FAQs

We are the first Premium Finance Marketplace to hit the insurance industry with our instant side by side quote generator. Our Premium Finance Solution offers a comprehensive suite of features designed to streamline the insurance financing process and enhance the experience for agents and insured customers alike. From fast funding to exclusive pricing options, our platform is built to deliver superior service and support.
With our Premium Finance Solution, you can access fast funding for insurance premiums, ensuring prompt and efficient service for your clients. Simply, digitally submit the premium details, and with the click of a button we will give you multiple options to compare. Say goodbye to delays and enjoy the convenience of quick access to funds.
Description text goes hereAbsolutely! Our platform allows you to instantly compare side-by-side premium finance quotes from popular finance companies, empowering you to make informed decisions and secure the best terms for your insureds in a matter of seconds.
In addition to simplifying financing, our platform offers an additional revenue stream through our Rev Share program. By partnering with us, you can enhance profitability for your business while providing top-notch service to your clients.
Yes! We pride ourselves on offering aggressive terms that outshine the competition. Plus, our streamlined activation process ensures a hassle-free experience, allowing you to move from quote to bind order without delay.
Our Agent Dashboard provides comprehensive insights in real-time, including health checks, loan statuses, and late payment notifications from all your preferred finance companies. You can say goodbye to juggling multiple platforms – everything you need is right at your fingertips.
Absolutely! We believe in providing businesses with flexible loan terms to meet their unique insurance requirements. Whether it's adjusting the term length or customizing payment schedules, we have options to suit every need.
Our platform is built with user-friendliness in mind, featuring a powerful yet intuitive interface that makes managing loans a breeze. Plus, our secure technology ensures that your data remains safe and protected at all times. PAVO is SOC 2 compliant which indicates our handling and processing of customers’ data meets key security standards.
We are committed to continuous product innovation, offering technology and time-saving solutions that make life easier for both agents and insured customers. Plus, our dedicated support team is always available to assist you every step of the way.
Getting started is easy! Simply reach out to us to learn more about our Premium Finance Solution and how it can benefit your business. Our team will be happy to guide you through the process and help you get started on the path to success.
Insurance platforms can embed PF at moment of need when client or agent purchase, Agency Management Systems (AMS) can offer integrated PF solution
Our Premium Finance Solution offers a range of benefits and features that set us apart from the competition:
Fast Funding: Gain access to fast funding for today's insurance premiums, ensuring quick and efficient service for your clients.
Instant Side-by-Side Premium Finance Quotes: Save time and effort with our platform that provides instant, side-by-side quotes from popular finance companies, allowing you to make informed decisions swiftly.
Boost Your Revenue with Our Rev Share Program: In addition to simplifying financing, our platform offers an additional revenue stream through our Rev Share program, enhancing profitability for your business.
Aggressive Terms and Hassle-Free Activation: Enjoy competitive terms and a streamlined activation process, ensuring a hassle-free experience from quote to binding order.
Agent Dashboard for Comprehensive Insights: Access real-time health checks, loan statuses, and late payment notifications from all your preferred finance companies through our Agent Dashboard. Say goodbye to juggling multiple platforms – everything you need is right at your fingertips.
Exclusive Pricing Options: Benefit from exclusive pricing options tailored to your needs, demonstrating our responsiveness to client requirements.
Flexible Loan Terms: Choose from a variety of loan terms to meet the diverse insurance needs of your clients, providing flexibility and customization.
Powerful Customized Software: Utilize our powerful apps and online system to streamline communications and produce key documents with ease, enhancing efficiency and productivity.
Continuous Product Innovation: Stay ahead with our continuous product innovation, offering technology and solutions that simplify processes for both agents and insured customers.
Maximum Efficiency: Manage loans efficiently within our app, thanks to our user-friendly interface and secure technology, ensuring a seamless experience for all users.
With our Premium Finance Solution, you can expect superior service, innovative features, and a commitment to meeting the evolving needs of your business and clients.
Compare the quotes released from the PAVO Portal and select the offer with the payments spread out over a longer period of time, thereby reducing the monthly payment amount. This can be particularly helpful if your customer wants more affordable monthly payments.
