I've personally never seen in my own policies any kind of financing when paying monthly. It's always been policy total / 6 = monthly payment. Then there is a modest (and yes, mildly infuriating) fee per payment. When I said the fee was the cost of financing, I didn't mean it literally was that, but more of an "effective" cost of financing. I'd love to see someone's policy that has a financing increase line item.