Build Wealth and Take Control of Your F&I Profits with Dealer Reinsurance
Elite FI Partners designs dealer reinsurance programs that put your dealership in the driver’s seat of F&I profitability. We help you form and optimize your own captive company, enabling you to retain reserves, earn investment income, and transform F&I products into long-term wealth.
Having control over your dealership’s F&I products is one of the most powerful business advantages available. The right profit participation program allows you to make strategic decisions that benefit your customers, strengthen your business, and maximize your bottom line.
At Elite FI Partners, we collaborate with dealers to design and implement customized programs tailored to their specific goals, leveraging industry-leading, tax-efficient structures. Whether you want to refine your current setup or build from the ground up, we ensure your program is structured to perform, protect, and grow over time.
Learn About Dealer Reinsurance
I'm New to Profit Sharing
For dealers not yet in a captive or reinsurance program.
You’re growing. You’re building volume. And now you’re ready to stop leaving money on the table.
This path will walk you through:
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When and how to start a profit-sharing program
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Volume and product readiness
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Retro and warehousing options
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How a captive is formed
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What to expect financially
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Pro forma and long-term wealth projections
I Already Have a Reinsurnace Program
For dealers already participating in reinsurance or profit-sharing.
If you’re already in a program, the next step is making sure you’re in the best structure with full transparency on fees, investment options, and long-term performance.
This path focuses on:
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Side-by-side comparisons of your current program
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Understanding all fees (admin, ceding, claims adjudication, taxes, etc.)
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Reviewing structure options (CFC, NCFC, DOWC, Super CFC)
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Optimizing investment strategy in your A & B accounts
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Identifying hidden profit opportunities
Why Choose Elite FI Partners for Reinsurance?
At Elite FI Partners, we don’t just set up dealer reinsurance programs; we create comprehensive wealth strategies designed to perform, protect, and grow over time. With decades of hands-on dealership and F&I experience, our team knows what works in the showroom, the finance office, and the boardroom.
One of the most significant advantages we offer is true transparency. We run side-by-side comparisons between your current reinsurance company and the structures we design, CFC, NCFC, DOWC, Super CFC, so you can clearly see where your program is strong, where it’s costing you, and how much more you could capture with the right structure. This approach puts the power back in your hands to make confident, data-driven decisions.
Combined with tax-efficient strategies, ongoing training, and nationwide results, Elite FI Partners is more than a provider. We’re a trusted partner in your long-term profitability and wealth creation. Dealers choose us because we deliver clarity, measurable results, and programs that are built not just to work today, but to secure tomorrow.
Frequently Asked Questions About Dealer Reinsurance
Q: What is dealer reinsurance?
A: Dealer reinsurance is a structure that allows an auto dealer to own their own insurance company to back the F&I products they sell. Instead of sending all premiums to a third-party provider, the dealer’s reinsurance company assumes the risk and retains the underwriting profit and investment income if claims are favorable.
Q: How do dealer reinsurance programs work?
A: When a customer purchases an F&I product like a service contract or GAP, part of the premium is ceded to the dealer’s reinsurance company. The dealer now shares in the risk and, if claims are well-managed, builds wealth through profit reserves and investment income over time.
Q: What’s the difference between a DOWC and a reinsurance company?
A: A Dealer-Owned Warranty Company (DOWC) is a structure where the dealer owns the warranty company directly, often giving more flexibility and control, but also more compliance responsibility. A reinsurance company, by contrast, sits behind an administrator or insurer and reinsures the risk, which can offer stronger tax advantages and lower administrative burden.
Q: What are common fees in reinsurance?
A: Typical reinsurance programs may include administrative fees, claims adjudication fees, and ceding fees. At Elite FI Partners, we break down these costs side by side against your current provider so you see exactly what you’re paying—and where savings and profit opportunities exist.
Q: What F&I products can be reinsured?
A: Almost every F&I product can be placed into reinsurance, including extended service contracts, GAP, tire & wheel, appearance protection, key replacement, and more. This gives dealers the opportunity to capture profit across their entire product portfolio, not just a commission.
