Kemper

In response to your requests, beginning October 26, 2007 , our paper billing logic for new business and renewals will allow payers who pay bills in advance to avoid receiving bills and billing charges.

Current paper billed policies will convert to the new paper billing logic automatically as they renew October 26 and after.

Those policies enrolled in Recurring Bill Pay – Electronic Funds Transfer (EFT) or Recurring Bill Pay - Credit Card will remain on our Level Billing plan and are not impacted by these changes to paper billing.

Overpaid amounts will be applied to and reduce the amount due on future installment(s). If the overpayment satisfies the minimum due on the next installment, a bill will not be issued, thereby avoiding the billing charge for that installment
Prior term endorsements and unpaid prior term balances will now be billed in full. Prior term credit endorsements will be applied in full, not spread over the remaining installments for the policy
Unpaid or underpaid balances will be billed on the next billing document produced. This could be a bill or a Non Pay Cancellation depending upon the equity situation of the policy
It is important that the payer has satisfied the current amount due when making pay plan changes or changes to their billing method (Recurring Bill Pay to paper or vice versa). If not a Non Pay Cancellation Notice could be issued

The calculation for the first bill on new business policies has not changed. The down payment received will be subtracted from the premium for the term and the first bill will be issued based on the pay plan selected
Payers can still avoid billing charges if they pay the entire policy premium for the term on their first bill
Current term additional and return premium endorsements will continue to be spread over the remaining unbilled installments for the term
Unpaid mortgagee balances transferred to the Insured will continue to be spread according to the Insured's Pay Plan if part of a package. Unpaid mortgagee balances on mono line policies will be billed to the insured in full

If you have any questions about our new paper billing plan, please contact the Customer Care Center at 866-675-3345 , option 3.