What AUL does

AUL, doing business as Protective Asset Protection, Inc., is a U.S. F&I (Finance and Insurance) solutions administrator and a subsidiary of Protective Life Corporation. The company administers vehicle protection products — vehicle service contracts, limited warranties, GAP coverage, and ancillary protection products — across four verticals: automotive, marine, RV, and powersports. Its customer base is composed of three primary B2B segments: dealers (10,000+ served), independent insurance and financial agents, and financial institutions (500+ credit unions and other FIs), with end consumers as the ultimate policyholders. AUL does not build a discrete technical platform; the offering is delivered through an agent/dealer portal, F&I training and certification programs, and wealth-building dealer participation programs (Protective DOWC, reinsurance, and retro programs) that allow dealers to share in the economics of administered products. Underwriting and carrier functions sit with affiliated Protective Life entities (PLICO in Nebraska and PLAIC in Alabama, covering all U.S. states including New York). Pricing is quote-based and customized to dealer, agent, and financial institution partnerships and is not publicly disclosed; revenue is generated through administration fees, reserve/interest income, and participation in dealer-side economics.

Name

AUL

Legal name

Protective Asset Protection, Inc.

Website

https://aulcorp.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

51–100 employees

Short description

Protective Asset Protection (AUL) is a U.S. F&I solutions administrator and subsidiary of Protective Life Corporation, administering vehicle service contracts, GAP coverage, and ancillary protection products for 10,000+ dealerships, agents, and 500+ financial institutions across automotive, marine, RV, and powersports.

Ownership category

akta.pro rank

Product category

Vehicle Service Contract Administration

NAICS

Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

OEM/Captive Warranty & Service Contract Programs (FSAJALAE)

Keywords

• Vehicle service contracts
• F&I solutions
• Extended auto warranties
• GAP coverage
• Dealer participation programs

Headquarters

HQ city

Napa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Distribution channels4 records

Marketing channels4 records

Core offering

AUL, now operating as Protective Asset Protection, is a service contract administrator that develops, underwrites, and administers vehicle service contracts, limited warranties, GAP coverage, and ancillary F&I products for the automotive, marine, RV, and powersports industries. The company distributes these products through a national network of dealers, agents, and financial institutions, and supports clients with wealth-building dealer participation programs (Protective DOWC, reinsurance, retro) and F&I training and certification services.

Differentiator

Problem solved

Functional benefit

Brands

• Protective DOWC: Dealer Owned Warranty Company program - a wealth-building program allowing dealers to generate additional revenue and build capital through F&I products.
• Protective

