Interactive tool
Product Selection Guide
Walk through a vehicle, buyer, and deal to surface the F&I products whose coverage actually matches the risks in front of you.
The vehicle
The deal
How it will be used
What this deal actually calls for
Ranked by how much of the described risk each product addresses. Read the reasons rather than the order, and drop anything the customer tells you does not apply.
Worth discussing
The described situation carries the risk these address.
Repair cost after the factory warranty ends.
- The vehicle is out of, or close to leaving, its factory warranty.
- A long ownership horizon means more of the risk falls outside factory coverage.
Cosmetic wear and minor damage that is deducted at trade-in.
- Outdoor parking increases exposure to contaminants, UV, and minor damage.
- A long ownership horizon gives cosmetic wear time to accumulate.
Situational
Some signal here, but not enough to lead with. Worth raising only if something in the conversation supports it.
Owing more than the vehicle is worth if it is totalled or stolen.
- A long term keeps the balance above the value for longer.
Replacing an electronic key, which must be sourced, cut, and programmed.
- A long ownership horizon raises the chance of losing a key during it.
Unlikely to fit
Nothing in this deal points to these. Presenting them anyway is what makes a menu feel like a list rather than a recommendation, and it is the fastest way to lose the credibility that carries the rest.
A consumer contract excluding the business use the vehicle is actually put to.
Lost value at trade-in, which is the outcome most owners actually experience.
Failure of drive units, onboard charging, and the high-voltage battery.
Road damage to tires and wheels, which warranties and insurance deductibles usually leave to the owner.
This reasons about which risks a described situation carries, not about eligibility or price. Whether a particular contract covers a particular vehicle is answered by that contract. Educational only, and not advice.
Who it’s for
Finance managers building a relevant menu for a specific customer, and sales teams learning product fit.
What it does
Walk through a vehicle, buyer, and deal to surface the F&I products whose coverage actually matches the risks in front of you.
What you’ll get
A short, ranked list of products that fit the scenario, each with the risk it addresses and a link to its learning center.
Read the reasons, not the ranking
The order is produced by weighted rules, and the weights are a judgement rather than a measurement. What is defensible is the reasoning attached to each product: a specific feature of the described situation, and the risk it creates. If a reason does not apply to the customer in front of you, discard the recommendation with it.
This is the difference between a tool that helps and a tool that decides. Nothing here knows the customer, and the reasons are written so you can check them against what they actually told you.
The dismissals are the useful half
A tool that only ever lists reasons to present something is a pitch with input fields. The products this drops are as informative as the ones it raises, because presenting a product with no supporting reason is what makes a menu feel like a list.
A customer who is told plainly that something does not apply to them is far more likely to believe the recommendations that follow. That credibility is worth more than the occasional additional sale.
What it deliberately does not do
It does not price anything, quote anything, or check eligibility. Whether a specific contract covers a specific vehicle is answered by that contract and by the administrator, not by a rules engine, and the two questions should not be blurred together.
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