Billing and Payment
We have compiled the most frequently asked billing and payment questions. If you do not find the answer to your question here, please Contact Us by mail, phone, or e-mail.
I do not have my payment notice and my payment is due. Where should I mail it?
Mail your payment to:
Royal Neighbors of America
P.O. Box 4431
Rock Island, IL 61204-4431
Can I make my premium payments online?
Yes. Our Pay Online service allows you to authorize a one-time, direct deduction from your checking or savings account to pay for a single transaction. (Note that this is different from our Pre-Authorized Collection plan, which arranges an automatic withdrawal from your bank account each month.) Royal Neighbors of America uses an advanced encryption system to assure complete security for your personal and bank information. Paying online is fast and safe.
Members are asked to register the first time they use Pay Online. This registration is different from the the My Account used to view certificate information. To get started, go to Pay Online.
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What if I cannot send my premium payment until after the due date?
A traditional life certificate has a 30-day grace period. During this time, your coverage remains in force. However, a reminder notice may cross in the mail with your payment. If payment is not received during the grace period, the certificate will be considered suspended.
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My certificate is an annuity. Do I have to make a payment?
Because annuity payments are flexible, whether you make payments is up to you.
If I pay for more than one certificate and I am not billed at the same time, can I send one payment check?
Yes. To ensure that the payment is applied correctly, please include the bottom portion of each notice or indicate the certificate number(s) on the check.
How do I change my mode of payment?
Contact the Premium Accounting Department at (800) 627-4762, ext. 4110, or by e-mail and one of our premium service representatives will be happy to assist you. Or, you may notify us by mail at:
Premium Accounting Department
Royal Neighbors of America
230 Sixteenth St.
Rock Island, IL 61201-8645
Can I make a payment by credit card over the telephone?
Royal Neighbors does not accept credit card payments. However, you can sign up on our Web site to make a payment online through a direct deduction from your bank account. (See details above.)
What is the least expensive way to pay premiums?
Through a monthly Pre-Authorized Collection (PAC) plan through your bank, or by paying annually.
I received a Pre-Authorized Collection (PAC) plan form in my last payment notice. What else do I need to set up the plan?
Complete the PAC form and return it to Royal Neighbors with a voided check from your checking account or an encoded deposit slip from your savings account, plus the payment needed to pay the certificate to a current date.
If I establish a Pre-Authorized Collection (PAC) account, what are my choices for a withdrawal date?
You may choose withdrawal dates from the 1st through 28th day of the month.
My Pre-Authorized Collection (PAC) withdrawal is to be processed through my bank account on the 4th day of each month. But on my bank statement, I notice that sometimes it goes through on the 6th, 7th, 8th, etc. Why doesn't it go through on the 4th?
Please remember that the processing date can be later depending on holidays, weekends, and the processing times of the financial institution. Also, if it is your first draft, we may hold the draft so that you have sufficient time to receive our letter and have your banking affairs in order. You will be notified by letter when your first withdrawal occurs.
How will I know how much my Pre-Authorized Collection (PAC) withdrawal is? Are you going to send me a statement each month?
You will receive a card with an adhesive backing that can be placed in your bankbook and serve as a reminder each month to deduct the payment. You can also use your banking statements each month to view the withdrawals.
What if my premiums are paid through the Pre-Authorized Collection (PAC) plan and I change banks?
Please notify our Premium Accounting Department at (800) 627-4762, ext. 4110, or by e-mail as soon as possible so that we don't continue to process withdrawals from a closed account. We will mail you a new PAC form to complete with your new bank information. Or, you can print and complete a Pre-Authorized Collection Plan form (Form 1025B). We will notify you in writing when withdrawals will start from your new financial institution after we have received the form, voided check from your new checking account, or encoded deposit slip from your new savings account.
How do I cancel my Pre-Authorized Collection (PAC) account?
Please contact the Premium Accounting Department as soon as possible at (800) 627-4762, ext. 4110, or by e-mail. We must be notified in sufficient time to allow us to act upon the request.
I paid my bill. Why did I get a reminder notice?
A reminder notice is automatically computer generated and mailed to the payor of the certificate if payment is not applied 12 days after the due date. You may contact the Premium Accounting Department at (800) 627-4762, ext. 4110, or by e-mail to verify that we have received the payment, as it may have crossed in the mail with the reminder notice. There are instances, however, where payments have been lost in the mail or we did not receive them for some other reason. Again, please feel free to contact us to verify that we have received it.
My premium is very small. Can I just pay it off?
You may contact the Premium Accounting Department at (800) 627-4762, ext. 4110, or by e-mail for a quote to pay premiums in advance. When the payment has been received, it will be placed in an interest-bearing account from which an annual payment will be made each year.
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