No Families Left Behind
Too many families are caught off guard by the cost of a funeral. The average funeral in Florida costs between $7,000 and $15,000, and most families do not have that kind of money sitting in savings.
My mission is to help every Florida family I can find coverage they can afford, so their loved ones are never burdened with unexpected expenses during the most difficult time of their lives. That is why I offer free, no-pressure consultations and work with multiple carriers to find the best rates.
How Ali Helps
Representative Client Scenarios
Every situation is different. These three scenarios show the kind of work I do every week, based on the typical Florida senior I help. Names, ages, and exact premiums are illustrative. Actual coverage and rates depend on your specific age, health, and carrier underwriting.
Naples retiree with Type 2 diabetes
Age 72, well-managed condition, worried she wouldn't qualify
She'd been told by a direct-response TV ad that she'd need guaranteed issue because of her diabetes, at around $120 per month for a small policy with a 2-year waiting period. Her A1C was 6.8 and she had no complications. After shopping her profile across seven carriers, I placed her in a simplified issue plan with full day-one coverage.
$15,000 coverage
Illustrative: ~$68/month
No waiting period
Fort Myers couple whose term policy expired
Ages 68 and 66, bought 20-year term at 48, now uninsured
Their original term policy had covered the mortgage and the kids' college years. It lapsed right when they entered the window where the coverage actually starts to matter. The renewal quote from the same carrier was more than they'd paid over the entire 20-year term. I placed separate whole life final expense policies on each of them, rates locked for life, no expiration.
$20,000 each
Illustrative: ~$82 + ~$71/month
Permanent coverage
Tampa grandmother on Social Security
Age 81, modest fixed income, wanted certainty for her daughter
Two prior declines on simplified issue applications had convinced her she couldn't get any coverage. What I found: guaranteed issue was exactly the product for her situation. Coverage begins after a 2-year graded benefit period, with return of premium plus interest if she passes in those first two years. For someone over 80, this is often the most honest option.
$10,000 coverage
Illustrative: ~$92/month
Guaranteed acceptance
Background
Who Ali Is Outside the Policy
Ali has been licensed and selling life insurance in Florida since 2017 — eight-plus years of sitting with families to talk through end-of-life planning, which is work that benefits from more than just a license. Here’s a little more context on who he is and where he’s been.
Education
- Florida International University — Economics and Finance
- Honors College acceptance at FIU with a full-tuition scholarship based on top-10% SAT and ACT scores
- First-ever recipient of the Tony Menendez Laptop Scholarship at FIU
Prior Career
- Retail store manager
- Mortgage Loan Originator (NMLS-licensed professional experience)
- Real estate agent (Florida-licensed professional experience)
Community & Service
- Served on the Asian American Advisory Board of Miami-Dade County
- Board member of a 501(c)(3) not-for-profit organization
Beyond Work
Ranked poker player worldwide. It’s a personable side — and the same patience and risk-reading that poker trains are surprisingly useful when Ali’s helping a family weigh carriers, waiting periods, and the shape of a final expense plan.
