01
Start
Tell us about your ministry
Begin with a proposal request, policy review, renewal concern, or conversation about a new ministry exposure.
Initial needs identified ✓Church insurance built around ministry—not a one-size-fits-all policy.broker@1225unified.com
The 1225 Unified process
A clearer path from church information to informed protection.
Good coverage begins with a complete picture of the ministry. Our process helps church leaders prepare, respond, compare, and make decisions with greater confidence.
Our guiding principle
Complete information creates a stronger starting point.
Underwriters cannot evaluate what they cannot see—and church leaders cannot compare what has not been clearly explained.
Our role is to reduce preventable gaps between the church, the submission, the insurance market, and the final coverage decision. That means asking detailed questions early, organizing information carefully, and maintaining clear communication throughout the process.
Eight connected stages
From first conversation to continuing service.
02
Prepare
Complete the Request for Proposal
Every church completes the 1225 Unified Request for Proposal so we can understand the ministry, operations, property, people, and current insurance.
Ministry profile established ✓03
Document
Gather supporting information
Declarations, five-year loss runs, building photographs, COPE details, financial and attendance information, and other relevant documents are organized for review.
Submission file assembled ✓04
Review
Strengthen the submission
J W Odom & Associates reviews the materials, identifies missing information, evaluates major coverage concerns, and prepares follow-up requests before marketing.
Risk prepared for market ✓05
Market
Coordinate underwriting
The submission is presented to appropriate available markets. We manage underwriter questions, supplemental requests, inspections, valuations, and clarifications.
Available terms developed ✓06
Compare
Present the proposal
Church leadership receives a clear presentation of available coverage, limits, deductibles, exclusions, conditions, premiums, and material differences.
Informed decision supported ✓07
Bind
Confirm coverage and payment
After the church selects an option, all signatures, down payments, binding requirements, and financing documents are completed before coverage is confirmed.
Coverage placed ✓08
Serve
Issue, service, and prepare for renewal
We follow through on policy delivery, outstanding requirements, service needs, claims reporting guidance, coverage changes, and the next renewal review.
Ongoing relationship begins ✓Preparing the submission
What your church should be ready to provide.
Requirements vary by risk and carrier, but these items form the foundation of most church insurance submissions. Additional information may be requested after review or by an underwriter.
Request the checklist →01
Completed 1225 Unified Request for Proposal
02
Current or most recent declaration pages
03
Five years of currently valued loss runs
04
Exterior and interior building photographs
05
COPE details for every building and location
06
Annual income and payroll by location
07
Average weekly attendance and total membership
08
Vehicle schedules and driver information, if applicable
09
Current or expiring premium information
10
EIN and authorized insurance contact information
Who handles what?
A coordinated process with clear responsibilities.
Provide and decide
- Supply complete and accurate information
- Respond to follow-up questions
- Review proposed terms and exclusions
- Select coverage and authorize binding
- Report material changes promptly
Guide and organize
- Explain the process and requirements
- Coordinate the Request for Proposal
- Maintain communication with the church
- Help clarify coverage considerations
- Support the continuing relationship
Review and place
- Review submission materials
- Prepare underwriting follow-up
- Approach appropriate available markets
- Present proposals and binding requirements
- Coordinate policy issuance and service
Premium Financing PartnerIPFSImperial PFS
Payment flexibility when available
Premium financing through Imperial PFS (IPFS).
When an eligible insurance program requires a significant down payment or full annual premium, premium financing may provide another way to manage cash flow.
Through our relationship with Imperial PFS (IPFS), eligible churches may be offered a separate premium finance agreement that divides the financed portion of the insurance premium into scheduled payments. The finance agreement is separate from the insurance policy and may include a down payment, finance charges, fees, payment requirements, and cancellation rights if payments are not made as agreed.
Separate finance agreementTerms disclosed before acceptanceSubject to eligibility and approval
Learn more about IPFS ↗Before coverage begins
A proposal is not a binder.
1Coverage selection confirmed
2Applications and signatures complete
3Payment or financing requirements satisfied
4Authorized binding confirmation received
No insurance coverage is created by a website submission, quotation, proposal, financing application, or payment alone. Coverage becomes effective only when binding has been confirmed by an authorized party in accordance with carrier requirements.
After the policy is issued
The process does not end at binding.
Policy delivery begins the next stage of stewardship. Outstanding requirements must be satisfied, changes must be reported, audits may require attention, and coverage should be reviewed as ministry operations evolve.
Issue→Serve→Review→Renew
Ready for step one?
Start with what you know. We’ll help organize what comes next.
Tell us about your ministry and your current insurance concern. The 1225 Unified team will guide you toward the information needed for a complete review.