FAQs
Insurance

Q.
Why do you have an automated payment service?
A.
In order to better serve our clients, we added automated phone payment and online payment services. We continue to have customer service representatives standing by. At any time you may call our Customer Service Center at 1-800-723-3276 to speak to a representative.

Q.
What is the black and white square code on the invoice?
A.
This is a new kind of bar code called a QR (quick response) code that can be scanned with a mobile device that has scanning application installed. When scanned, it will direct your web browser to the Indiana Farm Bureau Insurance One Time Payment site. You will still be required to enter all of your personal information regarding your payment.

Q.
Why Can't I Pay My Membership?
A.
It is possible your membership dues are not set up to invoice with your property and casualty insurance policies. To set this up, contact our Customer Service Center at 1-800-723-3276.

Q.
Why can I only pay the amount of my last invoice?
A.
If you have a question regarding the amount due, we recommend you speak to a customer service representative to verify the payment remitted is sufficient to continue coverage on the active insurance policies.

Q.
The automated system will not accept my bank routing number.
A.
If you are having trouble confirming the correct bank routing number, contact your financial institution or contact our Customer Service Center for assistance. All routing numbers are verified by the Thomson Financial database that is updated monthly. Alternatively, payment can be initiated using a credit card.

Q.
Is an online payment secure?
A.
Every page on our Web site has a digital certificate by RSA Data Security/Secure Server CA. We use Secure Sockets Layer (SSL) and 128-bit encryption.

Q.
When will Indiana Farm Bureau Insurance receive my online payment?
A.
Online payments accepted by your funding organizations are deemed received the day they are submitted. If requested, you will receive a printable e-mail confirmation. Please note, credit card charges that are not approved or deductions that are dishonored by the bank may result in cancellation of insurance for nonpayment of premium.

Q.
What payment methods does the automated service accept?
A.
Electronic payments initiated from a checking or savings account, Visa or MasterCard are accepted.

Q.
Is there a fee to use the automated service?
A.
No, we do not charge a fee to use the automated service. We will not be responsible for any charges you may incur from any financial institution.

Q.
What should I do if I can't complete a payment transaction online and my payment is due?
A.
If you are not able to make an online payment, our Customer Service Center is available by calling 1-800-723-3276.

Q.
Can I make a payment on my canceled policy?
A.
If you have a past due amount for coverage incurred prior to cancellation of your insurance policy, you will be able to make an online payment for the balance due. Making this payment will NOT reinstate your coverage. For assistance, please contact the Customer Service Center at 1-800-723-3276.

Q.
Why didn't I receive an e-mail confirmation for my online payment?
A.
The most common reason a client does not receive confirmation is because the e-mail address was entered incorrectly. It is also possible the email was blocked or marked as spam.

Q.
Why is the minimum amount due different than the maximum on my life insurance policy?
A.

The life insurance policy has an outstanding loan balance. The minimum amount due is the premium due for the policy installment. The maximum amount due is the premium due plus the annual interest on the loan. You can choose to pay the interest as part of your on-line payment by paying the maximum amount due.

Note: The payment will not reduce the amount of the policy loan. Loan payments can be made by calling our Customer Service Center at 1-800-723-3276.


Q.
How do paperless invoices work?
A.
We will deliver an email notice to you each time a new eligible invoice is available. You will no longer receive a paper invoice in the U.S. mail. To view your available invoices, log in to Online Account Manager and click the "Invoices" link. For your convenience, you will be able to access up to a full year of invoices online.

Q.
What are eligible invoices?
A.
A current list of your eligible invoices can be viewed by selecting the “eligible invoices” link on the profile page. Not all invoice types are eligible for electronic delivery at this time. As additional invoice types become available, we will send you email notifications and your current paperless preference will be applied.

Q.
Why am I being charged an installment fee?
A.
A fee is charged if you elect to pay your premium in installments. You can avoid installment fees by paying your entire balance in full or by signing up for Electronic Funds Transfer (EFT).

Q.
What is paperless?
A.
By electing to go paperless, you are choosing to stop receiving eligible invoices by U.S. mail. You can electronically view and print these documents and bills through Online Account Manager. If needed, you may still request a paper copy of a recent invoice by contacting the Customer Service Center at 1-800-723-3276 or www.infarmbureau.com.

Q.
How do I start/stop paperless billing?
A.
You must be an Online Account Manager registered user to receive paperless invoices. Log in to Online Account Manager, select the “Profile” link and update the Paperless Invoice preference.

