7-Figure Mentor
How to Stop a Life Insurance Company From Denying Your Claim With Attorney Stephanie Prestridge
Most people think a life insurance policy pays out because someone died. That is not true. In this episode, life insurance claim attorney Stephie Prestridge explains the part nobody tells you: a policy pays out because the claim survived a review . Not because your person is gone. Because the paperwork lined up. Stephie did not plan on this career. She went to law school because someone told her she could not do it. She landed a great job doing international trade and maritime defense. Then her grandmother called with a question about her grandfather's health, and Stephie realized she had no idea what to do. That one moment moved her home, moved her into estate work, and eventually moved her into the fight she runs today. The turning point came when a client walked in holding a letter. The insurance company was not paying. They mailed back all the premiums instead. Stephie's husband and law partner took that case, won it, and walked into her office with one line that changed both their practices: "If this walked in our door, it is happening way more than you realize." He was right. Now Stephie and her team at LifeClaim.com spend their days fighting denied and delayed life insurance claims for families who were already having the worst week of their lives. Fair warning: some of this is going to make you angry. What You'll Learn How a phone call from her grandmother rerouted her entire legal career The client letter that made her pivot her whole practice The number one reason claims get denied , and how easy it is to prevent Why people in the hospital miss payments, and why the notice goes to an empty house The free 30 second fix almost nobody knows about: naming a second person to get lapse notices The reinstatement trap . That "I am in good health" box you sign can restart the clock on everything What the two year contestability clause really lets the insurance company do The line that reframes this whole topic: policies pay because the claim survived an evaluation, not because someone died How a urgent care visit from 10 years ago can be used to void a policy Why a mistake and a lie get treated the same in most states The friendly phone call . Why the nice rep asking how your person was doing is taking notes How those notes get reclassified as fraud, and why the fraud window is far longer than two years The claim form checkbox that reopens every medical record you have The one case where Stephie's team crossed that box out , signed it anyway, and sent it in The surprising reason one of the country's largest insurers asked to meet with her every quarter Never file your own appeal. The one rule Stephie will not budge on Why work related policies follow completely different rules than private ones, and why that matters more than anything else in this episode Where AI falls apart on legal appeals, and why insurance companies love seeing one show up Basic vs supplemental life insurance through work, explained simply The story of her chosen sister's brother, killed by a semi truck, and the reason his policy was denied About Stephie Prestridge: Stephanie Prestridge is a life insurance claim attorney and partner at LifeClaim.com , where she and her husband and law partner represent families whose life insurance benefits have been denied, delayed, or disputed. She started in international trade and maritime defense, moved into estate planning after a family health crisis, and pivoted her entire practice the day she realized how often insurers deny valid claims. She has an ongoing working relationship with the legal counsel of one of the largest life insurers in the country, and has won the majority of the appeals she has filed against them. Connect With Stephie: Website: lifeclaim.com Phone: 888-615-3172 LinkedIn: Stephanie Prestridge Facebook and Instagram: search "Life Claim" Tiktok: Life Claim
