Sign the dealer. Then stay with them.

What a sub-agent actually is.

Elite FI Partners is an F&I agency. Dealerships hire us to build the back end of their business: the products they sell after the vehicle deal is made, the reinsurance structure that lets them keep the underwriting profit on those products, and the training that gets their finance managers producing.

A sub-agent is the person carrying that to market. You work under the Elite FI Partners name, with our administrator relationships, our rate structures, and our back office behind you. You are independent — a 1099 contractor running your own book — but you are not on your own.

The distinction that matters most: we do not hire people to hand off a signed dealer and walk away. The agent who signs the store is the agent who services it. That is the whole model.

Half of this job is sales. The other half is support.

The sales half. Prospecting franchise and independent rooftops in whatever markets you decide to work. Getting in front of dealer principals, GMs, and finance directors. Reviewing a store's trailing twelve and showing them, with real numbers, what their back end should be producing. Presenting the product slate, the reinsurance structure, and the training program. Walking the agreement through to signature.

The support half. Onboarding the store — paperwork, rate forms, administrator setup, product configuration. Regular service visits once they are live. Sitting with finance managers who are struggling with a product or a menu. Delivering reinsurance statements and walking the dealer through what the loss ratio is telling them. Being the person the store calls when something goes sideways with a claim or a contract.

If you like the hunt but not the follow-through, this is the wrong seat. The renewal income in this role exists precisely because the accounts stay.

A full program, not a single product.

You are not walking in with one product and a rate sheet. The conversation you get to have with a dealer covers:

• F&I product slateVehicle service contracts, GAP, and the ancillary products that fill out a menu — across auto, powersports, RV, and marine. See the slate.
• Dealer reinsuranceThe structures that let a dealer participate in the underwriting profit and reserves on the products they sell, instead of handing all of it to an administrator. How reinsurance works.
• F&I trainingOur Adaptive Training curriculum for finance managers — menu presentation, objection handling, compliance. See the curriculum.
• NextGen Virtual F&IFor stores that cannot staff a finance office, a remote certified F&I team that runs the back end for them. How NextGen works.

That breadth matters when you are prospecting. A store that says no to a product change will often say yes to a reinsurance conversation, or to training, or to virtual F&I coverage — and each of those is a door into the rest.

The infrastructure behind your name.

An independent agent working alone spends most of their time on things that are not selling. We have already built those things:

• ✓Administrator relationships and negotiated rate structures across every product line, so you are quoting real numbers on day one.
• ✓Pro forma modeling — we build the projection that shows a dealer what their program should produce against their own trailing twelve.
• ✓Rate request forms, contracts, and onboarding paperwork generated for you, not filled out by hand.
• ✓Elite OS, our CRM: your dealer pipeline, contacts, activity history, agreements out for signature, and your commission detail in one place.
• ✓Reinsurance administration — trust setup, ceding statements, and the loss-ratio reporting you deliver back to the dealer.
• ✓Training delivery for the stores you sign, so you are not the only one carrying the coaching load.
• ✓Commission transparency: you see the statements the money comes from, not just a number.

Paid on production, and on persistence.

This is a 1099 independent-contractor position. You are paid a commission on the business your dealerships produce, and you continue to earn on those accounts as long as they remain yours and remain active. There is no salary, and there is no cap.

The specific splits depend on the product line, the administrator, and the structure of the deal, and we go through them in detail during the interview — including what the first six to twelve months realistically look like while a book is being built. We would rather have that conversation with real numbers in front of both of us than publish a headline figure that means nothing.

What we will say plainly: this role rewards patience. A dealership signed in month two is still paying you in year four if you take care of it.

Who does well here — and who does not.

This works if you have spent time in a finance office or on the agency side and know what a menu, a reserve, and a loss ratio actually are; you are comfortable prospecting cold and being told no; you can hold a room with a dealer principal and also sit patiently with a new finance manager; and you can run your own week without anyone assigning you a route.

This does not work if you need a base salary to start, want leads handed to you, or are looking for a referral fee for making an introduction. Existing dealer relationships are a real advantage, but they are not a requirement — the requirement is that you are willing to go build them.

Licensing requirements vary by state and product line. If you are not currently licensed where you need to be, tell us on the application; it is a solvable problem, not a disqualifier.