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Protection that pays

In today's fast-paced world of digital lending, providing value means more than competitive rates and an easy applications process — it means offering security that protects your borrower and portfolio.

Securian Financial's payment protection products bridge the gap between a lender's success and a borrower's security. These products cover both borrowers and lenders from default for covered events. Payment protection pays — for borrowers and for you.

Payment protection solutions

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Opt-in coverage

With just a couple of clicks, borrowers can choose coverage for involuntary unemployment which provides financial support if they lose their job; disability coverage, which helps if they are unable to work due to illness or injury; and death coverage, which ensures that their loan balance is paid off in the event of their passing.

It also includes:

  • Credit insurance or debt protection options
  • Non-interest income generation
  • Single premium and monthly payment options
  • Protection against borrowers’ defaults under covered events

Learn more about our opt-in coverage

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Portfolio Protector™

Your borrowers will be automatically enrolled in this debt protection option, which includes disability and involuntary unemployment coverage. It cancels up to six months of payments with a lump sum applied directly to the borrower’s loan.

It also includes:

  • No licensing requirement
  • Availability in all 50 states
  • Low tech setup
  • Potential for increased loan conversion

Let's get started

Learn how you can add more value to your borrowers.

Contact our sales team

Built for a digital world. Powered by Securian Financial strength

Securian Financial collaborates with lenders to create secure, scalable and compliant solutions that align with their business objectives. These solutions are powered by Securian Financial, a leading provider of insurance, with more than 140 years of experience and high financial strength ratings.

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Explore our solutions

The following products and solutions are available to the online lending market.

Document solutions

Individual term life

Institutional risk management

Payment protection

Surplus lines insurance

Vehicle protection

Payment protection refers to our suite of products that support lending solutions sold through financial institutions. 

Debt protection is a product of the lender. Minnesota Life Insurance Company acts as the administrator of the lender's debt protection program. A contractual liability policy may be issued to the lender by Securian Casualty Company, a New York authorized insurer. The lender is independently owned and is not affiliated with Securian Financial.

DOFU 7-2025

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