FREEDOM LIFE INSURANCE COMPANY OF AMERICA — health Insurance Complaints
Analysis of 412 health insurance complaints filed against FREEDOM LIFE INSURANCE COMPANY OF AMERICA, based on public NAIC and state DOI data.
Key Statistics
- health Complaints: 412
- Total Complaints (All Types): 412
- health Share: 100.0%
- NAIC Complaint Ratio: 2.03
- AI Risk Score: 74/100
health Complaint Issues
| Issue Type | Complaints | % of Total |
|---|---|---|
| Premium or billing dispute | 109 | 26.5% |
| Delayed payment | 104 | 25.2% |
| Claim denial | 98 | 23.8% |
| Policy cancellation | 7 | 1.7% |
| Misleading sales | 5 | 1.2% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 4 | 1.0% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue; Information Furnished | 3 | 0.7% |
| Unfair settlement | 2 | 0.5% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Information Furnished | 2 | 0.5% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Information Furnished; Contract Language/Legal Issue | 2 | 0.5% |
| Misrepresentation | Information Furnished | 2 | 0.5% |
| Agent Handling | Information Furnished | 2 | 0.5% |
| Coverage dispute | 2 | 0.5% |
| Misrepresentation | Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Refusal to Insure | Information Furnished; Company Position Upheld; Contract Language/Legal Issue | 1 | 0.2% |
| Cust Srvc Policy Holder Srvcs; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Inf | 1 | 0.2% |
| Cust Service Claim Handling; Maximum Out of Pocket; Unsatisfactory Settle/Offer | Corrective Action Taken; Information F | 1 | 0.2% |
| Mental Health Parity | Company Position Upheld; Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Maximum Out of Pocket | Corrective Action Taken; Claim Settled; Information Furnished | 1 | 0.2% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Policy Not In Force; Company P | 1 | 0.2% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Monies Received; Corrective Action Taken; Informat | 1 | 0.2% |
| Claim Recoding/Bundling | Information Furnished; Referred To; Contract Language/Legal Issue | 1 | 0.2% |
| Commissions | Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Prior Authorization | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Cust Service Claim Handling | Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Misrepresentation | Additional Payment Expected; Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Information Furnished; Corrective Action Taken | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Language/Legal Issue | 1 | 0.2% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Lang | 1 | 0.2% |
| Misrepresentation; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact; Additional Payment Exp | 1 | 0.2% |
| Other | Contract Language/Legal Issue; Company Position Upheld; Information Furnished | 1 | 0.2% |
| Cust Service Claim Handling | Contract Language/Legal Issue; Information Furnished; Question of Fact | 1 | 0.2% |
| Essential Health Benefit; Maximum Out of Pocket; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Informatio | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Additional Payment Expected; Corrective Action Taken | 1 | 0.2% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Information Furnished; Contract Lang | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Corrective Action Taken; Additional Monies Received; Stat Pen Pd-Over 90 Dys Late | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Additional Payment Expected; Contract Language/Legal Issue | 1 | 0.2% |
| Cust Service Claim Handling; Maternity and Newborn Care; Unsatisfactory Settle/Offer | Information Furnished; Contract L | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue; Corrective Action Taken | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Misrepresentation; Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Language/Legal | 1 | 0.2% |
| Misrepresentation | Contract Language/Legal Issue; Additional Payment Expected; Policy Not In Force | 1 | 0.2% |
| Cust Service Claim Handling; Essential Health Benefit; Misrepresentation; Unsatisfactory Settle/Offer | Question of Fact | 1 | 0.2% |
| Essential Health Benefit; Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Languag | 1 | 0.2% |
| Pre-Existing Condition | Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Misrepresentation | Information Furnished; Policy Issued/Restored | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished | 1 | 0.2% |
| Essential Health Benefit; Unsatisfactory Settle/Offer | Information Furnished; Additional Monies Received | 1 | 0.2% |
| Refusal to Insure; Unauthorized Acts; Unfair Discrimination | Contract Language/Legal Issue | 1 | 0.2% |
| Access to Care | Information Furnished; No Jurisdiction; Referred To | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Monies Received; Insufficient Information | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Corrective Action Taken; Additional Monies Received | 1 | 0.2% |
