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FloridaTermLife

Licensing & Compensation Disclosure

Last updated: April 17, 2026

Licensing

Ali Taqi is a Life & Health insurance agent licensed by the State of Florida Department of Financial Services, Division of Insurance Agent and Agency Services.

Agent: Ali Taqi

FL License #: W393613

State: Florida (all 67 counties)

Lines of Authority: Life & Health

Office: Naples, FL

You can verify any Florida-licensed agent at the Florida Department of Financial Services public licensee search.

Carrier Independence

Ali is an independent agent. He is not a captive agent of any single insurance company. He is appointed with 10+ A-rated carriers, including (among others): Banner Life / William Penn, Corebridge Financial, John Hancock, Nationwide, Pacific Life, Principal, Protective, Prudential, SBLI, and Symetra. Carrier appointments change over time — this list is current as of the date at the top of this page.

Being independent means Ali recommends the carrier that offers the best rate and terms for your health class, age, and coverage goals. He is not required to place business with any specific company.

How Ali Gets Paid

When you purchase a policy through Ali, the issuing carrier pays him a commission. This commission is a percentage of your first-year premium, plus smaller renewal commissions in later years. Commission rates vary by carrier and product but typically fall in the 40–110% range of first-year premium for term life insurance.

You do not pay extra for working with Ali versus going direct to a carrier. The published carrier rate already includes the distribution cost. Going through an independent agent doesn't raise your premium — it just gives you a licensed professional who compares carriers on your behalf.

Ali does not charge consulting fees, broker fees, or policy-preparation fees for standard term life insurance placements.

Quotes Are Non-Binding

Every rate shown on this site or quoted by Ali is an illustration based on the information available at the time. Final premium is determined by the issuing carrier's underwriting decision. No coverage is in force until the carrier approves your application and issues a policy.

Complaints

If you have a concern about the service you received, please contact Ali directly first:

(239) 800-8508

itsinsuranceali@gmail.com

If your concern isn't resolved, you may file a complaint with the Florida Department of Financial Services, Division of Consumer Services: myfloridacfo.com/division/consumers or 1-877-693-5236.

Ali also helps Florida families with

Life Insurance Florida Life Insurance Term, Whole, IUL, Final Expense, Mortgage — one independent agent Whole Life Florida Whole Life Build tax-free cash value and leave a legacy. 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.

`. 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."}}};