Q.
What is insurance scoring?
Payments

Q.
What forms of payment are accepted?
A.
We accept MasterCard and Visa charge or debit cards, checks and cash. You may pay online at https://oam.infarmbureau.com/ Electronic Funds Transfer (EFT). Please see What is EFT? by mail in person at one of our 130 sales offices throughout Indiana by calling our Customer Service Center at 1-800-723-3276

Q.
What is EFT?
A.
Electronic Funds Transfer (EFT) is a service of Indiana Farm Bureau Insurance that provides you a convenient way to pay premium and membership. You approve us to make pre-authorized debits and we would automatically process your payment on-time each month by debiting your bank account. In the event your payment amount changes, we will let you know in ample time for you to ask questions if necessary before we debit your bank account. With this service, you will save the $3.50 service charge and you don't need to do anything except sign up and let us take care of the rest. If that sounds good to you, please let us send you the proper documentation to get you started.

Q.
What are Property/Casualty policies?
A.
Property/Casualty insurance policies insure property and provide liability protection and medical coverage in the event of an accident. Common P/C policies insure auto, home, crops, commercial operations, farms, a renter's possessions, condos, mobile homes, motorcycles, boats, and RVs.

Q.
Why must I join Indiana Farm Bureau?
A.

Membership in Indiana Farm Bureau is required to purchase auto, crop, commercial, farm, renter's, condo, mobile home, motorcycles, boat, RV and homeowner's policies.

To learn more about your many benefits, visit the Indiana Farm Bureau Web site.


Q.
How can I learn more?
A.
Visit or call your local Indiana Farm Bureau Insurance county office or our Customer Service Center at 1-800-723-3276. Additional information is also located on our website www.infarmbureau.com under the payment options link.
Online Account Management

Q.
Why aren't all of my policies displaying?
A.
Online Account Manager displays policy information to only those persons with a contractual relationship with us. Property and casualty insurance policy information displays to the Named Insured and Additional Named Insured. Life insurance policy information displays to the Owner of the policy.

Q.
How do I update my personal information such as name, address or phone number?
A.
Log in to Online Account Manager. Select the Contact Us link and choose "Request Phone Number Change" or "Request Address Change" from the topic menu. For additional changes to personal information, please Contact Us so we can review your account and make all of the necessary updates.

Q.
How do paperless invoices work?
A.
We will deliver an email notice to you each time a new eligible invoice is available. You will no longer receive a paper invoice in the U.S. mail. To view your available invoices, log in to Online Account Manager and click the "Invoices" link. For your convenience, you will be able to access up to a full year of invoices online.

Q.
What are eligible invoices?
A.
A current list of your eligible invoices can be viewed by selecting the “eligible invoices” link on the profile page. Not all invoice types are eligible for electronic delivery at this time. As additional invoice types become available, we will send you email notifications and your current paperless preference will be applied.

Q.
Why am I being charged an installment fee?
A.
A fee is charged if you elect to pay your premium in installments. You can avoid installment fees by paying your entire balance in full or by signing up for Electronic Funds Transfer (EFT).

Q.
What is paperless?
A.
By electing to go paperless, you are choosing to stop receiving eligible invoices by U.S. mail. You can electronically view and print these documents and bills through Online Account Manager. If needed, you may still request a paper copy of a recent invoice by contacting the Customer Service Center at 1-800-723-3276 or www.infarmbureau.com.

Q.
How do I start/stop paperless billing?
A.
You must be an Online Account Manager registered user to receive paperless invoices. Log in to Online Account Manager, select the “Profile” link and update the Paperless Invoice preference.

Q.
Why can't I view my Auto Id Card or Insurance Declaration?
A.
The Auto Id Card and Insurance Declaration are PDF documents requiring Adobe Reader to view. They also open in a new window. Some internet browsers such as Google Chrome and Safari block pop ups. Changing your preferred browser pop up settings could resolve the issue. If you continue to experience issues, please contact our Customer Service Center at 1-800-723-3276.

Q.
Why do I have to enter a payment method first to use the payment service?
A.
The Online Account Manager payment service requires that the payment method (checking, savings, Visa or Mastercard) be entered before the payment is scheduled. If you do not wish to continue to use the payment method for future payments, you can delete it after the payment has processed.

Q.
What is Automatic Payment?
A.
Automatic Payment allows registered Online Account Manager users to set up payments to automatically be processed every time there is an invoice outstanding. By simply choosing the payment date (from 10 days prior up to the due date) and the desired payment method (checking, savings, Visa or Mastercard), the payment will automatically process for the invoice amount each time a new invoice is outstanding.

Q.
How do I stop an Automatic Payment?
A.
Automatic payments can be discontinued any time by selecting the "Manage Payments" button on the invoice page. From there you must access the Payment Methods link in the payment service to change or delete the automatic payment. If you need assistance, contact our Customer Service Center at 1-800-723-3276.

