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...
AutomotiveReinsurance.com explores how reinsurance and F&I programs help dealers build long-term wealth. Led by Michael and Emilia Aufmuth, founders of Elite FI Partners, the blog shares insights on dealer reinsurance, training, and wealth-building strategies. Each post is designed to educate, empower, and guide dealerships toward sustainable profitability and market leadership.