AGWS Response to COVID-19

US Equity Advantage Partners With Brown & Brown To Offer Its F&I Service To Automotive And Recreational Vehicle Dealers Through The AGWS Menu Software Selling Platform Biweekly Loan Payment Service Helps Customers Afford More F&I Products

ORLANDO, FL, November 14, 2017 – US Equity Advantage (USEA) has entered into a partnership agreement with Brown & Brown Insurance, one of the nation’s largest independent insurance brokers, to provide its AutoPayPlus biweekly loan payment service to automotive and recreational vehicle dealers. To facilitate the partnership, USEA has completed an integration with American Guardian Warranty Services, Inc.’s AGWSmenu software selling platform used exclusively by Brown & Brown. AutoPayPlus is the first vehicle financing solution outside of the AGWS family of products to be offered on the AGWSmenu.

AutoPayPlus is an F&I service that provides greater value to vehicle dealerships by helping buyers better afford their loan payment, purchase additional F&I products such as extended service contracts and GAP insurance, trade out earlier and return to the selling dealer in a positive equity position.

It works using simple math. Standard loans require one payment every month. AutoPayPlus’ biweekly loan payment service divides this payment in half and automatically debits that amount every two weeks. Because there are 52 weeks in a year, the borrower makes 26 biweekly payments over the course of a year (the equivalent of 13 monthly payments) with the extra payments applied to the principal. That extra month’s payment per year can reduce interest charges, shorten the term of the loan and accelerate the optimum time to trade their vehicle.

USEA is a leading provider of biweekly payment programs for the auto industry with more than 100 combined years of F&I experience. A 10-year analysis by the company found that dealerships sell approximately one-half to two-thirds more F&I products on biweekly deals as opposed to standard retail deals by utilizing this payment structure. In addition, results from USEA’s top dealer groups reveal a 63% increase in per-vehicle financed income on AutoPayPlus customers.

“Auto dealers nationwide have found success with USEA’s AutoPayPlus biweekly payment service,” said Mike Neal, head of Brown & Brown’s recreational insurance group. “Our recreational vehicle dealerships can expect even greater success using this strategy because of larger average finance amounts and longer loan terms.”

“Over the past 19 years, American Guardian has been proud to offer a full suite of F&I products that provide excellent coverage and value, while allowing for higher profitability for dealerships,” said Jon A. Anderson, Senior Vice President of Sales and Marketing of American Guardian. “Extended service contracts, appearance protection, warranty protection, and tire and wheel coverage are just some of the products that American Guardian offers.”

Dealers who take advantage of the AutoPayPlus service will also benefit from the high-touch support that USEA provides including unlimited in-store training and hands-on in-house dealer support designed to increase F&I sales performance and customer satisfaction. “We look forward to adding Brown & Brown’s dealers to our nationwide family and getting them up and running within 24 hours of signing an agreement with us,” said Robert Steenbergh, CEO of US Equity Advantage.

American Guardian Warranty Services, Inc.
Headquartered just outside of Chicago, Illinois, AGWS is an innovative provider of administration services for dealers and marketers offering vehicle service contracts, limited warranties, a variety of environmental and aftermarket products across the United States. Since our inception in 1998, the goals of AGWS are to offer superior claim processing, exceptional customer service, and unmatched profitability options. AGWS is part of the American Guardian Group of Companies and enjoys an A+ rating with the Better Business Bureau. Products are insured by A-Rated (Excellent) carriers. For more information, visit or the AGWS University at

About Brown & Brown
Brown & Brown, Inc., through its subsidiaries, offers a broad range of insurance and reinsurance products and related services. Additionally, certain Brown & Brown subsidiaries offer a variety of risk management, third-party administration, and other services. Serving business, public entity, individual, trade and professional association clients nationwide, Brown & Brown is ranked by Business Insurance magazine as the United States’ seventh largest independent insurance intermediary. Brown & Brown’s Web address is

About US Equity Advantage
Founded in 2003, US Equity Advantage (USEA) is an industry leader in biweekly and early loan payoff services from home and automotive to RV, boat and student loans. USEA helps its members reach their financial goals faster through flexible payment plans to accelerate their loan payoff, potentially saving money in costly interest, staying within their budget and building valuable equity. For more information visit

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For US Equity Advantage: Hue Lien Duxbury at (407) 897-8688 ext. 211 |
For Brown & Brown: Mike Neal at (502) 241-7072 or
For American Guardian Warranty Services, Inc.: John V. Bennici at (630) 386-4278 or