Renewals and Renewal Billing Procedure


About 45 days prior to the renewal date, we send the customer and all other interests listed on the policy a renewal certificate (Declarations page) and a premium notice.  The premium notice offers a full-pay or 5-pay payment plan.  The 5-pay plan is five equal installments (no service fee).  The first payment is due before the renewal date.  The second payments are billed about 45 days after that. The remaining 3 installment payments are billed out 72 days apart.  With the installment plan, the total premium will be fully paid after about ten months of coverage.

If a policy is cancelled before or on the policy expiration (renewal) date, the offer to renew is withdrawn.