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# State National

Simplifying insurance so you can get to business

## Sitemaps

- [XML Sitemap](https://www.statenational.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://www.statenational.com/blog/)
- [Markel To Acquire State National](https://www.statenational.com/markel-to-acquire-state-national/) - Markel Corporation and State National Companies, Inc. today announced that they have entered into a definitive agreement under which Markel will acquire all of the outstanding shares of State National common stock for $21.00 per share in cash. The transaction has a total value of approximately $919 million.
- [State National Joins Forces with Glia](https://www.statenational.com/state-national-companies-joins-forces-with-glia/) - State National Companies is proud to announce that the company has teamed with Glia, the leading provider of Digital Customer Service (DCS), to introduce a communication platform that provides State National’s end-user customers with a seamless digital-first experience across all channels — SMS, chat, voice and video — without breaking the digital connection.
- [Unlocking CPI Program Value for Lenders](https://www.statenational.com/unlocking-the-true-value-of-your-cpi-program/) - When evaluating a CPI program, it's important to look beyond the surface. Here's how you can ensure you're getting the true value. Rising Auto Delinquencies, Higher Charge-Off Risk, and What You Can Do to Protect Your Loan Portfolio
- [State National Launches Advisory Council](https://www.statenational.com/state-national-launches-client-advisory-council/) - State National announces the formation of its Client Advisory Council, bringing credit union leaders together to exchange insights and guide strategy.
- [Markel Completes Acquisition of State National](https://www.statenational.com/markel-completes-acquisition-of-state-national/) - Markel Corporation announced today that it has completed its acquisition of State National Companies, Inc., a leading specialty provider of property and casualty insurance services that operates two core businesses, program and lender services.
- [State National Celebrates 50 Years Of Excellence](https://www.statenational.com/state-national-celebrates-50-years-of-excellence/) - BEDFORD, TX, December 5, 2023 – State National Companies, the provider of market-leading lender and program services solutions in the United States, is celebrating its 50th anniversary this year. Since its inception in 1973, State National Companies has seen tremendous growth and advancement, as the company has evolved within the insurance industry. Started by three
- [What You Need to Know About Maximizing Your CPI Program](https://www.statenational.com/unlocking-the-true-value-of-your-cpi-program-what-you-need-to-know/) - For credit unions, implementing AI can seem daunting, but these seven steps will guide you through the process. Rising Auto Delinquencies, Higher Charge-Off Risk, and What You Can Do to Protect Your Loan Portfolio
- [State National Companies Appoints Matthew Freeman as President](https://www.statenational.com/state-national-companies-names-matthew-freeman-president/) - State National Companies, today announced that Matthew Freeman has been appointed President of State National Companies, effective February 8, 2016.
- [Streamlined Lending Automation with InsurTrak and AKUVO Aperture](https://www.statenational.com/insurtrak-and-akuvo-aperture-integration-delivers-automation-and-easy-access-for-lenders/) - BEDFORD, TX, Nov. 8, 2022 – State National Companies is proud to announce that its proprietary InsurTrak all-in-one tracking and reporting platform has been added to AKUVO’s marketplace of integrated services, further enhancing the organization’s leadership position as the technology front-runner in the portfolio protection industry. The addition of this integrated software connector will simplify daily
- [AM Best Confirms ‘A' (Excellent) Rating for State National Group](https://www.statenational.com/a-m-best-affirms-ratings-of-state-national-groups-members-assigns-ratings-to-state-national-companies-inc/) - A.M. Best has affirmed the financial strength rating (FSR) of A (Excellent) and the issuer credit ratings of "a" of State National Insurance Company, Inc. (SNIC) and its subsidiaries National Specialty Insurance Company (NSIC) and United Specialty Insurance Company (USIC) (all headquartered in Bedford, TX), which operate under a pooling agreement and are collectively referred to as State National Group (State National).
- [State National Companies Achieves World-Class +86 Net Promoter Score](https://www.statenational.com/state-national-companies-nps-remains-industry-leading-at-86/) - State National’s 2022 Net Promoter Score remains at +86, more than twice the insurance industry average, reflecting continued client satisfaction levels.
- [State National Recognized as a Center of Excellence by BenchmarkPortal](https://www.statenational.com/state-national-center-of-excellence-certification-from-benchmarkportal/) - BEDFORD, TX, February 27, 2023 – State National Companies is proud to announce its recent certification as a Center of Excellence by BenchmarkPortal. The Center of Excellence recognition is one of the most prestigious awards in the customer service and support industry, and coupled with State National’s “A” (Excellent) rating from A. M. Best, as
- [State National Achieves +68 Net Promoter Score](https://www.statenational.com/state-national-significantly-exceeds-industry-average-with-nps-score-of-68/) - State National's Portfolio Protection 2017 Net Promoter Score (NPS) of +68, is a best-in-class achievement and reflects the willingness of SN's clients to recommend State National.
