To our Policyholders and Agency Partners,

The Coronavirus outbreak over the last couple of weeks has resulted in a tremendous amount of stress for many. The news of growing health concerns along with an uncertain economic outlook are front and center. We want to assure you that you are not in this alone. We are here for you, and our team is working diligently to make sure our services remain uninterrupted and at the same level you’ve come to expect from us. Our business is not only an essential part of the communities we serve, but also essential to you and your family. We realize this, and don’t take our responsibility lightly.

As more and more governments order cities, counties, and in some cases entire states, to shelter in place, we want to reassure you that we are open and fully operational. Most of our staff are working from home and some with young children who are home as well, we all understand the importance of serving you during this difficult time. We simply ask for your patience if you hear young children in the background.

Here are some ways we can help:

In-person agency visits may be limited, but we have lots of ways you can make your payment.

  • Pay Online: (24/7)
  • Pay Over The Phone: 866-207-9392 (24/7)
  • Pay at The Grocery Store or Money Center (EVEN CASH) (know your policy #)
  • Go to MoneyGram to pay cash for same day delivery (Reference Traders Code 7654)
  • Go on Auto Pay on Credit or Debit Card 800-369-0369 (SAVES $)
  • Mail your Payment: PO BOX 24568 Kansas City, MO 64131

You can always call us direct at 800-369-0369 if your agent offers limited office hours during this phase of COVID-19. We can help with ID cards, policy changes, billing questions, payments and last, but not least, we will service your claims.

It seems like all of us are in uncharted territory, so we expect questions to arise. We will continue to monitor developments and be here when you need us.

Best wishes,

Below we have additional information that you may find helpful:

Nationwide or Call 211

Arkansas Department of Health COVID-19 Hotline: 1-800-803-7847
State COVID-19 Website:
Unemployment Information:
File Online:
File By Phone: 1-844-908-2178 or 501-534-6304

Hotline: 866-534-3463
State COVID-19 Website:
Unemployment Filing:

24 hour COVID -19 hotline: 877-435-8411
State COVID-19 website:
Unemployment benefits information:
Online Unemployment filing:
Claims center:

Unemployment Claims Email:
State Office Building Closure hotline: 888-390-9927

Hotline: 877-215-8336
State COVID-19 Website:
Unemployment benefits information:
Online Unemployment filing:

Small Business Relief Loans (CARES Act v. SBA Disaster Relief)

With COVID-19 causing serious disruption to insurance agencies and numerous other businesses, there are programs that have been created to assist small businesses with their ongoing expenses. Below is a summary of two loan programs that all small businesses should consider: the CARES Paycheck Protection Program and SBA Economic Injury Disaster Loans.


Application Process
The PPP loans will be provided by private banks, credit unions, and lenders throughout the United States. A sample application that lenders will use has been released by the SBA. You will need to provide the lender with payroll documentation for the past year, and documentation that verifies your mortgage, rent, and utility payments. You must also certify that current economic uncertainty makes the loan necessary to support your ongoing operations.

Who Can Apply
All businesses with 500 or fewer employees can apply. This includes nonprofits, veterans’ organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors.

Application Date
Small businesses and sole proprietorships can apply and receive loans starting April 3. Independent contractors and self-employed individuals can apply starting April 10.

Loan Amount
2.5 times your average monthly payroll costs for the one year preceding the loan origination date. So, if you averaged $10,000 in payroll costs each month for the past year, you can obtain a $25,000 PPP loan.

Interest Rate
0.5%. This interest will apply only to the balance of the PPP loan which is not forgiven. All payments are deferred for 6 months (interest accrues during this time) and the loan is due in 2 years.

Loan Forgiveness
Eligible for loan forgiveness for 8 weeks from the loan origination date, only for amounts spent on payroll costs, rent, mortgage interest, and utilities. Because of the number of loans expected to be given, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. So, if you spend 50% of the loan on payroll and 50% on rent, only 75% of the loan will be forgiven. Loan forgiveness may also be reduced if you decrease your full-time employee headcount or if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 in 2019. However, employers will still be eligible for forgiveness if they restore their full-time employment and salary levels by June 30, 2020. You will submit a request for forgiveness to the lender. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations.

Personal Guarantee/Collateral
No personal guarantees or collateral required.

Authorized Loan Use
Payroll costs, rent, mortgage interest, and utilities. Loan money cannot be used to compensate an employee or contractor in excess of an annual salary of $100,000.


  • Payroll costs include compensation, paid leave, severance, group health benefits including premiums, retirement benefits, and state/local employment taxes.
  • Your business must have been in operation prior to February 15,2020.
  • No annual or guarantee fees.
  • Available until June 30, 2020.
  • Contact your local bank, credit, or lender about applying.


The SBA serves as the direct lender of EIDLs. No private banks or lenders are involved.

Loan Amount
SBA will offer you an amount based on your "substantial economic injury" related to COVID-19 going back to January 31, 2020. The maximum loan is $2,000,000.

Interest Rate
3.25% with for-profit businesses. 2.25% with non-profit businesses.

Loan Forgiveness
Applicants may receive a $10,000 emergency advance (within 3 days of applying), which can be forgiven if spent on paid leave, maintaining payroll, increased costs from supply chain disruption, rent, mortgage interest, or repayment of unmet obligations from lost revenue. This amount will be deducted from any loan forgiveness under the PPP loan program.

Personal Guarantee/Collateral
No personal guarantees required for EIDL loans up to $200,000. The SBA will provide unsecured EIDL loans under $25,000 and require some form of collateral for EIDL loans over $25,000.

Authorized Loan Use
Working capital, including payment of fixed debts, payroll, accounts payable, and additional bills that you cannot pay because of the impact of COVID-19.


  • EIDLs provide long term repayments, up to a maximum of 30 years.
  • You must demonstrate an ability to repay the EIDL loan, based principally on your credit score.
  • Your business must have been in operation for over one year.
  • Available until December 31, 2020.
  • Visit the SBA disaster loan website to apply:

If you have less than 500 employees, you should be deemed a small business for either a PPP loan or EIDL. You can find out for sure at this link:

Can you apply for both PPP loans and EIDLs? Yes, you can apply for and obtain both types of loans. However, you cannot use proceeds from these loans for the same purpose. In addition, if you have already received an EIDL, you can seek to re-finance the EIDL under the PPP loan program.