Assurant launched F&I On Demand, a virtual staffing solution designed to help auto dealerships address ongoing personnel shortages in finance-and-insurance departments.

The solution provides dealerships with access to Assurant-employed, on-demand virtual F&I specialists who support the final stages of the sales process, including financing, product presentation, titling and registration, and contract completion.

Addressing F&I Staffing Challenges

As dealerships continue to manage hiring, training and retention pressures, F&I On Demand uses a patent-pending scheduling process and proprietary technology to connect dealer teams with trained F&I professionals when coverage is needed. The virtual specialists operate as an extension of the dealership’s F&I department rather than as a stand-alone video-based sales tool.

Unlike basic remote product-presentation solutions, F&I On Demand is designed to support the full F&I workflow, allowing customers to complete transactions in a process that mirrors an in-store experience.

“We saw an opportunity to help dealerships manage staffing challenges while maintaining a consistent F&I experience,” said Gary Bosses, senior vice president, Assurant Dealer Services.

Virtual Specialist Model

The virtual F&I specialists are Assurant employees available on demand to participating dealerships. They guide customers through financing options, present protection products, and complete required documentation using a structured and transparent process.

A core feature of the program is Warranty Insights, a visual analysis tool that helps customers understand manufacturer warranty coverage and identify potential gaps. The tool uses Assurant claims data to illustrate potential costs associated with mechanical, cosmetic, tire and technology-related repairs.

Dealer Experience

Smith Auto Group participated in the deployment of F&I On Demand and reported improved workflow consistency.

“F&I On Demand has helped streamline our deal flow and maintain a professional customer experience,” said the group's dealer principal and president, John Smith Jr.

Product Development And Industry Context

Assurant developed F&I On Demand through collaboration between its innovation and automotive teams, focusing on common dealership challenges related to staffing costs, coverage gaps, and bandwidth limitations in F&I departments.

Bosses said the solution is intended to support both operational efficiency and customer experience as dealership processes continue to evolve.

F&I On Demand is positioned as part of Assurant’s broader dealer services portfolio, with the goal of helping dealerships adapt to changing workforce and customer expectations while maintaining consistent F&I performance.