YOUR PERSONAL WEALTH ASSET

Portfolio helps dealers earn underwriting and investment profits through fully owned reinsurance companies, offering control, flexibility, and tax benefits under the 2017 Tax Cuts and Jobs Act.

YOUR INVESTMENT INCOME

Dealers maximize reinsurance earnings by investing earned and unearned premiums. Unlike other providers with strict investment restrictions, Portfolio allows dealers to create their own strategies within flexible guidelines. We fund accounts weekly and collaborate with counsel, accountants, and advisors to ensure transparency and compliance.

DEALER LOAN POLICY

Dealers who own reinsurance companies can borrow against profits, often more easily than seeking outside financing. Portfolio dealers can borrow up to 75% of unearned premiums and 100% of earned premiums, with interest paid back to their own reinsurance company, not to Portfolio.

ACCESS TO PROFITS

Dealers use dividends to build family wealth and seize business opportunities, benefiting from lower tax rates. Portfolio dealers can take dividends from underwriting profits at their discretion, with funds transferred almost immediately upon request—just a phone call away.

PROFIT-BUILDING AGENCY SERVICES

Reinsurance earnings grow with increased F&I production, and the right products and support are key to maximizing sales and protecting customers. Portfolio offers F&I training, coaching, recruitment, reporting, product design, loyalty programs, and new technology to support dealers.

EVERY PRODUCT REINSURED

Reinsurance providers may discourage reinsuring certain products due to perceived risk, but still encourage dealers to sell them. So, who keeps the underwriting profits?

Most Portfolio dealers reinsure premiums for every product they sell.

FLEXIBLE AND CUSTOMIZABLE

Your market and customers are unique, so selling the right products on your terms is key to F&I and reinsurance profitability.

Portfolio offers flexible, customizable F&I products, from rates and terms to benefits and marketing support. Our representatives work with you to create an F&I offering tailored to your dealership, customers, and reinsurance company.

UNIQUE STORE BENEFITS

Your reinsurance company is a valuable asset that drives F&I production and sales retention.

Portfolio’s net-net remit policy lets you deduct claims and cancellations, and our service contracts include a 40-mile tieback. Dealers also influence key claims decisions.

That's why Portfolio has ranked among the best reinsurance providers in Dealers' Choice Awards since 2008.

TRANSPARENCY AND TRUST

Reputable reinsurance providers deliver 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.

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.

WORK WITH CAR PEOPLE

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

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.

DEALER SUCCESS STORIES

Dealers use reinsurance companies to build wealth — often far more than they dreamed possible. With added capital comes the power to change lives, and not just your own.

Click here to read about Portfolio dealers who have put their newfound wealth to good use, within and outside their businesses.

PORTFOLIO HAS A HISTORY OF SUCCESS.

Portfolio was founded on the principle of 100% dealer ownership.

Founded in 1989 and headquartered in Lake Forest, Calif., with offices in Dallas, Texas, and Strongsville, Ohio, Portfolio facilitates the formation and management of reinsurance companies for auto, RV, motorcycle and powersports dealers in exchange for fully disclosed fees. We deliver award-winning programs and products and industry-leading reporting and agency support.

You own your reinsurance company and 100% of the underwriting profits and investment income it generates.

BUILD WEALTH WITH

TAX-ADVANTAGED INCOME

REINSURANCE IS

NOT ALL THE SAME

Reinsurance profits earned by Portfolio dealers to date*

LEARN MORE ABOUT PORTFOLIO’S

AWARD-WINNING PROGRAM