Company Profile

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders.

We are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

A solid history of successful business practice has provided an exceptionally strong financial base. Retained earnings as of year-end 2009 exceeded $155,000,000.

With over 75 years in the business, CSO supports over 5,300 financial institutions and automobile dealerships and is a top provider of debt protection in the dealer market in the United States. The number of in-force credit life and/or disability policyholders exceeds 340,000 and more than 21,000 insurance certificates are processed on a monthly basis. CSO possesses the knowledge and skills required to extend superior service and products to its policyholders and business partners alike.

Based in Omaha, Nebraska, CSO employs approximately 160 people and is licensed in every state except New York. CSO is also licensed in Guam and the District of Columbia. The company strives to be the provider of choice in the debt protection market. Our motto, "To Care is To Grow," remains the guiding philosophy behind how we do business.