You should apply for your life insurance as early as you can, but no longer than three months in advance of requiring cover to be in place. In the case of a mortgage protection insurance policy, you will need to give the bank your policy documents a couple of days before you are going to draw down the mortgage with them.
As soon as we receive your completed application form we will submit your details to the life insurance company to be processed. If the application form is completed correctly and there are no underwriting requirements, your application will be accepted and the policy documents will be issued in a couple of days.
Sometimes the life insurance company will require clarification of some medical details. This could involve attending at your GP, or getting a medical report. If a report is required it could take a week or two longer to get your application fully processed.