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Pay‑As‑You‑Go (PYG): Understanding TruPay and InsurePay

Overview:

Beacon Mutual is transitioning to a new online platform beginning September 1, 2026.

Depending on your policy status, you may continue using TruPay or begin using InsurePay for payroll reporting.

This article will help you determine which platform applies to you and what action, if any, you need to take.

Which Platform Should I Use?

Existing PayAsYouGo Policyholders

You will continue using TruPay if:

  • You currently participate in the Pay‑As‑You‑Go program
  • Your policy was issued before September 1, 2026
  • Your policy has not yet renewed

 What You Need to Do  

  • Log in to the new Beacon Mutual Online Portal beginning September 1, 2026
  • Access TruPay through the portal
  • Continue reporting payroll in TruPay until your policy renews

 Important Notes  

  • BEACONNECT will no longer be available
  • Your BEACONNECT credentials will not transfer to the new portal
  • Existing policyholders will receive a Welcome Email with new portal login credentials
  • There is no self-registration for the new Beacon Mutual Online Portal

New Pay-As-You-Go Policies Effective On or After September 1, 2026

You will use InsurePay if:

  • Your new policy is issued on or after September 1, 2026
  • Your policy is enrolled in the Pay‑As‑You‑Go program

What you need to do:

  • Access the Beacon Mutual Online Portal using the credentials provided by Beacon Mutual
  • Register separately for InsurePay
  • Select your payroll provider and reporting frequency
  • Connect your bank account
  • Begin payroll reporting through InsurePay

Important Notes

  • InsurePay requires separate registration
  • Portal credentials and InsurePay credentials are different

Existing Pay-As-You-Go Policies Renewing After November 1, 2026

  • Your Pay‑As‑You‑Go policy renews after November 1, 2026

What you Need to Do

  • Log in to the Beacon Mutual Online Portal
  • Access InsurePay
  • Register using your new policy number
  • Select your payroll provider and reporting frequency
  • Connect your bank account

Important Notes

  • Your TruPay login will not transfer to InsurePay
  • You must register again in InsurePay
  • You must use your new renewal policy number

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        Frequently Asked Questions

        What happened to BEACONNECT?

        BEACONNECT is being retired and replaced by the new Beacon Mutual Online Portal.

        Will my BEACONNECT username and password transfer?

        No. Existing portal credentials will not transfer to the new platform.

        How will I receive access to the new portal?

        All active primary policyholder contacts and existing BEACONNECT users will receive a Welcome Email with their new portal login credentials.

        Can I create my own portal account?

        No. There is no self-registration for the new Beacon Mutual Online Portal.

        Do all PayAsYouGo customers move to InsurePay on September 1, 2026?

        No. Existing Pay‑As‑You‑Go policyholders will continue using TruPay until their policy renews. Only new policies written on or after September 1, 2026 will begin using InsurePay immediately.

        When will existing PayAsYouGo customers move to InsurePay?

        Existing PYG customers will move to InsurePay when their policy renews after November 1, 2026.

        Need Help?

        If you have questions about your Pay‑As‑You‑Go account, payroll reporting platform, or portal access, contact the Beacon Support Team:

        Phone: 401‑825‑2995
        Email: info@beaconmutual.com