BriteCore uses the following Billing Statements (invoices):

Notice of Non-Renewal

This deliverable is used when non-renewing a policy:

  • Example 1

You are hereby notified in accordance with the terms and conditions of the above mentioned policy, and in accordance with the law, that your insurance will cease at and from the hour and date mentioned above.

THE REASON FOR CANCELLATION IS: {nonrenew_reason} {print_description}

Unearned premium, if any will be refunded within a reasonable time.

In respect to any commercial lines policy provided to you, the first named insured or his/her authorized agent/broker may request in writing loss information with respect to this policy and previous polices we have written for you. We will provide this information within 10 days from the date we receive your request.

If you have any questions in regard to this termination, please contact the Company's representative: John Smith.

Insurance Law prohibits insurers from engaging in redlining practices based upon geographic location of the risk or the producer. If you have any reason to believe that we have acted in violation of such law, you may file your complaint with the Department either on its website at [site] or by writing to the Department of Financial Services, Consumer Assistance Unit, Financial Frauds and Consumer Protection Division, at either [address].


This policy provides fire and extended coverage insurance on your property. You should contact your agent or any agent concerning coverage through another insurer, or your possible eligibility for coverage through the Property Insurance Underwriting Association. Or, you may contact this insurance company or your agent at: {agency} {agency_phone}.

Only with respect to any personal lines policy provided to you, certain properties located a defined distance from the shore of a salt water ocean, sound, bay or inlet may be eligible for the Coastal Market Assistance Program (C-MAP). To contact this insurance company or your agent to see if you are eligible for C-map, please call {agency} {agency_phone}

  • Example 2

We thank you for your past business with our company; however, we regret to inform you that we will not be able to continue your insurance policy. You are hereby notified in accordance with the terms and conditions of the above mentioned policy that your insurance will cease at and from the hour and date mentioned above. If the premium has been paid, premium adjustment will be made as soon as practicable after cancellation becomes effective. If the premium has not been paid, a bill for the premium earned to the time of the cancellation will be forwarded in due course.

Reason: This Policy To Be Canceled As Shown Above Because - {nonrenew_reason} {nonrenew_description}

Please Note: Coverage may be available through the Joint Underwriting Association.

No Other Notice of Cancellation Will Be Sent. We reserve the right to refuse any request for reinstatement after the cancellation date.

Notice of Cancellation

This deliverable is used when cancelling a policy for reasons other than non-pay and non-renewal, which can include the property being sold, the insured being deceased, or the insured misrepresenting facts on an application:

  • Example 1

We regret to inform you that we will not be able to continue your insurance policy. You are hereby notified in accordance with the terms and conditions of the above mentioned policy that your insurance will cease at and from the hour and date mentioned above. If the premium has been paid, premium adjustment will be made as soon as practicable after cancellation becomes effective. If the premium has not been paid, a bill for the premium earned to the time of the cancellation will be forwarded in due course.

Reason: This Policy To Be Canceled As Shown Above Because - {cancellation_reason}{print_description}

Please Note: Coverage may be available through the Joint Underwriting Association.

No Other Notice of Cancellation Will Be Sent. We reserve the right to refuse any request for reinstatement after the cancellation date.

Notice to Mortgagee or other Interested Parties:
{mortgagee}

This will serve as your notice based on the terms and conditions of the policy that your interest(s) is also being canceled based on the reasons stated above. The date and time of the cancellation will be effective as reflected in this notice.

  • Example 2

You are hereby notified in accordance with the terms and conditions of policy {policy_number} that your insurance coverage ends at 12:01 AM (Standard Time) on {cancellation_date}.

The reason for this action is: {cancellation_reason}


Please contact {agency} at {agency_phone} regarding any of the following:
1) Questions about this cancellation.
2) The availability of coverage from another company.
3) The availability of coverage through the Kansas All-Industry Placement Facility, also known as the Kansas FAIR Plan.

Notice of Cancellation Non-Payment of Premium

This deliverable is used for all non-payments of premium:

  • Example 1

You are hereby notified in accordance with the terms and conditions of policy {policy_number} that your insurance coverage ends at 12:01 AM (Standard Time) on {last_nonpay_cancel_date}.

This is due to non-payment of premium that was due on {last_nonpay_due_date}.

