How long does it take to get approved for life insurance?
Answered by 2 licensed agents
Life insurance approval times can vary depending on the insurance company and your health history. In many cases, approval can take anywhere from a few days to several weeks while the carrier reviews medical records, prescription history, driving records, and other underwriting requirements before making a final decision.
This really depends on the insurance company and the customer. Some Insurance companies offer almost instant issue after a quick DMV report, prescription drug check, and Medical Information database search. Other Insurance policies may require a paramedical exam and copies of medical records for the underwriting team to review. It can take a couple of weeks to a couple of months to get that data to the underwriter for review. Work with an agent that offers multiple insurance carrier options. Some insurance companies may have more favorable underwriting than others.
