American Bankers Insurance Company of Florida, part of Assurant, filed in Florida on October 7, 2025, requesting an Annual Rate Filing Exemption under Section 627.0645 of the Florida Statutes. The exemption applies to the Emergency Cash Coverage Endorsement and Deductible Reimbursement Endorsement within the First Protector Group program.

The company reported only 39 active policies in Florida for this line, with an annual premium volume of $1,241—below the threshold requiring a full annual rate filing. Both endorsements pay claims directly to the borrower, unlike the base First Protector Group coverage, which pays to the lender.