icon Activations and Transfers

United Guaranty and Arch MI are now one company. You can continue to use your existing processes to submit and service loans with United Guaranty and Arch MI, and we will continue to provide the outstanding service you’ve come to expect. United Guaranty and Arch MI: Together Is Better.

PostPay Activations

You can activate PostPay certificates instantly using MI Guide. You'll need the certificate number and the loan closing date—and that's it!

If you need to activate multiple certificates at one time, we can set you up to use an EDI connection, which gives you the option to use a third-party vendor to submit your activations.

Non-PostPay Activations

Monthly, Annual, Single, and Split-Premium Activations

To activate coverage, you'll need to send us the certificate number, closing date, and the initial premium payment. See our Billing Options page for more information.

To pay by check, please note the closing date. United Guaranty will promptly process the payment, and the insurance will be effective as of the loan closing date.

Expired Commitments

To activate a commitment after its expiration date, please email UGC:servicing. You may be required to submit additional information for activation.


You can transfer a certificate any time after activation through MI Guide or an EDI connection.

Note: Depending on when you transfer the certificate and when you are billed, the previous servicer may owe a partial premium. If, after you receive your first bill, you notice additional premium due from the time the previous servicer held the certificate, please collect payment from that servicer to submit to United Guaranty to prevent your certificate from being canceled for non-payment.