- [State National Founder Terry Ledbetter Announces Retirement](https://www.statenational.com/terry-ledbetter-to-retire-as-chairman-and-ceo-of-state-national/) - Markel announced today that Terry Ledbetter, Chairman and Chief Executive Officer (CEO) of its State National division, will be retiring at the end of 2019. Ledbetter founded State National with his brothers, Lonnie and Garry, in 1973.
- [Innovation Strategies for Credit Union Success](https://www.statenational.com/innovation-strategies-for-credit-union-success/) - As a Filene Center of Excellence partner, State National is excited to share these insights to help our credit union partners excel as industry leaders.Rising Auto Delinquencies, Higher Charge-Off Risk, and What You Can Do to Protect Your Loan Portfolio
- [State National Welcomes Terry Muhia as Executive Vice President](https://www.statenational.com/state-national-welcomes-terry-muhia-as-executive-vice-president/) - BEDFORD, TX, May 14, 2024 – State National Companies is pleased to announce the recent appointment of Terry Muhia as Executive Vice President of Service for its Lender Services division. With an accomplished background spanning over two decades in the insurance and financial sectors, including an 18-year tenure at CUNA Mutual Group/TruStage focusing on the credit
- [5 Factors Contributing to Increased Risk for Auto Lenders](https://www.statenational.com/6-often-overlooked-reasons-a-tracked-cpi-program-is-better/) - Rising Auto Delinquencies, Higher Charge-Off Risk, and What You Can Do to Protect Your Loan Portfolio
- [6 Often-Overlooked Reasons a Tracked CPI Program Is Better](https://www.statenational.com/6-often-overlooked-reasons-why-a-tracked-cpi-program-is-better/) - There are a lot of factors in CPI’s favor that aren’t immediately obvious and can be all-too-easily overlooked. Avoid the unintended (and potentially unpleasant and expensive) consequences that can often happen with self-insurance or blanket coverage. Here is why a tracked CPI program is better.
- [Calling All Intrapreneurs!](https://www.statenational.com/calling-all-intrapreneurs/) - Director of Learning and Development David Holmes defines Intrepreneurship and explains what it takes to become an intrepreneur. Intreprenurship is a concept that has been utilized by the employees at State National to develop the best portfolio protection products in the industry!
- [What to Look for in a CPI Provider](https://www.statenational.com/what-to-look-for-in-a-cpi-provider/) - What differentiates portfolio protection providers? Choosing the right partner for your financial institution. Here's how to evaluate the differences between average and high-quality portfolio protection providers.
- [What Is Collateral Protection Insurance (CPI) — and Do You Need It?](https://www.statenational.com/what-is-collateral-protection-insurance/) - What is collateral protection insurance (CPI), what does CPI do, and how it can benefit financial institutions? With nearly 50 years in specialized loan tracking and portfolio protection insurance, State National makes understanding CPI simple.
- [I Don’t Understand Why We Don’t Have All the Business!](https://www.statenational.com/i-dont-understand-why-we-dont-have-all-the-business/) - What's our EVP of Sales John Pearson shouting about? More money for financial institutions, amazing customer service, internally built programs, proactively avoided friction on claims, and superior technology. It's undeniable, State National's portfolio protection programs are better. Read to find out why.
- [State National Appoints Poeton to SVP-Business Development of Program Services Segment](https://www.statenational.com/state-national-appoints-poeton-to-svp-business-development-of-program-services-segment/) - State National Companies, today announced that Mr. Tim Poeton has been appointed Senior Vice President of Business Development of its Program Services segment, which provides fronting capacity by offering broad licensing authority and national access to insurance products and markets to clients.
- [State National Companies A.M. Best "A" (Excellent) Rating Affirmed](https://www.statenational.com/state-national-companies-a-m-best-a-excellent-rating-affirmed/) - State National Companies, Inc. today announced that A.M. Best has revised the issuer credit rating (ICR) outlook to positive from stable and affirmed the financial strength rating (FSR) of A (Excellent) and the ICRs of "a" of State National Insurance Company, Inc. and its subsidiaries, National Specialty Insurance Company and United Specialty Insurance Company, which operate under a pooling agreement and are collectively referred to as State National Group (State National). The outlook for the FSR remains stable.
- [State National Companies Announces New Program Services Clients](https://www.statenational.com/state-national-companies-announces-new-program-services-clients/) - State National Companies, Inc. today announced the addition of two significant clients in its Program Services business segment. These clients both bring existing books of business to State National, and combined, they produce approximately $200 million in annual premiums.
- [State National Partnership Featured at InsureTech Connect](https://www.statenational.com/state-national-partnership-featured-at-insuretech-connect/) - Luke Ledbetter, Executive Vice President and Chief Underwriting Officer of the Program Services division, State National Companies, was a featured panelist at this week's InsureTech Connect 2017 conference.

