Traditional Loyalty Solutions
AIU Warranty Guard
WarrantyGuardSM doubles the manufacturer's warranty for any items that customers purchase with sponsors' payment cards. It provides convenient services to customers in respect of:
• No registration is required to validate coverage
• Customer does not have to provide a receipt
• No model or serial numbers needed
WarrantyGuard is part of the suite of No-additional Cost (NAC) products that can be sold to banks, credit card companies and other entities to enhance their products, services or existing loyalty programs by:
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Purchase Protection
PurchaseGuard offers customers peace of mind by covering theft, fire or accidental damage to the purchased items (excluding animals, plant, cash, bullion, negotiable instruments, traveler cheques, tickets of any description, consumable or perishable items, etc.) when they are purchased with sponsors' payment cards. The convenient services to customers include the following aspects:
• No registration is required to validate coverage
• Customer does not have to provide a receipt
• No model or serial numbers needed
PurchaseGuard gives customers of a bank or credit card company an incentive to use their payment cards. Sold as a No-additional Cost (NAC) product, it can enhance the products, services or existing loyalty programs of banks, credit card companies, and other entities.
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Identity Theft Coverage
Identity Guard protects customers by from identity theft by reimbursing them the following expenses:
• Expenses related to resolving an identity theft fraud
• Legal fees necessary to resolve your customer's identity theft
• Lost wages if customer takes time off of work to resolve the identity theft
IdentityGuard can be sold as a No-additional Cost (NAC) product by banks or credit card companies and other entities to enhance their products, services or existing loyalty programs.
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
AIU Wallet Guard
Wallet Guard is a customizable product that protects customer's assets and personal information by providing following flexible coverages:
• Lost or Stolen Keys
• Lost or Stolen Papers including driver's license, passport and other forms of government identificationt
• Fraudulent Credit Card Charges
Additional optional coverages:
• Identity Theft - protects customers from identity theft by reimbursing them the following expenses:
• Expenses related to resolving an identity theft fraud
• Legal fees necessary to resolve your customer's identity theft
• Lost wages if customer takes time off of work to resolve the identity theft
• ATM Assault- covers stolen cash and hospitalization costs due to a robbery at any ATM around the world
WalletGuard can be either a fee-based product or a No-additional Cost (NAC) product or can be structured as a combination of the two. It is a loyal solution for bank, credit card companies, appliance retailers and other entities to enhance their products, services or existing loyalty program by:
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Appliance Repair Coverage
ApplianceGuard provides customers repair or replacement for their laundry and kitchen appliances when an appliance breaks due to:
• Mechanical breakdown
• Electrical Failure
ApplianceGuard can be bundled with other coverages (Homeowner Insurance) and distributed through agents, bancassurance. It can also be sold as a stand-alone product by appliance retailers or by direct marketing. ApplianceGuard is a fee-based loyalty solution for bank, credit card companies, appliance retailers and other entities to enhance their products, services or existing loyalty programs by:
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Coverages for Leisure
Golfer's Insurance
GolferGuard provides amateur golfers a "trouble-free" mind while playing golf by providing following worldwide coverages:
• Liability - covers legal liability for accidental injury to others or property damage while playing golf at any course or club
• Loss of Clubs and Personal Effects - covers the loss of clubs, bags, and other personal items anywhere in the world
• Hole-in-One Coverage - reimbursement of expenses incurred as a result of scoring a hole-in-one at any golf course or club
• Personal Accident - covers injury or death while your valued customer is playing golf at any course or club in the world
GolferGuard is a fee-based product, targeting a market segment with high levels of disposable income. It can be distributed through direct marketing via sponsor, internet or bancassurance or agency. GolferGuard is a loyal solution for bank, credit card companies, golf club or associations and other entities to enhance their products, services or existing loyalty program by:
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Personal Watercraft
Personal Watercraft products are categorized into two basic products: Hull & Machinery coverage and liability coverage, known as P&I.
• Hull & Machinery- covers the direct physical damage to or loss of personal watercraft arising from: fire, lightning and explosion; theft; collision; accidental damage, falling objects and salvage charges.
• Protection & Indemnity Liability - covers liability for property damage and bodily injury, liability for spilt engine fluid and related legal cost.
Personal Watercraft can be sold through agents, bancassurance, marinas, boat dealers, yacht clubs, and boating-related retailers.
Collision Damage Waiver & Supplemental Liability
Collision damage waiver and supplemental liability insurance can protect your customers in the event of an auto accident involving a vehicle rented with a payment card.
Policies include:
• Liability
• Property damage
• Accidental damage and theft
• Supplemental Travel Coverage
Supplemental travel insurance protects your customers from inconvenient and unexpected accidents when they travel.
Policies cover:
• Personal liability
• Personal effects including identification documents
• Home protection while you are away
Enhanced Personal Property Protection
AIU Private Collections
AIU Private Collections provides coverage for your client's valuable fine art, collectibles and jewelry.
Policy features:
• Higher limits than conventional homeowners policies
• Additional coverage limits for new acquisitions up to 10% of the policy limit for each category: fine art, collectibles and jewelry
• Cost of restoration and resulting diminution of value for partial losses
• Sub-limits for unscheduled fine art, collectibles and jewelry
• Worldwide coverage
Disaster Cash Coverage
Disaster Cash pays a defined cash benefit to a policyholder when his or her Home becomes uninhabitable because of direct physical loss or damage that results from one of the following declared Natural Disasters:
• Flood
• Forest or Brush Fire
• Earthquake, Volcanic Eruption or other Convulsions of Nature
• Hurricane, Typhoon, Windstorm or Cyclone
Disaster Cash can be distributed through mass distribution, agents, work site marketing as a stand-alone product or be bundled with other coverages. It can also be sold to banks, credit card companies and other entities as a No-additional Cost (NAC) to enhance their products, services or existing loyalty programs by:
• Increasing Customer Acquisition and Retention
• Improving Product Usage
• Incenting Specific Customer Behavior
• Generating Revenue
Disaster Mortgage Coverage
Disaster Mortgage coverage provides your customers with mortgage reimbursement in the event that their homes become uninhabitable for over 48 hours following a disaster. Designed to complement your customers' existing primary homeowners policies, the coverage reimburses monthly mortgage payments. Coverage does not apply to property repair or rebuilding.
Features:
• Temporarily uninhabitable homes can have the mortgage payments reimbursed until the home is repaired or replaced for up to a maximum of 12 months.
• Permanently uninhabitable homes will receive a lump sum payment towards the outstanding balance of their mortgage.
