See how behavior unfolds in real time. Our no-code Claim Frequency Curve tool reveals claims frequency and severity. It turns raw data into visual insights anyone can understand—no code, no formulas, just clarity. Build and explore your own curves in three simple steps: Upload your Excel file Choose your data settings (date fields and groupings) […]
You Can’t Afford to Guess Most direct-to-consumer marketers in the vehicle service contract (VSC) and home warranty space know their topline numbers. Sales volume. Cancel rate. Cost per lead. But those numbers don’t tell you what’s really happening. They don’t show you which reps are killing margin, which campaigns are quietly failing, or where your […]
What a spike in your cancellation curve is trying to tell you. Most cancellation curves follow a predictable shape: a small bump in early months, then a slow, steady climb. That’s the norm. But if you’re seeing a sudden spike in Month 3, something is off—and it’s probably not your product. For VSC and home […]
If you’re a VSC or home warranty marketer, tracking cancellations isn’t optional. But if you’re still relying on a single cancellation rate number, you’re missing the full story—and leaving money on the table. A cancellation rate tells you how many customers cancel. A cancellation curve tells you when they cancel—and that changes everything. What is […]
In experience curves, the trajectory of cancellations matters more than the final number. For VSC and home warranty marketers, the timing of cancellations drives profitability. Early cancels destroy cash flow—so don’t just track how many. Track when. Why do early cancellations hurt more? If you’re a VSC marketer or home warranty marketer, you know cancellations […]
If you’re relying on cancellation curves from your payment plan provider—like PayLink, Mepco, or Walco—you’re only seeing part of the story. Those blended curves are useful for tracking total portfolio performance. But they won’t tell you why cancellations are happening. Because they don’t show you the differences that matter. The only way to do that? […]
If you’re only looking at your overall cancellation rate, you’re missing the real story. Cancellation behavior isn’t static. It shifts over time—and across different groups of contracts. That’s why you need to break it down by vintage. “A vintage is a group of contracts that started in the same period—typically a month, quarter, or. It’s […]
The Rule of 78s is a revenue recognition method used in the F&I industry that front-loads earnings—recognizing more revenue in the early months of a contract and less in the later ones. Unlike the Pro Rata method, which spreads revenue evenly across the contract term, Rule of 78s assigns higher earnings to earlier periods based […]
The Reverse Rule of 78s is a revenue recognition method that back-loads the earnings curve—recognizing less revenue in the early months of a contract and more in the later months. It uses the same weighted formula as the traditional Rule of 78s but flips the order, assigning higher earnings to later periods. Unlike Pro Rata, […]
When preparing a company for sale, financial optics matter. For F&I administrators, few metrics carry more weight with buyers than loss ratios—and those ratios are only as accurate as the earnings curve behind them. F&I earnings curve optimization must happen before a company goes up for sale. Here’s a real-world example of how defaulting to […]
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