Dealer Participation Programs That Build Long-Term Wealth

Maximize every deal with participation structures tailored to your goals.

At ARK Agency, LLC we don’t just provide F&I products — we help you profit from them. Whether you’re looking for simple, no-risk Retro programs, long-term wealth-building through Reinsurance, or advanced models like NCFCs and DOWCs, we’ll help you choose and implement the right strategy based on your volume, goals, and risk appetite.

Our team provides full support — from setup to compliance — and ensures you understand how your participation model works, when profits are earned, and how to grow them year over year.

Dealer Programs

Retro

  • Low Risk Participation

  • Bonus based on performance, loss ratios, and volume thresholds.

  • Simple, no setup or admin costs, fast payouts.

  • No long-term equity or investment control.

Reinsurance (CFC)

 

  • Long-term equity, tax benefits, and control over claims reserves.

  • Dealer forms a reinsurance company that takes on risk from F&I products sold.

  • Profit comes from underwriting gains and investment income.

  • Full control, wealth-building tool, investment growth, tax advantages.

 

NCFC 

  • Pool risk with others while still participating in profit.
  • Dealer profits are pooled with others in a larger reinsurance entity.
  • Profits are distributed based on participation percentage.
  • Less control, slower access to funds, subject to group performance.

DOWC

  • Highly experienced dealers wanting full ownership and direct underwriting.

  • Dealer creates their own warranty company to directly issue and manage products.

  • Ultimate control and profit potential.

  • Highly complex, regulatory heavy, expensive to operate.

Walk Away

  • Lower volume 
  • No risk
  • Simple, predictable, and immediate cash flow.
  • No participation

Training & Development

Customized Development

“Our agency goes beyond simply providing products—we invest in your team’s success. We offer structured training for F&I managers, sales managers, and even your service team, because we know everyone plays a role in the customer’s experience and the dealership’s profitability.

What makes us different is that we don’t just drop off materials—we roll up our sleeves with you. We provide on-site coaching, strategy sessions, and can even bring in expert trainers from some of our top providers to deliver best-in-class training programs right at your store. Whether it’s compliance updates, product knowledge, objection handling, or maximizing service lane opportunities, we tailor the training to your team’s needs.”