Prepared for the unexpected. Positioned for peace of mind.
Fortegra’s credit protection products are designed to help lenders mitigate risk while enabling borrowers to meet financial obligations, in the event of unexpected, covered events. Our coverage aims to safeguard lenders’ assets and portfolios and reduce default risks. Seamlessly integrated into lending frameworks, our solutions can provide consumers with peace of mind. With robust financial strength and decades of experience, we strive for efficient claims processing and act as a dedicated partner in supporting your financial security.
Reduce risk for both lenders and borrowers
We offer credit protection programs that aim to strengthen customer relationships.
Comprehensive client portal
Easy access to forms and filing to streamline service and securely submit remittances.
Empowered training support
Blended online and in-person training offers convenience.
Expertise you trust
Experts in underwriting, claims, and regulatory affairs.
Choose a partner committed to your success
Our credit channel partners — consumer finance lenders, retailers, banks, credit unions, auto dealers, and managing general agents — benefit from the Fortegra Advantage.
Voluntary key offerings
- Credit life insurance: Protecting partial or full loan repayment in the event of the borrower's death.
- Credit disability insurance: Covering monthly loan payments for a limited period if a borrower becomes disabled.
- Involuntary unemployment insurance: Covering a specific number of monthly loan payments if a borrower loses their job unexpectedly.
- Credit property insurance: Protecting the lender's interest in collateral if damaged or lost.
- Automobile damage insurance: Safeguarding loans secured by pledged vehicles against physical damage or loss.
Asset protection key offerings
- Lender placed insurance: Protects lender interests in mortgage and auto portfolios when borrowers fail to maintain required coverage.
- Real estate investor insurance: Offers flexible property and liability coverage for renovate-to-sell and hold-and-rent investors in 1–4 family homes.
Reinsurance expertise that builds more than protection
Participate in underwriting profits, generate investment income, and structure long-term wealth strategies, all supported by compliant, customized formation and full-service program management.
Proven expertise
For over 45 years, we've combined strategic insight with practical know-how to help partners navigate a changing insurance landscape.
Disciplined underwriting
We help programs stay on track by providing ongoing feedback, in addition to regularly scheduled account reviews, and focus on reducing risk while maintaining disciplined underwriting.
Strength and stability
A 45+ year track record and an A.M. Best Financial Strength Rating of A- (Excellent).
Government affairs support
A dedicated presence in Washington D.C. championing industry issues.
Operational services
- Custom claims administration: Efficient, brand-aligned service that builds loyalty.
- Comprehensive product suite: We offer a reliable portfolio of products and carefully track industry regulations and environmental changes to stay ahead of shifts.
- Operational excellence: Smooth implementation and responsive day-to-day support.
- Efficient digital portal: We utilize modern technology to streamline processes and claims handling, all while staying compliant.
- Training support: Our Learning and Development team provides convenient access to training tools to help your team confidently offer credit protection products.
Lessons from 2025 and the road ahead
Navigating the Credit Protection LandscapeCollaborating with our partners
GoldPoint Systems Announcement