Understanding the PUP Renewal Process

  • RLI mails a renewal application to the insured 85 days prior to the policy expiration date. The Agent does not receive a copy.
  • With the renewal application, the insured receives a UM/UIM Rejection form, which includes the additional premium, if he had UM on the policy the prior year. (Your insured must make a new selection each year if she has previously accepted UM).
  • When the renewal application is received by RLI and is complete and acceptable, a renewal bill is mailed to the insured. Limits of $1, $2, $3 and $5 million are offered and quoted, regardless of the limits the prior year. The agent does not receive a copy of the bill.
  • If RLI does not receive the renewal application by the specified date, a Notice of Nonrenewal is mailed to the insured, along with a duplicate renewal application. FAIA Member Services, Inc. receives one copy of the Notice of Nonrenewal, but not a copy of the renewal application. The Notice of Nonrenewal is forwarded to the agent.
  • If the renewal application is received but is incomplete, a Notice of Nonrenewal is mailed to the insured indicating what is incomplete on the application. The incomplete portion must be returned to RLI by the renewal date. FAIA Member Services, Inc. receives a copy of the Notice of Nonrenewal, which will be forwarded to the agent.
  • If the renewal application is unacceptable because it does not meet underwriting guidelines, the insured will receive a Notice of Nonrenewal explaining the reason. FAIA Member Services, Inc. receives one copy of the Notice of Nonrenewal, but not a copy of the unacceptable application.
  • The Notice of Nonrenewal is forwarded to the agent.
  • If the insured does not pay the renewal premium by the due date, a Lapse letter is mailed to the insured. FAIA Member Services, Inc. receives one copy of the Lapse letter; it is forwarded to the agent.
  • The policy will renew if RLI receives the renewal premium by the due date (with a 10-day grace period).
  • Even though the renewal process is handled directly by RLI, FAIA is the place you call when checking the status of a renewal. If you call RLI, they will refer you back to FAIA, since we are the Administrator.