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ProfitLiNK Specializes in Underwriting
Participating Programs for Your Dealership

ProfitLiNK Specializes in Underwriting Participating Programs for Your Dealership

Participation Forms We Can Deliver … What's Best for You?

Retro

Almost all dealers can qualify for this type of participation model with a level of production of 10 VSCs per month or greater, regardless of makes sold

Inverted Retro

With previous loss history, we can sometimes pull forward the majority of underwriting profit to being paid out the month after contracts were written instead of waiting 4-5 years for those same contracts to earn out

DOWC

The acronym means Dealer Owned Warranty Company. This type of structure has significant tax and use of funds advantages, at least in the first 7-8 years. These companies are domestically domiciled.

CFC

Controlled Foreign Corporations are formed offshore, but immediately elect to be taxed as a small insurance company as a US Taxpayer. Money stays in domestic banks. This is the most common of dealer owned participation models.

CFC with Advance Profit

Much like the inverted retro described above, this structure allows for early access to underwriting profits as long as historical losses can be proven. These early releases of underwriting profit are still housed in the tax preferred environment of the CFC.

NCFC

Non-Controlled Foreign Corporations are comprised of multiple dealer members (11 or more) and funds are held offshore. This solution is used with very large volume that exceeds the “small insurance company” regulations.

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