Offering peace of mind against unwelcome surprises.

Regional Finance offers a number of optional insurance and club memberships that protect you and your loved ones in the event of unforeseen circumstances, including death, unemployment, loss of income due to injury or illness, or the unexpected costs of roadside assistance or vehicle repair. Ask one of our Branch Team Members about eligibilty requirements.*

*Optional insurance products and club memberships are not required to obtain loan approval and can be canceled anytime.

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File a Claim Cancel Your Policy Optional Credit Protection Products Disclosures FAQs

Currently covered? How can we help?

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File a Claim
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Cancel Your Policy
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If you have experienced a loss that is covered by one of the optional insurance products you have purchased (Involuntary Unemployment, Disability, or Personal Property) or are the beneficiary of a Regional Finance customer that has passed away – please contact Customer Support at (844) 303-3980 for assistance with filing a claim. We are here to help you.

You may also initiate a claim directly with the insurance carrier here: https://www.securian.com/benefits/ssl/home.do or call 1-800-328-9442.

Life, Disability, and Involuntary Unemployment Insurance can be canceled at any time. If you wish to cancel your Personal Property or Vehicle Insurance, please provide proof of your coverage that shows Regional Finance as a Loss Payee for that policy. Please note that all refunds resulting from cancellation will be applied toward your outstanding loan balance. Your monthly payment owed to Regional Finance will not change.

If you wish to cancel your policy, please contact Customer Support at (844) 303-3980.

File a Claim

If you have experienced a loss that is covered by one of the optional insurance products you have purchased (Involuntary Unemployment, Disability, or Personal Property) or are the beneficiary of a Regional Finance customer that has passed away – please contact Customer Support at (844) 303-3980 for assistance with filing a claim. We are here to help you.

You may also initiate a claim directly with the insurance carrier here: https://www.securian.com/benefits/ssl/home.do or call 1-800-328-9442.

Cancel Your Policy

Life, Disability, and Involuntary Unemployment Insurance can be canceled at any time. If you wish to cancel your Personal Property or Vehicle Insurance, please provide proof of your coverage that shows Regional Finance as a Loss Payee for that policy. Please note that all refunds resulting from cancellation will be applied toward your outstanding loan balance. Your monthly payment owed to Regional Finance will not change.

If you wish to cancel your policy, please contact Customer Support at (844) 303-3980.

Optional Insurance Products We Offer

Briefcase
Credit Involuntary Unemployment Insurance
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Injured person
Credit Disability Insurance
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Protect shield
Credit Life Insurance
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Couch
Credit Personal Property Insurance
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  • Pays a monthly benefit if you become involuntarily unemployed for more than 30 consecutive days.
  • Payments are made retroactively to the first day of involuntary unemployment.
  • Must qualify for state unemployment benefits and register to work with your state unemployment office or employment agency or provide proof of loss as determined by the insurance carrier who provided the Credit Involuntary Unemployment Insurance policy.
  • No health questions asked.
  • Pays a monthly benefit if you become disabled due to injury or illness.
  • Payments are made retroactively to the first day of your disability or illness.
  • No health questions asked, or physical examination required.
  • Pays off or reduces your outstanding loan balance in the event of your death.
  • Coverage in certain states may include terminal illness and/or accidental dismemberment.

*Please refer to your certificate of insurance for details of coverage.

  • IMPORTANT: Personal property used to secure the loan as collateral must be insured. You may choose to add Regional Finance as a loss payee to your existing homeowner’s or renter’s insurance policy to meet this requirement.
  • Covers loss or damage to property caused by perils such as fire, lightning, flood, windstorm, or burglary.
  • When filing a claim on lost or damaged personal property, there is no minimum claim amount required.
Credit Involuntary Unemployment Insurance
  • Pays a monthly benefit if you become involuntarily unemployed for more than 30 consecutive days.
  • Payments are made retroactively to the first day of involuntary unemployment.
  • Must qualify for state unemployment benefits and register to work with your state unemployment office or employment agency or provide proof of loss as determined by the insurance carrier who provided the Credit Involuntary Unemployment Insurance policy.
Credit Disability Insurance
  • No health questions asked.
  • Pays a monthly benefit if you become disabled due to injury or illness.
  • Payments are made retroactively to the first day of your disability or illness.
Credit Life Insurance
  • No health questions asked, or physical examination required.
  • Pays off or reduces your outstanding loan balance in the event of your death.
  • Coverage in certain states may include terminal illness and/or accidental dismemberment.

