`. 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 content
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Final Expense Comparisons

Final Expense Alternatives Compared

Honest, non-disparaging comparisons of popular direct-to-consumer and captive final expense brands versus working with a licensed independent Florida agent. Each page lays out where they win, where they fall short, and when each option actually saves you money.

Colonial Penn

Direct-to-consumer (TV and mail marketing)

Guaranteed-acceptance whole life insurance for seniors, famous for its 95-cent TV ads

Read the Colonial Penn comparison \u2192

Lincoln Heritage (Funeral Advantage)

Captive agent force (final expense focus)

Final expense specialist with the Funeral Advantage Program and captive agent force

Read the Lincoln Heritage (Funeral Advantage) comparison \u2192

AARP Life Insurance (via NY Life)

AARP-endorsed (issued by New York Life)

AARP-branded whole life and term life marketed to AARP members through New York Life

Read the AARP Life Insurance (via NY Life) comparison \u2192

Globe Life

Direct-to-consumer mail and TV marketing

Direct-to-consumer final expense, heavy TV advertising ("$1 for the first month")

Read the Globe Life comparison \u2192

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