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Step 7 of 7: Hassle-Free Insurance Shopping

Step 7: How Long Will This Process Take?

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Most policies will be issued in 4-6 weeks.

The average total process time for a life insurance application is about 4-6 weeks, (instant and simplified issue policies, however, can be purchased within a few days or even hours).

The application process can vary depending on your policy, carrier, and health-care provider.For example, companies that use a standard paper application will take about a week longer to process than ones that use an E-Sign process.

Steps in the application process

Application: After applying online, a paper application is mailed to you for review and signing. This step takes about a week, but can be more based on how long it takes you to review, sign, and return the application. If E-Sign is available, this can be done in 1 day.

Medical exam: The free exam is scheduled for about a week after the application is mailed and takes 20 minutes to complete. The examiner meets you at your home or work.

Underwriting: This takes from 1 week to 2 months. Underwriting is the carrier’s application review process. It takes a few days to a few months depending on the specifics of your application. Your health-care provider can also influence the length of underwriting.

  • Attending physician statements / medical records: These records are requested from your health-care provider. Some providers take up to 30 days to process the request. This is often the longest delay in the entire process.
  • Motor vehicle report: During underwriting, most carriers will request a motor vehicle report from the DMV. This report can take up to a week to receive.

Activating your policy: This takes from 1 week to 3 weeks.

  • Policy approval and issue: After underwriting is completed, your policy (if approved) will be issued and mailed to you for review and acceptance.
  • Delivery requirements and policy in force: Delivery requirements are any documents that need to be signed or premium payments still needed to make the policy
    active. Once the carrier has these documents and payments, the policy is in force and active.

Your agent will be able to provide you with an estimated process time based on your specific application circumstances.

Congratulations—you've reached the end our 7-part guide to hassle-free insurance shopping! If you're interested in speaking with a licensed advisor, call us at 1-800-823-4852 or email Thanks!

Back to Step 6: How Much Coverage Is Needed—And Who Should Have It

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*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female

^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.

R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.

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