THANK YOU FOR CHOOSING ZURICH.

LISTED BELOW IS A GUIDE TO ASSIST YOU IN REVIEWING YOUR INVOICE.

FOR BILLING INQUIRIES PLEASE CALL OUR CUSTOMER SERVICE DEPARTMENT AT 800-332-6641. PLEASE MAIL WRITTEN CORRESPONDENCE TO:

Zurich North America
7045 College Blvd
Overland Park KS 66223 .

EXPLANATION OF TERMS

Account Number	-	Reference number for all policies issued to a single insured.
Invoice Date	-	The date your invoice was sent.
Due Date	-	Date by which we must receive payment of the Minimum Due.
Previous Balance	-	Outstanding balance as of the last invoice.
Payments	-	Payments received since your last invoice.
Current Charges	-	Charges that have been added to your account since the last invoice date.
Current Balance	-	The total premium outstanding on your account as of the invoice date.
Minimum Due	-	The minimum payment required to avoid cancellation of your insurance coverage.
Policy Number	-	References the specific insurance policies that are currently being billed within the account.
Effective Date	-	Identifies the effective date of the policy.
Summary of Activity	-	Gives a summary explanation of transactions relevant to the current invoice.
Transaction Amount	-	This shows the dollar amount of transactions that have occurred since your last invoice.
Currently Due	-	The individual amounts that make up the Minimum Due.

INSTALLMENT SCHEDULE

Payment Plan	-	This identifies the payment plan chosen, which can be one of the following: Monthly, Bi-monthly, Quarterly, Semi-Annual or Annual. (The total premium for your account determines your eligibility for certain pay plans.)
Amount	-	Amount of installments that will be due in the future (this amount is subject to change if new transactions are processed.)
Fee	-	Installment charge associated with each invoice.

An installment fee is added to all installment invoices. However, if you decide to pay the entire annual premium in full on the first invoice, you do not need to pay the fee.

GENERAL INFORMATION

If your policies are issued after the date that coverage began, your first invoice for those policies may include more than one installment.
Policyholders who pay after the due date may not have the option of payment by installments.
Except for Virginia insureds, if a check is returned by your bank for any reason, your next invoice will include a check processing fee.
For auditable policies, once we perform the audit and record the resulting premium, the audit premium will be billed to you in the next scheduled invoice.
If you pay less than the Minimum Due, we will apply your payment first to amounts owed with the earliest due date, unless you specify otherwise.
If you pay more than the Minimum Due, we will apply the extra funds to your next installment(s).
Refunds, other than audits, on individual policies will be returned only after all policies on the account have been paid in full.

LATE PAYMENTS/CANCELLATION NOTICES

If you fail to pay the Minimum Due by the Due Date, you will be assessed a late fee, except for Virginia and Missouri insureds. In addition, the date of your next payment will be due as provided on your invoice, and a cancellation notice will be issued if the amount specified is not paid in full by the due date.
If we receive a payment after the cancellation effective date, we will apply that payment towards any unpaid balance on your account before we refund any remainder, but your coverage will not be reinstated.
After coverage is cancelled, we will bill you for any unpaid earned premium. If you do not pay, the matter may be forwarded to a collection agency.

THANK YOU FOR CHOOSING ZURICH.

LISTED BELOW IS A GUIDE TO ASSIST YOU IN REVIEWING YOUR INVOICE.

FOR BILLING INQUIRIES PLEASE CALL OUR CUSTOMER SERVICE DEPARTMENT AT 800-332-6641. PLEASE MAIL WRITTEN CORRESPONDENCE TO: Zurich North America 7045 College Blvd Overland Park KS 66223 .

EXPLANATION OF TERMS

INSTALLMENT SCHEDULE

GENERAL INFORMATION

LATE PAYMENTS/CANCELLATION NOTICES

FOR BILLING INQUIRIES PLEASE CALL OUR CUSTOMER SERVICE DEPARTMENT AT 800-332-6641. PLEASE MAIL WRITTEN CORRESPONDENCE TO:

Zurich North America
7045 College Blvd
Overland Park KS 66223 .