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Ripoff Report | Freedom Life Insurance Company Review - Addison, Texas
Report: #1398995

Complaint Review: Freedom Life Insurance Company of America - addison Texas

  • Submitted:
  • Updated:
  • Reported By: Husband 66 — Greenbrier Tennessee USA
  • Author Confirmed What's this?
  • Why?
  • Freedom Life Insurance Company of America po box 1628 addison, Texas USA

Freedom Life Insurance Company of America Premier Series UCA This company worked in collusion with Nick their online agent on Dec 7, 2016 to commit fraud in misrepresenting full coverage insurance for my wife. Agent Nick said he would save us money by enrolling us into an 80/20 plan with Premier Series for $403.00 per month.. Nick finalized my wife's application and unknown to her or me he enrolled her into 4 seperate companies that don't cover anything. We never discovered this nightmare until she went to the hospital on 9-3-17 and I called them to ask how much they would be paying the hospital. They told me they would pay $200 per day toward the hospital room for each days she was there. And they will pay nothing else. The peliminary bill as of 9-9-16 is $48,000.00 addison Texas

*Author of original report: Seconds To Disaster

*UPDATE Employee: Please call us so we can help.

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My wifes health ins for 2015 was with bc/bs with a monthly bill of $403.82.


This policy was canceled because of obamacare.  For 2016 we signed up with Farm bureau with a monthly bill of $659.16.  We received a letter for Farm Bureau stating that the new policy for 2017 would increase to $850 per month.


We started shopping and after several weeks I agreed with Nick at an online call center to purchase an 80/20 plan for a monthly bill of $403.27.  He said because of hippa he would have to finalize this agreement with my wife.

On june 23, 2017 my wife went for a yearly checkup.  We called freedom life and found out they will not pay for the physical.


At this point I knew there was a problem so we stated talking to farm bureau and they wanted us to fill our a 16 page application page, keep in mind we had their insurance in 2016.  With other life problems we were not able to submit the application before my wife had to be taken to Vanderbuilt Hospital on 9-3-17.


During her time in the hospital I called Freedom Life ins and was told all they would pay is $200 per day towards the hospital room for upto 30 days.  They would not pay for anything else.  I found out during this conversation that their agent Nick did not enroll us in an 80/20 plan but had split up the monies $197.00 going to Freedom Life and the rest to other junk companies such as dental, prescriptions and lab that have proven to all be frauds.

This is a nightmare.  We now owe a hospital bill of $48,000.00 

This report was posted on Ripoff Report on 09/09/2017 05:45 PM and is a permanent record located here: https://www.ripoffreport.com/reports/freedom-life-insurance-company-of-america/addison-texas-75001/freedom-life-insurance-company-of-america-premier-series-uca-this-company-worked-in-co-1398995. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Author of original report

Seconds To Disaster

AUTHOR: - ()

POSTED: Tuesday, September 19, 2017

You know its not 1 error that will cause an airliner to crash and burn but several errors in just the right series that results in total distruction.

On 9-3-17 I called your claims department and they stated that Nick located in Florida is your agent.  Later I found out that Nick's last name is Storey.  Now you say Nick is only your "independant agent".  

Abouut a week ago my wife received an email from Margaret Kenny.  Appariently, she works in your claims department.  Inside this email is a telephone recording between one of your lawyer application reps and my wife that happened on Dec 7, 2016.  I listened to this recording and its very clear that she was pushed into accepting your policy.

I can tell you would like to absolve yourself from any responsibilty. The question is, if you are not a crook then why are you relying on a crooked independant agent?

Bottom line, I believe that you collided with your independant agent in not selling 1 majior medical policy to my wife but enrolling her into a total of 4 junk companies.  You and Nick conspired using the hippa law to keep me uninformed and out of the picture.  The hospital bill is still at $48,000.00 and counting.

You say I need to call you, well you will need to call me.  I have submitted all my documents to state and federal authorities.

By the way, since you have not asked, my wife has recoved and is back to work.

Husband 66



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#1 UPDATE Employee

Please call us so we can help.

AUTHOR: Regina S - (USA)

POSTED: Tuesday, September 19, 2017

Dear Husband 66 Greenbrier Tennessee,

Unified Caring Association (UCA) is dedicated to total client satisfaction and we deeply regret that you do not feel that you received the appropriate service.  Feeling good about what you purchased is our highest priority and we apologize that this has not been achieved.  We strive to exceed expectations with our customers.  As a policy and in practice, The UCA is committed to addressing and resolving all issues.

For your understanding, association memberships are sold by independent licensed agents. Memberships contain various consumer savings benefits including both insurance and non-insurance benefits. Members are emailed a fulfillment email outlining the log on process to view their membership materials immediately upon joining the association. They are informed during the enrollment process that the insurance benefits included in the association membership are not Major Medical. In addition, the brochure and the membership packet states that the insurance benefits are not major medical. Association members also have a 30-day cancellation period during which members may call and cancel and receive a full refund.

Once again, we are concerned that you were not content with the membership benefits that you purchased and would like to investigate your case. Please contact customer service at (855) 556-5053, so that we can assist you in this matter and hopefully find the perfect solution. 



Regina Schreiner

Compliance and Customer Coordinator

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