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Ensuring Ethical & Secure Collateral Protection

At State National, we are serious about compliance. Our mission is to provide collateral protection insurance (CPI) that is transparent, ethical, and fully compliant with all regulations — giving our clients complete confidence in their protection programs.
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What Makes Our Compliance Process Exceptional?

✅ Advanced AI Technology – Our proprietary AI scans insurer websites 24/7 to verify borrower insurance status, greatly reducing unnecessary notices.

✅ EDI Capability With 650+ Insurance Carriers – We verify over 70% of loans automatically using Electronic Data Interchange (EDI), reducing errors and delays.

✅ Multiple Submission Channels – Borrowers can submit insurance information via custom P.O. Box, email, text, fax, phone, chat, or MyLoanInsurance.com for seamless processing.

✅ Award-Winning Support – Our U.S.-based contact center provides assistance 7 days a week via phone, email, chat, and video chat.

✅ Real-Time Processing – Quick, accurate insurance updates mean fewer notices, fewer certificates placed, and less borrower friction

✅ Full Transparency & Control – Lenders and staff have 24/7 access to InsurTrak for real-time insurance status updates and reporting.

✅ Automated Payment Adjustments – Premium adds & refunds and payment changes are fully automated for accuracy and efficiency.

✅ Dedicated Compliance Department – Our on-site compliance team enforces strict, measurable quality control processes to maintain integrity in all operations.

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CPI From the Specialists

Designed to avoid friction and meet the highest compliance standards, State National's programs integrate multiple submission methods, 24/7 access, and proactive outreach with AI-driven tools to enhance efficiency and minimize policy placements.
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Partnering for Success

State National’s approach is built on six pillars — compliance, borrower experience, transparency, efficiency, technology, and financial impact — ensuring trust, innovation, and value for both lenders and their borrowers.
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50 Years, 50 Reasons

With over half a century of expertise, State National delivers unmatched portfolio protection through advanced technology, borrower-first services, unwavering compliance, and a true partnership approach tailored to each lender's unique needs.
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Not All CPI Programs Are Created Equal

With a focus on transparency, efficiency, and compliance, State National's portfolio protection programs leverage advanced technology, optimized processes, and industry expertise to help lenders confidently avoid common CPI challenges.
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Self-Insurance & Blanket vs. CPI

A comparison of self-insurance, blanket insurance, and CPI, illustrating why CPI stands out as the most effective, efficient, and equitable strategy for protecting borrowers and safeguarding financial institutions from loan portfolio risks.
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"With businesses, there’s a difference between vendor and partner, and State National is definitely a partner. And the partnership is right on point. I would definitely recommend State National."
TIFFANY KAUFMAN, LGE COMMUNITY CREDIT UNION, ATLANTA, GA

"Compliance is extremely important to our company, and State National's expert understanding of the regulatory environment finance companies operate in is a big deal to us." 
SAM BRADBURY, UNITED FINANCE CO., PORTLAND, OR

"I do trust State National’s company and program to keep our best interest at heart. They're one of our more treasured vendor partners, and their reputation speaks for itself.  Their CPI has helped a lot of people avoid potential catastrophic losses, and State National has also helped protect our bottom line from taking on excessive losses if something should happen to a vehicle that's under coverage."
TIM MULLEN, MEMBERS CREDIT UNION, WINSTON-SALEM, NC

In 2017, State National was acquired by Markel (NYSE MKL), a holding company for insurance, reinsurance, and investment operations. Markel is a diversified financial holding company that focuses on sustainable results while serving a variety of niche markets.

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