You can obtain a premium finance agreement through J.M. Wilson's in-house financing company, Cedar Finance, from the underwriter who provided you with a quote proposal.

Cedar Finance is available in the following states: Georgia, Illinois, Indiana, Iowa*, Kansas, Michigan, Missouri, Nebraska, Ohio, South Carolina, Tennessee, West Virginia, and Wisconsin.

* In the state of Iowa, Cedar Finance is available for Commercial business only.

The following items apply when any risk is premium financed:

- The premium (excluding any applicable taxes & fees) must be at least $700.
- Policy term must be at least 6 months.
- Premium financing is not available on policies which are 100% fully earned.
- Cancellation return premiums must be used to pay off the balance of the loan owed to the premium finance company before any money is returned to the insured.
- All premium financed policies will appear on your agency statement in full. The amount due from the agency on the policy should be the down payment, less commission.
- Reinstatement notices on the loan from the premium finance company does not mean the policy has been reinstated. Please be sure to check with your underwriter to make sure the policy is “IN FORCE.”

Installment Payment Options:

1. Pay online by check or credit card at: Fees associated with are $5.99 for e-checks and 2.99% of the transaction + $1.00 for credit cards.

2. Pay vie EFT (electronic funds transfer) by completing the 'Recurring Payment' form received with your quote and send that in along wit the signed contract. There is a one-time set up fee of $12.99 that will be charged with the first payment, per the agreement.

3. Pay by mail with check, money order, or certified funds to: Cedar Finance Company, P.O. Box 1506, O'Fallon, IL 62269.

Did You know...

Cedar Finance can provide financing on policies written with other brokers / MGAs, as well as those written with J.M. Wilson! See Guidelines, Advantages and Request Form to learn more about financing your outside policies through Cedar Finance.

Insureds' Statements

Your insureds can receive their monthly statements directly from Cedar Finance via email. This option can be set up when the premium finance agreement is quoted, or anytime during the life of the loan by calling 618-589-2290.

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Endorsements are not automatically financed - Contact the Accounting Team to add endorsements to existing loans.

Crystal Russell
Dawn Van Niman
Jen Slater
Mark Sundstrand

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