So I have SCCP on my credit card and a balance of just under 2000$. For example, a per occurrence basis could be a $20,000 insurance limit on. Your car insurance premium is the amount you pay your insurance company for coverage. For example, if you get into an accident and file a claim,. Healthcare continuation coverage (coverage under COBRA) Healthcare coverage while receiving federal or state unemployment. Acko General Insurance Motor Bill Payment. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. The consumer is charged a monthly premium or fee, the cost of which is calculated pursuant to a rate formula based upon the outstanding balance on the credit card monthly account statement. 39 percent of Jose and Alma’s household income, even though it is 10 percent of Jose’s income alone. Amica. 14% of household income ( $792 per. 6. For example, if you pay $212 per month to keep your car insured, your yearly insurance premium would be $2,544. , of roughly $6. Insurance Premium is the amount paid by any individual or a corporate entity to cover themself from uncertain events resulting in heavy economic and non-economic losses. com, but you could pay much more or less than this. Basic Bank Account. 2 billion, with $1. EMPLOYER STATEMENT – TO BE COMPLETED BY EMPLOYER OF THE. Participate in a safe driving program. Your home's location. a Major Japanese Developer investing in various condominium projects in Bangkok. qc. Reduce Your Policy’s Face Value. Protects your bank in case you default on your loan; it does not protect you or your interest in the property. Take note: While a car insurance premium is the price you pay for your auto policy, it may not be your only cost. Premiums. Minimum daily closing balance required for the entire month to pay $0/month. Scotia Line of Credit Insurance: Please note that Chubb Life Insurance Company of Canada does not. Rev. These individuals have the necessary licensing and experience. This implies that the gross premium for that year is $5,000. Insurance companies determine your premiums according to risk factors, like driving history, age, credit score, and more. 1685 E [email protected] ceded is the portion of risk that a primary insurer passes to a reinsurer. gov. Amy De Vore is a writer who has worked in the insurance industry since 2013. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Split Premiums. Once the insurance company calculates the. NFL NBA Megan Anderson Atlanta Hawks Los Angeles Lakers Boston Celtics Arsenal F. D. With FHA loans, you’ll need to pay a mortgage insurance premium (MIP). Premiums are usually paid either monthly, every six months, or annually and are determined by various factors, including your driving record, age, and the coverages you select as part of your policy. Monday - Friday. EMAIL: SCCPClaims@umu. Federal EI premium rates and maximums; Year Maximum annual insurable earnings definition: Maximum annual insurable earnings Rate (%) definition: Rate Maximum annual employee premium definition: Maximum annual employee premium Maximum annual employer premium definition: Maximum annual employer premium; 2024: $63,200:. It was noted that failure to satisfactorily provide an objective rationale for a. You can also choose to pay your premium in one lump sum. Scotia Credit Card Protection is optional insurance that can help you stay on solid financial ground. Choose a 3, 6, or. 5. It may also include medical expenses and liability coverage. Scotia Credit Card Protection provides benefits for you and a Co-borrower, such as a spouse. Bajaj Allianz Life Insurance Company Limited Bill Payment. Universal life insurance provides the. When SIP dial rules are leveraged, a user. 5% of your adjusted gross income. S. com Insurance > Creditor Insurance > Guides and summaries Questions? Call us: 1-866-995-8705 Secure email: [email protected] your premiums are calculated. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 800. $1. The average Obamacare plan costs $469 per month for a 40-year-old individual, $937 for a couple age 40, $1,214 for a 40-year-old couple with one child, and $1,491 for a 40-year-old couple with two. The insurance premium is income for the insurance company, once it. The example they give is a balance of $500. Overall. (1) Establishments primarily engaged in initially underwriting insurance policies. coverage is the sum of the calculated premiums for the billing period. Interest rates: 20. Alabama city. Insurance costs usually rise as you get older, even though your actual need for insurance may not change. Deduction = ($8,600 / 84) x 6 months = $614. I'm getting a fee tacked on to my credit card every month from Scotiabank. 79% increase from $480 in 2022. For Comprehensive Protection the monthly premium rate is $1. 