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It is unclear just what insurance company you are referring to, but I presume that it is Reassure America Life Insurance Company, in Coppell, TX. If that is the case, you can file a consumer complaint with the Office of Insurance Assistance (or similar name) of the Texas Department of Insurance. Initially, contact the insurance regulator's office, or go to its website, to obtain the forms that would help most--there is probably a standardized form for consumer complaints.

Before you do any of this, make sure of the identity of the insurer. Its name will appear on the policy. You may have to do some legwork, such as on the internet, to make sure that the company that issued the policy is not now part of another insurer, but doing so on the front end will save time in processing your complaint.

Also consider going directly to the insurance company before going to the regulator. Insurers want to pay valid claims and have departments set up to field consumer problems. Once you identlfy the proper insurer, contact its customer service department and work through its internal process before contacting the regulator. The regulator will want to ensure that you did so before it intervenes.

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Q: How do you register a complaint against reassure life insurance?
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