Reinsurance is not all the same.

Portfolio puts the dealer first. You own your reinsurance company and 100% of the underwriting profits and investment income. We maximize your earnings with the help of a national network of agents, managing directors and reinsurance specialists. We succeed when you succeed.

$2,911,494,323.91
Reinsurance profits earned by Portfolio dealers to date

Click to learn more about dealer reinsurance and Portfolio’s program.

It’s your money.

It’s your decision.

No hoops to jump through.

Some say it can’t be done.

It’s your F&I program.

Get informed. Stay informed.

Reinsurance drives dealership revenue.

Portfolio agents are dedicated to income development.

We understand your business.

Dealers love Portfolio. These are their stories.

© 2020 Portfolio Holding, Inc. All rights reserved.

We understand your business.

Providers fall short when they fail to fully grasp the dealer’s business or protect their rights as a reinsurance company owner.

<start purple>Portfolio is founded on meeting your needs in the showroom, on the lot, in the F&I office and in the service drive. Our team is made up of former dealers, GMs, F&I managers, trainers and others with direct experience working in dealerships. We understand your daily challenges and opportunities and deliver greater value as a result.

We are more than a provider. We are your partner. Our success is measured by your success.

Move the F&I needle.

Reinsurance company earnings accelerate with increased F&I production. You need the right products and support to maximize sales and protect more customers.

<start purple>Portfolio agents, managing directors and reinsurance specialists can provide advanced F&I and compliance training and coaching, recruiting and reporting, as well as product design and customization, loyalty programs and new technology.

Reinsurance drives success.

Your reinsurance company is your personal wealth asset. But a truly successful program will perform for the dealership as well, driving F&I production to new heights and enhancing sales and service retention.

<start purple>Portfolio’s unique net-net remit policy allows you to deduct claims and cancellations rather than wait for reimbursement. Our service contracts include a 40-mile tieback (20 miles in California). Portfolio dealers have a say in critical claims decisions.

These are just a few of the reasons dealers have ranked Portfolio among the industry’s best reinsurance providers in every Dealers’ Choice Awards since Auto Dealer Today added the category in 2008.

Get informed. Stay informed.

Reputable reinsurance providers deliver accurate and coherent reports. You need to know your results, your costs and your progress toward your F&I and wealth-building goals.

<start purple>Portfolio’s quarterly cession reports are the envy of the industry. We deliver a complete financial statement on your ARC and a record of loan status and dividends, plus everything you need to know about how each product is performing, down to the individual claim.

Portfolio works for simple, fully disclosed and competitive fees. We do not take a share of your profits.

Set your own lineup.

Your market and your customers are unique. Selling the right products on your terms is critical to F&I and reinsurance company profitability.

<start purple>Portfolio’s F&I product offering is flexible and customizable to your store’s goals, from rates and terms to benefits and marketing support. Our representatives will work with you to deliver an F&I offering that makes the most sense for your dealership, your customers and your reinsurance company.

Some say it can’t be done.

Reinsurance providers may discourage reinsuring some products. They may say the risk is too great. But they still encourage dealers to sell those products. So who gets the underwriting profits?

<start purple>The majority of Portfolio dealers reinsure the premiums for every product their stores sell.

Get your dividends — now.

Dealers use dividends for family wealth building and to take advantage of business opportunities. Dividends are taxed at a much lower rate than ordinary personal income.

<start purple>Portfolio dealers take dividends from underwriting profits at their own discretion. We transfer the funds almost immediately upon request. And unlike with many other reinsurance providers, access is just a phone call away.

Become your own lender.

Dealers who own reinsurance companies often borrow against profits earned. The process is typically easier and more straightforward than seeking outside financing, and a well-structured loan can help you stabilize or expand your business.

<start purple>Portfolio dealers can borrow up to 75% of unearned premiums in addition to 100% of earned premiums. And the interest is paid back to your own reinsurance company, not to Portfolio.

Develop your own strategy.

Dealers maximize reinsurance earnings by investing the profits. Some providers place onerous restrictions on how, where and when dealers invest their personal wealth.

<start purple>Portfolio dealers develop their own investment strategies within generous guidelines. We fund investment accounts weekly. We work with dealer counsel, accountants and investment advisors to ensure transparency and compliance.

