Hello how may I help you? I need to check on the due date of my premium. Can I please have your policy number? Sure, it's 1188449 Okay, I've pulled up your policy, and it looks like your premium is due August 1st. Can you tell me the amount due at that time? $1000 Is that an annual premium? Yes it is annual. Is there anything else I can help you with? Is there a grace period? No there is not. Then I guess I better make sure to pay it on time