Terms of Service
Last updated: September 6, 2025.
Acceptance
By using this website, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the site. info@firstguardianinsurance.com • NPN: 21243866 • Licensed in AL, AZ, AR, FL, GA, IN, KS, LA, MI, MS, MO, OH, OK, SC, TN, TX. We are not affiliated with or endorsed by any government agency.
Who we are
First Guardian is an independent, licensed insurance agency. NPN: 21243866. Licensed in AL, AZ, AR, FL, GA, IN, KS, LA, MI, MS, MO, OH, OK, SC, TN, TX. We are not affiliated with any government agency.
Website use
Use this site only for lawful purposes and to request information or quotes for insurance products available in your state.
No legal/tax/financial advice
Content is general information, not legal, tax, financial, or medical advice.
Quotes & availability
Quotes and product descriptions are not offers or guarantees of coverage. Eligibility, rates, and availability depend on the carrier, state, health, and other factors. Carriers may include Mutual of Omaha, AIG, Foresters, Transamerica, and others; availability varies by state.
Partners & carriers
We work with multiple carriers and licensed partner agencies to obtain quotes and process applications. Your information may be shared with them to service your request (see Privacy Policy).
Communications & consent
By submitting your information, you agree we (and our licensed partners) may contact you by phone, text, or email about insurance products. Consent is not a condition of purchase. You can opt out anytime (see Privacy Policy). info@firstguardianinsurance.com or 1-844-999-9286.
Third-party links/tools
We’re not responsible for third-party websites or tools linked from this site. Their terms and privacy policies apply.
Intellectual property
All text, graphics, logos, and other content on this site are owned by or licensed to First Guardian and protected by law. You may not copy, modify, distribute, or create derivative works from site content without our written permission.
Disclaimers
This site is provided “as is” and “as available.” We disclaim all warranties to the fullest extent permitted by law.
Limitation of liability
To the fullest extent permitted by law, First Guardian is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site.
Indemnification
You agree to indemnify and hold First Guardian harmless from claims arising out of your misuse of the site or violation of these Terms.
Governing law
Governing law. These Terms are governed by U.S. federal law and, to the extent state law applies, the laws of South Carolina, without regard to conflict-of-law rules. Where required by law, actions may be brought in courts with jurisdiction over your county of residence; otherwise, you consent to the courts of Richland County, South Carolina.
Changes
We may update these Terms from time to time. Changes take effect when posted to this page.
Contact
Email: info@firstguardianinsurance.com • Phone: 1-844-999-9286
Severability & waiver
If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.
Failure to enforce a provision is not a waiver of our right to do so later.