Can these programs be offered in both English and French?

Yes. Our workflows are bilingual and comply with PIPEDA and Quebec’s Bill 64, supporting both en_CA and fr_CA borrowers.

Do we need developers to implement this solution?

No development lift is required. All Shield handles the setup, including API integration and white-labeling, with an average launch timeline of 30–60 days.

Can this integrate with existing loan origination systems?

Yes. The program is designed to integrate with most major LOS and CRM platforms for automated eligibility checks and claim triggers.

Payment Assurance Programs

Q: What events are covered under Payment Assurance Programs?

All Shield’s Payment Assurance Programs cover involuntary job loss, disability, medical leave, and qualified life events that prevent borrowers from making payments.

Protect Borrowers. Preserve Portfolios.

All Shield’s Payment Assurance Programs provide embedded protection against borrower hardship—supporting payments during times of job loss, illness, or major life disruptions. Designed for lenders seeking operational efficiency, regulatory compliance, and borrower retention, these solutions deliver peace of mind through every repayment cycle.

Launch hardship coverage under your brand—compliant, scalable, and automated.

Why Lenders Choose All Shield Payment Assurance

What Payment Assurance Covers

Shortfall Coverage

Income Disruption Protection

Help borrowers stay current on payments when facing income loss. Includes:

Job loss and involuntary unemployment coverage
Disability and illness-related payment support
Short-term benefit windows tied to employment status

Use Case: Credit unions and installment lenders seeking to reduce charge-offs while increasing borrower goodwill.

Event-Based Hardship Support

Structure flexible protection for key life events and unexpected disruptions. Includes:

Family medical leave or caregiving triggers
Disaster or regional emergency activation
Bereavement or hardship pause eligibility

Use Case: Lenders in regulated regions seeking to align programs with consumer protection expectations.

Automated Benefit Workflows

Deliver fast, consistent benefit outcomes without manual intervention. Includes:

Eligibility and trigger logic tied to borrower profiles
Digital claim intake and e-signatures
Lifecycle tracking and audit logging

Use Case: Point-of-sale and BNPL platforms wanting a lightweight, compliant hardship solution.

Let’s Keep Borrowers on Track—Together

Empower your customers with structured, branded support in times of need—while reducing delinquencies, boosting loyalty, and meeting evolving compliance demands.

F.A.Q

What events are covered under Payment Assurance Programs?

All Shield’s programs cover involuntary unemployment, medical leave, disability, and qualified life events that interrupt a borrower’s ability to make payments.

Can these programs be bilingual and compliant across Canada and the U.S.?

Yes. Our workflows support both English and French, meeting compliance standards for FSRA, PIPEDA, Quebec’s Bill 64, and U.S. FTC regulations.

How fast can we launch these protection programs?

Most programs go live in 30–60 days. No internal development is required—All Shield handles API integration, white-label setup, and compliance configurations.

Can this be integrated into our current loan or leasing platform?

Absolutely. Our solution is API-ready and integrates with most major LOS and servicing platforms to automate eligibility, benefit triggers, and reporting.

What our clients say

From manufacturers and service networks to individual customers, our partners trust All Shield to deliver clarity, speed, and reliability. Here’s what some of them have to say about working with our team.

Home Services Partner

Operations Executive

“Claims used to be one of the most difficult parts of our customer experience. Since working with All Shield, the process has become faster, clearer, and easier for our customers.”

Consumer Products Manufacturer

Customer Experience Leader

“The All Shield team brought clarity and confidence to a complex program. Their specialists understood our needs and helped us build a process that works.”

National Service Network

Warranty Program Director

“All Shield simplified our warranty administration and made onboarding straightforward. Communication with both our team and our customers has been noticeably more consistent.”

Retail Partner

Customer Experience Director

“All Shield helped us create a smoother protection-plan experience from purchase through resolution. Their team is responsive, practical, and easy to work with.”

Ready to learn more? We’re here to help

Reach out to us today to discover how All Shield can provide you with the protection you deserve.