What does the Reinsurance Performance Estimator do?
It runs two pro formas side by side on your own production. The default view compares your current reinsurance structure against an Elite FI proposal, reinsurance against reinsurance, so you can see what the difference in cost structure is worth over a five year writing period plus runoff. A second view compares reinsurance against a retro profit participation program if you are still choosing between the two. Every figure is an estimate, not a guarantee.
Why does only the admin fee change between the two columns?
Because that is the honest comparison. Your contract volume, premium, loss ratio, term and investment rate describe the same book of business under either structure, so they are entered once and mirrored into both columns. What differs between programs is the cost structure sitting on top of that book. Isolating it is the point: it shows exactly what the fee is worth, without a friendlier loss ratio quietly doing the work.
How is the Elite FI admin fee set?
By volume. The per-contract administration fee steps down as monthly contract count rises, across four bands from 1 to 24 contracts a month through 100 or more. The estimator applies the band your entered volume falls into and shows which one it used. Change the contract count and the fee, the net premium into the captive, and the projected pretax all move with it.
Are these numbers guaranteed?
No. Every figure is an estimate based on the inputs you provide. Actual results depend on claims experience, reserves, product mix, pricing, fees, and the structure you choose. The estimate is a starting point for a conversation, and final decisions should be reviewed with qualified tax, legal, accounting, and reinsurance professionals.
What is the runoff period?
Reinsured contracts keep earning premium and paying claims after they are sold, across the length of their term. The writing period covers the years you are selling new contracts, and the runoff period covers the tail as the last contracts finish earning. The estimator includes both so the picture is complete.
What is the difference between reinsurance and retro?
Reinsurance means the dealer owns or participates in the company that holds the reserves and keeps the underwriting profit and investment income. Retro is a profit participation agreement where the dealer shares in profitability after claims, without forming a company. Switch the estimator to the structures view to see both on your numbers, and read more on the Retro and CFC pages.
How accurate is the estimate?
The engine mirrors the same pro forma model Elite FI uses internally, including the pro-rata earn-out of premium over the contract term, and the comparison view is the same calculation our team runs in the CRM. It is accurate for the inputs given, but it uses simplifying assumptions. A custom review using your real production and statements is the right next step.
