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Personal Lines Bulletin

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Avoiding New-Business Rescission for Mortgagee-Billed Bound Applications

PolicyCenter® has been updated to allow mortgage companies, on mortgagee-billed bound applications, to make the premium payment within 90 days after the due date. If the payment is not received by Citizens within this time, the binder will rescind 90 days after the due date. (Currently, the binder rescinds after 60 days.)

A reminder that agents or policyholders must work with mortgagees to fund new- business policies directly. Citizens does not bill the mortgagee. Please use the Payment Transmittal Document that prints as the last page of the application.

Agents are reminded that if the mortgagee-billed policy is not funded within 90 days of the effective date, the binder will rescind back to the effective date. Once the binder is rescinded, PolicyCenter issues the applicant a Notice of Rescission for nonpayment and a Policy has been cancelled activity to the agent of record’s My Activities tab on their desktop. The policy must then be rewritten, and all underwriting rules apply.


  • The application effective date cannot be backdated.
  • A 30-day wait and a No Prior Insurance Surcharge will apply.

Agents can view all bound new-business submissions that are pending documents, payment or both in their PolicyCenter desktop.

  • Select the Desktop in the top-right corner.
  • Click My Submissions.
  • In the drop-down menu, select Open Bound.

My Submissions screen

Figure 1: My Submissions screen.

To understand what is missing (documents, payment or both), agents can access each issuance transaction by clicking on either of the following transaction types shown on the My Submissions screen:

  • Issuance
  • Job Number

This will open directly into the transaction. Agents can view the status in the top- left corner as shown in the screenshot below.

View of the policy status.

Figure 2: View of the policy status.

Note: This view is only available to the agent of record in their desktop using their credentials.


Frequently Asked Questions can be accessed via the FAQs link at the top of any page on our website. Enter +90 day or +nonpayment in the Search field.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.