Dealer Reinsurance: Building Wealth and Control in F&I For too long, many dealerships have relied on simple commission models for F&I products like service contracts, GAP protection, and ancillary coverage. While these programs generate revenue, much of the profit—including underwriting and investment income—often stays with the insurance carrier. Dealer reinsurance changes that equation. By creating their own reinsurance structure, dealers can capture more of the profit, build long-term wealth, and gain greater control over their F&I programs. At Elite FI Partners , we specialize in helping dealers understand and implement the right reinsurance program for their business, whether they are just getting started or ready to explore advanced structures. What is Dealer Reinsurance? At its core, dealer reinsurance allows a dealership to form its own reinsurance company that assumes risk from the F&I products sold. Instead of simply receiving a commission, the dea...
At Finance Product and Training, we break down the hidden costs of cheap F&I products. Discover how strong administration and trusted programs like vehicle service contracts, GAP protection, and PowerBuy Equity Protection deliver lasting value, protect customers, and grow dealership profitability across both automotive and powersports F&I markets.