221. Insurance companies base the amount you'll pay as a premium on the amount they think they’ll need to pay if you. In case of job loss or other reasons, you make a claim. Daily Balance # of Days Daily Premium Rate Premiums ($1. Average Car Insurance Premium. Your rates depend on your age, gender, health, and hobbies, as well as length and amount of coverage. When you cancel an eligible Scotiabank credit card, or you switch your eligible Scotiabank credit card with an active installment plan to a Scotiabank credit card that is not eligible for installment plans, the installment plans will automatically get cancelled. The only major bank that saves you 2. Premium on Total Loan Amount (from the table above): 3. pdf from BUSINESS 3301 at Brock University. Gross premium is the amount expected to be received by the insurer over the life of the policy term. 221. Your Account balance is insured for up to $50,000, however, premiums are onlyYou pay off your credit card in full every month. Box 1097, Station B Willowdale, Ontario, M2K 3A2. Generally speaking, the higher the property value, the lower the cost of the Texas title insurance policy on that property. Annual fee: $120. This fee can range from 1. There is usually a maximum limit on the. If you’re self-employed, you might. For example, you could drop a $1 million policy to $500,000 in. Term lengths are typically fixed periods of 10, 20 or 30 years. If you’re paying $100 per month for insurance, a card that offers a $200 bonus after spending $1,000 in the first month could be a better option. SCCP. Acko General Insurance Health Bill Payment. Mortgage life insurance insurance is usually more expensive than a comparable term life insurance policy, unless you have numerous health issues, are older, or participate in hazardous activities. Going from a deductible of $500 to. $0* or $16. The earn rate is 1X points per S$1 for Prudential Platinum. The scope of the coverage itself (i. But beyond that, you’ll pay more if you’re a bigger risk or opt for better coverage. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $1,500 per certificate CDN for necessary toiletries and clothing. However, most FHA home loans require an upfront mortgage insurance premium or MIP and an annual premium regardless of the down payment amount. 35%. It protects you in case of an accident. m. Contact Scotia Insurance for any Creditor insurance-related questions such as coverage, premiums, claim status, features, or auto-relevant queries. Starting Jan. com Canada Life’s client number listed in the AMF registry: 2000737730 AMF website: lautorite. See a sample certificate of insurance on our website: Canadalife. Workers' Compensation Commission in accordance with South Carolina statutes. 75 percent of the loan amount. Jose’s share of the premium for his employer-sponsored health insurance is $2,500 per year to cover only him (or 7. S. Valheim Genshin Impact Minecraft Pokimane Halo Infinite Call of Duty: Warzone Path of Exile Hollow Knight: Silksong Escape from Tarkov Watch Dogs: Legion. 2 billion, with $1. To qualify for a subsidy in 2020, your income for the year must be between 100% and 400% of the federal poverty level (Getty Images) If you lose your job, be. You pay insurance premiums for policies that cover your health, car, home, life, and others. Premium Powerups Explore Gaming. Chubb Life Insurance Company of Canada, nor can they waive or change any terms of the Scotia Credit Card Protection plan. Answering a few questions will help you better understand your mortgage insurance needs. Your monthly insurance premiums would be $24. and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. 00, such amount shall be reported as a covered transaction, even if the amounts of the amortizations are less than the threshold amount. Getting the state minimum level of car insurance is a great way to make your premium much cheaper, but it can leave you at risk. 99% after that; annual fee $0). Not sure how to use the planner? Call us at 1-855-753-4272. com Canada Life’s client number listed in the AMF registry: 2000737730 AMF website: lautorite. $3. Your insurance has a $200 co-pay for outpatient surgery. Factors that influence renters insurance premiums include: Coverage amount. 8:00 a. 00 for classified and $18,960 for certified annually to the medical coverage for each employee enrolled in State Heath Benefit. 03. SCCP is responsible for establishing the cash and securities liabilities and entitlements of its Clearing Members, synchronizing the settlement of funds and the transfer of securities based on the Delivery-versus-Payment Model 3 or Multilateral Net Settlement; guaranteeing the settlement of trades in the event of a. 99% cash advances. e. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. In short, the premium you pay is what buys you an insurance policy — and it’s how insurance companies earn the money they need to cover repairs, replacements, and the other expenses that come with losses and claims filed by policyholders. 