To maintain uninterrupted coverage, a payment must be received in our office for {past_due} (which includes a non-refundable late payment fee of {late_payment_fee}) before 12:01 AM (Standard Time) on {last_nonpay_cancel_date}.

Please note this is the last notice you will receive regarding this matter.

Please contact {agency} at {agency_phone} with questions regarding this notice.

  • Example 2

Our records show that we have not received your premium payment for the above referenced policy that was due {due_date}. You are hereby notified in accordance with the terms and conditions of the above mentioned policy that your insurance will cease at and from the hour and date mentioned above. If you believe our records to be in error, or you failed to pay your premium by the due date, please contact your agent listed above immediately.

Reason: This Policy To Be Canceled As Shown Above Because - {cancellation_reason}

The amount due is {amount_due} and an additional late fee of {late_payment_fee}. Please pay this amount before the {cancellation_date}.

No Other Notice of Cancellation Will Be Sent. We reserve the right to refuse any request for reinstatement after the cancellation date.

PLEASE NOTE: Coverage may be available through the Joint Underwriting Association.

Notice to Mortgagee or other Interested Parties:
{mortgagee}

This will serve as your notice based on the terms and conditions of the policy that your interest(s) are also being canceled based on the reasons stated above. The date and time of the cancellation will be effective as reflected in this notice.

  • Example 3

"As a courtesy", we provide this notice 10 days prior to the expiration date of the policy "as a reminder of your premium due." This will serve as notice that the above policy "Will Be Cancelled" as of {cancellation_date}. If the premium is not received and the policy cancels, a "confirmation of cancellation" will be sent to all parties.

Coverage from this {policy_type} policy will not be in force after the date noted above. You are receiving this reminder notice due to "{cancellation_reason}."

The premium amount of {amount_due} must be received in our office prior to {cancellation_date}. We reserve the right to refuse any request for reinstatement after the cancellation date.

Notice to Mortgagee or other Interested Parties:
{mortgagee}

This will serve as your notice based on the terms and conditions of the policy that your interests will also be canceled based on the reasons stated above. The date and time of the cancellation will be effective as reflected in this notice. If the premium is not received and the policy cancels, a "confirmation of cancellation" will be sent to all parties.

  • Example 4

Your policy premium of {past_due} is past due. If payment is not received before {cancellation_date}, your policy will be cancelled for non-payment of premium on the "Cancellation Will Take Effect:" date shown above. If premium payment has been made, please disregard this notice.

If you have any questions about your bill, please feel free to contact CARRIER, or {agency} at {agency_phone}.

Confirmation of Cancellation

This deliverable is used when a policy cancels/lapses for any reason. Many clients append an Earned Premium Statement to the end of this deliverable:

  • Example 1

Policy Cancellation date is {cancellation_date}

Your policy was cancelled on the above date and is no longer in force with this company. If your policy cancelled for non payment of premium, please contact your agent, shown above, immediately concerning the possibility of reinstatement and what actions you must take. Your time-frame to act is very limited, so call your agent today. For your financial security, you should secure replacement coverage as soon as possible.

As a result of this cancellation, there may be earned premium due the company for the period of time this policy was in effect. The amount due of {amount_due} shown below is the premium you owe to close out your account with a zero balance as of the cancellation date shown above. It is not the amount due to reinstate your policy and payment of this amount will not reinstate your policy. If the amount due is blank or $0.00, there is no earned premium and no payment is required. Please remit any amount due within 20 days.

If there is an amount due and it is not paid promptly, we may forward your account to our collection agency for further action.

EARNED PREMIUM INVOICE
Please return this stub with your payment to:
INSURANCE COMPANY
ADDRESS
CITY, STATE ZIP
AMOUNT DUE: {amount_due}
POLICY NUMBER: {policy_number}
NAMED INSURED: {insured}

Please remit within 20 days and include your policy number on your check.

  • Example 2

This will serve as notice that the above policy "Has Been Cancelled" as of {cancellation_date}.

Coverage from this {policy_type} policy is no longer in force as of {cancellation_date}. You are receiving this notice of cancellation due to "{cancellation_reason}."

No Other Notice Will Be Sent. We reserve the right to refuse any request for reinstatement after the cancellation date.

{print_description}

Notice to Mortgagee or other Interested Parties:
{mortgagee}

This will serve as your notice based on the terms and conditions of the policy that your interest has been canceled based on the reasons stated above. The date and time of the cancellation was effective as noted above.


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