Terms of Service

Last updated: May 6, 2026

By accessing or using itsinsuranceali.com (this site), you agree to these Terms of Service. This site is operated by Ali Taqi, a Florida-licensed insurance agent (License #W393613) serving all 67 Florida counties (86 city-specific pages) from Naples, FL. If you do not agree to these terms, please do not use this site.

See also: Privacy Policy · Insurance Disclosures.

Informational Use Only — Not Insurance, Tax, or Legal Advice

Content on this website — including articles, calculators, comparison tables, FAQs, blog posts, and chat-assistant responses — is provided for general informational purposes only. It does not constitute insurance, financial, tax, or legal advice. Specific coverage recommendations are made only after an individual suitability review with Ali. For tax advice, consult a CPA or tax attorney. For securities investment advice, consult a Series 65 / 66 registered investment adviser. For legal advice, consult a licensed attorney.

Quotes and Illustrations Are Non-Binding

Every premium figure, coverage amount, plan comparison, cash-value projection, or index-crediting illustration shown on this site is a general illustration, not a binding offer of insurance and not a guarantee of policy outcome. Submitting a quote request or starting a conversation with the chat assistant does not constitute a binding agreement or policy application. Quotes are estimates based on the information you provide and remain subject to underwriting approval by the issuing insurance carrier. No coverage is in force until: (1) you sign a complete carrier application, (2) the carrier approves the application and issues a policy, and (3) the first premium specified in the policy is paid.

Florida Residents Only

Ali Taqi is licensed only in the State of Florida. All solicitation, quoting, and policy placement facilitated through this site is limited to Florida residents and Florida-domiciled risks. If you are not a Florida resident, please do not submit a quote request through this site.

Accuracy of Information

We strive to provide accurate, up-to-date information about life insurance products. However, policy details, rates, riders, underwriting classes, and product availability are determined by individual insurance carriers and may change without notice. Independent carrier appointments held by Ali also change over time. Carrier ratings, financial-strength scores, and product-feature lists referenced on this site are believed accurate as of the page's last revision but are not warranted; always verify against the carrier's current illustration or policy form before relying on any feature.

Intellectual Property

All content on this website — including text, design, graphics, illustrations, logos, and code — is owned by Ali Taqi or the carriers, vendors, and contributors providing such content, and is protected by applicable copyright and trademark laws. You may print or save individual pages for personal, non-commercial reference. Republishing, redistributing, scraping for AI training datasets without consent, or commercial reuse of site content without written permission is prohibited.

Acceptable Use

You agree not to: (a) submit false or misleading information through any quote, callback, or chat form; (b) attempt to access non-public areas of the site or its underlying servers; (c) probe, scan, or test the vulnerability of the site or any associated network; (d) interfere with or disrupt the site or its services (including via automated scraping or denial-of-service patterns); or (e) use the site to harass, defame, or harm any other person.

Third-Party Links and Services

This site links to third-party websites (carrier websites, regulator portals, blog citations) and uses third-party services (analytics, CRM, chat AI, email validation, anti-spam). We are not responsible for the content, privacy practices, or availability of any third-party site or service. Following an outbound link is at your own discretion.

Limitation of Liability

This website and its content are provided "as is" and "as available", without warranty of any kind, express or implied. To the maximum extent permitted by law, Ali Taqi disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this site or any decision made based on information provided through it. Nothing in these Terms limits any liability that cannot be excluded under Florida law.

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. Material changes will be flagged on this page. Your continued use of the site after a change constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the site will be resolved exclusively in the state or federal courts located in Collier County, Florida, and you consent to personal jurisdiction in those courts.

Contact

For questions about these Terms, contact Ali Taqi, Licensed Florida Insurance Agent (License #W393613):
Naples, FL
itsinsuranceali@gmail.com · (239) 800-8508