General Questions:
What is ePayments?
How does ePayments work?
How secure is my ePayment and personal information?
What is the cost to make an ePayment?
Who can make an ePayment?
What happens if there are insufficient funds in my account to make a payment?
Why won’t all my policies appear?
Who do I contact if I have questions about my ePayment transaction?
After I register for account access, how long does it take until I can make a payment?
What will appear on my bank or credit card statement?
What is the account balance?
Why is there no policy history listed prior to October 22, 2007?
Why can’t I view complete policy history on the JPMorgan Chase history page?
Questions about making an ePayment:
What types of credit cards can I use to make a payment?
Why can’t I pay all my policies with a credit card?
Where do I find the security code on my debit/credit card?
What if I have a question while making a payment on the JPMorgan Chase site?
Why does the screen go blank and the browser window close while I am trying to make a payment on the JPMorgan Chase site?
When will I know if my payment is being processed?
Why do I have to enter my bank/credit card information again?
Can I pay less than the amount due?
Can I pay more than the amount due?
Why do some policies show a zero amount due?
Why can I view, but not make a payment on some policies?
What is a registered payment?
What is an unregistered payment?
Can I set up a payment to draw from my account on a future date?
What if I want to make more than one payment?
Transaction Questions:
How do I know if my ePayment was applied?
When will I know if my payment is being processed?
Is my transaction processed the same day I make the payment?
Who do I contact if I have questions about the policies that appear or the amount due?
General Questions:
What is ePayments?
It is an electronic payment system for Farm Bureau Financial Services customers to make premium payments on their annuities, life insurance and personal property/vehicle/liability policies.
How does ePayments work?
After registering for account access, you can make an eligible online payment through the ePayment system. By logging into the site, your policy information will appear and you choose which policy(s) you would like to pay and how much you would like to pay. Depending on your type of policy, there may be restrictions on the amount you may pay. The amount of the requested payment is then sent to our payment vendor at JPMorgan Chase to process your payment. After your transaction is complete, you will close out the JPMorgan Chase site and come back to this Web site. If you would like to make an additional payment, simply re-enter the ePayment system to continue.
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How secure is my ePayment and personal information?
All personal information in the Farm Bureau Financial Services policy system is kept here. Any financial information, including bank account and credit card numbers are kept with our payment vendor, JPMorgan Chase. Both Web sites are secure and we do not pass your personal information over the Internet. You may click here to learn more about Farm Bureau Financial Services’ Privacy Policy. You may also choose to visit JPMorgan Chase’s Privacy Policy.
What is the cost to make an ePayment?
There are no transactional costs to make an online premium payment through the ePayment system.
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Who can make an ePayment?
If you are the owner or payor on a Farm Bureau annuity or life insurance policy, you may make a premium payment. If you are the owner or billing client on a personal property/vehicle/liability policy (Farm Bureau Member’s Choice), you may make an online premium payment.
What happens if there are insufficient funds in my account to make a payment?
Your bank will notify the Company (either Farm Bureau Property & Casualty Insurance Co. or Farm Bureau Life Insurance Co., depending on which type of product you are paying) and you will be charged an NSF (non-sufficient funds) fee.
If the NSF occurs on a personal property/vehicle/liability policy, you will receive a letter with notification that you will be assessed a service fee of $25 for the NSF.
If the NSF occurs on an annuity or life insurance policy, you won’t be charged a fee, but your policy will lapse.
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Why won’t all my policies appear?
• If you are not listed as the owner of a policy, you will be unable to view it on your My Account page. However, if you are listed as a billing client on a property/vehicle/liability policy (Farm Bureau Member’s Choice) or a payor on an annuity or life insurance policy, you can still make an electronic premium payment.
• If you are an owner, payor or billing client and don’t see the option to make a payment on a policy, it may not be eligible for payment at that time. You should check back nearer to the date your premium payment is due.
Who do I contact if I have questions about my ePayment transaction?
(800) 247-4170 M – F 8:00 a.m. – 4:30 p.m. CST for annuities or life insurance policies.
(866) 399-3237 M – F 7:00 a.m. – 7:00 p.m. or Sat. 8:00 a.m. – 1:00 p.m. CST for property/vehicle/liability policies.
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After I register for account access, how long does it take until I can make a payment?
After you register an account, an activation number will be e-mailed to you within a few minutes. When you enter the activation number, you may access the ePayment system.
What will appear on my bank or credit card statement?
If you make a payment on a personal property/vehicle/liability policy, you will see “FB P-C Ins” on your statement. If you make a payment on an annuity or life insurance policy, you will see “FBLife Pmt” on your statement.
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What is the account balance?
The account balance is the amount due to pay the account in full for your personal property/vehicle/liability on the portion of the policy that you pay for.
Why is there no policy history listed prior to October 22, 2007?
The policy history began on the day Farm Bureau started taking online payments, which was October 22, 2007. This payment history will provide a history of all types of payments (e.g. checks, credit card, e-check or via the phone) on a Farm Bureau policy from that date forward.
Why can’t I view complete policy history on the JPMorgan Chase history page?
JPMorgan Chase categorizes payments by method of payment rather than by policy, so if you make payments on a policy using different methods (e.g. credit card vs. eCheck) they will not be presented together. To view the full policy history, click the "Payment History" link on the Farm Bureau Financial Services website.
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Questions about making an ePayment:
What types of credit/debit cards can I use to make a payment?
You may use Visa® or MasterCard® to make a payment on your personal property/vehicle/liability policy (Farm Bureau Member’s Choice) or your fixed premium Farm Bureau life insurance and annuity products.
Why can’t I pay all my policies with a credit/debit card?
Government regulations will not allow the premium payment on certain types of products, such as variable life insurance or variable annuities, with a credit/debit card.
