🤫📄💨 ✶ lapse-a-palooza ✶ the dates they filed that made my baby lawyer brain do a “yo, wtf” 💀

the “are y’all dumb or just corporate?” —official memo

aka: the tragic comedy of policy “termination” ft. sam’s last $700 and zero lies

bitch.
lol.
they really
handed to the court
a document in their
sad little filing saga that:

💫 hubby’s term policy
🍼 my baby’s whole life policy
💅🏻 my own life policy

all just coincidentally
lapsed or terminated
on feb 19, 2025
(except mine,
which they say died
[🪦 r.i.p.] may 9, 2025).

💀

ok so let’s be
specific.

these clowns are now claiming that:

🤰 while weeks postpartum
🩸 still bleeding, leaking, crying, and actively trying not to die
✍🏼 coerced into signing under emotional and physical duress
🏥 no onboarding. no walkthrough. no disclosures. no real consent.
🚫 no policy meeting. no “hey here’s what this means for your family.”

…lapsed on february 19, 2025.
and they really had the balls
to say that in a court filing.

you know—
the same policy they:
let me fund,
never confirmed with me,
never explained,
never transferred,
and then let disappear
while still charging me for it.

and then let evaporate quietly 🧾💅🏻

but wait—
it gets dumber. 🤡

🚩 meanwhile in who-owns-what clown hell: 🪓🙂💀

☑ i paid for my policy, his, and baby’s.
☑ all three were under my payment file
☑ i’m the only one with a job, income, or fucking pulse in this relationship

(oh and apparently,
the only one without an insider,
personal “awkward” relationship
with our financial rep,
while we’re actively married
and raising our newborn)

💩💩💩💩

yet:

🔪 hubby is the sole beneficiary on my policy
🔪 he’s unemployed
🔪 he’s paying for NONE of it
🔪 and his new girlfriend

(yes, the awkward office affair one)
was texting and facetiming him,
sending him kickbacks 🤫💋
while he lived in my condo,
as i funded his “career”
during my entire pregnancy.

and she was likely in contact with him
while he was actively listed as the beneficiary
👀🔪🙂💀🌹🤫 ✨

🧟‍♂️ this man could literally
have un-alived me
and collected a check
from a policy i funded
through a company
whose rep facilitated it
all to happen 💣💥😊
all while—
at the very least,
having had
emotionally
and financially
stepped the fuck out 💋😈
with my legal husband—
and still didn’t mention
a fucking conflict.
🌫️🤫✨

✨make it make fucking sense✨

meanwhile?

🧾 jan 2025 —
i pay for all three policies
(mine, hubby’s, baby’s)

🧾 feb–may 2025 —
they’re still actively:

servicing me as payor
emailing me about policies
accepting drafts
re-onboarding the child
asking me to “start” baby’s policy AGAIN
never once saying
🗣🗣🗣 “hey, btw, her original policy lapsed for no reason lol”

like?
so…
which fucking policy
was i paying for?
when i
linked my new bank account—
while actively
under a TRO,
in 2025?

hm.

'cause if you’re saying
the first lapsed
absolutely,
couldn’t be revived
🤫📄💨
by feb 2025…
then what the fuck
was the policy
you were actively
billing me for
and i paid for—
in january?

or what about
my husband’s policy
i paid for,
(that you confirmed via email)
even though—
he had apparently
already changed the
fucking beneficiary,
(despite having “zero”
official contact with your office)
but you
lol, didn’t think to
fucking tell me.
and yeah,
no refunds. 🕊

🧍‍♀️→🪦
“sam’s paying for a ghost”
is a wild business model.

and nah,
you don’t get to claim
“nonpayment” 👻
when the entire record
is you
fucking emailing me
about how to fix the thing
you allegedly already buried.

🪓 short version for the jury:
(aka: emails don’t lie, y’all just lazy)

i signed for her first policy
while still in a fucking diaper.
you let it “lapse.”
then had the audacity to

✘ bill me
✘ re-onboard me
✘ collect bank info
✘ accept drafts
✘ assign me ownership
✨🤫📄💨

and file a defense that
says i’m fucking irrelevant.
baby, that’s not a lapse.
that’s a fucking negligence confession.

and after that level of bullshit?
when i try to
re-enroll
my fucking infant
in a policy
from fucking scratch,
zero equity transferred? ✨

bro,
they fuck me again.

apr 2025
🧠 me: “pls re-enroll ryan, here’s the new payment info.”
📩 them: “will start it for you. we’ll check your policy is paid.”
📍5pm: “what’s your new colorado address?”

