Billing And Payment Frequently Asked Questions
- I do not have my payment notice and my payment is due. Where should I mail it?
- Can I make my premium payments online?
- What if I cannot send my premium payment until after the due date?
- If I pay for more than one certificate and I am not billed at the same time, can I send one payment check?
- How do I change my mode of payment?
- Can I make a payment by credit card over the telephone?
- What is the least expensive way to pay premiums?
- I received a Pre-Authorized Collection (PAC) plan form in my last payment notice. What else do I need to set up the plan?
- If I establish a Pre-Authorized Collection (PAC) account, what are my choices for a withdrawal date?
- My Pre-Authorized Collection (PAC) withdrawal is to be processed through my bank account on the 4th 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?
- How will I know how much my Pre-Authorized Collection (PAC) withdrawal is? Are you going to send me a statement each month?
- What if my premiums are paid through the Pre-Authorized Collection (PAC) plan and I change banks?
- How do I cancel my Pre-Authorized Collection (PAC) account?
- I paid my bill. Why did I get a reminder notice?
1. 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 61201-4431
2. 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 (PAC) 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 My Account log-inused to view certificate information. To get started, go to Pay Online.
3. 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 that grace period, the certificate will be considered suspended.
4. 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 the payment is applied correctly, please include the bottom portion of each notice or indicate the certificate number(s) on the check.
5. How do I change my mode of payment?
Contact the Customer Support Center at (800) 627-4762, ext. 4110, or by email, 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
6. 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 website to make a payment online through a one-time direct deduction from your bank account. Pay Online (See details in the "Can I make my premium payments online?" section 2 above.)
7. What is the least expensive way to pay premiums?
Through a monthly pre-authorized collection form (form 1025-B) plan through your bank, or by paying annually.
8. 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 Pre-Authorized Collection (PAC) plan form (form 1025-B) and return it to Royal Neighbors with a voided check from your checking account, plus the payment needed to pay the certificate to the current date.
9. 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 the 28th day of the month.
10. My Pre-Authorized Collection (PAC) withdrawal is to be processed through my bank account on the 4th 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
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.
11. 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.
12. What if my premiums are paid through the Pre-Authorized Collection (PAC) plan and I change banks?
Please notify our Customer Support Center at (800) 627-4762, ext. 4110, or by email as soon as possible so 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 1025-B). 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.
13. How do I cancel my Pre-Authorized Collection (PAC) account?
Please contact the Customer Support Center as soon as possible at (800) 627-4762, ext. 4110, or by email. We must be notified 15 days prior to the withdrawal to allow us to act upon the request.
14. 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 Customer Support Center at (800) 627-4762, ext. 4110, or by email 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.