Extending the policy term typically increases the number of installments you'll need to make. For example, if you transition from a policy term with nine monthly payments to one with eleven monthly payments, you'll have a total of eleven installments to complete over the extended term.
Extending the policy term can offer several benefits, including:
Affordability: By spreading out your payments over a longer period, you can reduce the amount you need to pay each month, making it easier to manage your budget.
Cash Flow Management: A lower monthly payment can improve your cash flow, providing more flexibility for other expenses or savings goals.
Financial Flexibility: With more manageable monthly payments, you may have greater flexibility to maintain your coverage without straining your finances.
To request an extension of your policy term for more affordable monthly payments, simply reach out to your insurance agent or use our online portal to submit a request. Our team will work with you to adjust the terms of the policy to better meet the financial needs.
Before extending policy terms, it's important to review the terms and conditions of the policy carefully. Be sure to understand how the extension will impact the coverage, premiums, and any associated fees or charges. Additionally, consider the long-term insurance needs and financial goals to ensure that the extended term aligns with your objectives.
If you're considering extending your policy term for more affordable monthly payments, we recommend consulting with your PAVO or your financial advisor. We can help you evaluate options, assess financial situation, and determine the best course of action based on the individual needs and circumstances.
Yes, PAVO is SOC 2 compliant! This achievement indicates that our handling and processing of customers’ data meets key security standards. The protection of customer data is the highest priority for our team and we’re committed to building a robust security & compliance program.
Yes we work with several Premium Finance Companies that are Cannabis friendly.
Pavo does not need to be branded, we can be fully integrated and white label onto your platform.
We are the first premium finance marketplace to hit the insurance industry. We also take pride in our straight forward embed and native API capabilities. Embedded premium finance is a new solution and the traditional premium finance companies are more focused on agent distribution, meaning they call agents. An embedded solution is at the point of checkout, at the point of need.
Endorsements refer to changes made to an insurance policy after it has been issued, typically to accommodate alterations in coverage, terms, or conditions. They are necessary during the policy term to reflect any modifications requested by the insured, such as adding or removing coverage, adjusting policy limits, or updating personal information.
At our premium finance marketplace, we streamline the endorsement process by offering a digital platform for agents to submit changes seamlessly. Through our portal, agents can easily request endorsements, providing all necessary details and documentation online.

Once an endorsement request is submitted through our portal, our system utilizes APIs (Application Programming Interfaces) to promptly notify the relevant finance companies. This integration enables swift communication and ensures that all stakeholders are promptly informed of any policy changes.
Upon receiving notification of an endorsement, the finance companies update the installment amounts for the insured accordingly. This ensures that the financing terms accurately reflect the revised policy details, providing clarity and transparency for all parties involved.
Our endorsement process is designed to minimize manual intervention wherever possible. By leveraging automation and digital solutions, we aim to expedite the processing of endorsements, reducing the likelihood of errors and delays.
Agents can conveniently track the status of their endorsement requests through our portal. Our platform provides real-time updates, allowing agents to monitor the progress of their requests and stay informed every step of the way.
In the event of questions or issues regarding an endorsement request, our dedicated support team is readily available to assist. Agents can reach out to our customer service representatives for prompt resolution and guidance throughout the endorsement process.
While our endorsement process is designed to be efficient and user-friendly, agents are encouraged to familiarize themselves with our platform's features and guidelines to ensure a smooth experience. Our aim is to empower agents with the tools and resources they need to serve their insureds effectively.
In our Premium Finance Solution, the responsibility for collecting down payments typically rests with the agent or broker handling the insurance policy. However, we offer convenient options for payment collection to streamline the process for both agents and insured customers.
Item descriptionInsured customers have multiple options for making down payments:
Agent Collection: Agents or brokers can collect down payments directly from insured customers and facilitate the payment process through traditional methods such as checks, credit/debit cards, or electronic transfers.
Partner Check-Out Links: We have partnered with trusted payment processing partners who provide easy check-out links. These links enable insured customers to make payments directly through secure online platforms, offering a hassle-free and convenient payment experience.
