F&I Agents

F&I Agents: Show Your Dealers Where Reinsurance Profit Is Leaking

F&I agent analytics tools

Dealers care about one thing: how much they’re making off reinsurance.

But most reports stop at the surface—claim totals, loss ratios, earned premium.

They don’t reveal what’s driving those losses. That’s where you come in. With the Claim Frequency Curve, you can show them exactly what’s behind the numbers—at the store, vehicle, and product level

  • Are 2024 F-150s claiming more than 2023?
  • Is Rosemont running higher severity than Northfield?
  • Are certain products crushing profitability?

This is how you move from vendor to advisor—and how your dealers protect the business that builds their net worth.

Claims Frequency Curves

Instant visibility into claim patterns—no code, no formulas.

The Claims Frequency Curve tool builds Earnings Curves and Claim Frequency Curves in seconds, using your raw data—by count or dollar amount. This warranty administrator analytics tool quickly track how claims emerge over time—month by month—aligned by origination date.

Use the output to build an Earnings Curve and support accurate Loss Ratio calculations, reserve planning, and pricing.

Easily compare claims frequency by product type, contract term, agent, administrator, vehicle, or any field in your file.

Identify early spikes, long-tail claims, and partner-level differences in just a few clicks.

Minimum required columns:

  • Origination Date
  • Origination Amount ($)
  • Claim Date
  • Claim Amount ($)
  • Contract Term
  • Date of Data Download

Have more fields? Great. Filter by anything: Product, Plan, Agent, Marketing Client, State, Vehicle Type, Finance Company, and more.

It has never been easier to create an earnings curve based on your experience.

DO YOU WANT TO KNOW?

  • How can I prove that one of my dealerships is putting through a high volume of early claims?
  • Should the earnings curve for loss ratios change based on claim frequency or timing?
  • When do most claims occur—early in the contract, or later?
  • Which products or plans are generating the most frequent claims?
  • How do claims frequency patterns differ across states or vehicle types?

If the data’s in your file, the answers are just a few clicks away.

Easy to Use To Build a Claims Frequency Curve

  • Upload your Excel file
  • Choose your filters
  • View the graph instantly
  • Download your results

No coding. No formulas. No data science degree required.

Just fast, clear answers—ready in seconds.

Benefits

TIME

Build a curve with filters in under 60 seconds

Skip the 10+ hours it takes to do it manually in Excel

ACCURACY

Remove human error with automated calculations

Trust every curve—logic is transparent and repeatable

FLEXIBILITY

Filter on any field in your dataset

Works with your structure—no need to reformat files

Ready to improve reinsurance profitability?
Upload your data. See what is claiming and when. Fix it fast—with no-code analytics built for F&I Agents
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