Q.
More Questions?
A.
Contact Us if you have questions. Also, see Terms and Conditions for more information.

Q.
How do paperless policy documents work?
A.
We will deliver an email notice to you each time a new eligible policy document is available. You will no longer receive a paper policy documents in the U.S. mail. To view your available policy documents, log in to Online Account Manager and click the "Policy Documents" link. For your convenience, up to three years of policy documents are online for auto and home/dwelling. Farm policy documents are available online beginning the first policy renewal date after February 1, 2015. Commercial Documents are available beginning the first policy renewal date after December 16, 2015.

Q.
What are eligible policy documents?
A.
A current list of your eligible policy documents can be viewed by selecting "ELIGIBLE INVOICES/POLICIES" on the Paperless Preferences page. Not all document types are eligible for electronic delivery at this time. As additional policy document types become available, we will send you email notifications and your current paperless preference will be applied.

Q.
What is a paperless policy document?
A.
By electing to go paperless, you are choosing to stop receiving eligible policy documents by U.S. mail. You can electronically view and print these policy documents through Online Account Manager. If needed, you may still request a paper copy of a recent policy document by contacting the Customer Service Center at 1-800-723-3276 or www.infarmbureau.com.

Q.
How do I start/stop paperless policy documents?
A.
You must be an Online Account Manager registered user to receive or discontinue paperless policy documents. Log in to Online Account Manager, select the "Paperless" link and update the Paperless Policy Documents preference delivery method.

Q.
What is the Paperless Discount?
A.
A policy discount for accepting paperless delivery of qualifying farm, auto, home or dwelling policy documents.

Q.
How much is the Paperless Discount?
A.

Auto Policies: A discount of 5% is available for all vehicle types eligible under our Personal Auto Policy. The discount applies to the Bodily Injury Liability, Property Damage Liability, Combined Single Limit Liability, Medical Payments, Other Than Collision, Collision, Uninsured/Underinsured Motorists Bodily Injury and Uninsured Motorists Property Damage coverage premiums.

Home and Dwelling Policies: A discount of 5% and is available for all policy types. The discount applies to all coverage premiums (except Mine Subsidence coverage).Farm Policies: A discount of up to 5% subject to a $500 maximum amount is available on all Rural Guardian policies. The discount applies to all coverage premiums (except Mine Subsidence coverage).

Farm Policies: A discount of up to 5%, subject to a $500 maximum amount, is available on all Rural Guardian policies. The discount applies to all coverage premiums (except Mine Subsidence coverage).


Q.
How do I sign up for the Paperless Discount?
A.
You must be an Online Account Manager registered user. Log in to Online Account Manager, select the "Paperless" link and update the Delivery Method for Policy Documents to Paperless. You must accept the Paperless Delivery Agreement to be eligible for the discount. Only a named insured is eligible to select paperless delivery for policy documents. Select the paperless preference for policies where you are a named insured. The discount will be removed from the policy(ies) if you return to U.S. mail as the delivery method.

Q.
How does a business sign up for the Paperless Discount?
A.
Currently only a business with a farm policy (Rural Guardian) is able to register. If the named insured on the Rural Guardian policy is a business entity, registration can be completed online but it will require the Access Code that was sent to the Business Entity. If you are unable to locate the Access Code, please contact our Customer Service Center at 1-800-723-3276 for assistance.

Q.
When will the Paperless Discount be applied?
A.
  • Auto Policies: The discount is available for auto policies effective the first policy renewal date on or after Sept. 1, 2014.
  • Home and Dwelling Policies: The discount is available for all policy types effective the first policy renewal date on or after Nov. 1, 2014.
  • Farm Policies: The discount is available for Rural Guardian policies effective the first policy renewal date on or after Feb. 1, 2015.

If you enroll in paperless policy documents when you apply for insurance, the Paperless Discount will be applied to qualifying policies as of the effective date of the policy. If you wait until after the policy is issued, the Paperless Discount will be applied to qualifying policies on the date you successfully enroll in paperless policy documents.

FOR POLICIES IN EFFECT BEFORE THE EFFECTIVE DATE OF THE PAPERLESS DISCOUNT:

If you enroll in paperless policy documents before the first policy renewal date (after Sept. 1, 2014 for auto, after Nov. 1, 2014 for home/dwelling, after Feb. 1, 2015 for farm), the Paperless Discount will be added to qualifying policies as of the renewal effective date. If you wait until after the policy renews, the Paperless Discount will be applied to qualifying policies on the date you successfully enroll in paperless policy documents.


Q.
Do I need to sign up for both paperless invoices and paperless policy documents to qualify for the Paperless Discount?
A.
No, you only need to be paperless for policy documents to qualify for the discount.