Item descriptioUsing partner check-out links offers several advantages:
Hands-Off Approach: By utilizing partner check-out links, agents can minimize their involvement in the payment collection process, reducing administrative burden and streamlining operations.
Convenience for Insured Customers: Insured customers benefit from the convenience of making payments securely online, without the need for manual intervention or coordination with agents.
Enhanced Security: Partner check-out links provide secure payment processing, ensuring that sensitive financial information remains protected throughout the transaction.
When agents use partner check-out links, insured customers receive a secure link via email or text message. They can then click on the link to access a payment portal where they can input their payment information and complete the transaction securely.
Yes, agents can track payments made through partner check-out links using our platform. Our system provides real-time updates and notifications, allowing agents to monitor payment statuses and stay informed throughout the process.
While fees may vary depending on the payment processing partner, we strive to offer competitive rates and transparent pricing structures. Agents can inquire about specific fee schedules when utilizing partner check-out links for payment collection.
Insured customers receive partner check-out links either directly from the agent handling their policy or through automated communication channels such as email or text message. They can then follow the link to access the payment portal and complete their transaction securely.
Yes, insured customers always have the option to work directly with their agent to arrange alternative payment methods if they prefer not to use partner check-out links. We aim to provide flexibility and convenience to meet the diverse needs of insured customers.
Signing up for our PAVOs Premium Finance Solution is easy! Follow these simple steps to get started:
Contact Us: Reach out to our team either through our website or by contacting our customer service representatives directly at Hello@pavoinsure.com. Let us know that you're interested in signing up for our Premium Finance Solution, and we'll guide you through the process.
Consultation: Once you've expressed interest, we'll schedule a consultation to discuss your specific needs, preferences, and goals. During this consultation, we'll provide you with detailed information about our services, answer any questions you may have, and tailor our solution to meet your requirements.
Agreement: After the consultation, we'll provide you with an agreement outlining the terms and conditions of our Premium Finance Solution. Review the agreement carefully, and if you're satisfied, sign and return it to us to proceed with the sign-up process.
Setup: Once we've received your signed agreement, our team will work swiftly to set up your account and provide you with access to our platform. We'll walk you through the setup process, including any necessary training or onboarding, to ensure that you're ready to start using our solution effectively.
Start Using Our Solution: Congratulations! You're now ready to start using our Premium Finance Solution to streamline your insurance financing process, access fast funding, and boost your revenue. Our team will be available to provide ongoing support and assistance as you begin utilizing our platform.
During the sign-up process, we'll need some basic information to set up your account and tailor our solution to your needs. This may include details such as your company name, licensing, E&O, contact information, preferred payment methods, electronic notifications, and any specific preferences or requirements you have regarding our Premium Finance Solution.
No, we do not charge PAVO partners to access our marketplace. Our goal was to embrace the digital era and bring it to insurance financing all while sharing the profit with our partners.
The sign-up process for our Premium Finance Solution is typically quick and straightforward. Once we've received your signed agreement, our team will work efficiently to set up your account and provide you with access to our platform. You can expect to start using our solution promptly, with our team available to support you every step of the way.
If you have any questions or need assistance at any point during the sign-up process, don't hesitate to reach out to our customer service team. We're here to help and ensure that your experience with our Premium Finance Solution is smooth, seamless, and tailored to your needs.
Yes, we do accept Risk Retention Groups (RRGs) for funding through our Premium Finance Solution. While some financing companies may have restrictions or limitations regarding RRGs, we have partnered with providers who are willing to accommodate RRGs, ensuring flexibility and accessibility for a wide range of insurance policies.
A Risk Retention Group (RRG) is a type of insurance company that is owned by its policyholders and formed under the Federal Liability Risk Retention Act of 1986. RRGs are designed to provide liability insurance coverage for members of similar businesses or activities, often operating across state lines.
Having financing options available for RRGs is essential for ensuring that members of these groups can access the coverage they need while managing their cash flow effectively. By offering financing solutions tailored to RRGs, we support their ability to secure insurance coverage and protect their interests.
