Understanding Your Bill

Beginning in October 2016, Brotherhood Mutual is moving to a new billing system. As part of this change, we’re updating billing statements to look like the sample below.

1. Agency
The name and contact information for your Brotherhood Mutual agency.

2. Policy Type
The type of policy the bill concerns—MinistryFirst or MinistryEssentials (property and liability policies), commercial auto, or workers’ compensation.

3. Policy Number
The numbers used by the insurance company to identify your policy.

4. Policy Period
The time period in which the insurance policy is in effect.

5. Statement Date
The date on which the bill was issued.

6. Invoice Number
The number that identifies each bill.

7. Payment Plan
The billing frequency you’ve chosen.

8. Amount Due
The total amount you must pay to keep your policy active.

9. Due Date
The date by which your payment must be received. If mailing your payment, please allow at least five days for delivery time.

10. Installment Number
Indicates your progress on your payment plan. This number resets on your policy anniversary date.

11. Transaction Details
Description of the charge or credit.

12. Mailing Address
Mail payments to this address. If you’d prefer to pay online, register for My Account at BrotherhoodMutual.com/MyAccount. Online payments must be made through a commercial checking or savings account.

13. Reminder Notice
If your payment isn’t received by the due date, you will receive a letter notifying you that your bill is past due. If your payment still isn’t received by the date indicated in the letter, your insurance policy will be cancelled. If your policy is later reinstated, a fee will be charged.

Note: If you register for DirectPay automatic bill payments, please note that changes to payment information must be made at least five days before the bill’s due date.

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Billing Q&A

Q: What if my payment is late?

A: If your payment isn’t received by the due date, you will receive a letter notifying you that your bill is past due. If your payment still isn’t received by the cancellation date indicated on the letter, your insurance policy will be canceled. If the canceled policy is later reinstated, a fee will be charged to reactivate the policy.

Q: Where should I send my bill?

A: There are two mailing addresses, depending on where you live.

Western US: Customers who live in North Dakota, South Dakota, Nebraska, Kansas, Oklahoma, Texas, and all states west should send payments to the California address:

Brotherhood Mutual Insurance Company
Dept. 710069
PO Box 514670
Los Angeles, CA 90051-4670

Eastern US: Customers who live in in Minnesota, Iowa, Missouri, Arkansas, Louisiana, and all states east should send payments to the Ohio address:

Brotherhood Mutual Insurance Company
PO Box 631485
Cincinnati, OH 45263-1485

Q: Will my bill still be printed on blue paper?

A: When your policy moves to the new billing system, your bills will be printed on white paper. Until then, your bills will continue to be printed on blue paper.

Q: Can I opt out of receiving paper bills and receive electronic bills instead?

A: Not yet, but electronic bills are in the works. We’ll let you know when they’re available.

Q: Can I pay online?

A: Yes. To get started, sign up for My Account. With My Account, you can view your account information, view an electronic copy of your bill, and pay online. Please allow at least three business days for online payment processing. Also through My Account, you can register for DirectPay automatic bill payments.

Q: I already pay electronically via DirectPay. Is anything changing for me?

A: Be aware that, under the new billing system, your new due date may be up to 14 days sooner than in the past. Take the time to review your bill—your DirectPay payment will be processed automatically on the due date indicated. All changes to DirectPay payment information must be made at least five days before the bill’s due date. You can make changes using My Account, or by contacting Brotherhood Mutual at 800.333.3735.

Q: Are there any extra benefits to paying electronically?

A: Yes. Electronic payments are delivered faster than traditional mail for many customers, and DirectPay automatic bill payments may save you money on service charges. Savings vary depending on your billing frequency and state regulations.

Q: I have multiple policies due on the same date. Do I need to send in separate payments with each bill stub?

A: You can send in one payment, but include each policy’s bill stub to help ensure proper processing.

Q: I have questions that weren’t answered here. Who can I contact?

A: Contact Brotherhood Mutual’s customer service department at 800.333.3735.