668. The national average premium for a full coverage car insurance policy in 2023 is $2,014 per year, according to Bankrate’s study of average rates from Quadrant Information Services. The projects are being developed by a joint venture. 7. Scotiabank Gold American Express® Card. $500,000 - $1,000,000. 7092 F +1. The little-known Standard Chartered Prudential Platinum and Standard Chartered Prudential Visa Signature explicitly state that rewards points are awarded on insurance premiums. For answers, check out our FAQs. Essentially, this is what you are paying for the policy, and failure to pay. For example, the cost of a Texas title policy is around $832 for a $100,000 property, $1,359 for a $200,000 property, $2,413 for a. Explore payment options. This means your average balance is just over $1000, and you're basically paying an extra 12% a year of 'insurance'. Protection for the important things in life. You can withdraw or deduct up to $450 tax-free to pay long-term care premiums in 2021 and 2022 if you’re age 40 or younger, $850 if you’re 41 to 50, $1,690 if you’re 51 to 60, $4,510 ($4,520. A health insurance premium is the amount – typically billed monthly – that policyholders pay for health coverage. Call a licensed expert: 1-855-695-2255. (3) Includes claims adjusters, third-party administrators of insurance funds and other service personnel such as. Here are the average rates for a $10,000 burial insurance policy: 60-year-old male: $63 per month. Car insurance may protect you from: having to pay to repair your car or other vehicle after an accident. m. Multiply monthly salary by premium factor above. The premium for a policy depends on the type of life insurance. Your insurance would pay the remaining $6,800 if you have surgery at an in-network. For example, if you spend $1500 on your credit card in August and $2300 in September, then you’ll pay about $15 for August’s insurance and $23 for September’s. O. The premium rate for coverage under Scotia Credit Card Protection is $1. Secondary. This rate is for full coverage car insurance, which includes optional coverage for theft. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. Mary’s insurance premium for the July billing cycle is $7. Nice!A premium tax credit, also called a premium subsidy, lowers the cost of your health insurance. 60-year-old female: $49 per month. You can apply the discount to your insurance bill every month, or you can get the credit as a refund on your federal income taxes. No premium will be charged if your previous month's statement balance was. An insurance premium is an amount a person pays to obtain an insurance coverage policy as necessary. As a former insurance agent, she enjoys simplifying the convoluted language of policies to make insurance more. For Basic Protection: The table below sets out the monthly Basic Protection premium for every $1,000 of Loan balance on the date Your Scotia Loan Protection application is approved. PDF SAMPLE - scotiafunds. State Farm is the cheapest car insurance company among large insurers, with an average minimum coverage rate of $450 per year. The 7. The client aims to establish its first Real Estate Investment Trust (REIT) in Thailand which includes a mixture of freehold and leasehold investment of a premium mixed-use asset and hotel asset located in Thailand. It’s also the inverse of a deductible. The amount of money you pay to your home insurance company in exchange for a homeowners insurance policy is referred to as a homeowners insurance premium. But at age 65, a life insurance policy costs about $593 per month. Life insurance premiums are determined by your personal information, including your age, health, and medical record. The insured sum is $1,000,000. $1,428/yr*. Life insurance companies mostly base their rates on your age and health status, but they also factor in your job, your weight, whether you smoke and even your. Though final expense policies have lower premiums compared to. e. 100 as a premium, you will have to pay an additional Rs. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034. Your coverage for health insurance is through the Georgia State Health Benefit Plan (SHBP) and they provide the coverage, make policies and set premiums for the entire State of Georgia. 10% for Ultimate Package holders) is calculated daily, paid monthly. 95 for every $100 of outstanding balance. 1 (855)753-4272. Ideal for budget-conscious borrowers, this cancellable and refundable plan can be financed into the loan. 00 per $1000 of the insurance coverage. Cyber Insurance Market The 2021 data show s a cyber insurance market, including both U. Personal line of credit insurance is. • Help pay down your balance. Your car insurance premium is the specific amount of money you pay a company to provide insurance protection for yourself and your vehicle. 