1. A method comprising: receiving a customer-specified day of a month designating a recurring insurance policy payment date associated with an insurance provider by a processor; identifying an insurance policy by the processor, the term of the insurance policy being for a plurality of months and having a plurality of recurring payment dates; determining by the processor that the customer-specified day of the month would result in the insurance provider falling behind an earned premium curve; calculating by the processor an alternate date to substitute for the customer-specified day of the month that would enable the insurance provider to remain ahead of the earned premium curve; and setting the recurring insurance policy payment date to the alternate date by the processor.