Issue No. 10 | June 9, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Two-Problem Fallout THE NUMBER: 31-45 DAYS The typical gap between contract execution and a customer’s first scheduled payment in DTC VSC installment programs is 31 to 45 days. That window is where a contract […]
Issue No. 10 | June 9, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Unfunded Contract Exposure Outside Your Loss Development THE CURVE: $1.561 TRILLION The Federal Reserve G.19 release from May 7, 2026 puts motor vehicle loans outstanding at $1.561 trillion as of March 2026. DTC VSC […]
Issue No. 9 | June 2, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Loan Term Extension and the Urgency Window THE NUMBER: 69 Months The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in Colonnade […]
Issue No. 9 | June 2, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE VEHICLE MARKET NUMBER: 69 MONTHS The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in Colonnade Advisors’ March 2026 Direct-to-Consumer Vehicle Service Contract Industry Analysis. […]
Issue No. 9 | June 2, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: What 69-Month Paper Does to Your Reserve Position THE CURVE: 69 Months The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in […]
Issue No. 7 | May 19, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE NUMBER: $2.9M $2.9 million is the 2026 IRC §831(b) annual premium volume threshold, up $50,000 from the 2025 limit of $2.85M, per IRS Rev. Proc. 2025-32. A Dealer Owned Warranty Company with annual premium volume below that level […]
Issue No. 7 | May 19, 2026 For warranty administrators who manage loss ratios, reinsurance, and contract performance. This Week: The Participation Spectrum And Its Reserve Implications THE CURVE: $2.9M $2.9 million is the 2026 IRC §831(b) annual premium volume threshold for small P&C company tax treatment, per IRS Rev. Proc. 2025-32, up from $2.85M […]
Issue No. 7 | May 19, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Structure Behind Your Administrator’s Claims Exposure THE NUMBER: $2.9M $2.9 million is the 2026 IRC §831(b) annual premium volume threshold for small P&C company tax treatment, per IRS Rev. Proc. 2025-32, up from $2.85M […]
Issue No. 6 | May 12, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Structure Behind Your Admin’s Guarantee THE STATISTIC: B+ B+ is the AM Best financial strength rating that states generally require of Contractual Liability Insurance Policy insurers, the entity that backs many VSC, GAP, and […]
Issue No. 6 | May 12, 2026 Intelligence for F&I agents, administrators, and dealership finance professionals. THE STATISTIC: B+ B+ is the minimum AM Best financial strength rating that states generally require of Contractual Liability Insurance Policy insurers, the carrier that backs many VSC, GAP, and ancillary protection products sold at the dealership. That threshold […]