Get Rewarded for Safer,
Healthier, More Responsible Living
Unified Coverage is built around a simple idea: customers should be able to build value from the money they already spend on protection. Members may earn approved credits for safe driving, healthy habits, preventive care, responsible payments, low-risk behavior, and smart protection choices.
Earn credits. Build your balance. Use it when life happens.
How Credits Work
Unified Coverage credits are designed to reward responsible behavior. When members complete eligible actions, credits may be added to their Unified Wallet. These credits may be used toward approved costs such as deductibles, care, repairs, emergency services, future monthly balances, or eligible provider payments. Credits may help reduce the amount customers need to pay out of pocket when unexpected costs happen.
Drive safely and build potential value over time.
Why it matters: Safer drivers may create less risk. Unified Coverage is designed to help responsible drivers benefit from that behavior.
Track Safe Driving
Healthy habits can help protect your future.
Why it matters: Preventive care and healthy habits can help reduce long-term risk and support better outcomes.
Explore Wellness RewardsResponsible payments can help build trust and value.
Why it matters: Consistent payments help keep protection active and reduce account disruptions.
View Payment Rewards
Members with low claims activity may qualify for approved savings opportunities.
Why it matters: Lower claims activity may help create savings opportunities when allowed by program terms and policy rules.
See Claim-Free OptionsThe more organized your protection is, the more value you may be able to unlock.
Why it matters: A complete protection profile helps Unified Coverage organize your needs and identify possible savings opportunities.
Build Your Protection Plan
Long-term members may receive approved loyalty rewards.
Why it matters: Unified Coverage is designed to reward members who continue building their protection system over time.
Join Early AccessUnified Coverage may work with approved partners to help members earn additional credits.
Why it matters: Partner credits can help members save more while using trusted services connected to their protection needs.
View Partner Benefits
Where Your Credits Go
All earned credits are tracked inside the Unified Wallet. This gives members a clear view of how their actions are building value.
What Credits May Be Used For
Unified Coverage credits may help lower approved costs.
Credit use depends on program rules, partner approval, policy terms, and applicable law.
Example: How Credits Add Up
Monthly Credit Activity
Possible use: A customer has a $120 phone repair. If eligible, they may be able to apply available credits toward the repair, lowering what they need to pay out of pocket.
Credit Dashboard Features
Real-Time Credit Tracking
See credits as they are earned, used, and added to your Unified Wallet.
Credit Categories
Know exactly where your credits came from — safe driving, wellness, payment history, loyalty, bundles, and partners.
Auto-Apply Option
Eligible credits may be automatically applied toward approved balances, future bills, or service costs.
Monthly Credit Summary
Receive a simple breakdown of credits earned and used each month.
Savings Opportunities
View actions that may help you earn more credits in the future.
Wallet Balance View
Track your available credits, emergency balance, and possible future cost reductions in one place.
Why Earn Credits?
Protection should not only be something you pay for. Unified Coverage is designed to help members build value through responsible choices.
Designed Around Responsible Behavior
Unified Coverage believes safe, healthy, and responsible behavior should be rewarded. When customers make smart choices, maintain coverage, pay responsibly, drive safely, and take care of their health, they may be creating lower risk.
Unified Coverage is designed to help turn that lower-risk behavior into approved credits and savings opportunities.
Credit Categories at a Glance
Safe Driving
Earn credits for responsible driving behavior.
Wellness
Earn credits for preventive care and healthy habits.
Payments
Earn credits for on-time payments and active account history.
Low Claims
Earn credits or savings opportunities for lower-risk claim behavior.
Bundles
Earn credits for organizing multiple protection types in one place.
Loyalty
Earn credits for staying active with Unified Coverage over time.
Partners
Earn credits through approved care, repair, travel, wellness, and service partners.
Coming Soon: Smarter Credit Rewards
Unified Coverage is building a smarter rewards experience that helps members understand how their daily choices may help reduce future financial stress.
Start Earning with Unified Coverage
Getting started is simple.
Unified Coverage credits, rewards, discounts, wallet balances, and dividends are subject to applicable laws, program terms, partner approval, policy terms, and regulatory requirements. Credits are not guaranteed and may vary by location, partner, coverage type, eligibility, and customer activity. Unified Coverage is designed as a protection management platform, insurance access platform, rewards wallet, and service coordination system. Insurance products may be offered through licensed insurance carriers and licensed producers. Unified Coverage should not be understood as a licensed insurance carrier, bank, or financial institution unless and until it receives the required regulatory approvals.