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The Consator Group

Better F&I.
Bigger Profits.
Happier Customers.

We transform dealership finance offices through expert training, elite F&I products, and dealer-owned reinsurance programs — built on 30+ years of real-world experience.

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30+
Years in Automotive
25+
Years Focused on F&I
US & CA
Dealers Served
A+
Rated Partners
A-Rated Partners
Old Republic Fortegra AmTrust Assurant Axiom Administration Endurance Dealer Services Performance Administration AVP Claims CAP Warranty Waypoint GPS First Choice VSC F&IQ Training VAS
What We Do

Complete F&I Solutions for Your Dealership

From F&I manager training and premium product placement to dealer-owned reinsurance, Consator Group provides everything your finance office needs to perform at its best.

F&I Training & Coaching

The F&IQ program — developed by Lloyd Trushel — teaches the psychology of modern buyers, not outdated word tracks. Your managers will sell more, more ethically, every time.

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F&I Products

A comprehensive portfolio — VSC, GAP, ancillary protection, preloaded products — all backed by A-rated carriers including Old Republic, Fortegra, AmTrust, and more.

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Dealer Reinsurance

Stop giving your F&I profits to a third party. We help dealers structure CFC, NCFC, and DOWC reinsurance programs that build long-term, compounding wealth from the products you already sell.

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F&I Department Analysis

A hands-on, 1.5-hour deep dive into your dealership's F&I performance. We assess your metrics, process, products, and compliance — then deliver a clear action plan to improve PVR.

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Lloyd W. Trushel, Co-Founder of The Consator Group Still in the Box — 30+ Years
About Lloyd Trushel

Does Your Trainer Still Spin Deals?

Lloyd Trushel has over 30 years of automotive experience and 25 years focused specifically on F&I. He's worn every hat — salesperson, F&I manager, finance director, and general manager. He's the author of The Art of F&I and designer of some of the industry's most effective F&I products.

What separates Consator Group from every other training company is simple: we don't teach the same tired word tracks from 40 years ago. Today's buyers arrive with data. They have book values in their pockets and payment calculators on their phones. We teach your managers to truly understand modern consumer psychology — so every conversation builds trust and closes more business.

  • 30 years automotive / 25 years F&I focused
  • Author of The Art of F&I
  • Designer of multiple industry F&I products
  • Former Account Manager at Assurant (Nasdaq: AIZ)
  • International trainer across US & Canada
  • Active F&I practitioner — still in the box
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Dealer Wealth Building

Your F&I Products Should Build Your Wealth

Most dealers are handing their F&I underwriting profits to a third party every single month. Dealer reinsurance programs let you own the risk — and capture the reward. We structure CFC, NCFC, and DOWC programs that turn your dealership's F&I volume into compounding, tax-advantaged wealth.

CFC

Controlled Foreign Corporation

The most common entry-level reinsurance structure. A foreign corporation reinsures the risk on your F&I products, accumulating reserves and investment income in a tax-advantaged offshore entity.

NCFC

Non-Controlled Foreign Corporation

A step up from CFC — with stronger tax protections and the same profit-building mechanics. Ideal for mid-volume dealers ready to maximize the financial benefits of their F&I portfolio.

DOWC

Dealer-Owned Warranty Company

Maximum control. The dealer principal forms a domestic C-corporation and becomes the licensed obligor of service contracts — capturing underwriting profit directly with full transparency.

Retro

Retrospective Programs

A simplified profit-participation structure. No offshore entity required — the administrator returns a portion of unearned premiums at the end of a period based on actual claims experience.

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Our Partners

Backed by the Industry's Strongest Carriers

Every product we recommend is backed by an A-rated insurance carrier. We only represent programs we'd trust with our own families.

Old Republic Insured Automotive Services Old Republic
Fortegra Fortegra
AmTrust Financial AmTrust
Assurant Assurant
Axiom Administration Axiom Administration
Endurance Dealer Services Endurance DS
Performance Administration Corp Performance Admin
AVP — Advanced Vehicle Protection AVP Claims
Waypoint GPS Waypoint GPS
CAP — Consumer's Advantage Program CAP Warranty
First Choice Car Care First Choice VSC
F&IQ Training & Development F&IQ Training
VAS — Vehicle Admin Services VAS

Ready to Transform Your F&I Department?

Book a free 1.5-hour F&I Department Analysis. We'll review your numbers, your process, and your products — and show you exactly where the opportunity is.

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