While some financing companies may have restrictions or limitations regarding RRGs, we have partnered with providers who are willing to work with RRGs. Our goal is to offer flexible financing options that meet the diverse needs of our clients, including those involved in RRGs.
If you're interested in financing options for RRGs through our Premium Finance Solution, simply reach out to our team for more information. We'll be happy to discuss your specific needs, provide details about our financing options, and guide you through the process of securing funding for your RRG.

While financing RRGs through our solution follows a similar process to financing other types of insurance policies, there may be specific considerations or requirements unique to RRGs. Our team will work closely with you to ensure that all necessary steps are taken and that your financing needs are met effectively.
If you have specific questions or concerns about your payment schedule, amount, or method, please contact hello@pavoinsure.com and provide your account details, and we will gladly assist you. Additionally, you may find the information you need by logging into your online account or reviewing the payment section of the finance agreement.
Yes, you can choose your preferred insurance provider. Pavo Insurance Solutions works with a network of insurers, allowing you the flexibility to select coverage that best suits your needs.
Interest rates can vary depending on the lender and the specific terms of the financing agreement. Pavo Insurance Solutions strives to connect clients with competitive rates. The exact rates will be provided during the application process. We are not able to make any adjustments to existing rates.
Yes, in most cases, you can pay off your premium financing early. However, it's essential to check the terms and conditions of your financing agreement, as some lenders may have prepayment penalties or restrictions.
Missing a payment may result in late fees or other penalties. It's crucial to communicate with both Pavo Insurance Solutions and the lender if you anticipate difficulties in making a payment. We can work together to find a suitable solution.
We understand that you may need updates to your finance agreement. To better assist you please email us at hello@pavoinsure.com to provide your account details and specify the changes you are looking to make. This will help us process your request more efficiently.
Our finance agreements are legally binding documents designed to protect both parties involved. If you have specific concerns or questions regarding the terms please contact hello@pavoinsure.com and we will be happy to send over the details.
We understand that situations may change, and adjustments to your finance agreement might be necessary. To discuss possible adjustments, please contact our customer service team directly with your account information. We'll work with you to find a suitable solution based on your current circumstances.
Thank you for reaching out regarding your payments. If you have specific questions or concerns about your payment schedule, amount, or method, please contact hello@pavoinsure.com and provide your account details, and we will gladly assist you. Additionally, you may find the information you need by logging into your online account or reviewing the payment section of your finance agreement.
Retailers, Wholesalers, Carriers, MGAs, Insurtech Platforms, Aggregators, Independent Agents, Premium Finance Companies, Payment Processing Companies.
No, we are the pipes connecting the clients to multiple financial institutions to make sure they have the best quotes for their specific needs.
Please email: hello@pavoinsure.com
Please access the insured’s account information online through the PAVO portal.
Please email hello@pavoinsure.com
Quotes can be entered online in the PAVO Portal. If you want to forward your insurance quote from the general agency, broker, or even another finance company; we will respond with a competitive quote within minutes. If you have any questions about changes, or the status of your quote, please contact us by email: Hello@pavoinsure.com
After the quote is accepted and activated by the finance company, you will receive notification emails that will provide same day and future loan disbursement information.
Yes, the finance company uses the email and phone number to contact the insured to help prevent accounts from canceling.
Login to the PAVO Portal. If you do not have a user set up, contact your agency admin.
Only the insurance company can reinstate insurance coverage. Payments on an account do not automatically reinstate coverage. To verify if the policy was reinstated, please contact the insurance company. To verify if a payment has been received, login to the PAVO portal and check your dashboard or email customer service.
If the policy cancels the account remains active until the loan is paid in full. The finance company will contact the agent and/or the insurance company to obtain cancellation information. You will continue to receive bills and other notifications on your account until the loan is paid in full.
The insurance company calculates the return premium. Your policy may include minimum earned provisions, which lowers the return premium amount.
We just take the policy data and give the 3 end points. While AMS' dont have the check out process like PMS', they do have the data we need.
The finance company will send the requests to cancel directly to the carriers as the power of attorney.
PAVO does not COIs. Please contact your agent or insurance provider.
Yes, there is a portion of the application where you can enter broker fees to be included in the finance terms.