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

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

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. 

Sincerely,

Regina Schreiner

Compliance and Customer Coordinator