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Benefits of Premium Financing for Customers.

Pay your way

We make it easy to pay for your insurance premium. Select from Monthly Pay, 3-Pay or Full Pay options that were created with you in mind. We also offer payment by credit card or bank account, allowing for you to customize the payment solution that best fits your needs

Pay as you go

If you pay for your insurance up front, you are pre-paying for an asset that has yet to establish its intrinsic value. By financing your insurance policies, you can spread out your financial obligation and pay for the premium as it earns its value over the term of the policy

Alternative source of credit

By using Imperial PFS Canada’s solutions, you are tapping into another source of credit. There is no need to draw on existing lines of credit that may be better used for other operational expenses.

Instant Approvals

Imperial PFS Canada’s Payment Solutions often require NO credit checks at all, making premium financing very quick and easy to use!

Off-balance sheet financing

We offer the benefit of effectively becoming an “off-balance sheet” item. Reap the rewards of our capital without having to show the premium finance loan as a debt liability on your financial statements.

Cash flow

Cash is king, and premium financing allows you to have more cash-flow. In today’s economy you likely want to hold on to as much as cash as possible to help maintain resources for large capital expenditures, or other business expenses.

Tax benefits

Interest on your premium monthly payments can be a tax-deductible expense. That means you can enjoy a partial return of your finance charge on top of the benefits associated with deferring your insurance expenses.

Our Customer Centre makes managing your payments effortless.

We give you full control of your account and help put you at ease with our latest Customer solution. View and print important documents, make account changes, update banking information, make payments and more, all through our online portal.

Our Customer Centre gives you full transparency in how your payments are processed and gives you the confidence in knowing that your insurance is covered and working for you.

Log in to our Customer Centre in just three easy steps:

Step 1

Locate your Account Number which can be found on any of your notices from Imperial PFS Canada.

Step 2

Enter your Account Number and the Postal Code associated to your account.

Step 3

Log in and get started!

Sign In

Need further assistance? Let our How-To Guide lead you through the process.

Products and Services for Insureds.


Sign quotes digitally with our safe & secure e-Signature solution!

At Imperial PFS Canada, it’s our goal to be the technology-leaders in the payments industry and to offer you the easiest solutions when it comes to paying for your insurance premiums. That’s why we were the first in the premium financing industry to offer the e-Signature solution. Since 2015, we no longer require you to wet sign your quotes given to you by your broker. Instead, we made e-Signature easy and accessible and made signing a breeze!

Get your payments processing completed faster and let your insurance start working for you. We now give you the ability to sign quotes and documents anywhere, anytime, and from any device!

Smart Offer Letter

Our industry-leading Smart Offer Letter was created with you in mind!

The dynamic Smart Offer Letter allows you to view the various payment plans and methods offered to you by your broker – all on one page. We offer Full Pay, Monthly Pay, and 3-Pay options to best assist for all financial needs. Your broker will have the ability to select the best solutions for your unique circumstances and will give you the option to select from their recommendations.

At Imperial PFS Canada, we offer payment through credit card or bank account. All you have to do is e-sign and process the payments by using our digital payments processing software.


We make payments easy with our e-Payments solution.

Payments are processed faster and you are given the choice between various payment options made available to you online. Whether you pay by credit card or bank account, we have made the entire process digital and easy to use. A few clicks and done!

All e-Payments, and more, can be processed through our Customer Centre.

How does Premium Financing Work for Customers?

Our goal is to make your money work for you! Get the insurance you need while increasing your cashflow and optimize the security in your insurance policy by gaining an alternative source of credit. How does the process work? See our 6 steps below to guide you through the process of premium financing.

  1. Connect with your insurance broker to find the insurance policy that best suits your needs.
  2. Your broker will process a quote through our system and send it to you for approval.
  3. Through our dynamic Smart Offer Letter you will be able to view the various payment terms your broker has selected for you. Simply click through the terms to find one that best suits your needs.
  4. Once selected, toggle through to the next screen which will allow you to choose a method of payment.
  5. Our e-Signature solution allows you to sign the contract digitally – no wet ink signatures required. You will also be able to input all your banking information through our secure form.
  6. And you’re done! Please note that you always have the option to view your contract or other documentation, make changes to your personal information, make a payment, and more through our Customer Centre.


We accept payments by credit card or bank account. For credit card payments we accept Visa, MasterCard and Visa Debit.
At Imperial PFS Canada, we offer three payment solutions to best fit all needs:

  1. Monthly Pay: your total payment plan is split into monthly installments and payments are paid on a monthly basis.
  2. 3-Pay: your total payment plan is split into three equal installments and payments are paid on a monthly basis for three months.
  3. Full Pay: fully pay off your premium at once.

Imperial PFS Canada provides pre-approved financing to our partners to offer to their clients. Please check with your broker if they are an approved Imperial PFS Canada partner.

For any questions you may have about your insurance policy, please speak to your Broker directly. Your broker will also be able to assist you with adding to or removing endorsements from your policy.

For any changes to your personal information, such as address or banking information, you may use our Customer Centre. The Customer Centre allows for you to view documentation, make changes to your personal information, make payments, and more, on any device.

Please contact your broker to inquire about the renewal of your insurance policy and premium financing. They will be able to assist you best!