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Where do I find the security code on my credit/debit card?
It is the last three digits in a long string of numbers on the back of your card.
What if I have a question while making a payment on the JPMorgan Chase site?
Simply click on the help tool in the upper right-hand corner on the JPMorgan Chase site.
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Why does the screen go blank and the browser window close while I am trying to make a payment on the JPMorgan Chase site?
This is a known issue when using GOOGLE CHROME browser. Switching to either Windows Internet Explorer or Firefox to make a payment on the JPMorgan Chase site will solve this.
When will I know if my payment is being processed?
If you close out of the JPMorgan Chase site and come back to the payment history screen in the ePayment system, you will see the transaction in a pending state within a few minutes.
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Why do I have to enter my bank/credit card information again?
If you attempt to make an online payment within 24 hours of registering for account access or you change your password in your profile, for security purposes, you will be required to re-enter your bank/credit card information when you are on the JPMorgan Chase site.
Can I pay less than the amount due?
If you attempt to pay less than the scheduled amount, you will receive an error message that will provide you with the minimum amount you can pay.
On flexible premium policies, which may include annuities, universal life, and variable universal life policies; you may pay less than the amount due as long as your policy has adequate cash value to cover the remaining amount due. (Note: Due to government regulations, you may not use a credit/debit card to make a payment on variable or flexible premium product.)
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Can I pay more than the amount due?
On a personal property/vehicle/liability policy (Farm Bureau Member's Choice) you may pay more than what is scheduled. However, you may not pay more than the account balance. If you attempt to pay more than the account balance, you will receive an error message that will provide you with the maximum payment allowed.
On a Farm Bureau variable annuity or life insurance policy, you may pay more than the scheduled amount. You may not pay more than the amount due on a traditional (fixed premium) life insurance policy. (Note: Due to government regulations, you may not use a credit/debit card to make a payment on variable or flexible premium product.)
Why do some policies show a zero amount due?
For a personal property/vehicle/liability policy, an invoice may not have been generated or the account has been paid in full.
For an annuity or variable life insurance policies, there is no billed amount due.
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Why can I view, but not make a payment on some policies?
If the checkbox to make an ePayment is grayed out, you will be unable to make a payment. Possible reasons for this include:
• Your insurance premiums are paid by another party, such as your mortgage company or other individual.
• You may have been removed as a payor on the policy.
• The premium on the portion of the policy that you pay for has been paid in full.
• The policy has been cancelled
• The premium amount is past due
If you would like to make a personal property/vehicle/liability (Farm Bureau Member's Choice) policy payment over the phone, you may call Customer Service at 1-866-399-3237 M – F 7:00 a.m. – 7:00 p.m. or Sat. 8:00 a.m. – 1:00 p.m. CST. We are currently unable to take payments for Farm Bureau annuities or life insurance policies over the phone.
What is a registered payment?
A registered payment means JPMorgan Chase has your registration information on record so you can simply enter the username and password you use to log in to www.FBFS.com and make your payment. Once you have entered your bank/credit card information, JPMorgan Chase will retain that information so you won’t need to enter it again. However, if you change the e-mail address in your profile, you will need to wait 24 hours before making a payment or it will be considered an unregistered payment (see below).
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What is an unregistered payment?
An unregistered payment means JPMorgan Chase does not have your registration information on record. If you have registered for account access or updated your e-mail address in your profile prior to 24 hours before attempting to make a payment, it will be considered an unregistered payment.
With an unregistered payment, JPMorgan Chase will not retain your bank/credit card information and you will need to re-enter it each time you make a payment until 24 hours has passed and your records are updated. At that time, JPMorgan Chase will have your bank/credit card information on file and you will not need to re-enter it each time.
Also, if you make an unregistered payment, that payment will not appear in the payment history section on the JPMorgan Chase site.
Lastly, unregistered payments cannot be edited. If you complete a payment and would like to return later to edit it, you will be unable to do so.
Can I set up a payment to draw from my account on a future date?
Yes, you may if you have been sent a bill/statement and it is not yet past the due date, you may set up a payment to draw from your account prior to the due date printed on your bill/statement.
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What if I want to make more than one payment?
If you would like to make an additional payment after completing one transaction, simply re-enter the ePayment system to continue.
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Transaction Questions:
How do I know if my ePayment was applied?
• Check the Payment History section in the ePayments system. When a payment has been applied to your policy, the status will change from "Pending" to "Paid."
• Payment may take up to two business days to apply to your policy, depending upon which method of payment you chose.
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When will I know if my payment is being processed?
• If you close out of the JPMorgan Chase site and come back to the payment history screen in the ePayment system, you will see the transaction in a pending state within a few minutes.
• Within moments after completing the payment, you will receive an e-mail with the transaction confirmation number at the e-mail address you provided in your profile.
Note: Please remember to update the e-mail address in your profile to keep it current.
Is my transaction processed the same day I make the payment?
You will receive a confirmation via e-mail from JPMorgan Chase moments after you submit your payment. Depending upon which method of payment you choose, it may take two business days before the payment reflects a paid status. You can check the Payment History section to see when your payment has been applied to your policy and marked as paid.
Who do I contact if I have questions about the policies that appear or the amount due?
If you feel you should be able to view a policy(s) or make a payment and are unable to do so, or the amount due is different than your invoice, please call:
(800) 247-4170 M – F 8:00 a.m. – 4:30 p.m. CST for Farm Bureau annuities or life insurance policies.
(866) 399-3237 M – F 7:00 a.m. – 7:00 p.m. or Sat. 8:00 a.m. – 1:00 p.m. CST for personal property/vehicle/liability policies (Farm Bureau Member's Choice).
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