Frequently Asked Questions

We're an F&I agency built exclusively for independent used car dealerships. We help dealers optimize their backend products — reinsurance, vehicle service contracts, GAP insurance, GPS tracking, and payment processing — to maximize profit and build long-term wealth.

Traditional agencies profit from inflated fees and opaque pricing. We operate on full transparency: you see exactly what everything costs, you own your reinsurance entity, and our incentives are aligned with your profit — not against it.

Contact us for pricing details. We structure our partnerships to align our incentives with yours — we do well when you do well.

We work with independent dealers doing 30+ retail units per month. Whether you're a single-lot independent or a high-volume multi-location store, we can help.

We're based in New Jersey and serve dealers nationwide. Our strongest presence is in the Northeast (NJ, NY, PA, CT), but our programs work in all 50 states.

Reinsurance allows you to participate in the underwriting profit of the F&I products you sell. Instead of all the premium going to an insurance company, a portion flows into a dealer-owned entity — building equity over time.

A DOWC is a warranty company that you own. When you sell vehicle service contracts, GAP, or other F&I products through your DOWC, the underwriting profit stays in your entity, building wealth with every deal.

There are several reinsurance structures available, each with different ownership, tax, and profit-sharing characteristics. We evaluate your volume, goals, and situation to recommend the right one. Contact us for a free consultation to learn which structure fits your dealership.

Timeline depends on the structure and your specific situation. We handle the setup, compliance, and regulatory requirements so you can focus on running your dealership.

Also called extended warranties. VSCs cover vehicle repair costs after the factory warranty expires, giving your customers peace of mind and your dealership significant F&I income.

Yes. We offer Guaranteed Asset Protection programs with strong dealer margins and full reinsurance eligibility. GAP covers the difference between what a customer owes and what insurance pays if the vehicle is totaled.

We offer GPS tracking and vehicle theft protection programs with high per-unit margins and full reinsurance eligibility. Programs include lot management, stolen vehicle recovery, and customer-facing theft protection.

Biweekly payment programs let your customers make payments every two weeks instead of monthly. This helps boost finance penetration, reduces default risk, and provides additional dealer income.

Start with our free profit analysis or call us at 732-991-6268. We'll review your current F&I setup, identify where you're leaving money on the table, and present a no-obligation strategy.

We work to make the transition as smooth as possible. We'll coordinate vendor transitions and help get your team up to speed.

Not necessarily. We audit your current providers and only recommend changes where there's a clear profit improvement. If your current setup is working, we optimize it. If it's not, we fix it.