A UFFM or UFFL charge on your bank or credit card statement is an insurance premium collected by one of the companies that do business as Indiana Farm Bureau Insurance. UFFM is United Farm Family Mutual Insurance Company, which underwrites auto, home, farm, and business policies. UFFL is United Farm Family Life Insurance Company, which underwrites life insurance and annuities. Both are based in Indianapolis.1Indiana Farm Bureau Insurance. Company Information
Which Company Is Billing You
The descriptor tells you which policy the money paid for. If the charge reads UFFM, it covers a property or casualty policy, typically auto or homeowners. If it reads UFFL, it covers a life insurance policy or annuity. A related entity, United Home Life Insurance Company, can appear as “UHL UFFL” because it is a subsidiary of UFFL that sells simplified-issue whole life insurance nationally.2United Home Life Insurance Company. United Home Life Insurance Company A fourth name in the same family, UFB Casualty Insurance Company, is a wholly owned subsidiary of UFFM that also writes property and casualty coverage.3AM Best. Indiana Farm Bureau Group Press Release All of them share customer information internally and may bill under their own legal name even though the policy was sold under the Indiana Farm Bureau Insurance brand.4Indiana Farm Bureau Insurance. Privacy Notice
UFFM policies are sold only in Indiana.5Dun & Bradstreet. United Farm Family Mutual Insurance Company If you’ve never lived in Indiana and have no connection to anyone who has, a UFFM charge is a stronger candidate for a billing error or fraud than a forgotten policy. UFFL and UHL products reach a broader market.
Why It’s Showing Up Now
Most unfamiliar UFFM or UFFL charges are recurring payments the policyholder set up some time ago and no longer recognizes under the abbreviated company name. Indiana Farm Bureau Insurance offers two automated options that produce these charges:
- Electronic Funds Transfer (EFT), a pre-authorized monthly debit from a checking or savings account. Signing up avoids a $3.50 per-payment service charge.6Indiana Farm Bureau Insurance. Frequently Asked Questions
- Automatic credit or debit card payments scheduled through the online account portal or mobile app. Credit card payments carry a surcharge of up to 2.7% from a third-party processor; debit cards and EFT do not.6Indiana Farm Bureau Insurance. Frequently Asked Questions
Check whether anyone in your household has an auto, home, farm, business, or life policy with Indiana Farm Bureau Insurance. A spouse’s auto policy or a parent’s life insurance set to auto-pay from a shared account is the most common explanation.
How to Confirm It’s Yours
Call the Indiana Farm Bureau Insurance Customer Service Center at 1-800-723-3276. Hours are Monday through Friday, 8 a.m. to 8 p.m. Eastern, and Saturday, 9 a.m. to 3 p.m. Eastern.7Indiana Farm Bureau Insurance. One-Time Payment Portal A representative can match the charge to a policy number, confirm the amount, and tell you what coverage it paid for.
You can also sign in to the online account manager at infarmbureau.com to see invoices, payment history, and any scheduled automatic payments on file.8Indiana Farm Bureau Insurance. Your Guide to Online Account Manager If a policy exists but you want to stop the auto-pay, cancel it through the portal or ask the service center to remove the payment method.
What to Do If You Didn’t Authorize It
If no one you share finances with holds a policy and the charge isn’t yours, dispute it through the payment method it came through.
For a credit card charge, the Fair Credit Billing Act lets you send a written billing-error notice to your card issuer within 60 days of the statement date on which the charge first appeared.9Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill The issuer must acknowledge the dispute within 30 days and resolve it within 90. While it investigates, you aren’t required to pay the disputed amount and the issuer can’t report it as delinquent. Federal law caps your liability for unauthorized credit card charges at $50.10Federal Trade Commission. Using Credit Cards and Disputing Charges
For an EFT or ACH debit that hit a bank account, contact your bank directly to report the unauthorized transaction. If you suspect the charge is part of a wider fraud, you can also file a complaint with the FTC.11Federal Trade Commission. Payments You Didn’t Authorize Could Be a Scam Call Indiana Farm Bureau Insurance as well, so the company can flag the account and help trace how the payment information was used.