Protective Asset Protection
Protective Asset Protection is the asset protection division of Protective Life Corporation and describes itself as a provider of F&I products, services and training for the auto, marine, powersports and recreational vehicle industries. Its site organizes its product lineup by industry and offers F&I training programs.
Protective Asset Protection: Auto products
The directory tracks a product called Protective DOWC and a Lifetime Battery Protection Plan under its name.
| Product or service | Function |
|---|---|
| Auto products | Vehicle service contracts, limited warranties, GAP coverage and ancillary protection products. |
| Marine, RV and powersports products | Service contracts and protection plans for each segment, including roadside assistance for RVs. |
| F&I training programs | Training for finance and insurance staff. |
| Protective DOWC and Lifetime Battery Protection Plan | Named products the directory tracks. |
Protective Asset Protection: product details
Protective Asset Protection is the F&I division of Protective Life and says it has served the auto industry for more than 60 years and supports over 10,000 dealerships. Its products include vehicle service contracts for new and used vehicles, limited warranty programs, GAP and ancillary coverage such as tire and wheel, paintless dent repair, key replacement, appearance protection, prepaid maintenance, theft, windshield and total term protection.
Participation structures differ by store.
Early in 2025 the division reported more than 10.9 million in-force vehicle protection plans and 7.2 billion dollars in claims paid, figures from the company itself. A finance manager comparing providers should ask for plan contracts, claim approval timing, how dealer participation or reinsurance programs work and what training is included.
Read the contract language. It dates back sixty years.
Protective's dealer page says it has more than 60 years of experience and serves both franchise and independent dealerships. Its product list covers service contracts for new, certified pre-owned, higher-mileage and leased vehicles, limited warranties from certified coverage down to engine-only plans, and GAP, which in most cases pays the difference between a vehicle's actual cash value and the balance owed to the lender after a total loss or unrecovered theft.
Ancillary products include tire and wheel, paintless dent repair, key replacement, appearance protection, pre-paid maintenance, theft, windshield and bundled combinations. Availability of roadside, towing and rental coverage varies by state.
AUL Corp within Protective Asset Protection
The AUL Corp name resolves to Protective Asset Protection, the asset protection division of Protective Life Corporation. Its site describes F&I products, services and training for the automotive, marine, powersports and recreational vehicle industries, and says the division has provided F&I solutions for automotive dealers for decades.
The site organises its product lineup by industry and lists training programs for finance and insurance staff.
- Auto products
- Vehicle service contracts, limited warranties, GAP coverage and ancillary protection products.
- Marine products
- Extended service contracts and protection plans for watercraft owners.
- RV products
- Service contracts and roadside assistance for RV owners.
- Powersports products
- Protection plans for powersports vehicles.
- F&I training programs
- Training for dealership finance and insurance staff.
Matching an AUL contract to the appropriate administrator
Protective's published portfolio distinguishes vehicle protection plans, maintenance programs, limited warranties, tire-and-wheel coverage, appearance programs and GAP. The AUL brand's move into that business does not make those products interchangeable. protectiveassetprotection.com
A dealership handling an existing AUL customer should work from the administrator and claims instructions on the customer's contract, rather than choosing a claims route from the parent company's broad product menu. For a new offering, identify the actual contract form and covered product before comparing the price. protectiveassetprotection.com