| Cust Service Claim Handling; Misrepresentation | Information Furnished; Policy Not In Force; No Jurisdiction | 1 | 0.2% |
| Essential Health Benefit; Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 1 | 0.2% |
| Misrepresentation; Unsatisfactory Settle/Offer | Company Position Upheld; Information Furnished; Contract Language/Legal | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Mediation Not Eligible | 1 | 0.2% |
| Refusal to Insure | Contract Language/Legal Issue | 1 | 0.2% |
| Access to Care; Continuity of Treatment | Contract Language/Legal Issue; Policy Not In Force; Information Furnished | 1 | 0.2% |
| Unsatisfactory Settle/Offer; Usual And Customary | Contract Language/Legal Issue | 1 | 0.2% |
| Unsatisfactory Settle/Offer; Usual And Customary | Company Position Upheld; Information Furnished; Contract Language/Leg | 1 | 0.2% |
| Unsatisfactory Settle/Offer; Usual And Customary | No Jurisdiction; Referred To; Claim Settled | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Company Position Upheld | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Contract Language/Legal Issue | 1 | 0.2% |
| Agent Handling; Misrepresentation | Contract Language/Legal Issue | 1 | 0.2% |
| Agent Handling; Misrepresentation | Information Furnished | 1 | 0.2% |
| Misrepresentation | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Misrepresentation; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld | 1 | 0.2% |
| Access to Care | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Access to Care | Information Furnished | 1 | 0.2% |
| Agent/Agency Contrct Termin | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Other | Policy Not In Force; Information Furnished | 1 | 0.2% |
| Overcharges; Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue | 1 | 0.2% |
| Other | Insufficient Information | 1 | 0.2% |
| Refusal to Insure | Information Furnished | 1 | 0.2% |
| Agent Handling | Information Furnished; Policy Not In Force; No Enforcement Case Opened | 1 | 0.2% |
| Other; Overcharges | Information Furnished | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Information Furnished; Claim Settled; Additional Monies Received | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Complainant Retained Attorney; Contract Language/Legal Issue | 1 | 0.2% |
| Refusal to Insure | Contract Language/Legal Issue; Policy Not In Force | 1 | 0.2% |
| Misrepresentation | Contract Language/Legal Issue | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Information Furnished | 1 | 0.2% |
| Unsatisfactory Settle/Offer | Claim Settled | 1 | 0.2% |
| Pre-Existing Condition | Additional Monies Received | 1 | 0.2% |
health Complaints by State
| State | Complaints |
|---|---|
| Texas | 412 |
Recent health Complaints Against FREEDOM LIFE INSURANCE COMPANY OF AMERICA
- health Complaint #TX-453091-817604c4 — Texas (2026-04-09)
- health Complaint #TX-452670-f70268c1 — Texas (2026-04-06)
- health Complaint #TX-450073-35e9bb61 — Texas (2026-03-12)
- health Complaint #TX-449151-af64b894 — Texas (2026-03-03)
- health Complaint #TX-448401-804adc5f — Texas (2026-02-23)
- health Complaint #TX-447838-04b30cc3 — Texas (2026-02-17)
- health Complaint #TX-447086-df6e845f — Texas (2026-02-09)
- health Complaint #TX-446688-2d664e34 — Texas (2026-02-04)
- health Complaint #TX-446558-72464da2 — Texas (2026-02-03)
- health Complaint #TX-445585-897f2d12 — Texas (2026-01-23)
Frequently Asked Questions
How many health complaints does FREEDOM LIFE INSURANCE COMPANY OF AMERICA have?
FREEDOM LIFE INSURANCE COMPANY OF AMERICA has 412 health insurance complaints on file, according to NAIC and state DOI data.
What are the most common health complaint issues with FREEDOM LIFE INSURANCE COMPANY OF AMERICA?
The most common health complaint issues for FREEDOM LIFE INSURANCE COMPANY OF AMERICA are: Premium or billing dispute (109), Delayed payment (104), Claim denial (98), Policy cancellation (7), Misleading sales (5).
Which states have the most health complaints against FREEDOM LIFE INSURANCE COMPANY OF AMERICA?
The states with the most health complaints against FREEDOM LIFE INSURANCE COMPANY OF AMERICA are: Texas (412).
health Complaints by State
FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints by State
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in California
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Texas
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in New York
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Florida
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Illinois
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Pennsylvania
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Ohio
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in Georgia
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in North Carolina
- FREEDOM LIFE INSURANCE COMPANY OF AMERICA Complaints in New Jersey