Skip to main content

Posts

Why I Built Dealer-Reinsurance.com and Why Dealers Deserve More Transparency

Dealer reinsurance is one of the most powerful long-term financial tools available to a dealership, yet it is also one of the most misunderstood. I have spent decades working inside dealerships, alongside administrators, and with dealer principals who were told they had a “great” reinsurance program but could not clearly explain how it worked, what it cost, or how it was actually performing. That gap between participation and understanding is the reason I built Dealer-Reinsurance.com . The site was not created to sell reinsurance. It was created to explain it. Dealers deserve access to clear, practical information about how reinsurance structures work, how performance should be measured, and what questions should be asked long before a decision is made or a premium dollar is committed. What I’ve Seen Too Often Over the years, I have reviewed countless reinsurance programs. Many were set up with good intentions. Some were structured reasonably well. But far too many lacked transpar...
Post a Comment
Read more
Recent posts

Dealer Reinsurance Explained: Transparency, Fees, and Long-Term Wealth in Automotive Reinsurance

Dealer reinsurance has become one of the most powerful long-term wealth-building tools available to automotive dealers, yet it remains one of the least understood. While many dealers participate in reinsurance programs through their F&I product providers, few have full visibility into how those programs are structured, what fees are being charged, and how much profit is actually being retained versus absorbed by third parties. Automotive reinsurance is not simply about deferring income or participating in underwriting profit. It is about control, transparency, and the ability to make informed decisions that materially impact dealership profitability over time. What Dealer Reinsurance Is and Why Dealers Use It Dealer reinsurance allows a dealership to participate in the underwriting profits generated by F&I products such as vehicle service contracts, limited warranties, and ancillary protection products. Rather than allowing all underwriting profit to remain with an administrat...
Post a Comment
Read more

Maximizing Long-Term Wealth Through Transparent Dealer Reinsurance Structures

The landscape of automotive finance and insurance has evolved far beyond simple product markups. For modern dealership owners, the most significant driver of long-term financial stability and wealth creation is a properly structured automotive reinsurance program. At its core, dealer reinsurance allows a dealership to form its own insurance company to insure the F&I products sold at the retail level. Rather than allowing a third-party carrier to retain the underwriting profits and investment income, the dealer captures these funds, creating a powerful engine for capital accumulation. However, the effectiveness of this engine depends entirely on the program's structural integrity and transparency. While many dealers view reinsurance as a standard industry practice, there is a profound difference between basic profit-sharing arrangements and sophisticated automotive reinsurance models. Profit-sharing programs often leave the dealer with limited control and a smaller slice of the ...
Post a Comment
Read more

Best Reinsurance Companies for Auto Dealers: How to Evaluate Programs, Structures, and Long-Term Profitability

When auto dealers search for the best reinsurance companies, they are usually doing so with intent. Either they are exploring dealer reinsurance for the first time as their F&I volume grows, or they are questioning whether their current program is truly delivering the profitability, transparency, and long-term value they were promised. In many cases, dealers are already participating in reinsurance but lack a clear understanding of how their structure works or how performance is actually measured. Dealer reinsurance is not a product and it is not a shortcut to higher income. It is a financial strategy that allows dealers to participate in underwriting profit, retain risk in a controlled manner, and build long-term wealth when structured correctly. Choosing among the best automotive reinsurance companies requires education, transparency, and comparison, not marketing claims. Dealers increasingly turn to advisory firms like Elite FI Partners that focus on education and structure rath...
Post a Comment
Read more

Beyond the PVR: Shifting the Focus from Monthly Metrics to Long-Term Wealth Construction

The finance office has traditionally been measured by one primary metric: Profit Per Vehicle Retailed (PVR) . For decades, PVR has been the "North Star" for F&I managers and dealer principals alike. It’s the number that dominates the morning meetings, dictates the month-end bonuses, and serves as the ultimate yardstick for departmental success. However, after 25 years in this industry, I’ve seen a recurring pattern: dealerships that focus only on the immediate PVR often find themselves on a treadmill of high turnover, inconsistent performance, and missed financial opportunities. If you are only looking at the cash that hits your financial statement at the end of the month, you are looking at a snapshot when you should be looking at a feature film. At Elite FI Partners , we challenge our partners to shift their perspective. It’s time to move beyond the "monthly grind" and start viewing the F&I department as a powerful engine for long-term wealth constructio...
Post a Comment
Read more

How Elite FI Partners Chooses the Right Administrators, Products, and Profit-Sharing Programs

Every dealership’s success in F&I comes down to one thing: the partners and programs they choose. The difference between an average finance office and a wealth-building one isn’t luck — it’s about aligning with the right administrators, offering the right products, and building profit-sharing structures that actually deliver. At Elite FI Partners , we’ve built our reputation on guiding dealers through that process with clarity, transparency, and proven results. The Criteria for Selecting Administrators The right administrator can make or break the dealer and customer experience. That’s why we carefully evaluate administrators based on: Claims Management & Support – We only partner with administrators who consistently deliver fast, fair, and customer-friendly claims outcomes. Compliance & Transparency – Every program we bring into a dealership is fully vetted for compliance with state and federal regulations . Training & Support – Administrators must ...
Post a Comment
Read more

Dealer Reinsurance: Building Wealth Through the New Standard in F&I

Why Reinsurance Matters More Than Ever For years, dealerships relied on product sales as their main source of F&I income. While profitable, these transactions often left long-term wealth on the table. At Elite FI Partners, Emilia and I set out to change that. Our goal is simple: help dealers take ownership of their financial future through transparent and effective dealer reinsurance strategies. Automotive Reinsurance as a Cornerstone of Growth Reinsurance is not just a financial tool; it is the foundation of long-term dealer wealth. By creating structures that allow dealerships to participate directly in the underwriting profit, automotive reinsurance transforms F&I from a transactional model into a wealth-building engine. The key is clarity. We provide side-by-side comparisons and pro forma analysis so dealers understand exactly how these structures work and what they mean for their bottom line. F&I Reinsurance Options Tailored for Every Dealer Not every program is...
Post a Comment
Read more