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 remaining four payments are billed about 55 days apart. With the installment plan, the total premium will be fully paid after about eight months of coverage.

If a policy is cancelled before or on the policy expiration (renewal) date, the offer to renew is withdrawn.