Making an Online Payment

We offer a variety of ways to pay electronically online.

Questions about Making an Online Payment?

Contact our Customer Service Support team!

Contact Us

Answering Your Online Payment Questions

Let’s answer your questions and help you get started with your online payment. Online payments are secure and can be made by logging into your fbfs.com account, or by using our Quick Pay option.


General Questions


How does an online payment work?

After registering for your fbfs.com account access, you can make an eligible online payment through the payment 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 to process your payment.

How secure is my online payment 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, is kept with our payment vendor. 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.

What is the cost to make an online payment?

There are no transactional costs to make an online payment.

Who can make an online payment?

  • 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 or liability policy, 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 us and you will be charged a non-sufficient funds (NSF) (fee.

If the NSF occurs on a personal property, vehicle or liability policy, you will be charged a service fee of $25.

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 may be unable to view it on your My Account page. However, if you are listed as a billing client on a property, vehicle or liability policy or a payer on an annuity or life insurance policy, you can still make an electronic 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 online payment transaction?

If you have questions regarding your online payment, you can contact us with the information located here.

After I register for account access, how long does it take until I can make a payment?

After your account is registered, you may make an online payment immediately.

What will appear on my bank or credit card statement?

Client/members will see the following names on their bank account statements per company: 

  • Farm Bureau Property & Casualty Insurance Company: “FBFS PC Insurance Pmt” or “FBFS”
  • Western Agricultural Insurance Company: “FBFS AgMax Payment” or “FBFS”
  • Farm Bureau Life Insurance Company: “FBFS Life Ins Payment” or “FBFS”


Online Payment Process Questions


What types of credit or debit cards can I use to make a payment?

You may use your bank account or any major credit card to make a payment.

Why can't I pay all my policies with a credit or 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 or debit card.

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.

Can I pay more than the amount due?

On a personal property, /vehicle or liability policy 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. 

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 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 due is past the cancellation date.

Can I set up a payment to draw from my account on a future date?

Yes, you may set up your account for auto payments on your property, vehicle or liability policies. 

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 secure payment system to continue.


Transaction Questions


How do I know if my online payment was applied?

Check the Payment History section in the online payment system. When a payment has been applied to your policy, the status will change from "Pending" to "Applied."

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?

You will receive an email confirming the transaction shortly after submitting your payment.

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?

Depending on which method of payment you choose, it may take two business days before the payment reflects an applied status. 

Who do I contact if I have questions about the policies that appear or the amount due?

If you have questions regarding your online payment, you can contact us with the information located here.

You May Also Like