Dealer Participation
Your reinsurance company is only as good as the desk that feeds it.
Most dealers don't need a new program. They need an F&I office that fills the one they have. Kairos sets up dealer participation programs and coaches the desk every week so they perform.
Structure matters. The desk matters more.
A reinsurance company only earns on contracts that go into it. Every one of those contracts starts at the F&I desk.
01
Penetration
Every deal without a full menu is premium your program never sees.
02
Product mix
Service contracts alone leave GAP, tire and wheel, key, and appearance premium on the table.
03
Cancellations
Every early cancellation is a chargeback today and a smaller reserve tomorrow.
04
Deal quality
Rushed or unclear deals cancel more, dispute more, and put the program at risk.
Other firms can tell you where the leaks are. We're in the store every week fixing them.
One contract. Two paydays.
Every product you sell can pay the store twice: F&I income today, and program results later. Round, illustrative numbers.
Cancel the contract and you lose both paydays.
Illustrative only. Claims can run higher or lower than expected. Not the terms of any Kairos program or provider.
Most programs aren't broken. They're hungry.
Healthy
Fair fees, clear statements, claims handled well, and results moving the right way. Keep it, and keep the desk sharp.
Hungry
The structure is fine, but results are flat because not enough good contracts are going in. This is where we do our best work: better penetration, better product mix, fewer cancellations.
Broken
Fees nobody can explain, statements nobody can read, claims problems, or a structure you've outgrown. Then it's time to look at alternatives, carefully.
Reported client outcome
Anonymized dealership result. Individual results vary.
186% → 60%
Reinsurance loss ratio
Four-store dealer. Repriced the risk, tightened eligibility, and read every program statement.
Read the case studySet it up right. Feed it every week.
01
Set up
We help you choose the structure and partners that fit your store and your goals.
02
Coach the desk
Our team is in your F&I office every week on menu, presentation, product mix, and cancellations.
03
Review together
Program results sit next to your F&I numbers on one scorecard, on a set rhythm.
04
Run the store better
For dealers who want the whole store on one rhythm, Overdrive™, our dealer operating system, connects F&I to sales, service, and leadership.
Questions dealers ask
What is dealer reinsurance?
A way for dealers to participate in the underwriting profit and investment income on the F&I products they sell, instead of leaving all of it with the provider.
Do I need a big store to participate?
Not always. Retro and NCFC options can fit smaller volumes. A CFC usually makes more sense at higher, steady volume. Your CPA should weigh in.
How do I start?
Take the Dealer Participation Checkup, or send us a note below.
What are my options for participating?
Most dealers choose among a retro or profit-sharing program (the provider keeps the risk and pays you a share of profit), an NCFC (you hold shares in a reinsurance company you don't control), or a CFC (a company you control, with more setup and administration). The right fit depends on your volume, goals, and your CPA's advice.
Should I switch programs?
Sometimes. First find out what happens to contracts in force and your reserves, what it costs to leave, and whether a new program would actually earn more or just cost less. Often the bigger win is fixing the desk first.
How is this different from the Overdrive™ Dealer Health Checkup?
The Dealer Participation Checkup looks at your reinsurance program and the F&I desk that feeds it. The Overdrive™ Dealer Health Checkup looks at how the whole store runs.
Talk with Kairos
Tell us who you are. We'll take it from there.
Kairos Performance Group provides F&I training, coaching, and program setup support. We are not a law firm, CPA firm, insurance carrier, or investment adviser, and nothing on this page is tax, legal, accounting, insurance, or investment advice. Dealer participation and reinsurance programs involve risk, including the risk that claims exceed expectations. Results vary and are not guaranteed. All examples and figures are simplified and illustrative, are not projections of any dealer's results, and do not reflect the terms of any specific program or provider. Consult your own CPA, attorney, and insurance professionals before setting up, changing, or leaving any program.