Insurance Premium Financing

American Guardian offers premium financing options for most types of Commercial Insurance, Homeowner's Insurance & policies from Risk Retention Groups (RRG's) & Non-Rated Carriers.

Premium financing allows insureds to break up their insurance premiums into manageable monthly payments instead of paying the full amount upfront. This improves cash flow for insureds while increasing your agency revenue & retention.

The features below are offered through our partner company, General Agents Acceptance Corp (GAAC): 

More Earnings & Flexibility

• Producer fees on the interest spread
• Profit Sharing Program: earn up to 8% interest on producer fees you’re already generating
• Down Payment Program: down payments can be collected directly from the insured at no extra cost

Retention That Protects Your Book

• Five touchpoints before cancellation, including two live calls (plus a third on accounts $30k+)
• Proven to reduce cancellations
• 30 days before cancellation (20 days for trucking); more than most finance companies

This proactive communication reduces your risk of policy lapses and E&O exposure.