Heritage Premium Assignment Company was founded in 2003 by Gary M. Fate who has accumulated over 25 years experience in the finance and insurance field. HPAC specializes in providing insurance agents with premium financing for their clients. We answer the first two questions the client will ask about down payment and monthly payments by meeting their needs. HPAC provides the agent with a way to reduce the down payment and lower the monthly payments while making the agent more profitable.
Heritage, located just east of the
Dallas metroplex services Texas,
Colorado, and Ohio, and has been
established as a broker of premium
finance companies building on the
strengths of long established financial
institutions. Agency partners can
check a single account or their whole
portfolio online any time in real
time. You can make payments for your
This alliance with some of the best premium finance companies in the industry has allowed Heritage to focus on what they do best, developing service oriented relationships.
Gary Fate has
over 25 years of experience in insurance
and premium finance. He has always
enjoyed working with people and providing
solutions that others could not. Excellent
customer service is the highest priority
for HPAC. When he graduated from
University of Tulsa with a bachelor's
degree in business, his love was
Linda Fate has
been in the customer service and
relationship building fields most
of her career. She has over 10
years of premium financing experience.
She enjoys meeting new agents and
learning about the needs of their
clients. While working full time,
Linda completed her master's degree
in business at Lindenwood University.
John Bruce has
spent over 13 years servicing the
needs of insurance agencies. He has
proven himself as a "go to" guy. Addressing
the agent’s needs, John will
go to extreme lengths to find a resolve.
With his ACSR designation, John has
a keen knowledge of the workings
of different coverages and how best
to apply financing to afford those
coverages to the insureds. Active
in his local associations, IIAH and
HIP, John continues to give back
to the insurance community.
from Texas A&M Commerce, is applying the knowledge he gained
with his Bachelor degree in Finance to Heritage clients.
Working in the service industry during
his studies, he is prepared to merge
the two experiences in a career that
allows him to use his finance knowledge
and customer care abilities to help
his agents be more profitable with
premium financing. He is currently pursuing his CISR designation.
Epps represents Heritage
in Ohio and Texas. He specializes in electronic
banking, payment processing and business
analysis. He graduated from Arizona
State University with a Bachelor
degree in Science. At Heritage
he utilizes his relationship skills
in understanding each agent's unique
circumstances and provides insight
to premium financing. He enjoys meeting
new agents and discussing the opportunities
that premium finance can provide
to your agency. He is currently pursuing his CISR designation.