Payment Protection for All Types of Auto Dealers, Lenders, and W-2 Full-Time Employed Customers due to a Job Loss.

Job Loss Lifeline is an individual guaranteed-issue membership program designed to provide job-loss income and/or payment protection benefits to qualifying enrolled members — an added layer of financial protection for customers, auto dealers, and lenders, providing financial protection for monthly payment obligations due to a customer's job loss. Customers enroll directly, or the program premium is included in the loan payment.

Auto Lenders and all types of Auto dealers can make the program available to past and current customers and future customers alongside existing lending and/or make the program a required enrollment for funding approval at no cost to you. The company was established in 1992, and this benefits program since 2001.

WHY INSTITUTIONS LOOK AT IT

Three Priorities for Lending Teams

Can Strengthen Member Value

Access to job-loss income protection and additional wellness benefits can add value to the member experience during periods of unexpected financial difficulty.

May Help Reduce Payment Default Risk

Job loss can affect a borrower's ability to stay current with on-time payment obligations. Qualifying enrolled customers may receive temporary job-loss income or payment protection benefits during an eligible period of unemployment.

Can Strengthen Customer Value

Access to job-loss income or payment protection benefits, and additional everyday-life and wellness benefits add value to the customer experience during periods of unexpected financial difficulty.

May Create New Revenue Opportunities

The program gives Auto Lenders and any type of Auto Dealer an additional value-added offering that may create a new revenue opportunity while expanding available customer benefits and increasing sales.

Simple to Introduce. Easy to Manage.

The program can be introduced through communications your institution already uses, without building a complicated new internal initiative.

FOR YOUR TEAM

This program can be introduced through communications your business already uses for your past, current and future customers, without building a complicated new internal initiative. Or we can brand a simple easy introduction program that gets results for your business.

Make It Available

Offer the Job Loss Lifeline to your past and current customers and alongside your new customers with your existing lending products at point of sale

Promote It Where You Already Communicate

A brief statement and a dedicated enrollment link in a customer newsletter, customer portal, email or other existing communications

Point Customers to One Landing Page

Interested customers are directed to your businesses dedicated Job Loss Lifeline enrollment page or through list enrollment.

Evaluate the Response

Gauge customer interest and response without micromanaging the program day to day by getting started or with our Beta Test program

How It Supports Payment Protection

Three stages, from enrollment through benefit payment.

HOW IT WORKS

Customer Enrolls

Eligible Customers enroll individually, Guaranteed issue, no credit, background checks, or income qualifications required to be covered

Qualifying Job Loss

The enrolled customer must meet applicable program requirements, including W2 full time employment verification on date of enrollment and approval for state unemployment benefits

Benefits Paid

Job-loss income and/or payment protection benefits are paid to the customer and/or your business to ensure payment protection after the required waiting period and according to the program benefits terms

Program Essentials

HOW IT WORKS

Timing & Claims

Waiting period 180 days

Minimum employment 6 months

State unemployment Approval required

Program requirements Must be met

Automation and Integration

The Job Loss Lifeline was specifically designed for ease of use by its partners and their customers. With simple customer enrollment introduction through existing communication channels or a complete branded marketing material system. Our dedicated online enrollment portals allow quick and easy enrollment for customers that can be completed is just a couple of minutes at their home online or your location. We provide complete tracking, distribution, and administration of the program. Allowing you to add in-demand, valuable benefits your past, current, and future customers need access to, taking advantage of the program without requiring invested time by your organization.

04 How does the six-month cap work across multiple job losses?

Members have six months of total coverage, which can be used continuously or split across separate unemployment events — for example, three months during one event, leaving three for a future event.

The program deactivates automatically once the cap is reached. A member who returns to full-time W-2 employment may re-apply, and a new 180-day waiting period applies.

Answers written for institutions evaluating the program.

01 Is Job Loss Lifeline insurance?

No. This is a guaranteed-issue individual job-loss income membership program, not an insurance product. It covers W-2 full-time employees ages 18–64. It does not cover part-time, 1099, self-employed, temporary, or seasonal workers.

COMMON QUESTIONS

Frequently Asked Questions

07 How are claims processed and verified?

Members receive enrollment access details within 10 days of signup. Claims are submitted by email and verified against W-2 full-time employment status at enrollment. Approval for state unemployment benefits is required. Claims average a 10-day processing turnaround.

05 How long has the program been available?

The parent company was established in 1992, and this membership program launched in 2001.

03 What does the benefits pay?

$500 per month for up to six months — a maximum of $3,000 per member.

08 How do businesses integrate the program?

Businesses selling products or services through recurring payment contracts can embed the program as an added-value benefit. It functions as customer payment protection, designed to help maintain contracted monthly payments during a qualifying job-loss event, subject to program terms.

02 What is the waiting period before a claim can be filed?

There is a mandatory 180-day waiting period after enrollment before benefits can be claimed. Members must remain continuously employed during this period.

06 What does a membership cost, and who can pay for it?

Memberships are $39.70 per month and run month-to-month. Income protection covers the enrolled individual only, so separate memberships are required for multiple individuals.

Under the Qualifying Guardian provision, a direct family member — spouse, parent, or grandparent — may enroll and pay premiums on behalf of an eligible worker.

Premiums are waived while a member is actively receiving job-loss benefits, and resume upon re-employment. Deactivation requires a written email request with 30 days' notice.

Don't Miss this Opportunity to Learn More

Find out how the Job Loss Lifeline may fit into your Auto Lending or Auto Sales Dealership and customer payment-protection programs — plus how simply it can be introduced.

Job Loss Lifeline - Powered by Your Payment Guardian

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