Questions Commonly Asked Concerning Uniplan Billing

WHAT IS UNIPLAN?
Uniplan is Pekin Insurance’s monthly account payment plan. We will bill your Personal, Commercial, and Life Policies together on one statement, spreading the cost of all your insurance business into monthly installments.

WILL MY MONTHLY PAYMENTS EVER CHANGE?
Yes. If the cost of your insurance changes, your monthly payments will change. If you make a change to your policy that increases or decreases your insurance premiums, we will adjust any future invoices that have not been billed. This is why it is always best to pay the billed amount even if you know there is a change being made.

IS IT REALLY A PROBLEM THAT MY PAYMENTS ARE LATE? YOU DO GET THEM EVENTUALLY.
Yes. Unfortunately, we have additional expenses when accounts are not paid on time and the policies are cancelled for non-payment. It is unfair to our other policyholders to incur these costs. Therefore, if your account cancels excessively in any 12-month period, we will no longer be able to offer you a monthly payment plan. Of greater importance to you is the fact you will be without insurance coverage for periods during these 12 months which could prove to be very costly.

IF I AM GOING ON VACATION, CAN I MAKE MY MONTHLY PAYMENTS EARLY?
Of course. If you pay in advance, we will automatically apply it to your future billings when they come due, and you will not receive an invoice until there is an amount due.

WHY DO I HAVE TO PAY A MONTHLY SERVICE FEE?
There are additional costs involved with a monthly billing plan that is not added in the basic cost for your insurance coverage. To compensate, we include with each monthly billing a $4 service fee to cover these costs.

CAN POLICIES BE ADDED OR REMOVED FROM MY ACCOUNT?
Yes. Please contact your agent at any time to make these arrangements.

I DON’T LIKE WRITING CHECKS. ARE THERE ANY OTHER OPTIONS?
Yes. With our Pre-Authorized Payment Plan, you can select your due date and have your bank transfer your payment to us monthly without having to write a check. You can save money by eliminating your monthly service charge and postage, a savings of over $52 per year. Your agent has more information regarding this payment option.

You can also pay online from a bank account using a one time Electronic Funds Transfer (EFT).

You can also charge your monthly payment to Visa, Mastercard, Discover credit or debit card. With each billing, you will receive a credit card authorization form. If you complete this form and return it to us along with the lower section of your invoice, we will charge your selected credit or debit card. Or you can simply visit our website www.pekininsurance.com and select Make a Premium Payment to charge online, or call 1-800-322-0160, Extension 2010 to charge your monthly payment over the phone.

WHY DO I HAVE TO PAY A MONTH IN ADVANCE?
We need to allow enough time to send you a bill, process your payment, and provide you with as much notice of cancellation as possible if your payment is late. This way you have less chance of being without coverage. Your agent also collected a down payment when you applied for your new policy. It takes several days for us to process your application, and this payment covers your insurance costs during this time.

HOW MUCH TIME DO I HAVE TO PAY MY BILL?
We will mail a billing notice to you 13 days before the payment is due. When you are mailing your payment, please allow adequate time for your payment to reach us before the due date.

WHAT IF I HAVE QUESTIONS ABOUT MY BILL?
Contact your agent at any time for any questions concerning your bill or coverage. Your agent will be happy to assist you with your insurance needs.