Turn every warranty, GAP product, and service contract you sell into dealer equity -- wealth that grows with every deal and belongs to you.
Reinsurance allows dealers to participate directly in the underwriting profit of the F&I products they sell. Instead of all the premium flowing to a third-party insurance company, a meaningful portion is redirected into a dealer-owned entity -- building real equity over time.
Every vehicle service contract, GAP waiver, and theft protection product you sell generates premium. Without reinsurance, that premium leaves your dealership entirely. With a properly structured reinsurance program, you retain underwriting profit, investment income, and long-term equity in your own company.
For independent used car dealers selling 50 or more units per month, reinsurance is not a nice-to-have. It is the single most impactful way to build generational wealth from your existing F&I operation.
Service contracts, GAP, theft protection -- every product at your desk generates premium.
Instead of going entirely to a third party, a portion of each premium is ceded to your dealer-owned company.
Your entity funds claims from the reserves it holds. Low claims mean higher retained profit.
Underwriting profit and investment income accumulate in your entity year after year, creating transferable wealth.
Every dealership is different. We help you choose and implement the right reinsurance structure based on your volume, tax situation, risk tolerance, and long-term goals.
Structures that give you full ownership and control of your reinsurance company. All underwriting profit and long-term equity belong to you.
A simpler entry point into reinsurance economics. Participate in underwriting profit with lower setup cost and a clear path to upgrading into full ownership later.
From captive arrangements to offshore entities, we'll evaluate your specific situation and recommend the structure that maximizes your long-term wealth.
Not sure which structure is right for you? We'll walk you through the options and help you make the best decision for your dealership.
Get Your Free Reinsurance AnalysisMost F&I agencies keep dealers in participation programs where the agency controls the entity and skims off the top. We believe the dealer should own it -- and we help you make that happen.
We help you establish and own your reinsurance company, not just participate in someone else's. Your equity, your control, your wealth.
No inflated premiums, no hidden admin costs, no skimming. You see exactly what you pay and exactly what flows into your entity.
Reinsurance structures must comply with state and federal regulations. We handle entity formation, regulatory filings, and ongoing compliance so you can focus on selling.
Vehicle service contracts, GAP insurance, theft protection, tire-and-wheel -- every backend product you sell can be structured for reinsurance eligibility.
Learn how reinsurance lets independent dealers keep the underwriting profit from F&I products.
GuideThe essential backend products that drive profit for independent used car dealerships.
GuideWhat to look for — and what to avoid — when picking an F&I partner for your dealership.
Find out how much wealth your dealership is leaving on the table. Our free reinsurance analysis shows you exactly what a dealer-owned entity could mean for your bottom line.