UNUM LIFE INSURANCE COMPANY OF AMERICA — health Complaints in Texas

Detailed analysis of 266 health insurance complaints filed against UNUM LIFE INSURANCE COMPANY OF AMERICA by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

health Complaints in Texas: 266
Total health Complaints (All States): 269
Texas Share: 98.9%
NAIC Complaint Ratio: 0.04
AI Risk Score: 33/100

Analysis: UNUM LIFE INSURANCE COMPANY OF AMERICA health in Texas

UNUM LIFE INSURANCE COMPANY OF AMERICA has accumulated 266 health insurance complaints from consumers in Texas. Across all states, UNUM LIFE INSURANCE COMPANY OF AMERICA has 269 total health complaints, making Texas responsible for 98.9% of the volume.

The most frequent complaint sub-type is Claim denial with 123 complaints. Other common issues include Delayed payment (62), Premium or billing dispute (33), Policy cancellation (8).

The most active year was 2026 with 5 complaints filed.

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

health Complaint Issues in Texas

Issue Type	Complaints	%
Claim denial	123	46.2%
Delayed payment	62	23.3%
Premium or billing dispute	33	12.4%
Policy cancellation	8	3.0%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	2	0.8%
Unsatisfactory Settle/Offer \| No Jurisdiction	2	0.8%
Cust Service Claim Handling \| Record Only; Referred To; No Jurisdiction	1	0.4%
Cust Srvc Policy Holder Srvcs \| Question of Fact; Information Furnished	1	0.4%
Unfair Discrimination \| Contract Language/Legal Issue; Company Position Upheld; Information Furnished	1	0.4%
Coordination of Benefits \| Information Furnished; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	1	0.4%
Refusal to Insure \| Company Position Upheld; Information Furnished	1	0.4%
Cash Value; Cust Service Claim Handling	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled	1	0.4%
Cust Service Claim Handling \| Contract Language/Legal Issue; No Jurisdiction	1	0.4%
Post-Claim Underwriting; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| No Jurisdiction; Referred To	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; No Jurisdiction	1	0.4%
Cash Value; Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Is	1	0.4%
Cash Value; Summary of Benefits \| Contract Language/Legal Issue; Company Position Upheld	1	0.4%
Coverage dispute	1	0.4%
Cash Value; Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Agent Handling \| Referred To; Company Position Upheld; No Jurisdiction	1	0.4%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Information Furnished	1	0.4%
Material Change To Contract; Unsatisfactory Settle/Offer \| No Jurisdiction; Referred To	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Company Position Upheld	1	0.4%
Other \| Policy Not In Force; Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling; Other \| No Jurisdiction; Information Furnished	1	0.4%
Other \| No Jurisdiction	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| No Jurisdiction	1	0.4%
Cash Value \| Contract Language/Legal Issue	1	0.4%
Pre-Existing Condition; Refusal to Insure \| Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Refusal to Insure \| Question of Fact; Contract Language/Legal Issue	1	0.4%
Unfair Discrimination \| Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished	1	0.4%
Recoupment Of Claims Payment \| No Jurisdiction	1	0.4%
Recoupment Of Claims Payment; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Overpaid Claim Recouped	1	0.4%
Misrepresentation \| Record Only	1	0.4%

Complaints by Year

2026: 5 complaints
2025: 8 complaints
2024: 9 complaints
2023: 11 complaints
2022: 20 complaints
2021: 12 complaints
2020: 16 complaints
2019: 14 complaints
2018: 19 complaints
2017: 21 complaints
2016: 34 complaints
2015: 26 complaints
2014: 36 complaints
2013: 26 complaints
2012: 9 complaints

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

health Complaint #TX-451216-3cb44c0a (2026-03-24) — Cust Service Claim Handling | Record Only; Referred To; No Jurisdiction
health Complaint #TX-448076-01e4c4c7 (2026-02-18) — Claim denial
health Complaint #TX-446616-bbc14667 (2026-02-02) — Claim denial
health Complaint #TX-444971-a1d32cc8 (2026-01-16) — Delayed payment
health Complaint #TX-443945-a1d32cc8 (2026-01-06) — Delayed payment
health Complaint #TX-441700-232306cd (2025-12-08) — Premium or billing dispute
health Complaint #TX-439579-59879163 (2025-11-12) — Claim denial
health Complaint #TX-438526-fb0ec08a (2025-10-30) — Cust Srvc Policy Holder Srvcs | Question of Fact; Information Furnished
health Complaint #TX-437939-b6b917af (2025-10-23) — Policy cancellation
health Complaint #TX-430664-82f16abe (2025-08-04) — Claim denial

Frequently Asked Questions

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

UNUM LIFE INSURANCE COMPANY OF AMERICA has 266 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 UNUM LIFE INSURANCE COMPANY OF AMERICA in Texas?

The most common issues are: Claim denial (123), Delayed payment (62), Premium or billing dispute (33), Policy cancellation (8), Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue (2).

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

UNUM LIFE INSURANCE COMPANY OF AMERICA has 266 health complaints in Texas out of 269 total health complaints nationwide. That is 98.9% of their health volume.

Where can I file a health complaint against UNUM 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.