Skip to Content
F&I managers in meeting at dealership
F&I managers in meeting at dealership

Home | F&I Solutions 

F&I solutions from an industry leader

Protective Asset Protection is a leading F&I provider, serving dealers for over 60 years.

Our parent company, Protective Life Insurance Company, has been serving people for over 115 years. Protective Life Corporation is a wholly owned subsidiary of Dai-ichi Life Holdings, Inc., which is ranked on the Fortune Global 500 list as one of the world's largest companies based on revenue.*


car icon
Automotive F&I products
Marine F&I products
Powersports F&I products
RV F&I products
Protective F&I Industry Report
Keep your edge and stay current in the F&I industry.
The Protective F&I Industry Update is an in-depth look at the current landscape of F&I products in the market. The report addresses specific market challenges, F&I growth opportunities, feedback from U.S. dealers as well as the outlook for the various dealer participation program structures.
Download it now and take your business to the next level.
F&I Manager smiling
Why Protective?

More than 8,000 automotive, RV, powersports and marine dealers and 500 financial institutions offer our products.

More than 8.4 million active contracts in the automotive, RV, marine and powersports industries.

We market, administer and insure the majority of our product lines.

The letter A and a plus symbol
Protective Property & Casualty Insurance Company

Rated A (Excellent, 3rd highest of 15 ratings) by A.M. Best**


The letter A
Protective Administrative Services, Inc.

Rated A+ by the Better Business Bureau®*


Full product portfolio

repair icon
Service Contracts
Covers the costs associated with vehicle repair, including parts and labor, for covered repairs or replacements.
Gap icon
In the event of a total loss or unrecovered theft, Guaranteed Asset Protection (GAP) will, in most cases, pay the difference between the actual cash value and the scheduled balance owed to the lender.
Ribbon icon
Limited Warranties
Warranty programs cover specified mechanical failures for eligible vehicles. Programs for all needs.
Tire and wheel icon
Ancillary Products
Tire & Wheel, Paintless Dent Repair, Key Replacement, Paint & Fabric, Pre-Paid Maintenance, Theft, Combo programs, Windshield, Total Term Protection.
Brochures and flyers
Marketing Solutions

Consumer education and presale awareness

Digital tools including microsites and online videos provide awareness of benefits earlier in the buying cycle.


Full suite of collateral and point-of-sale materials to present benefits and aid F&I presentation.

Our technology solutions

Three people looking at tablet
Dealer / Agent Portal
  • Rate, submit, search, laser print and provide cancel quotes electronically
  • Remit contracts
  • Measure performance of the F&I operation
  • Live chat with a Protective representative
Man in glasses on computer
DMS & Menu integration
  • Fully integrated with PEN, CDK and R&R
  • Web services to integrate with providers
  • Product information, videos and presentation tools for menus
Woman on tablet smiling
Other systems and services
  • Technology platform to integrate with digital retailing and online F&I
  • Product info available for participating dealerships

 Protective Training Institute

On demand

Online training and development for F&I professionals keeps skills sharp with less time commitment


Sales skills for F&I managers and F&I sales, bootcamp courses offered in a classroom setting


Onsite training available to provide in-depth product knowledge and presentation best practices

Protective's dealer participation programs

Protective’s retro programs can help increase profits from the Protective Asset Protection products you sell. A dealer is paid a portion of underwriting profits as business earns out on an annual basis. Payments are made directly to the dealership. With our retro program you do not assume any risk. You participate only in the profit.

Controlled Foreign Corporation
Level III

Most robust offering

Greater loan flexibility

Accelerated access to capital

Level II

Industry-leading offering

30+ years of experience

100’s of millions of dollars distributed to shareholders

Level I

Same great coverage – discounted admin fee

Structured to maintain margins

Bundled with GAP and ancillary products for an even lower fee


Non-controlled Foreign Corporation
Under an NCFC, the dealer owns stock in a reinsurance company with many other participants. NCFCs often have the financial strength to produce long-term economic benefits. NCFCs are viewed as an offshore investment vehicle by regulatory and taxing authorities.

Protective DOWC
Dealer Owned Warranty Company
This is a unique opportunity for dealers to own their own warranty companies. Protective facilitates the set-up and provides day-to-day support of the Protective DOWC’s operations. A Protective DOWC provides its owner the opportunity to capitalize on the underwriting profits and investment income with no risk to dealership assets or dealer owner.
banner with check mark icon
Ready to get started?
Protective Asset Protection delivers value to agents, dealerships and financial institutions by building long-term relationships and offering innovative solutions to improve customer satisfaction while increasing F&I revenue. Let us help you increase your F&I profitability.