Frequently Asked Questions
  • What are the goods and services offered by AI Insurance Trust?

    AI Insurance Trust-Endorsed Insurance Program offers insurance products through various carriers for AI Insurance Trust members. Pearl Insurance markets and acts as administrator for these Life and Health coverages, which includes services for coverage related questions, claim coordination and online bill payment option for premium.

  • What are the insurance coverage requirements for certificate cancellation and refund?

    If an insured elects to cancel his/her coverage, a written request signed by the owner of the coverage is required in order to process the cancellation.

    All certificate cancellation and refund requests must also include the following:
    • Name of Insured, as appears on the certificate
    • Policy Number found on Insured’s certificate
    • Subscriber ID # found on Insurance Premium Statement
    • Effective Date of Certificate Cancellation

    Certificate Cancellation and Refund

    If a refund is due to the insured for a mid-term certificate cancellation, a refund will be issued within 30 days of receipt of the cancellation notice. Refund payments will be issued in the same manner in which the customer submitted payment (i.e. Credit Card, ACH, or check).

    Certificate Cancellation requests should be sent to:
    AI Insurance Trust Member Insurance Program
    1200 East Glen Ave.
    Peoria Heights, IL 61616-5348 USA
  • What transaction currency is accepted?

    Payments are only accepted in U.S. Dollars.

  • Are there any export or legal restrictions?

    The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Pearl Insurance Group’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverage availability may vary by your individual circumstances and / or by additional minimum coverage limits that may be required within your state. The products and services offered in the Site are only available in the jurisdictions in which Pearl Insurance Group is properly licensed.

  • What is the delivery policy?

    Delivery of coverage information will be sent to the insured via US Postal Service upon receipt of payment.

  • How can I access the AI Insurance Trust Online Bill Pay privacy policy?

    Click here to view the AI Insurance Trust-Endorsed Insurance Online Bill Pay privacy policy.

  • What is the security method for the transmission of payment data?

    AI Insurance Trust-Endorsed Insurance Program Online Pay secures your personal information from unauthorized access, use or disclosure. AI Insurance Trust-Endorsed Insurance Program Online Pay secures the personal identifying information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

    For risk management, and for processing certain types of follow-up transactions (for example, recurring billing or refunds), our credit card vendor, Authorize.Net®, will store customer payment information in a highly secured database for a limited period of time. However, all sensitive or personal identifying insured information that is stored by Authorize.Net® will be masked in the Merchant Interface and in merchant reporting. Additionally, in order to maintain compliance with credit card security compliance programs, internal access to insured information is highly restricted. Once insured payment information has been stored for 120 days (from the date it was originally received), Authorize.Net® purges the full information and stores only masked information.

Still have questions?
AI Insurance Trust-Endorsed Insurance Program experts will be readily available to assist you from the beginning through the life of your coverage. Just call (800) 222-9958 anytime Monday through Friday, 7:00 a.m. - 7:00 p.m. Central Time or email