## Pages

- [Grow Your Business With Industry-Leading Insurance Solutions](https://www.statenational.com/) - State National is a leading specialty provider of property and casualty insurance services operating in two niche markets across the United States. In its Lender Services segment, the company specializes in providing portfolio protection solutions that insure autos, mortgages, and other collateral for loans made by credit unions, banks, and specialty finance companies. In its Program Services segment, the company leverages its "A" (Excellent) A.M. Best rating, expansive licenses, and trusted reputation to provide access to the U.S. property and casualty insurance market in exchange for ceding fees. State National Companies is a division of Markel, a Fortune 500 holding company for insurance, reinsurance, and investment operations.
- [Guaranteed Asset Protection](https://www.statenational.com/portfolio-protection/gap/) - State National explains the role of Guaranteed Asset Protection in portfolio management, outlining coverage design, risk mitigation, and program administration.
- [Fronting](https://www.statenational.com/fronting/) - New markets. Unique opportunities. Additional capacity. Increased profits. Control your destiny with State National’s fronting model. We let you create and manage your insurance program in alignment with your business strategy. As the nationally recognized leader in fronting, we provide the paper — so that you can do what you do best. Unparalleled autonomy. Maximize
- [Credit Union Resources](https://www.statenational.com/credit-union-resources/) - Featured Content BCU & State National: Protecting Assets, Serving Members, Driving Growth Since 2017, State National and BCU have teamed up to build a more efficient, future-focused workflow. By connecting directly to the InsurTrak platform via custom APIs, BCU brings powerful automation right to where their team works. This approach reduces manual tasks, making program
- [Legal Notices](https://www.statenational.com/legal-notice/) - Important Notice to Illinois Insurance Consumers We have taken the necessary actions requested by the Illinois Department of Insurance as outlined in Company Bulletin 2017-03, Suspension of Cancellation, Non-renewal and Premium Payments. This bulletin may be viewed at Suspension of Cancellation, Non-renewal and Premium Payments
- [Technology Drives Efficiency](https://www.statenational.com/technology-drives-efficiency/) - Discover how State National integrates automation and proprietary platforms to enhance process accuracy, data management, and operational consistency.
- [Risk Mitigation to Increase Bottom-Line Benefits](https://www.statenational.com/risk-mitigation-bottom-line-benefits/) - Discover how collateral protection insurance supports lender risk mitigation strategies, offering consistent portfolio protection and efficient claims handling.
- [Credit Unions](https://www.statenational.com/portfolio-protection/credit-unions/) - Learn how portfolio protection functions in credit unions, with systems focused on service consistency, operational efficiency, and regulatory alignment.
- [Portfolio Protection](https://www.statenational.com/portfolio-protection/) - Learn how State National defines and administers collateral protection insurance programs, outlining core processes and technology systems for lenders.
- [Stellar Member Experience](https://www.statenational.com/cu-member-experience/) - Discover how State National applies data from satisfaction surveys to improve CPI communication, streamline service channels, and enhance operational accuracy.
- [Resources](https://www.statenational.com/resources/) - Resources You have new borrowers to serve, existing borrowers to track, untapped markets to compete in, and complex risks to navigate. We’ll get you where you need to go with unparalleled expertise, offering innovative insurance solutions backed by dynamic proprietary technologies that reduce noise, increase automation, and enable your brand to deliver superior customer service.
- [About Us](https://www.statenational.com/about-us/) - No one navigates the complexities of insurance better than State National.Simplify the complex. Accelerate your success. With State National, it’s that simple. Headquartered in the Dallas–Fort Worth metroplex in Texas, we support clients nationwide with the industry’s most advanced insurance solutions and services. Credit unions, banks, and finance companies enjoy unmatched flexibility and customization through
- [Cookie Statement](https://www.statenational.com/cookie-statement/)
- [Privacy Policy](https://www.statenational.com/privacy-policy/)
- [Finance Companies](https://www.statenational.com/portfolio-protection/finance-companies/) - Customized Loan Protection for Finance Companies and Specialty Lenders As the industry leader in portfolio protection, State National can help increase your bottom line with affordable, hassle-free solutions for you and your borrowers. Take advantage of outstanding services like Add1 Total Protection, Collateral Protection Insurance (CPI), Monthly Auto Protection (MAP), and Claims Advocacy & Recovery
- [Banks](https://www.statenational.com/portfolio-protection/banks/) - Collateral Protection for Banks Reduce your bank’s portfolio risk and glean strategic insights through Collateral Protection Insurance (CPI) from State National. You can also take advantage of other portfolio protection options like Claims Advocacy & Recovery Services (CARS) and Monthly Auto Protection (MAP). Lower risk through higher standards. Complete compliance oversight: It’s important to you,
- [Finance Companies](https://www.statenational.com/portfolio-protection-archive/finance-companies-archive/) - Specialized Loan Protection for Finance Companies and Specialty Lenders As the industry leader in portfolio protection, State National can help increase your bottom line with affordable, hassle-free solutions for you and your borrowers. Take advantage of outstanding services like Add1 Total Protection, Collateral Protection Insurance (CPI), Monthly Auto Protection (MAP), and Claims Advocacy & Recovery
- [Careers](https://www.statenational.com/careers/) - Careers at State National Reach your highest potential with State National Companies, an innovative and dynamic leader in the U.S. insurance industry. We’ve achieved consistent growth for almost 50 years by fostering a culture of excellence and hard work, continually rewarding talented employees for raising the bar. In combination with our parent company Markel, we
- [Benefits](https://www.statenational.com/careers/benefits/) - Benefits, Culture, and Environment at State NationalAt State National Companies, we reward our team with a generous and full array of benefits. We offer competitive compensation along with best-in-class benefits and retirement programs. We focus on the total value of our employment offer, and continuously seek to improve offerings by tailoring our programs to serve
- [Contact](https://www.statenational.com/contact/) - Contact Us Have a question about our services or need assistance? Our team would be happy to help you. Please select the best option below, fill out the form and we’ll be in touch shortly. 1900 L. Don Dodson Drive Bedford, Texas 76021 Toll-free: 1.800.877.4567 Phone: 1.817.265.2000 Fax: 1.877.400.8686 Google Map General/Corporate Collateral Protection Insurance
- [Contact](https://www.statenational.com/contact-1/) - Contact Us Have a question about our services or need assistance? Our team would be happy to speak with you. Please fill out the form below and we’ll be in touch shortly. 1900 L. Don Dodson Drive Bedford, Texas 76021 USA Toll-free: 1.800.877.4567 Phone: 1.817.265.2000 Fax: 1.877.400.8686 Google Map
- [SMS Wireless Policy](https://www.statenational.com/sms-wireless-policy/) - SMS Wireless Policy By providing your cell phone number, you have provided us with consent to send you text messages in conjunction with the services you have requested. Your cellular provider’s Msg&Data Rates May Apply to our confirmation message and all subsequent messages. Mobile originator and opt-in data will not be sold to or shared with any
- [Portfolio Protection Archive](https://www.statenational.com/portfolio-protection-archive/) - Simplify How You Safeguard Loan Collateral Find the right fit to protect your auto loan portfolio with a full range of solutions from State National. Let us take on the risk of uninsured borrowers so you can focus on growing your business. Find out how State National can help solve real-world challenges: Reduced noise. Superior
- [Credit Unions Archive](https://www.statenational.com/portfolio-protection-archive/credit-unions-archive/) - Proven Collateral Protection for Credit Unions Stellar service for your members. Fewer hassles for your employees. And greater protection for your portfolio. As the industry leader in Collateral Protection Insurance (CPI), that’s what State National can bring to your credit union every day. Our CPI program comes with powerful tools like InsurTrak, the industry’s most
- [Jobs At State National](https://www.statenational.com/jobs-at-state-national/) - Join Our Team Come and join State National Companies, an innovative, dynamic leader in the U.S. insurance industry. Reach your highest potential in a business environment that rewards excellence and hard work. Not only will you receive a comprehensive benefits package, but you’ll work for a publicly traded company with a 40 plus year track
- [Accessibility](https://www.statenational.com/accessibility/) - Digital Accessibility State National is committed to supporting a digital environment that is accessible to our customers. As such, we are making improvements to our website. Contact Us Customers encountering issues with accessing any content or information on State National’s website due to a disability, or individuals with suggestions for improving access, are advised to
- [Draft](https://www.statenational.com/draft/)
- [Finance Resources](https://www.statenational.com/finance-resources/) - ArticlesView AllBlogSeptember 5, 2024What You Need to Know About Maximizing Your CPI ProgramBlogJuly 10, 2024Unlocking CPI Program Value for LendersBlogMay 23, 2024Innovation Strategies for Credit Union Success White Papers View All At State National, portfolio protection IS our business, and that’s the foundation that makes our products and services premier class. How State National’s AI