Products and services

• Vehicle Service Contracts (Automotive) Mechanical breakdown protection contracts for new and used cars and light trucks, administered for automotive dealers, agents, and financial institution partners. Coverage plans are offered across multiple term and mileage configurations.
• Limited Warranties (Automotive) Limited warranty products offered through automotive dealer and agent channels to provide vehicle coverage on specific components for new and pre-owned vehicles.
• GAP Coverage (Automotive) Guaranteed Asset Protection (GAP) coverage that waives the difference between a totaled vehicle's insurance settlement and the outstanding loan/lease balance, sold through automotive dealers and lenders.
• Ancillary Products (Automotive) Supplementary automotive F&I products such as tire-and-wheel, key replacement, paintless dent repair, and windshield protection plans sold alongside primary service contracts.
• Vehicle Service Contracts (Marine) Extended service contracts covering mechanical and electrical breakdowns on boats, marine engines, and outboard motors, sold through marine dealers and agents.
• Limited Warranties (Marine) Limited warranty offerings on marine vessels and watercraft distributed through boat dealers and marine agents.
• GAP Coverage (Marine) GAP protection plans for financed marine vessels, covering the difference between loan payoff and insurance settlement in the event of a total loss.
• Ancillary Products (Marine) Supplementary marine protection products (e.g., trailer coverage, accessory protection) sold through marine dealers alongside primary contracts.
• Vehicle Service Contracts (RV) Extended service contracts covering mechanical breakdowns, appliances, and components specific to recreational vehicles (motorhomes, travel trailers, fifth wheels), distributed through RV dealers and agents.
• Limited Warranties (RV) Limited warranty programs for new and used RVs, sold through RV dealers and agents across the U.S.
• GAP Coverage (RV) GAP waiver products covering the difference between financed RV loan balance and insurance total-loss settlement.
• Ancillary Products (RV) Supplementary RV protection plans (tire-and-wheel, roadside, etc.) offered through RV dealers in conjunction with primary service contracts.
• Vehicle Service Contracts (Powersports) Extended service contracts for motorcycles, ATVs, UTVs, snowmobiles, and personal watercraft, sold through powersports dealers.
• Limited Warranties (Powersports) Limited warranty products on new and pre-owned powersports units distributed through powersports dealers and agents.
• GAP Coverage (Powersports) GAP protection plans for financed powersports vehicles, covering the difference between loan payoff and insurance settlement on total loss.
• Ancillary Products (Powersports) Supplementary powersports protection products (tire-and-wheel, accessory, etc.) sold alongside primary contracts in powersports dealerships.
• Lifetime Battery Protection Plan Lifetime replacement coverage for powersports vehicle batteries, distributed exclusively through participating powersports dealers.
• Protective DOWC (Dealer-Owned Warranty Company) Dealer-owned warranty company program that allows dealers to form and own a captive warranty entity with Protective providing administrative and reinsurance support, enabling dealer wealth-building through underwriting profit.
• Reinsurance Programs Reinsurance arrangements allowing dealers, agents, and financial institutions to share in underwriting profit and investment income on portfolios of service contracts, with Protective as the fronting administrator.
• Retro Programs Retrospective rating programs that return a share of profits to participating dealer and agent accounts based on the loss experience of their specific contract portfolios.
• F&I Training and Certification Programs Online and instructor-led F&I training, courses, and agent certification programs for dealer personnel, agents, and financial institution staff selling service contract and ancillary products.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Assurant (Fortegra): Largest direct competitor in vehicle service contract administration through its Fortegra and Assurant Vehicle Protection businesses; offers overlapping F&I products (VSCs, GAP, ancillary) distributed through dealer, agent, and financial institution channels with similar product breadth.
• EasyCare / Automotive Warranty Specialists: Direct competitor administering vehicle service contracts and F&I products for auto, RV, marine, and powersports dealers; offers dealer participation programs analogous to AUL's DOWC/retro/reinsurance offerings.
• American Auto Shield: Vehicle service contract administrator offering extended warranties and protection plans through dealership and direct-to-consumer channels; overlapping product suite in mechanical breakdown coverage.
• JM&A Group: F&I training, products, and wealth-building programs for automotive dealers; owned by JM Family Enterprises, offers service contracts, GAP, and dealer participation programs competing directly with Protective DOWC.
• CarShield: Vehicle service contract provider that bypasses dealers through direct-to-consumer distribution; competing for similar end-consumer mechanical breakdown protection demand via a contrasting go-to-market model.
• TruStage (CUNA Mutual Group): Credit union-focused protection and insurance provider; overlaps with AUL's 500+ financial institution distribution channel through shared credit union partnerships offering vehicle and asset protection.
• Endurance Warranty: Vehicle service contract administrator providing extended mechanical and electrical coverage through dealers and direct channels; comparable product offering competing for similar end-consumer protection demand.

Broad incumbents

• Allstate Dealer Services: Allstate's dealer services division offers vehicle protection plans (VSCs, GAP, ancillary) through dealer channels; broader insurance conglomerate offering overlapping F&I capabilities as one product line in a larger portfolio.
• Zurich North America: Large global insurer offering dealer-related vehicle protection products; provides overlapping capabilities through F&I distribution as part of a broader commercial and consumer insurance portfolio.
• Mercedes-Benz Financial Services: OEM captive finance and protection provider; offers vehicle service contracts and GAP products through Mercedes-Benz dealers, representing the OEM captive side of the same F&I market AUL serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aulcorp

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AUL