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Policy Types

Deep dives into life insurance policy types — term vs. whole vs. universal, IUL, guaranteed issue, return of premium, and accelerated benefits.

5 articles

Policy Types

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Term Life Florida Term Life Affordable coverage from $15/month. 10+ A-rated carriers compared. 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.

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`. 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."}}};

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