Premium Payment: Difference between revisions

Latest revision as of 16:06, 5 March 2025

This page only addresses the immediate payment method provided by Equinox.
Payments submitted through other methods, like paper checks, must be addressed by the carrier directly.

No additional fees are added to premium payments.

Premium payments are easy to make in Equinox, and they can be initiated a number of ways.

Pay NFIP New Business - submit payment for a completed NFIP application
Pay NFIP Renewal - provide payment to renew an upcoming NFIP policy term
Pay NFIP Policy Change - make additional premium payments for NFIP policy changes

How to Submit Premium Payments

All procedures that offer premium payment lead to the same dialog page. The required fields must be completed in order to submit using the "Pay Now" button.
This process is different for policyholders who make a payment through the Consumer Portal.

Credit Card or E-check

Payments can be made using a credit card or an electronic check (e-check or echeck).
Select the corresponding box for each at the top of the screen. This will adjust the form fields below.

Credit card option.
Required fields are outlined in red.
Electronic check option.
Required fields are outlined in red.

Important

Electronic checks require the account number to be entered twice.
Use this WikiHow article to locate it correctly on a check.

Billing Information

Billing information refers to the type of account, not the method of payment.
Choose between Personal Account (default) or Business Account.

Enter the individual named on the account.
The pre-filled address can be edited.

Billing information is prefilled.

Summary

The Summary section on the right identifies the policy number, the policyholder, and the insured address.
The total premium amount will show under the itemized fees; discounts are not listed.

Policy changes allow the user to cancel and return to the policy

New Business/Renewal Disclaimer

By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the insurance policy provided by . I authorize to charge the payment of <AMOUNT> to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.

Policy Change Disclaimer

By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the <CARRIER NAME> insurance policy provided by <CARRIER NAME>. I authorize <CARRIER NAME> to charge the payment of $39.00 to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.

This page may need to be edited based on suggestions or concerns. Read more in the Discussion page.

@@ Line 1: / Line 1: @@
-{{eq-proc-agent}}
+{{Nav-hub Agent}}
+'''''This page only addresses the immediate payment method provided by [[Equinox]].''''' <br>
+Payments submitted through other methods, like paper checks, must be addressed by the carrier directly.
+{{Attention|'''No additional fees''' are added to premium payments.}}
+Premium payments are easy to make in Equinox, and they can be initiated a number of ways.
+* '''[[Pay NFIP New Business]]''' - submit payment for a completed NFIP application
+* '''[[Pay NFIP Renewal]]''' - provide payment to renew an upcoming NFIP policy term
+* '''[[Pay NFIP Policy Change]]''' - make additional premium payments for NFIP policy changes
+== How to Submit Premium Payments ==
+All procedures that offer premium payment lead to the same dialog page. The required fields must be completed in order to submit using the "Pay Now" button.<br>
+''This process is different for policyholders who make a payment through the [[Consumer Portal]].''
+=== Credit Card or E-check ===
+Payments can be made using a '''credit card''' or an '''electronic check''' (e-check or echeck).<br>
+Select the corresponding box for each at the top of the screen. This will adjust the form fields below.
+<gallery mode="packed" heights=300px style="text-align:left">
+Img-proc-pay-dialog-card.png|'''Credit card''' option. <br>Required fields are outlined in red.
+Img-proc-pay-dialog-echeck.png|'''Electronic check''' option. <br>Required fields are outlined in red.
+</gallery>
 {{box-summary
-|color = orange
+|color = yellow
-|title =
+|title = Important
-|text = Payments to the NFIP are required to issue new policies or increase coverage.
+|text = Electronic checks require the '''account number''' to be entered '''twice'''. <br>
-}}
+Use this [https://www.wikihow.com/Locate-a-Check-Routing-Number WikiHow article] to locate it correctly on a check.
-{{img-proc-nofrm
-|file = File:Flow-eq-quote-overview.png
-}}
-{{lorem}}
-{{clear}}
-{{collapsible-section
-|number = 1
-|title = Step 1: Find the Policy
-|content =
-Text of the information (edit this).<br>
-{{img-proc-frm
-|file = File:Img-eq-app-01.png
-|width = 600px
-}}
-Any other text below an image (edit image and this line).
-}}
-{{collapsible-section
-|number = 2
-|title = Step 2: Click "Check Out"
-|content =
-Text of the information (edit this).<br>
-{{img-proc-frm
-|file = File:Img-eq-app-01.png
-|width = 600px
-}}
-Any other text below an image (edit image and this line).
-}}
-{{collapsible-section
-|number = 3
-|title = Step 3: Find Billing Information
-|content =
-Text of the information (edit this).<br>
-{{img-proc-frm
-|file = File:Img-eq-app-01.png
-|width = 600px
-}}
-Any other text below an image (edit image and this line).
-}}
-{{collapsible-section
-|number = 4
-|title = Step 4: Update Billing Information
-|content =
-Text of the information (edit this).<br>
-{{img-proc-frm
-|file = File:Img-eq-app-01.png
-|width = 600px
-}}
-Any other text below an image (edit image and this line).
-}}
-{{collapsible-section
-|number = 5
-|title = Step 5: Complete the Update
-|content =
-Text of the information (edit this).<br>
-{{img-proc-frm
-|file = File:Img-eq-app-01.png
-|width = 600px
-}}
-Any other text below an image (edit image and this line).
 }}
+=== Billing Information ===
+Billing information refers to the type of account, not the method of payment. <br>
+Choose between '''Personal Account''' (default) or '''Business Account'''.
+* Enter the individual named on the account.
+* The pre-filled address can be edited.
+<gallery mode="packed" heights="300px" style="text-align:left">
+Img-proc-pay-dialog-card-filled.png|Billing information is prefilled.
+</gallery>
+=== Summary ===
+The Summary section on the right identifies the policy number, the policyholder, and the insured address. <br>
+The total premium amount will show under the itemized fees; discounts are not listed.
+<gallery mode="packed" heights="300px" style="text-align:left">
+Img-proc-pay-dialog-change.png|Policy changes allow the user to cancel and return to the policy
+</gallery>
-=== Step 1: Choose Electronic Payment ===
+==== New Business/Renewal Disclaimer ====
-{{img-proc-nofrm
+<blockquote>
-|file = File:Img-eq-pay-01.png
+By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the insurance policy provided by . I authorize to charge the payment of <AMOUNT> to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.
-}}
+</blockquote>
-=== Step 2: Enter Credit Card or Bank Account ===
+==== Policy Change Disclaimer ====
-{{img-proc-nofrm
+<blockquote>
-|file = File:Img-eq-pay-02.png
+By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the <CARRIER NAME> insurance policy provided by <CARRIER NAME>. I authorize <CARRIER NAME> to charge the payment of $39.00 to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.
-}}
+</blockquote>
-The workflow shown above begins by entering basic property details and continues through collecting additional information about the building, coverage options, and flood zone determinations. At the "NFIP Rates" step, highlighted in green, agents can generate a '''preliminary quote''' based on the details provided. This allows the agent to review potential costs before signing the  application and collecting premium.
+{{needsedit}}