PERSPECTIVE.OWNERSHIP.CONTROL.

The Problem Dealers Face

Most F&I programs are designed for short-term income.

They generate revenue, but rarely create the structure, stability, or alignment needed to build lasting dealership value.

CareGard® approaches protection programs differently.

Most F&I Programs Are Built for Short-Term Income

REINSURANCE AND PROFIT SHARING PROGRAMS

How disciplined program structure builds long-term dealership value

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Program
Structure

Disciplined underwriting, clear product architecture, and responsible pricing create the foundation for consistent long-term performance.

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Income
Strategy

Strategic F&I income programs target per-vehicle revenue and help build customer trust.

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Customer
Ownership Lifecycle

Protection products connect the dealership and the customer over time, supporting service engagement and long-term loyalty.

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Performance
Visibility

Program performance and financial outcomes are monitored through disciplined reporting and technology.

All of it is designed to support long-term value creation.

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“Long-term dealership performance is not built through short-term income spikes.

It is built through disciplined systems designed to deliver consistent performance over time.”

A Conversation Worth Having

CareGard® has spent more than three decades helping dealer owners structure reinsurance and profit sharing programs aligned with their long-term goals.

No two dealerships are the same. Ownership structure, risk tolerance, succession plans, and financial priorities all shape the right approach.

Many of the most effective structures are personal, strategic, and best discussed privately.

That's why our team works directly with dealer principals in confidential conversations designed to explore the options that fit their business and legacy.

"CareGard®'s reinsurance prowess and strategic partnership commitment literally helped me build my business from the ground up."
— Justin H.Multi-store Owner, WA

Multiple Paths

Built for Different
Ownership Goals

Some dealers prioritize immediate performance. Others focus on the long-term.

Structured for Your
Risk Comfort

We tailor our approach to you personally based on your risk tolerance, complexity and operational involvement.

Aligned to Your
Long-Term Vision

Whether your focus is current income, enterprise value, or succession, we help build the structure to support the outcome.

Experienced Stewardship

For more than three decades, CareGard® has helped dealer principals establish and steward reinsurance structures designed to support long-term dealership value.

Our team manages the full lifecycle of the reinsurance structures we help dealers establish, from formation through ongoing administration.

The goal is simple – ensure each program operates with discipline and transparency over time.

This includes oversight of key operational and reporting responsibilities such as:

  • Company formation and regulatory coordination
  • Annual renewals and financial statements
  • Monthly reinsurance reporting and performance updates
  • Coordination of tax reporting
  • Administration of Delaware-domiciled captive structures
  • DOWC reporting requirements when applicable
Depending on the goals and preferences of the dealer, programs may be structured through domestic captive arrangements or established international reinsurance jurisdictions.

Many dealer principals also choose to include protection products from other administrators within their Reinsurance structure. CareGard® supports these arrangements and ensures proper reporting and administration.

Our role is simple: ensure the structure performs exactly as intended – year after year.

Request a Private Conversation

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