Frequently Asked Questions

What are my policy limits?

You can see your policy limits on the Insurance Coverage screen. You must log in to the web site in order to access this screen. You may also call “Your local agent” to discuss your coverages.

What does my policy cover?

For specific questions regarding coverage, you can contact “Your local agent”. You can also review your policy on the Policy Forms screen. You must log in to the web site in order to access this screen.

Who is my agent? What is their phone number?

“Your local agent” is displayed on most screens on the web site. Your agent may change from policy to policy, so your agent is listed on each screen displaying specific policy information. These screens are – Insurance Coverage; Policy Forms; Policy History; Billing & Payment Activity; Claims Activity; and Policyholder Information

What was last year’s premium?

You can see this information by selecting the Insurance Coverage screen and then selecting the policy that you wish to review on the left panel of the screen. In addition, you can contact “Your local agent” to discuss this information.

What do I do if I receive a Material Information Form?

We periodically request information to update our files as part of the renewal process; we call this form a Material Information Form. If you receive a Material Information Form please complete the form and return it to us as soon as possible. You can return the form to us in the postage paid return envelope or complete it on-line; you must log in to the website in order to access the form on-line.

Where can I find an overview of my proposed renewal limits and coverages before I pay?*

Once you receive a renewal invoice, you can view your proposed coverages by logging into the website and selecting the Insurance Coverage Screen. Coverage is not renewed unless payment of your renewal invoice is made by the due date. Payment is due by the expiration date.

What is the interest rate?*

We do not charge interest or set-up charges.

Is there a fee for paying in installments?*

In most states there is an installment fee ($5 or less) applicable to all installments after the first installment.

Can I change the number of installments?*

Please call our Customer Service number for assistance. In certain circumstances your installment plan can be changed and they can help you with this. You can always pre-pay installments and avoid an installment fee without changing the installment plan and we will adjust your future billing accordingly.

Can I pay my bill in full if it is installments? Do I get a discount if I do?*

Yes, you can pay your policy premium in full at any time and avoid any future installment fees.

Is there a charge for paying over the phone?*

No. You can call us at 1-866-632-2003 Monday through Friday between 9am and 8pm EST and we can take your payment using MasterCard, Visa, American Express, debit card or electronic ACH (checking or savings). When calling, you also have the option to pay using our automated system, available 24/7 (Pagar Por Telefono 24/7).

* - For policyholders that have received an invoice directly from USLI