Portfolio Reinsurance is a leading provider of reinsurance and Finance & Insurance (F&I) products, founded on the principle of 100% dealer ownership. The company operates primarily in the automotive industry, serving car dealers who wish to own their reinsurance companies. By doing so, dealers retain 100% of the underwriting profits and investment income, maximizing their earnings. Portfolio Reinsurance leverages a national network of agents, managing directors, and reinsurance specialists to deliver its services. The business model is built around providing control, flexibility, and tax advantages under the 2017 Tax Cuts and Jobs Act through its award-winning affiliated reinsurance company ARC structure. Portfolio Reinsurance serves as the administrator or obligor for a variety of aftermarket products, ensuring compliance with legal and regulatory changes. The company collaborates closely with legal and financial experts and is a longtime member of the National Association of Dealer Counsel (NADC). Revenue is generated through the sale of reinsurance programs and F&I products, as well as through the investment income from the reinsurance companies owned by the dealers.

Keywords: reinsurance, automotive, dealer ownership, underwriting profits, investment income, F&I products, ARC structure, tax advantages, aftermarket products, NADC.