*Please refer to your certificate of insurance for details of coverage.

Credit Personal Property Insurance
  • IMPORTANT: Personal property used to secure the loan as collateral must be insured. You may choose to add Regional Finance as a loss payee to your existing homeowner’s or renter’s insurance policy to meet this requirement.
  • Covers loss or damage to property caused by perils such as fire, lightning, flood, windstorm, or burglary.
  • When filing a claim on lost or damaged personal property, there is no minimum claim amount required.

Optional Benefit Club Memberships*

Please follow the links below for additional details regarding these optional memberships.

Home auto
Home & Auto Plus

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Automobile
Auto Plus

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Shield
Silver Safeguard

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*Benefits and services are administered by FIMC Partners LP, an independent, third-party vendor.

Disclosures

Not all optional insurance products are available on all loans or in all states. Eligibility requirements must be met to obtain certain optional insurance protection products. Claim payments for all optional insurance products are issued to Regional Finance and applied against the balance of your outstanding loan. Should claim benefit payments exceed the payoff amount of the loan, any overage will be issued to the covered borrower, or in the event of life insurance, to the designated beneficiary(ies).

Frequently Asked Questions

Are optional insurance products and club memberships required for loan approval?
No, insurance products and club memberships are optional and not required for loan approval, and they can be canceled at any time.

Benefits

What are the benefits of optional insurance products?
Having optional insurance products can provide you with the peace of mind of knowing that your credit obligations, yourself, and/or your loved ones will be taken care of in the event of some unforeseen circumstance.
Do benefits differ based on where I live?
In some instances, your benefits can differ based on the state in which you reside. It is for this reason that it is important to talk with one of our Branch Team Members about the specific benefits that would apply to you. Also, an insurance certificate is provided with your loan closing documents and this details your specific coverages.
Am I able to change my life insurance beneficiary?
Yes. We understand circumstances change, and if you wish you update your beneficiaries, please contact your local branch by calling (888) 636-3535.

Eligibility

Am I eligible for these optional insurance products?
Eligibility is primarily based on age and employment status. However, everyone’s situation is different so it’s important to have a discussion with one of our experienced Branch Team Members regarding your eligibility. Please contact your local branch at (888) 636-3535 to learn more.
If I refinance my current loan, can I purchase the same optional coverages I previously had?
In most cases, yes, you will be able to renew your coverages. However, there may be some age restrictions or employment changes that may affect future eligibility. Please contact your local branch at (888) 636-3535 to learn more.

Filing a Claim

Will I receive a check once my claim is approved?
For insurance claims, the claim payment will be made to Regional Finance and applied to the outstanding balance of your loan. After satisfying your credit obligation with Regional Finance, and if the claim payment(s) received exceed(s) the payoff amount of your loan, any additional proceeds will be paid to you or your designated beneficiary(ies).
What can I claim under the Personal Property Insurance?
Only items used to secure the loan and listed on the Schedule A in your loan documents are covered by the Personal Property Insurance policy.

Cancellation of Insurance

When will my coverage end?
If you do not cancel prior to paying off your loan, your coverage will end at the maturity date as stated on your loan closing documents.
If I cancel my insurance, will I receive a check for the premium refund?
No, the insurance premium refund will be applied to your outstanding loan balance, reducing the amount you owe to Regional Finance.
If I cancel my optional insurance will my payment go down?
No, the premium for the canceled insurance product will be applied to your outstanding loan balance thereby reducing the timeframe to pay off your loan and the associated finance charges.
If I pay off my loan before the maturity date, do I get a refund of the premium I’ve already paid?
If you pay off your loan early, any unearned premium will be applied to the outstanding loan balance thereby reducing the amount owed at payoff.