Not every dealer wants the responsibility of forming and managing a separate reinsurance entity and with ARC's Retrospective Participation Program, they don’t have to. This low-risk, simplified reinsurance model allows dealers to participate in the underwriting profits of F&I products without owning a reinsurance company.

ARC serves as the program agency, intercepting all reserves, claims, compliance, and reporting. Dealers receive regular profit-share payouts, calculated from earned premiums minus incurred claims, (and calculating surplus rules) giving you access to earnings without operational complexity.

ARC understands full blown organization isn't for everybody. Whether you're a small dealer starting out or a large dealer uncomfortable with a formal reinsurance structure, a retro is a reasonable compromise to participate in profits. Reinsurance organization requires cash to form, liability from losses, and minimum F&I production standards.  This is an order not all dealers are willing to fulfill.

Whether you're exploring reinsurance for the first time or seeking a hands-off way to benefit from F&I profitability, ARC’s experts are here to help. We'll evaluate your goals and recommend the right-fit solution for your dealership. Scroll below to learn more about how our specialized training and retro participation model can work for you.