As the insurance market continues to harden we’ve recently had requests about financing smaller premiums with admitted insurance companies. One of signs in a changing marketplace is the availability of flexible direct bill options. About a month ago we financed a $1,500 property policy with a major national insurance carrier that was only willing to offer the client a quarterly payment plan. Since the insurance policy didn’t have any special cancellation provisions we were able to give them 15% down and 10 payments. This added flexibility enabled the client to have a lower initial out of pocket expense and a consistent monthly payment plan. As an added bonus the total finance charge on the contract was equal to the typical cost of direct bill.