This Microsoft KB Article says you can continue (In M04),

http://support.microsoft.com/default...16&Product=mny

Note the statement 'Click Already signed up? Get xx months free! if you
already subscribe to MSN Bill Pay services.'

Note the reverse is not true, you cannot 'downgrade' and keep the same
MSN Bill Pay account, i.e., you can't go from the Premium Plan ($5.95
per month, or free with certain versions of Money), to a lower-level
plan (Standard plan/$2.95, or free plan) without closing out and
recreating a new MSN BP account. I saw that documented somewhere, and
confirmed it when I chose to discontinue my service after the free
period expired (started using my bank's). But, when I get a newer money
version, I will start using it again.

Dale H Lewis wrote:
- quote -

If you upgrade MS Money every year are you eligible to continue to have MSN
Bill Pay at no charge or is this just once for the inital 12 month period.
I am having trouble understanding the MS legal double talk on the outside of
the box.

Thanks