Archives for payments

How to set up Credit Card AutoPayMany iMGA customers have taken advantage of the ability to sign up for auto check payment of their insurance premium.

When they do that they are much less likely to ever miss a payment or incur a late fee. Plus they don’t have to worry about mailing a bill or going online.

Well now iMGA clients who prefer to pay by credit card can take advantage of the same benefits.

That’s right – we now offer automatic recurring credit card payments! Simply pay your client’s invoice with their credit card as normal, then click on the box to “Save for Recurring Payments” and the minimum due will be paid on the due date automatically. They’ll still get a reminder notice each month with the amount we’ll apply to their card and the date we’ll process the transaction.

And of course they’re free at any time to discontinue the automatic payments or change their AutoPay account if they change their mind.

If you’re a Texas insurance agent who would like to offer personal property products from a company focused on making things as easy as possible, start the process here.

CalendarSometimes it would just help a lot if a bill were only due a week or two earlier – or a few days later – every month.

Now iMGA customers can change their due date if doing so would help.

The woman on a fixed income who would really like her bill due on the 25th, the couple on social security who like to pay all their bills by the 7th, the family who would prefer to arrange this new bill to come just after the paychecks they get on the 15th – all of those insureds can have their preferences met.

Just call and let us know what date you would prefer. If you want to move the date up (make it earlier), just tell us. If you want to move it back a small payment may be needed to cover the additional premium for the days included in the change. Either way we can take care of it quickly and easily.

Custom payment dates – just one more way iMGA is working to make insurance easier for our agents and their clients.

Installment InvoiceWhen we introduced our billing system we tried to make things as easy as possible on the customers. One of the ways we did that was to automatically spread any underpayment across all future installments. So, if their payment had been $100/month and they missed a month and had four payments left, the remaining payments would be $125 each instead of $100.

You might or might not be surprised by how many confused calls that created.

We definitely were surprised. We had tried to be nice, but in doing so we had made things too complicated. So we’re returning to simple. As of now, if the insured’s bill is $100 per month and they miss the bill (or under-pay the bill), the full amount they missed will be added to the minimum due on the next installment, exactly the way it works on pretty much every other bill (credit card, utility, etc.).

We’ve also found that a small number of customers cause the majority of late payments, cancellations and reinstatements. To encourage those customers to keep on schedule, we’ve introduced a $9 late fee. It will be applied to any invoice that is not paid by its due date.

Late payments and under-payments cause lots of problems and significant service expense and issues. These changes will minimize the number of customers who receive cancellation notices or otherwise require additional special handling, and should make understanding the billing much easier for both you and your customers.

We know retaining customers and preventing unnecessary additional interactions is important to you. We look forward to these changes helping reach those goals.

Whether it’s a new policy or one that’s been in force for months, you can see at a glance when the next payment is due, and how much, if any, is due.


  1. Log in to
  2. Look up the policy by typing the policy number or any part of the insured’s name into the quick search box at the top right of any page.
  3. Glance to the right of the screen (under “Payment Details”) for the next Payment Due date and Amount Due.

Agency Sweeps are not instantly processed, so don’t instantly reduce the Amount Due. They are processed at 10:30 each evening. Until then, the pending sweep amount can be seen under the Accounting tab/Sweep Transactions. You can tell that it is pending because there is no posted date or confirmation number – those are added once the sweep is processed.

iMGA Policy Billing Screen

We hope this helps make writing Texas Dwelling, Homeowners, MobileHome, Renters and Vacant policies as easy as possible for you – and any time you see something we can do better, please speak up!

Visa and MasterCardsYou have been asking for credit card payment capability – and now it’s here!

Your insureds now have the option of paying installments or in full with Visa/MasterCard/Discover credit cards. This option is available on new business and renewals issued beginning December 1.

You also now have sweep capability!

If you accept payments from your insurance for down payments or installments, nothing can be easier than processing a sweep payment with us. All you have to do is make sure your agency is set up once and all future payments are as easy as possible. Just call anyone in our office and we will have you set up in minutes.

