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Billing FAQs

Here are some of the common questions we get about COUNTRY Financial bills.

If you need an explanation about information found on your bill, you may find what you’re looking for in the Understanding Your Bills section.


  1. What are my bill payment options?
  2. When can I start making online payments?
  3. How do I update my bank account or credit card payment information?
  4. Can I combine my Auto, Home, Life, and Health policies on one bill?
  5. Can I make monthly payments?
  6. Can I change my automatic monthly withdrawal date?
  7. Why did I get a bill when I just paid it?
  8. How much is currently due?
  9. How much is needed to reinstate my policy?
  10. How do I pay my bills online?
  11. What bills can I pay online?
  12. How do I pay multiple policies online?
  13. I enrolled in paperless billing. How do I view my policies or get my insurance cards?
  14. Is it free to pay my insurance bills online?
  15. Can I set up recurring payments online?
  16. When can I make an online payment?
  17. I am only receiving one new bill email notification, but I have two registered policies. How do I get email notifications for the other policy?
  18. In COUNTRY Bill Pay, my bill information disappeared when I clicked the Pay button. What do I do?
  19. I received an error while using COUNTRY Bill Pay. How do I get back to paying my bill?

  1. What are my bill payment options?

    Auto/Home/Farm/Commercial/Umbrella

    • Online payment using your bank account, Visa, MasterCard, or Discover (you can set up recurring payments online)
    • Automatic monthly payment withdrawal from your bank account
    • Automated phone payment using your bank account, Visa, MasterCard, or Discover at 1-866-COUNTRY
      (1-866-268-6879)
    • Check payment mailed to COUNTRY Financial PO Box 2100 Bloomington IL 61702-2100 or delivered to your COUNTRY Financial representative 

    Life/Health/Annuity

    • Online payment using your bank account* (you can set up recurring payments online)
    • Automatic monthly payment withdrawal from your bank account
    • Automated phone payment using your bank account* at
      1-866-COUNTRY
    • Check payment mailed to COUNTRY Financial PO Box 2000 Bloomington IL 61702-2000 or delivered to your COUNTRY Financial representative

    *Credit card payments are not accepted for Life/Health/Annuity policies


  2. When can I start making online payments?

    Once your My COUNTRY account has been activated, you can make payments immediately if you have a balance due.


  3. How do I update my bank account or credit card payment information?

    If you are enrolled in an automatic monthly payment plan using your bank account, please contact your financial representative. Bank account information for automated payments cannot be updated online.

    If you use My COUNTRY online bill pay, choose Pay My Bill on the My COUNTRY landing page, then choose Payment Options, and edit or delete the payment account.


  4. Can I make monthly payments?

    Auto/Home/Farm/Commercial/Umbrella/Life/Health/Annuity

    Yes, you may set up recurring payments using your bank account in Online Bill Pay. You may also have your monthly balance withdrawn from your bank account for one or more policies.

    Auto/Home/Farm/Commercial/Umbrella

    If you have any combination of Auto, Home, Farm, Commercial or Umbrella policies, you may request a Combined Bill Plan, which allows you to have just one withdrawal per month.

    Life/Health/Annuity

    If you have multiple Life, Health or Annuity policies you may request a Combined Bill Plan, which allows a monthly billing schedule for all policies on the plan.

    Auto, Home, Life, and Health policies cannot be combined together on a single Combined Bill Plan.


  5. Can I change my automatic monthly withdrawal date?

    Yes, you can request automatic monthly payments to be withdrawn from your bank account on a different date. You can make this change by calling 1-866-COUNTRY (1-866-268-6879) or by contacting your COUNTRY Financial representative.

    Available withdrawal dates: 

    Auto/Home/Farm/Commercial/Umbrella

    Life/Health/Annuity

    1st, 10th, 15th, or 25th

    5th, 10th, 15th, or 25th


  6. Why did I get a bill when I just paid it?

    There are two possible reasons for this. First, an overlap might exist between when we sent the most current bill to you and when you paid the previous one. The second most common cause is that you missed a payment.

    Contact us at 1-866-COUNTRY (1-866-268-6879) for more information.


  7. How much is currently due?

    If you have a My COUNTRY account, login and click Pay My Bill to see your current amount due. If no amount is shown, no amount is currently due. Even if you do not have a current amount due, you can set up a recurring payment with your bank account.

    You may also call 1-866-COUNTRY (1-866-268-6879) for your amount due.


  8. How much is needed to reinstate my policy?

    Different issues may affect the amount needed to reinstate your policy and additional information may be required. It is best to contact your COUNTRY Financial representative if you wish to reinstate your policy.


  9. How do I pay my bills online?

    Create a My COUNTRY account using the policy information shown on your premium notice. After your email address is verified, click Pay My Bill to add a payment method, make payments, add recurring payments with your bank account, or enroll in paperless billing. You will also have access to your premium notices and bill history for the last six months.


  10. What bills can I pay online?

    Most auto, home, farm, umbrella, commercial, life, health, and annuity premiums can be paid online. Policies already enrolled in automatic monthly payment plans cannot be managed online.

    For questions regarding policies that you cannot pay online, please contact your COUNTRY Financial representative.


  11. How do I pay multiple policies online?

    Login to your My COUNTRY account and choose Add a Product to add policies/accounts. When you click on Pay My Bill, all policies/accounts with a balance due will appear. Choose Select All and Pay Selected to pay all policies/accounts at once.
    NOTE: You may not be able to use the same payment method for all policy types (see FAQ #1 above).


  12. I enrolled in paperless billing. How do I view my policies or get my insurance cards?

    Enrollment in paperless billing applies only to your premium notices. You will continue to receive paper versions of your policy declarations and proof of insurance cards.

    Policy details and declarations are not available online. However, temporary insurance cards may be printed from your My COUNTRY account for registered auto policies.


  13. Is it free to pay my insurance bills online?

    Yes! COUNTRY Financial does not charge any additional fees to pay your bills online.


  14. Can I set up recurring payments online?

    Yes! Login to your My COUNTRY account, click on Pay My Bill, and add a bank account as your payment method. Click Add/Edit Recurring Payments on the Payment Options screen then choose Add Recurring Payment.


  15. When can I make an online payment?

    Online bill pay is available 24 hours a day, 7 days a week. Online bill pay may be unavailable from 2:00 am to 3:00 am Monday through Saturday and on Sundays from 2:00 am to 5:00 am Central Time due to routine maintenance.


  16. I am only receiving one new bill email notification, but I have two registered policies. How do I get email notifications for the other policy?

    After you add a new policy, you must click on Pay My Bill to activate the new bill email notifications even if you do not currently have a bill due.


  17. In COUNTRY Bill Pay, my bill information disappeared when I clicked the Pay button. What do I do?

    You must have JavaScript enabled to use online bill pay. If you need assistance enabling JavaScript within your browser, call 1-866-COUNTRY (1-866-268-6879).


  18. I received an error while using COUNTRY Bill Pay. How do I get back to paying my bill?

    You may need to refresh your page or logout and log back in to continue using online bill pay. If you are using Safari or Chrome, do not use the browser forward and back arrows while using COUNTRY Bill Pay. Use the navigation links provided on the page to navigate through the bill pay site. If you continue to experience errors, call 1-866-COUNTRY (1-866-268-6879).


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