Bakers Insurance Financial Warranty Group - Western General & Protective Dealer Services:

Protective Life Insurance Company was established on a profound belief in the American dream: Provide quality products with excellent service and success will follow. Since 1907, Protective Life Insurance Company has remained true to its core beliefs: Quality, Serving people, and Growth. This unwavering commitment to doing the right thing for the people we serve has been rewarded with stable, long-term relationships and continuous growth. Today, Protective Life is one of the nation’s leading insurance companies, proving the wisdom of our Company’s vision: Doing the right thing is smart business.®

Protective Life Insurance Company has more than $729.8 Billion of coverage in force to date.* Protective Life has insurer financial strength ratings A+ Superior.

Protective Life Insurance Company is also a member of the Insurance Marketplace Standards Association (IMSA) and has adopted its Principles of Ethical Market Conduct. IMSA is a voluntary membership organization created by life insurance chief executives to establish a uniform set of standards against which companies can verify that they have appropriate market conduct policies and procedures in place for their individual life and annuity products. Its central goal is to maintain high standards of ethical company behavior in the life insurance marketplaceadd images to illustrate your offering. Tell your visitors why they should buy from you! Add a new section for each product or service

Protective’s Asset Protection Division is one of the five operating divisions within Protective. The Asset Protection Division offers its products and services through automobile, marine, RV, and power sports dealers. Through these business partners, the Asset Protection Division offers consumers protection against unwanted losses they may experience after purchasing and financing major consumer assets such as automobiles, boats and recreational vehicles.

The Asset Protection Division is consistently investing in superior products and services through underwriting, administering and marketing its own programs. These programs include extended service contracts, GAP coverage, and credit insurance.

Asset Protection Division Product Portfolio:

Extended Service Contracts that offer terms and coverage for both new and pre-owned vehicles, including limited warranties and WRAP products
GAP coverage that provides your customers with worry-free driving, while you earn their loyalty and repeat business
A credit insurance program with a solid track record of increasing a dealership's bottom line
F&I training programs that bring your dealership the most current techniques and styles to help you achieve a competitive edge, while maintaining customer satisfaction.

Dealer Participation Programs:

The Protective Asset Protection Division offers dealers an additional opportunity to increase their bottom line. Dealers may elect to participate in either a retro program or enter into a reinsurance relationship.

A retro program allows a dealer to participate in the underwriting profits of a given product on the business he writes. Typically, the percentage of shared profits will increase as the dealer’s volume of business increases. A reinsurance arrangement allows the participating dealer to assume the exposure in full for the underwriting performance of his book of business. This provides the dealer an opportunity to participate in the underwriting profit and loss as well as receiving the investment income on the reserves held to pay claims. Most products are available for a retro and reinsurance program.

The benefits of these programs include potential opportunities for increased profits in addition to the up-front commission. Our representatives and agents can provide you with valuable resources to help you determine which option is best suited for your dealership.

Baker's
Insurance Financial Warranty
DQS 90 NO Credit Check
Smith Motors Auto Sales
Group of Companies


             Protecting your investment where it counts

Baker's

Protecting your investment where it counts

Western General & Protective Dealer Services:

Protective Life Insurance Company has more than $729.8 Billion of coverage in force to date.* Protective Life has insurer financial strength ratings A+ Superior.

Baker's Insurance Financial Warranty DQS 90 NO Credit CheckSmith Motors Auto Sales Group of Companies Protecting your investment where it counts

Baker's

Protecting your investment where it counts

Western General & Protective Dealer Services:

Protective Life Insurance Company has more than $729.8 Billion of coverage in force to date.* Protective Life has insurer financial strength ratings A+ Superior.

Baker's
Insurance Financial Warranty
DQS 90 NO Credit Check
Smith Motors Auto Sales
Group of Companies

Protecting your investment where it counts