You can now also include the policy down payment information while submitting the policy. You no longer have to bind the policy then go submit the down payment separately.

If you submit the down payment information during the policy submission process, once the policy is bound you will get a confirmation as to whether the payments was or was not processed successfully. If it was not, you can still go to the policy and make the payment separately.

Regardless of which method you choose, you have the peace of mind of knowing that all payment information is stored securely and safely.

Once again we’ve been able to improve something based on great input from our agents.

Insured Payment ScreenClients who make a payment at (after they start the process by entering their policy number and mailing zip code) will now see the minimum amount due and payment due date in addition to the policy balance. This should help avoid any questions or confusion.

We have also added this information to the Make Payment page accessed by logged-in agents so that you can verify the amount due and due date before finalizing a payment on any policy. You won’t need to look up their invoice or write anything down – it’s right where you need it when you need it.

We hope you find all this helpful, and we sincerely appreciate your suggestions.

If you’re an agent who doesn’t work with us already and you’d like to work with a market devoted to making Texas MobileHome, Homeowners, Dwelling, Vacant and Umbrella as easy as possible, please tell us about yourself.

We’ve been listening to our agents, and know that you don’t like dealing with Premium Finance if you can avoid it.

We agree, and we’re thrilled to announce that Texas Elite HOA/HOA+/HOB policies will no longer need Premium Finance.

As of now you are able to offer a Direct Bill option with 16% of premium plus taxes and fees down and the remaining premium spread evenly across 9 monthly payments. An installment fee of $5 will apply to each installment, but you will not need to explain Premium Finance to your clients or complete any special paperwork.

Existing policies originally issued using Premium Finance will automatically be offered the direct bill installment plan on renewal.

We hope you’re as excited as we are about this significant improvement in simplicity and ease of use.

Number 9 Mosaic courtesy of Flickr user kasthor

At iMGA we’re constantly working to make things easier for our agents. Based on your feedback we’re working hard on our completely new accounting/billing system. In the meantime we’re working to improve the current options as much as possible, and are happy to announce:

NINE (9) monthly payments!

That’s right – almost all of our products (MobileHome, TDP1, TDP3, and HOA/HOA+) now require only 15% down plus policy fee and offer 9 monthly payments – to make things easier on you and your insureds.

To quote those products, the Vacant 6 and 12-month or the Non-Admitted HOA/HOA+/HOB programs, simply log in to the iMGA web site, select “Online Quoting”, choose “Start All Quotes Here” as the Line of Business, and in just a couple moments you’ll have a price you can rely on.

As always, if you have any questions about any of our products, please call Tony at extension 12 or Mike at extension 13 and they’ll be glad to help you.

Handling money can be fun if it’s for investing – or shopping 🙂

But handling insureds’ payments needs to be as easy and as fast as possible.

At iMGA we’re happy to help make that happen for you.

Online Payments

Your insureds can make online payments by going to and clicking on the Make a Payment link. It’ll take them directly to the site. All they’ll need to make a payment is their:

  • Policy number,
  • Mailing address zip code,
  • Checking account number, and
  • Bank routing number.

The payment will be credited to their account the same day as long as it’s made before 9pm CST, and will be reflected on their account within an hour or less.

You may post payments to customers accounts on their behalf via the same links, or, instead, by selecting “Make a Payment” from the drop-down list under the “Actions” button on the “Policy Manager” tab at

Mail Payments

Insureds or mortgagees who wish to mail a paper check instead should direct their payments to San Antonio Indemnity at the address on the policy invoices and NOT to iMGA’s offices. The payment address for your records is:

San Antonio Indemnity Company
PO Box 34104
San Antonio, TX 78265

At iMGA we’re working to make Texas Personal Property as EASY as possible. If you have any questions about any of the above, or any suggestions on how we can make things even easier, please let us know.

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