Answering Your ePayment Questions
Let us answer your questions and help you get started with your ePayment.
What is ePayments?
ePayments 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 Website. If you would like to make an additional payment, simply re-enter the ePayment system to continue.
How secure is my ePayment and personal information?
What is the cost to make an ePayment?
There are no transactional costs to make an online premium payment through the ePayment system.
Who can make an ePayment?
If you are an owner or payer 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.
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 payer on an annuity or life insurance policy, you can still make an electronic premium payment.
If you are an owner, payer 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?
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.
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 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.
What types of credit/debit cards can I use to make a payment?
You may use Visa®, MasterCard®, Discover®, or American Express 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.
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.
How do I update my bank account or credit card information?
If you would like to update your bank account or credit card information, simply click on the "Update Payment Info" link near the top of the MyAccount page. This will allow you to go to the JPMorgan Chase website to change your bank account or credit card (e.g. update the expiration date) information even if you don't have a payment due.
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.
When will I know if my payment is being processed?
If you close out of the JPMorgan Chase site and come back to view the payment history screen in the ePayment system, you should see the transaction in a pending state within a few minutes.
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.)
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.
Why can I view, but not make a payment on some policies?
If the option to make a payment is not in the payment options section, 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 payer 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 due is past the cancellation date.
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-FBFS or 1-785-587-6011 Monday –Friday, 7AM – 7PM or Saturday, 9AM – 1PM Central Time. We are currently unable to take payments for Farm Bureau annuities or life insurance policies over the phone.
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.
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.
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."
Payments may take up to two business days to apply to your policy, depending upon which method of payment you chose.
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" page in the ePayment system, you should see the transaction in a pending state within a few minutes.
Within moments after completing the payment, you will receive an e-mail from JPMorgan Chase 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 appearor 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: