Retro

Protective’s retro programs can help increase profits from the Protective Asset Protection products you sell. A dealer is paid a portion of underwriting profits that exceed a threshold as business earns out.

Payments are made directly to the dealership. The payments on the underwriting payments are made once per year, 90 days after year-end. With our retro program, you do not assume any risk. You participate only in the profit.

Reinsurance CFC

Level III

The Enhanced CFC

• Our most robust CFC offering
• Greater loan flexibility
• Provides accelerated access to cash

Level II

The Enhanced CFC

• Industry-leading offering
• 30+ years of experience
• Over $400M distributed to shareholders*

Level I

The New Value Plan

• Same great coverage with a discounted admin fee
• Structured to maintain margins
• Bundle with GAP and ancillary products for an even lower fee

Reinsurance NCFC

Under the NCFC, the dealer owns stock in the reinsurance company with many other participants. NCFCs often have the financial strength to produce long-term economic benefits.

Dealer Owned

Dealer Owned Warranty Company

This is a unique opportunity for dealers to actually own their own warranty company.

USWC facilitates the setup and provides the day-to-day support of the DOWC’s operations, completely relieving the dealer from any administrative burden while providing the opportunity to capitalize on the underwriting profits and investment income with no risk to dealership assets or dealer owner.