Strategic Reinsurance. Structured Wealth.

Designed for owners who think generationally.

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 wealth.

CareGard® approaches protection programs differently.

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

WEALTH ARCHITECTURE

How disciplined program structure builds long-term dealership value.

Program Structure

Disciplined underwriting, clear product design, and transparent pricing create the foundation for stable long-term performance.

Income Development

Strategic F&I income development programs designed to grow revenue while protecting customer trust.

Customer Lifetime Value

Protection products connect the dealership to its customers long after the sale, strengthening service retention and loyalty.

Performance Visibility

Program performance and financial outcomes are tracked, reported, and improved through disciplined reporting and technology.

All of it is designed to support something larger – the creation of long-term, generational dealership wealth.

"Dealership wealth is not built through short-term income spikes.
It is built through disciplined systems that perform year after year."

A CONVERSATION WORTH HAVING

CareGard® has spent more than three decades helping dealer owners structure wealth-building programs aligned with their long-term goals.

No two dealerships are the same. Ownership structure, risk tolerances, 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 Wealth Advisor Team works directly with dealer principals in confidential conversations designed to explore the options that fit their business and legacy.

MULTIPLE PATHS

Built for Different Ownership Goals

Some dealers prioritize income now. Others focus on long-term wealth creation and control.

Structured for Your Risk Comfort

We tailor our approach to your risk personally shaped over the right balance of retention, complexity, and operational involvement.

Aligned to Your Long-Term Vision

Whether your focus is current income, enterprise value, succession, or generational wealth, we 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 wealth.

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
EOMC reporting requirements when applicable

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.

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