Why Dealers Choose MZ Dealer Services?
The Trusted Independent Advisor for Automotive Reinsurance, Wealth Building, and F&I Strategy
For more than 26 years, MZ Dealer Services has helped automobile dealers build wealth, reduce taxes legally, maximize F&I profitability, and protect their businesses through customized reinsurance programs.
Unlike administrators, insurance companies, CPA firms, or law firms, we work for one client—the dealer.
Our job is to help you make informed decisions that maximize your long-term enterprise value, not sell a particular product or structure.
Whether you're establishing your first reinsurance company or optimizing an existing one, we provide independent advice based solely on what's in your best interest.
Why Not Buy Directly From an Administrator?
Many administrators offer reinsurance programs directly to dealers.
There is nothing inherently wrong with that—provided you understand one important fact.
The administrator represents the administrator.
Their objective is to sell their products and services.
An independent consultant represents you.
Just as most successful dealers use independent attorneys instead of relying solely on the manufacturer's legal department, reinsurance deserves independent oversight.
We help evaluate:
• Program design
• Investment options
• Fees
• Claims administration
• Underwriting
• Product selection
• Compliance
• Exit strategies
Our role is to ensure every recommendation benefits the dealership—not the administrator.
Why Use an Independent Reinsurance Agency?
Reinsurance is one of the largest wealth-building opportunities available to automobile dealers.
Yet many dealers spend more time negotiating the purchase price of a coffee machine than evaluating a multi-million-dollar reinsurance structure.
An independent agency provides:
• Objective advice
• Access to multiple administrators
• Competitive fee comparisons
• Investment flexibility
• Product evaluation
• Ongoing strategic guidance
• Independent advocacy
Instead of being limited to one solution, you receive recommendations tailored specifically to your dealership.
Why Use a Reinsurance Consultant?
Most dealers establish a reinsurance company once.
The consequences of making the wrong decisions can last decades.
A qualified consultant helps answer questions such as:
• Should I own my own reinsurance company?
• Which domicile makes the most sense?
• Should I use dealer obligor or administrator obligor products?
• Which F&I products belong in reinsurance?
• What investment strategy should I use?
• Should I use an 831(b) election?
• How should succession planning work?
• What happens when I sell my dealership?
• How should distributions be handled?
Good advice today can be worth millions over the life of a dealership.
Why Work With Us Instead of Relying Solely on a CPA?
CPAs are essential.
We work with them regularly.
However, most CPAs are tax experts—not automotive reinsurance specialists.
Their expertise generally includes:
• Tax returns
• Financial statements
• Tax planning
• Entity structures
Our expertise includes:
• Automotive F&I
• Reinsurance structures
• Dealer wealth-building strategies
• Product profitability
• Claims performance
• Investment policy
• Dealership operations
• Administrator selection
• Fixed operations profitability
• Enterprise value creation
Your CPA should be part of your advisory team.
They should not have to become an automotive reinsurance expert.
Why Are We Different?
Most firms specialize in one area.
We understand the entire dealership.
That matters because reinsurance affects far more than F&I income.
It impacts:
• Dealership profitability
• Tax planning
• Cash flow
• Exit planning
• Estate planning
• Fixed operations
• Customer retention
• F&I product strategy
• Dealer wealth creation
Our founder, Max Zanan, has spent more than two decades inside dealerships—not simply advising from the outside.
As the author of multiple books on dealership management, F&I, and reinsurance, he understands how every department contributes to long-term success.
That practical experience allows us to provide recommendations that work in the real world.
How Are We Compensated?
Transparency matters.
Depending on the engagement, we may be compensated through:
• Consulting fees
• Agency commissions
• Administrative revenue sharing
• Ongoing advisory agreements
Before any engagement begins, compensation is fully disclosed.
Our objective is to create long-term relationships built on trust—not one-time transactions.
Frequently Asked Questions
Do I need reinsurance if I only have one dealership?
Yes.
Many single-point dealers successfully utilize reinsurance as a wealth-building and tax-planning strategy.
Is reinsurance only for large dealer groups?
No.
Many independent dealerships generate significant long-term value through properly structured reinsurance companies.
Can I change administrators later?
Often, yes.
However, planning ahead can make future transitions significantly easier.
Can you review my existing reinsurance company?
Absolutely.
Many dealers ask us for a second opinion on existing structures, investment strategies, administrator relationships, and overall performance.
Do you work with my CPA and attorney?
Yes.
We believe the best results occur when your advisor team works together.
Can you help if I'm selling my dealership?
Yes.
Exit planning is one of the most overlooked aspects of reinsurance.
We help dealers understand how reinsurance fits into mergers, acquisitions, succession planning, and dealership sales.
Do you only work with franchise dealers?
No.
We work with both franchise and independent dealerships.
Can you help improve my F&I profitability?
Yes.
Reinsurance is only one component of dealership profitability.
We also advise on F&I products, product mix, pricing strategy, wealth-building, customer retention, and operational best practices.
Ready to Build Long-Term Wealth?
Choosing the right reinsurance advisor isn't simply about forming another company—it's about creating a long-term strategy for wealth creation, tax efficiency, and dealership value.
At MZ Dealer Services, we combine decades of dealership experience with specialized expertise in F&I, reinsurance, and fixed operations to help dealers make informed decisions with confidence.
Whether you're evaluating your first reinsurance company or looking for an independent review of your existing program, we're here to help.
Schedule a confidential consultation today and discover why dealers across the country trust MZ Dealer Services as their independent reinsurance advisor.
