VIVA Finance adds embedded loan protection from Securian

Atlanta-based fintech VIVA Finance launched an embedded loan protection offering powered by Walnut Insurance and backed by Securian Financial .

The product allows borrowers to add protection for involuntary unemployment, disability, and medical emergencies during the loan origination process. According to the announcement, the experience is integrated directly into VIVA Finance’s platform through Walnut’s API infrastructure, handling quoting, enrollment, billing, and administration without redirecting users to third-party websites.

VIVA Finance underwrites personal loans of up to $15,000 using employment data instead of traditional credit scores, targeting educators, healthcare workers, and frontline employees underserved by conventional lenders.

The embedded protection offering is designed to help borrowers maintain payments during financial disruptions while also reducing delinquency and default risk across its lending portfolio.

Securian Financial will administer the loan payment protection product.