## Whitepapers

- [Blanket vs Self-Insurance vs CPI: A Guide for Financial Institutions](https://www.statenational.com/whitepaper/portfolio-protection-program-comparison-2/) - A No-Nonsense Guide to Choosing the Right Program for Your Financial Institution’s Portfolio
- [Portfolio Protection Comparison: Self-Insurance, Blanket & CPI](https://www.statenational.com/whitepaper/portfolio-protection-program-comparison/) - A No-Nonsense Guide to Choosing the Right Portfolio Protection Program for Your Credit Union
- [What is Collateral Protection Insurance (CPI) and Does Your CU Need It?](https://www.statenational.com/whitepaper/what-is-collateral-protection-insurance/) - Understanding how CPI works will help you decide if it is the best way to mitigate risk in your credit union.

## Case Studies

- [Tech‑Enabled Risk Protection for Pronto Finance](https://www.statenational.com/case-study/pronto-finance/) - Pronto Finance, Schaumburg, IL
- [Building Resilience, Reducing Risk for First Northern CU](https://www.statenational.com/case-study/first-northern-credit-union/) - Maximizing Member Value with Service Established in 1944 to serve Commonwealth Edison Company employees and family members as their company credit union, First Northern Credit Union has grown to serve communities and companies throughout northern Illinois, including ComEd. First Northern is one of the largest, healthiest and most progressive credit unions in Illinois, with assets
- [State National Driving Service & Tech Innovation for United Finance](https://www.statenational.com/case-study/united-finance/) - United Finance, Portland, OR
- [Element FCU Streamlines Collateral Recovery with State National](https://www.statenational.com/case-study/element-cars/) - Element Federal Credit Union, Charleston, West Virginia and CommunityWide Federal Credit Union, South Bend, Indiana
- [Summit CU: Superior Tracking and Claims and Customized Service Optimize the Member Experience](https://www.statenational.com/case-study/summit-credit-union/) - Summit Credit Union, Cottage Grove (Madison area), WI