Keep the profits.

Reinsurance companies allow dealers to build wealth by earning the underwriting profits on the sale of risk-based F&I products as well as derived investment income.

Traditional direct or “walkaway” programs restrict dealer earnings to retail markup, sending underwriting profits to the insurer or your factory.

<start purple>Portfolio starts and manages reinsurance companies that are owned 100% by the dealer — including all underwriting and investment profits — in exchange for a fully disclosed fee.

Our award-winning affiliated reinsurance company (ARC) structure offers control and flexibility and taxation advantages under the 2017 Tax Cuts and Jobs Act.

Develop your own strategy.

Dealers maximize reinsurance earnings by investing the profits. Some providers place onerous restrictions on how, where and when dealers invest their personal wealth.

<start purple>Portfolio dealers develop their own investment strategies within generous guidelines. We fund investment accounts weekly. We work with dealer counsel, accountants and investment advisors to ensure transparency and compliance.

Become your own lender.

Dealers who own reinsurance companies often borrow against profits earned. The process is typically easier and more straightforward than seeking outside financing, and a well-structured loan can help you stabilize or expand your business.

<start purple>Portfolio dealers can borrow up to 75% of unearned premiums in addition to 100% of earned premiums. And the interest is paid back to your own reinsurance company, not to Portfolio.

Get your dividends — now.

Dealers use dividends for family wealth building and to take advantage of business opportunities. Dividends are taxed at a much lower rate than ordinary personal income.

<start purple>Portfolio dealers take dividends from underwriting profits at their own discretion. We transfer the funds almost immediately upon request. And unlike with many other reinsurance providers, access is just a phone call away.

Some say it can’t be done.

Reinsurance providers may discourage reinsuring some products. They may say the risk is too great. But they still encourage dealers to sell those products. So who gets the underwriting profits?

<start purple>The majority of Portfolio dealers reinsure the premiums for every product their stores sell.

Set your own lineup.

Your market and your customers are unique. Selling the right products on your terms is critical to F&I and reinsurance company profitability.

<start purple>Portfolio’s F&I product offering is flexible and customizable to your store’s goals, from rates and terms to benefits and marketing support. Our representatives will work with you to deliver an F&I offering that makes the most sense for your dealership, your customers and your reinsurance company.

Get informed. Stay informed.

Reputable reinsurance providers deliver accurate and coherent reports. You need to know your results, your costs and your progress toward your F&I and wealth-building goals.

<start purple>Portfolio’s quarterly cession reports are the envy of the industry. We deliver a complete financial statement on your ARC and a record of loan status and dividends, plus everything you need to know about how each product is performing, down to the individual claim.

Portfolio works for simple, fully disclosed and competitive fees. We do not take a share of your profits.

Reinsurance drives success.

Your reinsurance company is your personal wealth asset. But a truly successful program will perform for the dealership as well, driving F&I production to new heights and enhancing sales and service retention.

<start purple>Portfolio’s unique net-net remit policy allows you to deduct claims and cancellations rather than wait for reimbursement. Our service contracts include a 40-mile tieback (20 miles in California). Portfolio dealers have a say in critical claims decisions.

These are just a few of the reasons dealers have ranked Portfolio among the industry’s best reinsurance providers in every Dealers’ Choice Awards since Auto Dealer Today added the category in 2008.

Move the F&I needle.

Reinsurance company earnings accelerate with increased F&I production. You need the right products and support to maximize sales and protect more customers.

<start purple>Portfolio agents, managing directors and reinsurance specialists can provide advanced F&I and compliance training and coaching, recruiting and reporting, as well as product design and customization, loyalty programs and new technology.

We understand your business.

Providers fall short when they fail to fully grasp the dealer’s business or protect their rights as a reinsurance company owner.

<start purple>Portfolio is founded on meeting your needs in the showroom, on the lot, in the F&I office and in the service drive. Our team is made up of former dealers, GMs, F&I managers, trainers and others with direct experience working in dealerships. We understand your daily challenges and opportunities and deliver greater value as a result.

We are more than a provider. We are your partner. Our success is measured by your success.