"Hello, Good Afternoon! My Name Is Lilly": Life Insurer Sued Over a Robocall It Didn't Even Place

"Hello, Good Afternoon! My name is Lilly. I'm calling from the Thompson Healthcare about the card we mailed you on the new Texas final expense plan for all Texas residents. Have you received it?"

Now there's a lawsuit about it. And the defendants aren't "Thompson Healthcare."

On January 7, 2026, Adean Hill, Jr. filed a class action complaint in the U.S. District Court for the Eastern District of Texas (Case No. 4:26-cv-00025) against American General Life Insurance, Corebridge Financial, Inc. and a "John Doe" caller. You can read it yourself here: Hill v. American General Life and Corebridge TCPA complaint.

So what happened?

Here's what the complaint alleges:

• The defendants sell life insurance and hired John Doe to place telemarketing calls that play artificial or prerecorded voice messages.
• On July 11, 2025, John Doe called the plaintiff's cell.
• When he answered, he heard the "Lilly" message pitching life insurance.
• He could tell it was an artificial voice because it kept talking when he tried to respond.
• The call was transferred to someone from American General Life Insurance selling insurance.
• Shortly after, he got a policy from both defendants for their "Simplified Issue Level Limited Pay Death Benefit."
• He says he never consented and had no relationship with the defendants.

These are allegations. The defendants haven't been found liable, and no class has been certified.

Here's the thing ... "we didn't make the call"

This is the part every insurance carrier, every agency and every call buyer needs to read twice.

The complaint says that even if the defendants didn't personally place the calls, they're liable because they took steps to cause the calls, the calls were made under their actual or apparent authority and/or they ratified them. It also says they're directly liable for outsourcing their telemarketing to John Doe.

In plain English: you can't hide behind the dialer. If the call is selling your product and the transfer lands with your people, expect to see your name on the lawsuit.

And look at the paper trail. A policy showed up in the mail. That's a pretty clear line from the robocall to the company that benefited.

The rule

The complaint points to the Federal Communications Commission's (FCC) 2013 rule requiring prior express written consent for prerecorded telemarketing calls to wireless numbers and residential lines. That consent has to be signed, has to show the person got a clear and conspicuous disclosure that they'd get prerecorded calls from a specific seller, and can't be a condition of buying anything.

"Thompson Healthcare" calling about "the card we mailed you" isn't that, if the allegations are true.

Why should you care?

Final expense is a huge vertical in pay per call. Am I right? And a lot of it still runs on prerecorded openers and transfers.

If you're a carrier or an agency buying those transfers, the theory in this case lands right on your desk. Even if your vendor swears they're compliant.

What to do this week

Nothing fancy. It's not rocket science.

• Know how every transfer was generated. Live agent? Prerecorded? Soundboard? Get it in writing, then verify it.
• Listen to the opener. If it uses a fake company name or a "card we mailed you" line, shut it down.
• Require consent that names you, specifically, for prerecorded calls.
• Audit your vendors like they're you. Because according to this complaint, they are.
• Follow the money trail. If a policy gets issued from a robocall transfer, that's your risk.

Look, "Lilly" isn't a real person. But your liability is. Buy clean calls, OK?