BILLING INFORMATION

DOWN PAYMENT

We require a down payment equal to the first installment with the application.

ACCEPTED METHODS OF PAYMENT

• Checks: payable to Western National
• Credit cards: Visa, Mastercard, Discover, and American Express
• AutoPay (Electronic Funds Transfer): single or recurring; see next page for instructions
• Agency sweep
• Google Pay / Apple Pay

HOW TO PAY

• By phone – (952) 921-3808 or (800) 352-2772
• Online through MyAccount (www.wnins.com)
• By mail
  Western National Insurance Group
  P.O. Box 59184
  Minneapolis, MN 55459-0184
• Western National mobile app through MyAccount

ACCOUNT BILL

Account bill is available for policyholders who select monthly pay. Monthly account statements will be billed on the same day of the month as the policy effective date unless the insured requests a different day.

FEES

• An installment fee of $5.00 will be applied to each installment bill, excluding AutoPay.
• A reinstatement / late fee of $20.00 will be charged on all midterm cancellations for non-payment of premium.
• Any payments returned by the bank will result in a $25.00 charge to the Insured’s policy.

AutoPay (ELECTRONIC FUNDS TRANSFER)

• AutoPay is available with full pay and monthly pay plans.
• Auto Pay is available for all pay plans on the new platform.

Full Pay by AutoPay

• New business requires payment in full at the time of submission. AgentsXpress defaults to draft on the effective date, unless the user selects a different date.
• Renewal Premium is billed in full 18 days (25 for Select Auto and Signature Auto) prior to the draft date.
• Additional premium endorsements will be billed in full and drafted 18 days after the billing date.
• Return premium endorsements will be refunded by check.

Monthly Pay by AutoPay

• New business requires one-sixth down for six-month policies and one-12th down for 12-month policies. AutoPay / EFT bills on the effective date. It does not draft to bill on the effective dates unless the user selects the effective date as their due date.
• Installments will be billed monthly, starting with the policy effective month, and will be drafted 18 days after the billing date.
• The remaining premium is spread evenly over remaining installments. The number of installments varies based on the draft date selected.
• Additional premium endorsements will apply to future installments.
• Return premium endorsements will apply to unpaid premium. If all installments have been paid, a refund check will be issued.
• Premium on monthly AutoPay is paid in arrears. If the policy is cancelled, an outstanding balance may be due. Contact the Customer Relationship Center at (800) 352-2772 for details about unpaid balances.

INSTRUCTIONS FOR SETTING UP AutoPay

• To set up AutoPay for the Penalty Free products, your clients can log into MyAccount, select the “Enroll in AutoPay” button on the homepage, and follow the step-by-step instructions.
• If you’d like to set up AutoPay for your clients, you can access our AutoPay Authorization Form on the Summary Page in AgentsXpress or on the AgentsOnline landing page under the header “Other Resources” and select AutoPay / EFT Forms. Submit the completed form to Western National by attaching it to the application in AgentsXpress, or by mailing it with a voided check to: Western National Insurance Group, P.O. Box 59184, Minneapolis, MN 55459-6184.
• To set up AutoPay for your Select or Signature product policies: Log into Agents Online, search for your client on the Search for Policy, Billing and Claim Details bar. Click on the Billing tab, select the Billing Account, and select “click here” to manage Billing Due Dates, Payment Plans and Autopay Options on the Account Overview section. The signed form should be retained in your office.

INSTRUCTIONS FOR CHANGING AutoPay*

• Draft dates and bank account information can be changed in AgentsXpress. Please note a change in draft date could cause a double withdrawal. A warning message will display in this instance.
• Submit a new AutoPay Authorization Form to Western National when changing a bank or account number. You can access the form on the Summary Page in AgentsXpress or on the AgentsOnline landing page under the header “Other Resources” and select AutoPay / EFT Forms.
• For Select or Signature product policies, the billing due date and the payment method can be changed in Agents Online in the Billing tab after searching for the client. If the bank account information is updated, the signed form should be retained in your office.

* Three business days are needed to change any AutoPay transaction.

BILLING QUESTIONS

Contact the Customer Relationship Center – (952) 921-3808 or (800) 352-2772