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We anticipate your premium financing needs.


Learn about the AFCO-Everest premium finance loan process.

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From technical support to account questions, we're here to help.

Frequently asked questions

Here is a list of frequently asked questions (FAQs) about the Everest Premium Finance Program with AFCO.


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Everest can automatically include an executable Premium Finance Agreement with each insurance quote. Please ask your Everest underwriter for an executable premium finance agreement.

Obtain the insured’s signature on the Premium Finance Agreement (PFA) and collect the down payment denoted on PFA.

As a pioneering leader in premium finance, AFCO Direct supports insurance agencies by providing customized premium finance programs; all while easing administrative duties, improving cash flow and providing digital access to meet both agency and insured’s needs. AFCO Direct is transforming its business with technology designed to assist our clients by providing premium collection, billing, and invoicing solutions.

5% down payment and 11 monthly installments.

Rate will vary based on prevailing interest rates and size of annual premium.

Details may be found in the Convenient Payment Options flyer.

Yes, please have insured visit AFCO Direct's website to complete registration at

Yes as such you will get copies of various delinquency invoices.


You can access the insured information via AFCO Direct’s website at All you need is the insured's AFCO Direct account number and zip code.

Agent should call AFCO Direct at 877-317-6437. AFCO Direct will adjust and forward a revised executable agreement.

Contact AFCO Direct at 877-317-6437. In many situations, AFCO Direct will add the additional premium to the insured’s outstanding loan without any additional documentation or down payment required.

Everest will forward the return premium to AFCO Direct. AFCO Direct will apply the return premium to the outstanding loan. The remaining loan payments will be adjusted accordingly. The insured will receive an advisory notification from AFCO Direct.

No, commercial policies only.

No, your agency is pre-approved to finance Everest policies. If you want AFCO Direct to finance non-Everest policies, please contact AFCO Direct.

Yes, agent should call AFCO Direct at 877-317-6437.

Premium finance process

Our insurance premium finance process is simple, easy and fast. 


Step 1: Quote

Agent receives from Everest an executable AFCO Direct premium finance agreement​ with the Everest insurance quotation


Step 2: Client agreement

Retail agent collects down payment made payable to AFCO Direct and executed agreement from insured


Step 3: Agent agreement

Retail agent signs premium finance agreement in producer section of agreement


Step 4: Submission

Retail agent forwards executed agreement and down payment to AFCO Direct at 5600 W. River Rd., Suite 400, Rosemont, IL 60018-5187


Step 5: Loan booked

AFCO Direct books loan

  • AFCO Direct begins billing insured
  • AFCO Direct funds total premium to Everest
  • Everest pays commission to retail agent

Contact us

For general questions please email or call at: or 877-317-6437

Send executed agreements and down payment to:

AFCO Direct

150 North Field Drive,
Suite 190

Lake Forest, IL 60045