Effective Date: 11/24/2025
Welcome to guaranteemutual.com (“Guarantee Mutual,” “Company,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of this website (the “Site”) and related services.
By using this Site, requesting quotes, or submitting your information, you agree to these Terms. If you do not agree, please discontinue use of the Site.
Guarantee Mutual specializes in helping individuals compare final expense (funeral/burial) insurance options from multiple insurance providers nationwide.
We:
Provide educational resources and guidance
Offer quote comparison tools
Connect consumers with licensed insurance agents or carriers
Facilitate applications for coverage
We are not an insurance company and do not issue insurance policies. All policies are issued by third-party insurance carriers, and underwriting decisions are made solely by those carriers.
Quotes displayed on this Site are estimates based on the information you provide.
We do not guarantee:
Approval for coverage
Specific premium rates
Policy issuance
Underwriting outcomes
Claims approval or payout timelines
Coverage availability and terms vary by state and by insurance carrier.
This Site is intended for individuals who are at least 18 years of age.
By using this Site, you represent and warrant that:
You are 18 years of age or older;
You are legally capable of entering into a binding agreement;
All information you provide is accurate and truthful.
All content, guides, and resources on this Site are for informational purposes only and do not constitute legal, financial, or tax advice.
You should consult with a licensed insurance professional regarding your individual circumstances.
By providing your mobile phone number through our Site and affirmatively opting in, you consent to receive SMS/MMS messages from Guarantee Mutual and its licensed agents or partners.
Consent to receive text messages is not a condition of purchase.
Text messages may include:
Quote follow-ups
Application status updates
Policy information
Appointment confirmations
Customer service communications
Reminders regarding incomplete applications
Promotional or marketing communications (where permitted by law)
Message frequency may vary.
You may opt out of SMS communications at any time by replying:
STOP
After sending STOP, you may receive one final confirmation message. You will not receive further messages unless you opt back in.
For assistance, reply HELP or contact us using the information below.
If you have questions about our SMS communications, you may contact us at:
Guarantee Mutual
1525 International Parkway, Suite 4001
Lake Mary, FL 32746
Email: support@guaranteemutual.com
Website: https://guaranteemutual.com
Message and data rates may apply depending on your wireless carrier plan. Charges are determined by your mobile service provider.
Please contact your carrier for details regarding messaging and data charges.
Wireless carriers are not liable for delayed or undelivered messages.
We work with multiple insurance carriers and licensed agents. We do not control:
Carrier underwriting decisions
Policy issuance
Premium calculations
Claims handling or benefit payments
Any insurance contract is solely between you and the issuing insurance carrier.
All Site content — including text, branding, graphics, and tools — is owned by Guarantee Mutual or its licensors and protected by law.
You may not reproduce, distribute, or use our materials without written permission.
The Site is provided “as-is” and “as-available.”
We make no warranties regarding:
Accuracy of quote comparisons
Continuous availability of the Site
Suitability of any insurance product
To the fullest extent permitted by law, Guarantee Mutual shall not be liable for:
Indirect or consequential damages
Losses related to carrier decisions
Policy denial or claims disputes
Reliance on Site information
Your sole remedy is to discontinue use of the Site.
Your use of the Site is governed by our Privacy Policy.
We do not sell, rent, or share mobile phone numbers or SMS opt-in data with third parties for their independent marketing purposes.
Mobile information is shared only with service providers necessary to deliver our communications and services.
You may review our Privacy Policy here:
https://guaranteemutual.com/privacy-policy/
These Terms are governed by the laws of the State of Florida.
Any disputes shall be resolved in the courts located in Florida.
We may update these Terms at any time. Updates will be reflected by a revised Effective Date.
Your continued use of the Site constitutes acceptance of any changes.