Enhanced Reinsurance Solutions for RV Dealers

Sales of extended service contracts and warranties on towables and motorized RVs are a critical source of revenue for RV dealers. Unfortunately, this revenue is generally taxed as ordinary income. Effective long-term management of required reserves and surplus funds is necessary to getting the most out of this revenue stream.

Darnall Sikes Wealth Partners offers RV dealers a better, more tax-sensitive dealer reinsurance solution. Warranty revenue flows into the dealer’s own reinsurance company. Required reserves are invested according to an Investment Policy Statement provided by a trustee. As premiums earn out, they can be transferred to a separate surplus account managed directly by the dealer as trustee with greater investment flexibility.


Our reinsurance program stands out. Our custom-built reinsurance solutions give RV dealers the ideal combination of investment flexibility and streamlined management. We will help you determine your long-term wealth goals and then plan and manage your reinsurance cash flow to meet them.


RV dealers and their independent agents benefit from our reinsurance solutions:

  • Dealers — We work with more than 275 automobile dealers across the United States, helping them maintain their premium reserves in dedicated accounts. We proactively consult with our reinsurance clients. Unlike some other reinsurance investment programs, we work directly with RV dealers to plan for their cash flow needs and long-term wealth accumulation goals. We are mindful of tax implications and tailor our strategies accordingly.
  • Independent Agents — We help you manage your RV dealer customers’ investments in their reinsurance companies. We’ve been helping dealers and agents like you in this way for over 10 years and have expertise in this unique niche. We offer you hassle-free, expedited service and responsiveness so you can also provide excellent service to your dealers. Our experienced reinsurance specialty team will provide timely service, an efficient process for managing reinsurance assets, and the holistic financial advice you and your clients deserve.


When you work with the Darnall Sikes Wealth Partners reinsurance team, you benefit from the operational efficiencies and processes of Avantax, our broker dealer and premier partner to professional CPA wealth management firms across the United States. Avantax, with over $76 billion* in assets under administration, employs approximately 300 experienced financial professionals in its Dallas, Texas headquarters and delivers industry-leading technology resources to its partners. As a result, our reinsurance solutions for RV dealers allow for expedited document processing and account opening.

Darnall Sikes Wealth Partners works hard to achieve our reinsurance program service-level goals:

  • Account set-up within 24 hours of receiving signed paperwork
  • Credentialed, independent reinsurance specialists who serve only your interests
  • 24/7 online account access and performance reporting
  • High-quality, responsive service for dealers and their agents
  • A comprehensive suite of wealth management services including financial planning, legacy planning, retirement, insurance and much more


Our experience in doing business with reinsurance companies allows us to provide RV dealers with institutional-quality, tax-smart solutions for managing the assets within their reinsurance companies. To learn more, please contact us.

*value as of December 31, 2020