less protected than you think. See what your employer plan may actually pay.

  • ✓
    See what your employer plan may actually pay Estimate your monthly benefit after taxes and plan limits
  • ✓
    See how much income may be left unprotected Including compensation your employer plan may not cover
  • ✓
    No disability coverage? See how much income could be exposed if you couldn’t work
  • ✓
    About 2 minutes · No contact info required
Check My Income Coverage →
One Trusted Resource
10
Dedicated Point of Contact
10
100% Independent
90 %
Business Protection
100 °

Protecting Business at Every Stage

Contact us

Solutions Built for Business Owners

From protecting income and key people to business financing, ownership planning, and employee benefits, we help business owners protect what keeps the business moving.

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Business Loan Protection

Life and income protection solutions for SBA and commercial loans. We help coordinate coverage, underwriting, and collateral assignments when required — while working to keep the insurance process moving with your financing timeline.

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Individual Income Protection

Portable individual disability income protection for business owners, executives, key employees, and professional groups. Eligible groups may qualify for simplified or Guaranteed Issue underwriting and multi-life pricing opportunities.

Learn More →

Business Overhead Expense

Helps reimburse eligible business expenses if an owner becomes disabled, including expenses such as rent, employee salaries, utilities, insurance, and certain business obligations — helping keep the business operating during a covered disability.

Learn More →

Key Person Insurance

Helps protect the business from the financial impact of the death or disability of an owner, executive, employee, or other person whose loss could significantly affect revenue, operations, client relationships, or business continuity.

Learn More →

Business Buy-Sell Insurance

Helps fund obligations created by a Buy-Sell Agreement so ownership can transition according to the agreement following events such as an owner's death or disability.

Learn More →

Group Employee Benefits

Health, dental, vision, life, disability, and supplemental benefit solutions for businesses of different sizes. We can help compare available options and evaluate benefit strategies designed around your workforce, budget, and objectives.

Learn More →

What we say our customers

Our Testimonials

"Partnering with them has been completely invaluable to our business. They make navigating complex coverage seamless, saving us critical time and overhead."

Tammy M Tammy M, Senior Paralegal & Practice Operations

"I’ve worked with Greg for years across both my business and personal insurance. When other plans came along, he helped me navigate through the noise, protected me from making a wrong move, and made sure I was fully secure. Greg always takes the extra time to research and truly understand how our business operates. That is a real partner who cares. ” — Marilyn S., National Medical Equipment Business Owner

Marilyn Owner National Medical Equipment Business Owner

"Greg was great to work with. Very knowledgeable, easy to talk to, and never pushy. He took the time to explain my business life insurance options clearly and answered all my questions. I appreciated being able to talk to a real person instead of getting constant sales calls. Greg was able to compare quotes from different companies and explain everything in a way that actually made sense. Overall, it was just a comfortable experience with honest advice and no pressure."

Billy F Petromentum, LLC

"Greg O'Rourke and his team provided clear, unbiased guidance on protection plans. He helped me find the best coverage that worked for my needs. He made it make sense and made a tough choice simple. Highly recommend!"

Rick F Radio Production Director/Afternoons
Our Carrier Partners

Access to the Nation's Leading Carriers

We compare your case with top-rated carriers simultaneously to secure the right protection for your business. From collateral assignment life insurance required by commercial lenders to key person coverage, buy-sell funding, employee benefits, and life, health, and disability insurance, we help protect your business, your income, and the people who keep it running. These are just some of the many highly rated insurance carriers we have access to.

Ameritas
Ameritas
Assurity
Assurity
Banner Life
Banner Life
Illinois Mutual
Illinois Mutual
MassMutual
MassMutual
MetLife
MetLife
Mutual of Omaha
Mutual of Omaha
Principal
Principal
The Standard
The Standard
Fidelity Security
Fidelity Security
Lloyd's of London
Lloyd's of London
Petersen International
Petersen International

Not limited to one company. Not one algorithm. We compare all of them — so you get the best product at the best price for your specific occupation, income, and health profile.

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Business Risk & Advisory

Read our blog

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If you are a business owner, executive, or high-earning partner, you likely have Group Long-Term…