Stack by Stack

Stack by Stack

Stack by Stack operates as Insurian, a platform launched by Paul Budvitis to design and administer consumer protection products for auto financing channels. Budvitis, who developed the Hyundai Assurance program at the height of the 2009 economic crisis, started the firm to deliver vehicle return plans, debt cancellation agreements, and ancillary F&I products directly through financial institutions and dealerships. The firm's leadership includes Keith Whann, a former regulator and General Counsel who advises on compliance and strategy. The product suite spans a standalone Vehicle Return Plan, LifeGAP insurance, vehicle service contracts, and a commercial truck warranty offering. These are distributed across five primary channels: automotive dealerships, commercial trucking, powersports, OEMs, and financial institutions such as banks, credit unions, and leasing companies. The firm's website lists marketing partnerships with several unnamed major brands, positioning its Vehicle Return Plan as a product that lets customers return a vehicle and eliminate the associated debt obligation — a structure that echoes the Hyundai Assurance precedent. Stack by Stack's footprint is concentrated in the United States, serving a network of dealer and lender partners. No information on total professionals, capital deployed, or affiliated vehicles is publicly available. The company's online presence is limited to a product-focused corporate website listing Paul Budvitis and Keith Whann as the sole named executives. The firm remains privately held and does not follow a traditional asset management or single-family-office structure. It does not disclose a fund vehicle, investor base, or balance sheet. Its structural distinction lies in its direct product-manufacturer-and-distributor model for auto consumer protection — operating as a principal on insurance product design rather than acting as a broker or advisor.