5% on foreign transaction fees 7∆. Sep 22, 2023. Here’s what to know ahead of open enrollment. 5. SM SCOTIA CREDIT CARD PROTECTION HOSPITALIZATION CLAIM 1. Your coverage for health insurance is through the Georgia State Health Benefit Plan (SHBP) and they provide the coverage, make policies and set premiums for the entire State of Georgia. For example, if your auto insurance coverage costs $100 a month, you could pay between $1. Scotia Credit Card Protection (optional) 13 This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job. Should an unexpected life event arise, your insured Scotiabank debt could be paid in full, or monthly payments will be maintained for a. m. It once had 645,000 long-term care (LTC) policies in 46 states when it was licensed. These subsidies help pay for monthly health insurance premiums, as. Up to $500 per trip for delays above 6 hours. California's Proposition 103 gives California consumers powerful protection against insurance company abuses. SCCP Class 2 provides the facilities of Class 1, but also allows for an entity to establish a two-way dialog with another entity using SCCP. To get coverage this month, you’ll need to pay a balance protector premium of $6. S. A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. . Visit us. Contact Scotia Insurance for any Creditor insurance-related questions such as coverage, premiums, claim status, features, or auto-relevant queries. Life and Critical Illness Insurance for the cardholder and secondary cardholder (joint coverage) on the same Scotiabank Mastercard® account) costs $0. This is 323% of the FPL for a family of four, which translates to a calculation rate of 9. SCOTIA CREDIT CARD PROTECTION CLAIM FORM CRITICAL ILLNESS / HEALTH CRISIS PROTECTION ATTENDING PHYSICIAN'S STATEMENT Unity Managing Underwriters Ltd. of prior to assessment by an insurance adjuster, the member should complete an inventory of the property and photograph all the property prior to demolition or disposal. If you use health insurance to help cover your health care costs, you’re likely paying a monthly premium every month. • Premium rates don’t increase as you get older. What is Scotia Line of Credit Protection? Scotia Line of Credit Protection can help pay the outstanding balance on your Scotiabank Line of Credit account if you are diagnosed with a covered critical illness or if you pass away. Our claims service is available Mon to Fri 8:00am to 6:00pm EST. 1. For example, if you go 19 months without Medicare Part D prescription drug coverage, your premium will always be at least 19 percent higher than what many other people pay. Premium Global Assist. An updated Scotia Credit Card Protection Certificate of Insurance will be available on Scotia Credit Card Protection page as of October 17, 2020. As state-authorized plans areYou’re better buying critical illness insurance for the same money if you have dependents. Then, you'll get your personalized rate. 20 per $100 of your account balance (plus taxes), up to $25,000. Scotiabank Customer Service: 1-800-472-6842. For this example, then, the mortgage default insurance premium would be $13,950. Claim a pay-in-full discount. This is based on data provided by Quotacy for a 40-year-old buying a 20-year, $500,000 term life policy, which is the most common term length and. Homeowners insurance premiums are going up nationwide — from May 2022 to May 2023, 94% of homeowners saw a premium. Life: This insurance can pay off your outstanding mortgage account balance up to $1,000,000 per account or up to $1,000,000 for all your insured mortgage accounts if you pass away. A whole new world of convenience - banking transactions from your mobile phone!Scotia Credit Card Protection insurance is an optional insurance product available to Credit Card customers to provide comprehensive coverage that stays in place as Your protection. 21, 2023. This type of coverage protects you from being held financially responsible for causing injury to a third party or for causing damage to their personal property. For the month of July, Mary has the following balances over 31 days. Consumers can also use their HSAs to pay for long-term care insurance premiums. Typically, the premium is the amount paid by a person (or a business) for policies that provide auto, home, health care, or life insurance coverage. SCCWCT is approved as a self-insured trust by the S. When that happens, the remaining outstanding installment balance under the installment plan will be re. Members would choose an SCCP instead of a Qualified Health Plan (QHP) based on its customized plan features and/or reduced premiums or cost sharing. The price depends on the type of insurance you buy, such as life, auto or renters. Premium. Borrower-Paid. Wednesday, November 15, 2023. ET 1. As of January 2023, the average national benchmark monthly premium (used for measuring other plans) was $456. Sparse Conditional Constant Propagation (compiler optimization) SCCP. The S. An insurance premium is the amount you pay for an insurance policy. Chubb Limited, the parent company of Chubb Life, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. 