Insurance Premium Financing

American Guardian Insurance is partnered with General Agents Acceptance Corp (GAAC) & National Partners Premium Finance Co. They are known for their competitive rates, flexible down payments, and outstanding service.

Premium financing allows insureds to break up their insurance premiums into manageable monthly payments instead of paying the full amount upfront. This improves affordability for clients while increasing retention and reducing your agency’s E&O exposure.

James Makela has led as the National Sales Manager for General Agents Acceptance Corp for over 20 years, delivering premium financing solutions that meet the unique needs of insurance agents and their clients. 

GAAC stands out for its:

•  Very competitive rates and down payment options
• 100% financing of Broker Fees
•  Higher Financed Producer Fees for agents
•  Multiple insured payment notifications before cancellation

They notify your insureds five times before cancelling a policy, including 2 courtesy phone calls — either to the insured or your agency.
 

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

GAAC offers a range of helpful tools and services for both agents and insureds:

• 30-day grace period for insured payments*
  (Many carriers cancel policies after 20 days — GAAC gives your clients more time.)
   
• Credit card down payments for added convenience
   
• Online quoting for single policy endorsements
   
• Reprint all billing statements and notices online
   
• Personalized account management support for your agency