Before you file a complaint with the Tennessee Department of Insurance, speak with a professional at The Center for Life Insurance Disputes. We can resolve your life insurance dispute without the cost or hassle of filing a lawsuit.


Examples of Complaints Addressed by the Department of Insurance:

  • Improper denial or delay in settlement of a claim
  • Alleged illegal cancellation or nonrenewal of an insurance policy
  • Problems concerning insurance premiums and rates
  • Alleged misconduct by an agent or broker (misrepresentation, theft of premiums, etc.)

The Department’s Consumer Service is not authorized to intervene between attorneys and their clients, nor do they perform work on behalf of attorneys. They are not authorized to render legal opinions.

If your situation involves life insurance, you should be aware that many employer-sponsored plans such as “ERISA” plans are regulated by the federal government. The benefits coordinator at your place of employment can tell you what kind of plan you are in and direct you to the appropriate source of help.

What happens when the Insurance Commissioner receives a complaint?

An advocate will:

  • Provide written verification that your complaint was received
  • Provide a copy of your complaint to the insurance company and/or agent
  • Obtain a detailed response from the company and/or agent, including any supporting documentation to support the position taken
  • Analyze the response and supporting documentation
  • Determine whether there has been a possible violation
  • Advise you of their findings

Please be advised, the State’s Insurance Department are not attorneys and they cannot act as a legal representative. As advocates, they make every effort to determine whether the company/agent complies with the insurance laws or terms of the insurance policy.

Results vary from providing clarifying information to getting a claim paid.

What the Division of Insurance cannot do:

They cannot act as your lawyer, give you legal advice or recommend an attorney.
They cannot recommend or rate an insurance company, agent or policy.
They cannot identify an insurance company with whom a particular person or entity may have a policy (see
They cannot resolve disputes of fact between you and the insurance company. For example:
They cannot decide the facts surrounding the complaint (that is, which set of facts accurately describe what occurred);
They cannot make medical judgments.
The Division of Insurance cannot take a position or assist you in matters over which they do not have legal jurisdiction or authority. This includes problems with companies and services that are governed by federal, not state law, or when your policy was written in another state.

File a complaint with the Tennessee Department of Insurance: click here