• Address: 410 Peachtree Parkway, Suite 4222 Cumming GA 30041
  • Phone: 770-751-1124

Central States of Omaha

Central States of Omaha

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

A solid history of successful business practice has provided CSO with an exceptionally strong financial base. CSO's retained earnings exceed $215,000,000.

CSO is uniquely positioned to capitalize on the dual focus of credit insurance products and debt cancellation programs. These product offerings are marketed by its business partners consisting of automobile dealerships and financial institutions. CSO's extensive nationwide network of sales and training professionals and general agents allow for effective and responsive servicing of accounts. A commitment to service excellence is supported by:

  • Personalized 'One Call' approach through an established helpline allowing callers to speak to a CSO Representative rather than an automated menu system. Representatives are available Monday through Friday, 7:30 a.m. - 5:00 p.m. Central Time.
  • Call abandonment rate of 1.21% with 98% of calls answered in less than 20 seconds.
  • Processing an average of over $2 million monthly in credit insurance claims.
  • Less than a 6 day average turnaround for processing credit insurance claims and debt cancellation benefit requests.
  • Providing training support via several delivery systems to meet client needs.

CSO boasts a strong and proud history. With over 85 years of experience in the business of protecting debt, the company supports approximately 3,000 automobile dealerships and financial institutions; CSO is considered to be the top provider of credit insurance products to the U.S. dealer market. The company services over 500,000 active credit life and disability policies/certificates and debt cancellation contracts. CSO possesses the knowledge and skills required to extend superior service and products to its policyholders and business partners alike.

CSO and its subsidiaries, Censtat Life Assurance Company and Censtat Casualty Company, have an A.M. Best credit rating of A- (Excellent)*. For the latest rating, go to CSO has successfully completed annual Service Organization Control (SOC) audits since 2012. CSO's SOC audit report covers the financial, information systems controls and related applications used by CSO for administration of its business partner’s programs.

Based in Omaha, Nebraska, CSO employs approximately 130 individuals who are dedicated to supporting the needs of the company’s client institutions, agents, customers and policyholders. CSO is proud to be a primary founder of workplace wellness and promotes a drug and alcohol free work environment.

CSO conducts business in every state (except New York), as well as the District of Columbia, Guam and Saipan. The company strives to be the provider of choice in the debt protection market with its motto, "To Care is To Grow" the guiding philosophy behind how business is done.

*A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet ongoing obligations to policyholders.