Your family can pay every premium on time and still get a letter that says, “We’re not paying.” That moment is where estate planning meets the hard reality of life insurance claims and it’s exactly what we dig into with Stephanie Prestridge, founder of Lineage Law and co-founder of Life Claim.
We talk about the behind-the-scenes mechanics that drive life insurance claim denials and delays, including the two-year contestability period and how insurers can revisit medical records even when the death has nothing to do with health. Stephanie explains why the paperwork can feel like an attrition game for grieving families, what not to say on “helpful” calls from an insurance company, and why the fine print matters more than most people realize.
We also break down the most common planning mistakes: mixing up the insured, owner, and beneficiary, assuming a will controls a policy, and forgetting to update beneficiary designations after divorce, remarriage, or new family members. Stephanie shares practical steps to protect your loved ones, what it means to challenge a questionable denial, and why a DIY appeal, especially one generated by AI, can permanently damage your chances.
Reach Stephanie here:
www.lifeclaim.com
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Leadership In Law Podcast with host, Marilyn Jenkins
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Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/s04e158-navigating-complex-life-insurance-claims-with/id1752924311?i=1000772965530
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Watch the Episode Video on YouTube: https://youtu.be/Id8vQyHn8So?si=NaJH03a7dZHPlWqK
Listen on the Law Marketing Zone website: https://lawmarketingzone.com/s04e158-navigating-complex-life-insurance-claims-with-stephanie-prestridge/