FREEDOM LIFE INSURANCE COMPANY OF AMERICA — health Complaints in Texas

Detailed analysis of 412 health insurance complaints filed against FREEDOM LIFE INSURANCE COMPANY OF AMERICA by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

health Complaints in Texas: 412
Total health Complaints (All States): 412
Texas Share: 100.0%
NAIC Complaint Ratio: 2.03
AI Risk Score: 74/100

Analysis: FREEDOM LIFE INSURANCE COMPANY OF AMERICA health in Texas

FREEDOM LIFE INSURANCE COMPANY OF AMERICA has accumulated 412 health insurance complaints from consumers in Texas. Across all states, FREEDOM LIFE INSURANCE COMPANY OF AMERICA has 412 total health complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Premium or billing dispute with 109 complaints. Other common issues include Delayed payment (104), Claim denial (98), Policy cancellation (7).

The most active year was 2026 with 16 complaints filed.

Consumers in Texas who have health disputes with FREEDOM LIFE INSURANCE COMPANY OF AMERICA can file a complaint with the Texas Department of Insurance.

health Complaint Issues in Texas

Issue Type	Complaints	%
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%

Complaints by Year

2026: 16 complaints
2025: 45 complaints
2024: 28 complaints
2023: 34 complaints
2022: 41 complaints
2021: 32 complaints
2020: 20 complaints
2019: 23 complaints
2018: 38 complaints
2017: 32 complaints
2016: 29 complaints
2015: 25 complaints
2014: 23 complaints
2013: 21 complaints
2012: 5 complaints

Recent health Complaints Against FREEDOM LIFE INSURANCE COMPANY OF AMERICA in Texas

health Complaint #TX-453091-817604c4 (2026-04-09) — Claim denial
health Complaint #TX-452670-f70268c1 (2026-04-06) — Misrepresentation | Contract Language/Legal Issue; Information Furnished
health Complaint #TX-450073-35e9bb61 (2026-03-12) — Premium or billing dispute
health Complaint #TX-449151-af64b894 (2026-03-03) — Delayed payment
health Complaint #TX-448401-804adc5f (2026-02-23) — Claim denial
health Complaint #TX-447838-04b30cc3 (2026-02-17) — Unfair settlement
health Complaint #TX-447086-df6e845f (2026-02-09) — Unfair settlement
health Complaint #TX-446688-2d664e34 (2026-02-04) — Premium or billing dispute
health Complaint #TX-446558-72464da2 (2026-02-03) — Refusal to Insure | Information Furnished; Company Position Upheld; Contract Language/Legal Issue
health Complaint #TX-445585-897f2d12 (2026-01-23) — Claim denial

Frequently Asked Questions

How many health complaints does FREEDOM LIFE INSURANCE COMPANY OF AMERICA have in Texas?

FREEDOM LIFE INSURANCE COMPANY OF AMERICA has 412 health insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common health complaint issues with FREEDOM LIFE INSURANCE COMPANY OF AMERICA in Texas?

The most common issues are: Premium or billing dispute (109), Delayed payment (104), Claim denial (98), Policy cancellation (7), Misleading sales (5).

How does FREEDOM LIFE INSURANCE COMPANY OF AMERICA's health record in Texas compare to other states?

FREEDOM LIFE INSURANCE COMPANY OF AMERICA has 412 health complaints in Texas out of 412 total health complaints nationwide. That is 100.0% of their health volume.

Where can I file a health complaint against FREEDOM LIFE INSURANCE COMPANY OF AMERICA in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.