29. Continue to enjoy all your. 99% cash advances. In that case, you can deduct the portion of your medical expenses – including premiums – that exceed the 7. This site is used jointly by Manulife and FNAIC to provide you with product summaries and certificates for your credit card benefits. 99% introductory interest rate on purchases for the first 6 months (20. Second, you can earn a Premium Interest rate when you open a Premium Period(s), each of which can have a length of 90, 180, 270 or 360 days. But on average, homeowners can expect to pay anywhere from $601 to $2,935 per year for this level of coverage depending on their location and circumstances. Rev. No premium will be charged if your previous month's statement balance was zero. net . SCOTIA CREDIT CARD PROTECTION CLAIM FORM DISABILITY EMPLOYER STATEMENT. Scotia Credit Card Protection insurance is an optional insurance product available to Credit as Medicare’s prescription drug coverage, your monthly Medicare Part D premium will go up at least 1 percent per month for every month that you did not have that coverage. Step 2: Select the RTO of your car from the given list. The definition of a deductible depends on the type of coverage, and not all types of insurance carry a. SCCP on credit card. Insurance Premium: An insurance premium is the amount of money that an individual or business must pay for an insurance policy. Discount. Your forms can be mailed, faxed or emailed to the contact information provided in the form. I have a stable job working as an English teacher in Korea, but I plan to leave here August 2015, travel for some time and then go back home. C. A note from the insurers: In this section, we have attempted to explain clearly and briefly the coverages available under. As a process, insurance companies examine the type of coverage, the likelihood of a claim being made, the area where the policyholder lives, his. You might think this was just limited to Prudential premiums, but the T&Cs make no distinction. The insurance can be connected to different types of loans, like those related to your mortgage, car and business loan. 89 per $100 of your account balance, calculated daily until your 70th birthday, at which time both bundles reduce to only the Life Benefit at a monthly premium rate of $0. You have a $3,000 deductible that you'll have to pay before your insurance will cover any of the additional cost. Andrew Hollenberg President Chubb Life Insurance Company of Canada THIS CERTIFICATE CONTAINS. First, if your credit card balance is under $10, you will not be charged the balance protector premium. This Website has been created to present certain selected information, and to allow access to certain transaction documents, relating to The Bank of Nova Scotia's Global Registered Covered Bond Program (the "Registered Program"). The quickest and easiest way to reduce car insurance costs is to shop around with at least three car insurance companies. Premium costs will depend on a variety of factors, including the insurance company, the specific. P. This can be less time-consuming if you take advantage of online car insurance calculator tools that can estimate the costs of several providers at once. Those with income at 100% FPL had to contribute 2. of prior to assessment by an insurance adjuster, the member should complete an inventory of the property and photograph all the property prior to demolition or disposal. a^I%7B9xB\. Take a defensive driving course. 8:00 a. 95 /mth. If an employer pays 100% of the premium for a group health plan, the premium payments made by the employer for the employee's health insurance coverage are generally not considered taxable income to the employee. Premium Period Interest is earned when you choose a 90, 180, 270 and/or 360-day Premium. 