Fintech and Wealth Management
Keep clients invested through a layoff
When a client loses their job, the first thing they touch is their portfolio. Cushion gives them a cash runway instead, offered right inside the apps and advice they already trust.
How we'd partner
Partnership model: Co-branded handoff or Embedded API
Step 1
Spot the moment
Surface Cushion where clients already plan: emergency-fund goals, cash-flow tools, onboarding or an annual review.
Step 2
Hand off in one click
Clients move to a co-branded Cushion flow, verify employment with consumer-permissioned payroll data, and get a quote in minutes.
Step 3
Stay invested
After a qualifying layoff, Cushion pays the policyholder cash directly, so they're less likely to sell investments or pause contributions.
What you get
Lower outflows
Help reduce panic withdrawals and liquidations when clients' income suddenly stops.
A new revenue line
Earn partner compensation without taking on underwriting or balance-sheet risk.
A stickier product
Add a protection feature competitors don't have, tied to your clients' financial plans.
What your customers get
Cash when it counts
Monthly payments after a qualifying involuntary job loss, on top of state unemployment.
Portable cover
They own the policy. It isn't tied to their employer.
Private by design
Cushion never contacts their employer.
Getting started
Fastest path
Co-branded link or widget, live in days
Deeper option
Embedded API inside your app
What we need
A placement, a co-branding review and a compliance sign-off
Cushion is offered as an optional, separate product and is never a condition of any account or investment. Cushion coverage is currently available to W-2 employees in Florida, Texas, Colorado, Illinois and Virginia, with more states to follow. Coverage options, limits, waiting periods and policy availability vary by jurisdiction and are subject to underwriting approval and individual policy declarations. Partner compensation is structured to comply with state insurance laws; only appropriately licensed partners may receive commissions on policies sold.
Let's talk about how we'd work together
Tell us a little about your fintech and wealth management business and our partnerships team will get back to you within 1-2 business days.