`. Per-site deviations (e.g. 'US phone number (10 digits)' vs generic 'valid phone number', 'Age must be 18-85 for term life') are allowed but MUST be documented in packages/shared/docs/FORM-VALIDATION-MESSAGES.md. Picks the friendliest/clearest variant as canonical — see that doc for the decision rationale on each string.","_updated":"2026-04-24","required":{"name":"Please enter your full name.","nameFirstLast":"Please enter your first and last name.","phone":"Please enter a valid phone number.","phoneRequiredWithAgent":"Please enter your phone number so Ali can reach you.","email":"Please enter a valid email address.","field":"This field is required."},"invalid":{"email":"Please enter a valid email address.","phone":"Please enter a valid phone number.","phoneTenDigits":"Please enter a valid 10-digit phone number.","phoneUsOnly":"Please enter a valid US phone number (10 digits).","phoneUsOnlyWithFallback":"Please enter a valid US phone number (10 digits). Outside the US? Call (239) 800-8508.","phoneOptional":"Please enter a valid 10-digit US phone number, or leave blank."},"zeroBounce":{"invalid":"This email address doesn’t appear to exist. Please double-check and try again.","spamtrapOrAbuse":"We can’t accept this email address. Please use a different one.","doNotMail":"This looks like a temporary or disposable email. Please use your real email address.","default":"Please enter a valid email address."},"retry":{"generic":"Something went wrong. We’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","network":"Network error. We’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","timeout":"Taking longer than expected — we’ve saved your info and will retry automatically. You can also call us at (239) 800-8508.","connection":"Connection error — we’ve saved your info and will retry automatically. You can also call us at (239) 800-8508."},"submit":{"rateLimited":"Too many submissions. Please wait a minute."},"perSite":{"siteFinalExp":{"_note":"Final Expense is age-gated 50+; today this rule lives server-side, not in client-side form validation. No client-side deviations from canonical."},"siteTerm":{"dobFormat":"Please enter date as MM/DD/YYYY.","dobAgeRange":"Age must be between 18 and 85 for term life.","_note":"Term Life uniquely validates Date of Birth + age range at the point of the quote form (18-85 window chosen because no A-rated carrier will quote outside it). Keep both strings site-local — they do not apply to the other 5 sites."},"siteIul":{"phoneBlurPartial":"Please enter a 10-digit phone number.","_note":"IUL's inline blur handler uses a stricter 'X-digit' phrasing while typing; kept site-local because it's a transient nudge, not the submit-time error."},"siteMortprot":{"_note":"Uses `phoneRequiredWithAgent` and `phoneOptional` canonical strings. No additional site-local strings."}}}; Skip to main content

Terms of Service

Last updated: April 20, 2026

These Terms of Service (“Terms”) govern your use of itswholeinsuranceali.com (the “site”), operated by Ali Taqi (“we,” “our”), a Florida-licensed insurance agent (License #W393613). By using the site, you agree to these Terms.

Service Description

The site provides educational information about whole life insurance and allows you to request free, no-obligation quotes from A-rated carriers. We operate as an independent insurance agency: we are compensated by the issuing insurance carrier when a policy is placed, and quotes are always free to you (see the Compensation Disclosure in our footer for details).

Not Financial, Tax, or Legal Advice

The information on this site is for general educational purposes only. It does not constitute financial, tax, legal, or investment advice, and should not be relied on as the sole basis for any decision. Insurance product details, rates, and availability vary and change frequently. Always consult with a licensed professional (your tax preparer, attorney, or us as your agent) about your specific situation.

Quote Requests

Submitting a quote request on this site does not create an insurance policy, binding agreement, or guarantee of coverage. Quotes are estimates based on the information you provide and are always subject to:

  • Carrier underwriting (medical review, MIB report, prescription history, etc.)
  • Final carrier approval
  • Your payment of the first premium
  • Any policy-specific terms and conditions

Actual premiums may differ from initial quotes, particularly after medical underwriting. You are under no obligation to purchase any policy you are quoted.

Communication Consent

By submitting a quote request, you expressly consent to receive calls, text messages, and emails from us about your quote and related follow-up, including by automated means. Consent is not a condition of purchase. See our Privacy Policy for full details on how to opt out at any time.

Accuracy of Information

We strive to keep information accurate and current, but insurance products, rates, and regulations change frequently. We make no warranty — express or implied — that the information on this site is complete, accurate, or current at the moment you view it. Rely on carrier illustrations and written quotes we prepare for you, not generic site content, when making coverage decisions.

Third-Party Links

The site may link to third-party websites (carrier sites, sibling insurance practices, the Florida Department of Financial Services license-lookup tool, etc.). We are not responsible for the content, privacy practices, or availability of those sites.

Acceptable Use

When using the site, you agree not to:

  • Submit false or misleading information in any form
  • Submit information on behalf of another person without their consent
  • Attempt to circumvent rate limits, reCAPTCHA, or other security measures
  • Use automated tools (scrapers, bots) to collect content beyond what a normal user would access
  • Use our contact information for marketing that we have not opted into

Limitation of Liability

To the fullest extent permitted by applicable law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site. Our total aggregate liability for any claim arising from or relating to the site is limited to $100 or the total amount you paid us (if any) in the 12 months preceding the claim, whichever is greater. Nothing in these Terms limits our liability for fraud, gross negligence, or any liability that cannot be limited by law.

Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising from the site will be brought exclusively in the state or federal courts located in Collier County, Florida, and you consent to personal jurisdiction there.

Intellectual Property

The site’s content, design, and original text are © 2026 Florida Whole Life Insurance. Carrier logos are trademarks of their respective owners and are used solely to identify carriers we represent; display on the site does not imply endorsement of our agency by the carriers.

Changes to These Terms

We may update these Terms from time to time. The “Last updated” date at the top reflects the most recent revision. Your continued use of the site after a change constitutes acceptance of the revised Terms.

Contact

Questions about these Terms?

Ali Taqi
Licensed Florida Insurance Agent, License #W393613
Naples, FL
Email: itsinsuranceali@gmail.com
Phone: (239) 800-8508

Ali also helps Florida families with

Life Insurance Florida Life Insurance Term, Whole, IUL, Final Expense, Mortgage — one independent agent Term Life Florida Term Life Affordable coverage from $15/month. 10+ A-rated carriers compared. IUL Florida Indexed Universal Life Tax-free retirement income with market-linked growth. Final Expense Florida Final Expense Burial insurance from $20/month. Coverage up to $35,000. Mortgage Protection Florida Mortgage Protection Keep your family home if something happens to you.

Independent licensed FL agent — one agent, every product.

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