Insurance Premium Payment Options

LAMMICO uses Imperial PFS (IPFS) as our online payment solution. IPFS offers the flexibility to pay premiums (and Louisiana Patient’s Compensation Fund surcharge for Louisiana insureds) in full or select a payment plan. Online payment via ACH (bank account) or credit card is available at renewal. Insureds electing installment plans need to finance through IPFS.
To learn more about the benefits of using IPFS, visit

IPFS offers premium financing: 

  • Finance with three payment plan options: down payment plus 10-pay, 3-pay, or 1-pay
  • Options for down payment include ACH payment or credit card* (*fees apply)
  • Set up automatic installment payments paid via ACH payment or credit card
  • IPFS Connect® phone app can be used to make installment payments and see payment schedule (must first have an IPFS account and premium finance agreement)
  • Option to call IPFS to make an installment payment over the phone using ACH payment during IPFS regular business hours, if you have a premium finance agreement

Renewing Financed Policies (Installment Plans)

If you finance your premium payments, please note that in order to renew your policy each year you must set up a new IPFS premium finance agreement and submit a down payment. A previous premium finance agreement does not roll over to the new renewal policy term. 

Accessing IPFS Services: 

IPFS services become available at your renewal. In order to access the services, you or your practice manager/designated billing contact must be registered as a Member on before your renewal invoice is generated (approximately 30 days before your renewal month). To register as a Member, go to You will need your LAMMICO policy number, found on your certificate of insurance.    

You can then access premium financing and online payment through IPFS by logging in as a Member at and selecting “Online Payment” in the drop-down menu under your name. There you can also view your invoice balance due.  

Questions? Contact: 

  • Premium finance agreements, online payment, and Notices of Cancellation: Call IPFS Account Services at 866.412.2569
  • Invoice questions: Contact your LAMMICO underwriting or marketing representative at 800.452.2120
  • website registration: Shea Ivey, LAMMICO Software Quality Assurance Analyst, at 504.841.5242