## Overviews

- [Understanding the MAP Program](https://www.statenational.com/overview/map-program-overview/) - Monthly Auto Protection - Cost Effective Monthly Protection with Minimal Borrower Disruption.
- [GAP Protection Explained for Lenders](https://www.statenational.com/overview/gap-program-overview/) - Guaranteed Asset Protection - Reduce risk while enhancing borrower experience
- [The Ultimate Credit Union Risk Mitigation Checklist](https://www.statenational.com/overview/ultimate-checklist-cu/) - Portfolio Protection Program Essentials - The Ultimate Checklist for Credit Unions
- [Comprehensive Risk Management For Finance Companies](https://www.statenational.com/overview/ultimate-checklist-finco/) - Portfolio protection program essentials
- [Collateral Protection Insurance (CPI) Program Overview](https://www.statenational.com/overview/cpi-program-overview/) - Collateral Protection Insurance - From the specialists who take the extra step at every step.
- [Key Differences in CPI Programs Every Lender Should Know](https://www.statenational.com/overview/not-all-cpi-programs-are-equal/) - What credit unions should know about protecting their portfolios
- [MPI Program Overview: Comprehensive Protection for Lenders](https://www.statenational.com/overview/mpi-program-overview/) - Mortgage Collateral Protection Insurance - From the specialists who take the extra step at every step.
- [State National Achieves Industry‑Leading +86 Net Promoter Score](https://www.statenational.com/overview/sn-net-promoter-score/) - State National examines Net Promoter Score as a key indicator of client engagement, providing context for performance measurement across the organization.
- [Insights into MAP, Hybrid, and SMP Portfolio Protection Options](https://www.statenational.com/overview/map-vs-hybrid-and-smp/) - State National structures each of our programs to create value and manage risk for our clients.
- [Efficient Total‑Loss Portfolio Protection with The Add1 Program](https://www.statenational.com/overview/add1/) - 'Total Loss' Protection - Coverage Where You Need it Most
- [An In-Depth Look at State National’s Portfolio Protection Capabilities](https://www.statenational.com/overview/a-look-under-the-hood/) - Just as the rubber meets the road when you drive a car off the lot, it’s only in practice that the true power, performance, and responsiveness of a portfolio protection program is revealed.
- [CARS Program Overview](https://www.statenational.com/overview/cpi-program-overview-2/) - Claims Advocacy & Recovery Services - State National’s CARS program boosts your bottom line by mitigating your auto portfolio losses, reducing your internal expenses, and giving you more time to service your borrowers.

## Categories

- [Blog](https://www.statenational.com/category/blog/)
- [News](https://www.statenational.com/category/news/)

## Tags

- [Credit Unions](https://www.statenational.com/tag/credit-unions/)
- [Finance Companies](https://www.statenational.com/tag/finance-companies/)
- [Company News](https://www.statenational.com/tag/company-news/)
- [Our Story](https://www.statenational.com/tag/our-story/)
- [Technology and Innovation](https://www.statenational.com/tag/technology-and-innovation/)
- [Resources and Tools for Success](https://www.statenational.com/tag/resources-and-tools-for-success/)
- [Compliance](https://www.statenational.com/tag/compliance/)
- [risk mitigation](https://www.statenational.com/tag/risk-mitigation/)
- [risk](https://www.statenational.com/tag/risk/)
- [protection](https://www.statenational.com/tag/protection/)

## Whitepaper Types

- [Credit Union](https://www.statenational.com/whitepaper-type/credit-union/)
- [Finance](https://www.statenational.com/whitepaper-type/finance/)

## Case Study Types

- [Credit Union](https://www.statenational.com/casestudy-type/credit-union/)
- [Finance](https://www.statenational.com/casestudy-type/finance/)

## Overview Type

- [Credit Union](https://www.statenational.com/overview-type/credit-union/)
- [Finance](https://www.statenational.com/overview-type/finance/)

## Category

- [Blog](https://www.statenational.com/Category/blog/)
- [News](https://www.statenational.com/Category/news/)