“Protecting Relationships. Providing Choice.” For more than forty years, our success has been based on “listening to our clients and understanding their needs”. Our goal is to become a trusted business partner by delivering solutions that combine old fashioned personal service with best of market products. Founded in 1972, Frost has the proven experience and expertise to meet the needs of financial institutions of all sizes and currently partners with more than 1150 Credit Unions/Banks nationwide. Since Frost began offering GAP administration services in 1999 we have grown to become the largest independent (not owned by an insurance company) GAP program provider and our GAP program has become the gold standard in the financial institution market. While much of our growth has been built on the success of the Frost GAP program and the VisualGAP Menu-selling platform, the key has been listening to our clients so that we can continue to develop meaningful products and solutions to meet their evolving needs.