…
📩 updated address.
again. updated bank. again.
(this much follow-up should cost extra.)

…
📩 “thx for completing ryan’s medical questionnaire…”
(…for the alleged “lapse” restart, so my new rep could
make double commission off a single mom—lmao)

may 14, 2025
📍3:30 pm: me — confirms birth state.
📍3:32 pm: them — “need banking info to pay YOUR life insurance + ryan’s.”
(we’re going to auto-pay this “fraudulent” 🤫 new policy and lapse your individual one)

lol

I THEN FORWARD
FULL BANKING NUMBER
+ ROUTING
FOR AUTOPAYMENTS. 💥

y’all,
this is where
they themselves
self-fucking-report
to allow my
year plus old—
personal policy,
to fucking lapse.
(now all three are gone)
💥🥴

what?
how the actual fuck?
just like—
fuck it, huh?
thought i wouldn’t
actually read
the response?
or some shit?

the fuck?

💥🤷‍♂️🤦

📉 meanwhile in billing clownland…

while they’re screaming “nonpayment,” their system is:

☑ sending autopay confirmations
☑ flagging grace notices
☑ consolidating all three policies
☑ accepting drafts after the alleged lapses

like holy shit.
babes…
you can’t claim
i ghosted
while actively sending me
overdue balance alerts
and updating
my child’s damn application
and my payment info.

🤫😉 duality of delusion:
they deadass claim:

(a) i never owned hubby’s or my baby’s policies
(b) but accepted premiums “as directed
and authorized by samantha lowe”
and i signed all the paperwork for the baby—
and signed for my husband,
docs that are:
no longer available anywhere ✨
on my account.
(lol, girl pick a personality.)

🤡 clown math says:

✘💋 feb 19 lapse?
ok so why are you
charging me in jan 2025—
while under a protective order,
when my husband
(unknowingly to me)
already removed me,
and my baby’s policy,
isn’t even mine?
while my og rep,
watches every “estrangement”
instagram fucking story?
(like someone way too personally
entangled with a client / coworker?)
emailing me mar 24
to backpay my policy/baby’s
and remove hubby’s from my file?
(sounds like i’m the wallet, not the ghost.)

✘💋 may 9 lapse?
then what the fuck
are you doing may 14
asking for my bank info
to set my policy on autopay
and launch my kid’s?
and what the fuck
are you doing may 28
issuing a new one
with me as owner/payor—
as you let my personal policy
fucking lapse?

are y’all actually serious
with this legal response—
including this bizarre ass
seeming confession
of blatant fucking fraud?

😦

wow.
bold. 🔥

🎯 so what are we looking at?

☠️ a postpartum mom signs a policy to protect her newborn
☠️ her abusive husband is made her beneficiary
☠️ she pays for all three policies
☠️ he contributes $0, commits DV, fucking vanishes
☠️ the firm never changes the beneficiary
☠️ they “lose” the first child policy
☠️ re-onboard her behind the scenes
☠️ take more of her money
☠️ and file a defense pretending we don’t matter

this isn’t insurance.
it’s a fucking death wish template.

🧨 preemptive chirp response:

“but did she even pay?”

📣 yes, bitch.
i paid for
all three in jan 2025
with $200 out of my last $700
because i believed in keeping them.

then i:

✔ updated bank info
✔ followed all steps
✔ responded to every rep
✔ sent drafts
✔ complied with every notice
✔ asked no questions when i should’ve sued earlier

🤪

that’s good faith.
that’s mitigation.
that’s not how lapse law works
when you keep taking my fucking money.

⚖️ for the jury: (babe, they’re not dumb)

✘ the lapse dates are improv
✘ they let a broke, unemployed, abusive husband stay on as beneficiary
✘ while collecting money from his battered wife
✘ for a policy that lapsed
✘ on a child she was still healing from birthing
✘ after a fraudulent onboarding
✘ during an active domestic violence crisis
✘ with no real agent, no disclosures, and no support
✘ and then they claimed it was just “nonpayment.”

nah bitch.
that’s negligence.
that’s enabling.
that’s blood money accounting.

they submitted this shit
with confidence.
i’ll file the truth with records.
and if he ever cashed out on my death—
they’d have called it a “clerical error.”

💀🪓🙂

yo, fraud squad—
you want to
lie on a legal filing?
cool.
i’ll be here
with the actual fucking records—
oh, and
the trauma bleeding
through the fucking whole
goddamn timeline
you created.

💫

✶ stay dumb.
✶ i stay filed.