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David Wheelock

Your Trusted Partner for F&I Reinsurance and Investment

AutoXcel provides expert Reinsurance and Investment programs and a comprehensive suite of F&I products designed to deliver substantial tax advantages and maximize investment returns for Dealers.



Experience The AutoXcel Difference

AutoXcel promises partners a substantial depth of industry experience and a proven track record of unmatched service and integrity — all with the sole mission of driving partner revenue.


  • 20+ Years Driving Dealer Growth

  • A Portfolio of Over 30 Innovative F&I programs

  • Created the First True “Bundle” Programs

  • Dedicated On-Site Attorneys and Compliance Specialists

  • Comprehensive Contractual Liability Insurance Policies with A- or Higher Rated Carrier



A Commitment to Personalized Support

The larger providers may take your business for granted and the smaller providers may not be equipped to realize your growth potential. AutoXcel is unique and takes an experienced and hands-on approach to growing your business.


  • Industry-Leading Claims — 100% In-House

  • Absolutely No Third-Party Delegation

  • ASE Certified Technicians on Staff

  • Astute and Transparent Financial Management

  • Knowledgeable In-Field Sales and On-Call Claims Support

  • Full Accounting and Compliance Teams for Speedy Turnarounds



Structure a Winning Reinsurance Program

AutoXcel knows that the details matter when it comes to business structure and compliance. Count on us to build and manage your successful Reinsurance Program.


  • Precise Dealer Reinsurance Set Up (i.e., Delaware Tribe or Turks & Caicos based on Dealer preference)

  • Full Compliance with Internal Revenue Service Code 26 USC $$ 831(b) and 953(d) and Internal Revenue Bulletins 

  • Year-End Tax Support and Reporting for Reinsurance Entity

  • AutoXcel Helps You Navigate Tax — Capital Gains, Offshore, and Income Tax Deferrals



A Reputation for Integrity and Transparency

Doing right by our partners is central to the DNA of our company. AutoXcel delivers transparency regarding fees and terms.


  • Straightforward Disclosure of AutoXcel Admin, Insurer Fee (Ceding Fee), and Insurance Premium Tax (IPT)

  • No Add-On or Hidden Claims Fee, “Other” Fee, or Any Cost You Don’t Know from the Start

  • No Surprises!



Trusted Partnership and Investment Earnings

When you partner with AutoXcel, all reserves are deposited into a Trust Reserve on behalf of the Dealership, where preservation and growth of reserve funds is the primary goal.


  • AutoXcel Protects the Dealer’s Funds from Excessive Claims

  • AutoXcel Maximizes the Investment of Reserve Funds with Truist Account Management Assistance

  • Predictable Investment Percentage Return (%)

  • Monthly or Quarterly Cession Statements Delivered Based on Dealer Preference



Performance You Can Count On

Leverage the AutoXcel team, in-house and in the field to sustainably grow your dealership’s F&I Sales while generating more Trust Reserves and income.


  • Regular Performance Reviews with AutoXcel

  • Evaluation of F&I Program Performance to the Benefit of Dealer’s Reinsurance Investment Goals

  • Product Selection is Always the Dealer’s Decision (Understanding that Program Volatility Exists)



Why AutoXcel is the Right Reinsurance Partner

  • We’ll Maximize Your Investment Return in a Sound Business Structure

  • You’ll Benefit from our Over 20 Years of F&I Expertise and Proven Dealer Growth

  • Our Expert Staff of Claims, Accounting, Compliance, and Sales Support Professionals are On-Call

  • You can Count on Simple, Straightforward Costs

  • We’ll Bolster Your Dealership with your Choice of our Over 30 Stellar F&I Programs



Contact us today to learn how AutoXcel can transform your Reinsurance and Investment opportunity.




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