6% of the property value. They claim that it's a no fee card, but this charge "SCCP INSURANCE PREMIUM $1. The premium. Prepare an estimate for your insurance. With respect to insurance companies, when the total amount of the premiums for the entire year, regardless of the mode of payment (monthly, quarterly, semi-annually or annually), exceeds Php 500,000. Insurance premium is a specified amount stipulated by the insurance company, which the insured individual should periodically pay to maintain the actual coverage of insurance. Scotia Credit Card Protection is an optional insurance product available to Scotiabank Credit Card customers to provide a financial safety net during times of financial hardship. Make sure the S-Corporation pays for your health insurance, EVEN IF it is a ‘personal policy’. They may apply to health, dental, auto, home, and life insurance — to name a few — and each type of insurance policy has its own rules for determining premium rates. Here’s how the basic money flow works on an existing permanent life insurance policy such as whole life insurance: Starting cash value; Add: premium; Subtract: cost of insurance; Subtract. The upfront premium is 1. Provincial sales taxes are also added, where. Basic Protection Insurance Premium Calculation Example: Mary is a primary credit card holder under the age of 70 and is enrolled in Scotia Credit Card Protection insurance, Basic Protection. Bank accounts. Complete any two of the following actions within 60 days of opening your Ultimate Package:. Scotia®Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is as signed to yo u; or en if you are required to be insured,Affordable monthly premiums for Credit Protection are based on your outstanding account balance and your coverage choices. ET. Premiums are conveniently billed monthly, directly to your Scotiabank Credit Card account At no additional cost, coverage is extended to cover an eligible co-borrower on your. The full unsubsidized preimium for the second lowest cost Silver plan was $600/month. Average Premiums by State or Location. The Affordable Care Act (ACA) created government subsidies to help low and middle-income people pay for health insurance. 03. Homeowners insurance mainly protects the borrower's investment in their home, while mortgage insurance financially protects the lender's investment in your home. P. 2,907. A maximum of five Premium Periods at any one time, each of which can have a length of 90 days, 180 days, 270 days, or 360 days. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon enrolment. Your renters insurance coverage amount will be based on the value of the belongings. 221. The minimum. Which means every month as I'm trying to slowly pay off the card, there's this extra 20-30dollar charge. With optional Scotia Creditor Insurance Protection, your Scotiabank debt payments are maintained or paid in full, in whatever situation you encounter. States with cheaper health insurance include New Hampshire, Maryland and Minnesota, averaging around $400 or. 416. It is used to control Cisco IP phones and other Cisco endpoint devices such as ATA 186/188. Creditor Insurance. Subtract the result of Step 3 ($6,322) from the original household income of $82,425, for a total household income of $76,103. Minnesota had the lowest benchmark premium at $335. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. ICICI Prudential Life Insurance - New Bill Payment. Medical insurance coverage for those studying abroad or within Canada. Book an appointment. You're much better off covering your credit spending in other, more comprehensive ways like disability insurance or life insurance. Scotia Momentum® Mastercard®* credit card. Policyholders must pay their premiums each month regardless of whether they visit a doctor or. 70th birthday, at which time both bundles reduce to only the Life Benefit (Life Insurance) at a monthly premium rate of $0. Catastrophic coverage health plans aren't eligible for premium tax credits. Our single drivers who had merely good scores paid $68 to $526 more per year, on average,. At the regional level, the Americas had the highest premium growth rate of 6 percent from 2018 to 2019, followed. Insurance premiums are essentially the price of your insurance policy. You can lower your premium by asking your insurance company to reduce the policy’s face value. C. Chubb. Some insurance companies charge a fee if you use a credit card. Manulife Travel Insurance benefits are designed to give you a simple way to help protect yourself against unexpected expenses associated with Trip Cancellations, Interruptions, Emergency Medical costs and more. The average monthly premium for a bronze ACA health insurance plan is $420 for a 40-year-old. Monthly premium amount. Premiums are your regular payments for many common insurance policies, including life, auto, business, homeowners and renters. 09 per $100 of daily balance on your credit card account (plus any applicable sales tax). 1 percent from May 2021 to May 2022, according to Policygenius; the average annual increase was $134. Counties Workers' Compensation Trust (SCCWCT) was formed in 1984 with only 11 counties. Thereafter, click Move forward. Mortgage insurance. The average premium for homeowners insurance rose 12. $0 - $350,000. 7092 F +1. Chubb. C. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. Upload a copy of your insurance policy’s premium notice, or any relevant proof. If your balance exceeds $10, you will pay $1.