Ecommerce brands come and go. Stores rebrand, get acquired, and sometimes simply shut down. Which raises a fair question about any coverage you bought at their checkout: if the store is gone, is your plan gone with it?
The short answer: no, if your plan has a real obligor
A protection plan is a service contract, and every legitimate service contract names an obligor: the company legally on the hook to repair or replace your product. The store that sold you the plan is the merchant of the transaction, not the party carrying the obligation. When the store disappears, the obligation does not.
Who stands behind a FlexProtect plan
FlexProtect plans are obligated by AIG WarrantyGuard, Inc. and administered by Service Net Warranty, LLC. AIG has been underwriting risk for over a century, operates in more than 70 countries, and serves tens of millions of customers worldwide. Whether the store that sold you the plan is thriving or gone, your claim goes to the same place it always did.
What this means practically
- Your portal access does not change. Coverage lives at flexprotect.ai/portal, tied to your email, not to the store's website.
- Your plan documents do not change. The terms you bought are the terms you have, for the full term you paid for.
- Claims work the same. Same form, same process, about 90 seconds.
The question to ask before you buy any plan
Not "does this store seem stable," but "who is the obligor, and is that name written in the terms?" If the answer is vague, the coverage is only as durable as the seller. If the answer is a company like AIG WarrantyGuard, the coverage stands on its own. For more on how these instruments work, see the difference between warranties, plans, service contracts, and insurance.