How Long Does It Take To Get Approved For Life Insurance? 
It can take from hours to months to get approved for life insurance . There are some policies that you can apply for online and have in effect within a day . These have limits on the face amount and are on a `` pass/fail '' basis . For larger policies that will give you credit for good control of your health , the underwriter may order medical records to help him/her decide how to rate your policy . How fast your doctors return those records makes a big difference in how long it takes for your life insurance policy to be approved . 