Knowledge Center

Welcome to the Input 1 Knowledge Center.  Here you will find articles and resources regarding the business of insurance premium financing.  We hope that you will find it useful.

 

 

 

Articles   

 

1. A Guide to Captive Premium Financing
2. Premium Finance vs. Direct Bill:  Playing Offense
3. A Diversification Opportunity for Banks

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  White Papers 

 

1. Lifecycle of an insurance premium loan
2. What is the Rule of 78's and how is it used in premium financing?
3. What is Assigned Risk?
4. What is an Additional Premium and what causes it?
5. Why are some taxes and fees financeable and others fully earned?
6. What are Unearned Premiums and Unearned Commissions?
7. How do Remittance and Retention factor into a premium finance transaction?
8. What does it mean to "Flat/Cancel" a loan?
9. What is the difference between a broker fee and producer/referral fee?

 

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Internet Resources 

 

1. Premium Financing as described in Wikipedia

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State Departments of Insurance on the web

 

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming