FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Banking Solutions for Insurance Companies
Banking, payments, and investments for the unique needs of the insurance industry.
Why Insurance Organizations Partner with FNBO
A relationship bank built to support insurers through market cycles, regulatory change, and growth.
FNBO partners with insurance organizations nationwide, delivering specialized banking, payments, investment, and technology capabilities aligned to regulated balance sheets, liquidity requirements, and operational complexity. Our relationship‑driven approach combines insurance‑specific expertise with the scale, stability, and governance insurers rely on.
The FNBO Advantage
- Proven experience supporting regulated insurance balance sheets
- A full suite of payment solutions designed expand payment options and streamline policyholder premium collection
- Regional credit and operational decision‑making for speed and flexibility
- Patient capital and long‑term relationship focus
Liquidity, Capital & Balance‑Sheet Support
Solutions designed to protect capital strength and meet regulatory liquidity expectations.
Strategic Liquidity Facilities
FNBO structures flexible credit facilities to supplement Federal Home Loan Bank access and enhance liquidity resilience. Facilities are customized to align with capital strategy, rating agency considerations, and evolving business needs.
Letters of Credit for Reinsurance Programs
FNBO issues letters of credit to support reinsurance arrangements, including programs involving non‑admitted reinsurers. Our dedicated trade services team delivers efficient execution and competitive structures aligned to regulatory and contractual requiremen
Premium Collection & Policyholder Payments
Operational efficiency and payment flexibility that improve the policyholder experience.
ACH & Electronic Payment Channels
FNBO enables premium collection across digital and assisted channels, including one‑time and recurring online payments, call center and IVR, pay‑by‑text, and electronic bill presentment and payment (EBPP). FNBO has ranked among the nation’s leading ACH originators for more than two decades.
Retail Lockbox Processing
With more than 50 years of lockbox experience, FNBO operates a bank‑owned lockbox platform supporting reliable premium processing. Capabilities include exception handling, image archiving, and continued technology investment.
Institutional Investment Management for Insurance Companies
Institutional‑quality portfolio management aligned to statutory and RBC considerations.
FNBO provides discretionary investment management services for insurance companies, particularly small‑ to mid‑sized carriers seeking experienced oversight without building internal investment teams. Portfolios are designed with statutory accounting treatment, risk‑based capital, liability duration, liquidity needs, and capital preservation in mind.
Services include income‑focused portfolio construction, fiduciary governance within board‑approved investment policies, transparent reporting, and coordination with reinsurance trust and custody structures.
Supporting investment strategy, funding needs, and balance‑sheet optimization.
Through Northland Securities, FNBO collaborates across public finance and fixed income markets. Northland is a registered municipal advisor and broker‑dealer with a strong underwriting presence in the Upper Midwest, expanding FNBO’s capital markets capabilities for insurance clients.
Reinsurance Trust & Collateral Solutions
Independent fiduciary support for regulated reinsurance structures.
FNBO acts as an independent trustee for reinsurance trust agreements, providing asset safekeeping, eligibility monitoring, fiduciary oversight, and regulatory reporting. Trust structures support quota share, excess of loss, fronted programs, and captive arrangements requiring U.S.‑based collateral.
Expense & Payables Management
Control, visibility, and efficiency for insurance operating expenses.
FNBO’s commercial card and virtual payment solutions help insurers streamline payables, strengthen controls, and enhance reporting across operating and claims‑related expenses.
Connect with an Expert
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Nearly 170 years of putting customers first.
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Legal Information
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© 2026 First National Bank of Omaha (FNBO). All Rights Reserved. 1601 Dodge Street, Omaha Nebraska, 68197
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.
NMLS 412727
Only deposit products are FDIC insured.
Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE
Awards based on independent surveys and editorial methodologies for the years shown. Recognition does not imply endorsement or affiliation.