We audit your reinsurance documents, benchmark your fee structure against verified market rates, and deliver findings your administrator cannot dispute. No upfront cost.
Built to read every major F&I reinsurance administrator
Aggregated findings from agreements scanned by Sift to date.
Sift's parsers cover every major F&I reinsurance administrator: JM&A, GSFS, Safe-Guard, ABIC, AUL, TARIC, and others. Each document is normalized into SiftLedger, Sift's canonical data schema.
Every extracted fee is measured against the Sift Benchmark Grid, a proprietary market-rate database structured by administrator, product type, volume tier, and service level. The Grid compounds with every document Sift processes.
Fee schedule deviations quantified against market benchmarks. Contractual gaps between what is written and what is charged. Savings by product line. Trend analysis across reporting periods. Every finding grounded in verifiable data.
Send your reinsurance documents to Sift. Cession statements, trust reports, experience analyses, claims reports. Any administrator, any format.
Sift identifies your administrator, extracts every line item, maps it to the canonical ledger, and benchmarks each fee against verified market rates for your volume tier and product mix.
Receive a Sift Report Card with specific fee schedule deviations, quantified benchmark variances, and the intelligence to act on them.
The Sift Report Card translates fee opacity into specific, sourced findings. Every variance is tied to a clause, a line item, and a benchmark comparable.
Verify what your administrator is actually charging across every product line. Catch fee deviations before they compound across thousands of contracts.
A clean reconciliation between contract terms, cession statements, and trust reports. Audit-ready findings, defensible benchmarks, board-grade reporting.
Standardized captive intelligence across every rooftop in the portfolio. Diligence-ready in days, not quarters. Same schema, every administrator.
"I have spent twenty years auditing F&I reinsurance programs. The dealer never sees what the administrator is actually doing. Sift is the first tool that puts that visibility in the dealer's hands directly."
No audit fee. We share in your savings. No retainer. No referral fees from your administrator.
One-time audit covering current agreement, four quarters of cession statements, and full Benchmark Grid comparison. Sift Report Card delivered within 5 business days.
We only earn the contingency when Sift findings translate into renegotiated dollars in your captive. We are paid because you are paid.
Continuous ingestion of every new cession statement and trust report. Quarterly Report Card refresh. Drift alerts when fees move outside benchmark bounds.
Upload your administrator agreement. Sift identifies missing provisions, flags compliance gaps, and returns findings within 24 hours. No administrator cooperation required.
Scan Your Agreement