How Long Does It Take To Get Life Insurance? 
Video Transcript : Today 's question is , How long does it take to get life insurance ? Well , generally speaking , it takes about 60 days . You 're going to have to fill out an application . You 're going to have to take a paramed exam . They 're going to order attending physician statements from your doctor . So when you do full underwriting , it takes between 60 days , and sometimes , depending upon if the carrier is very popular , it could take longer , up to 90 days . Keep in mind , if you do n't want to go through the full underwriting process , you could do simplified issue or you could do guaranteed issue . That would cut the time down . What you 're giving up by doing that is , without full underwriting , you 're just going to be used ... the boilerplate that they 're going to use for simplified and guaranteed is not going to be as cutting edge from a price point of view . You 'll probably wind up paying a little bit more . But if you want to really expedite your issue and get your policy in place , those two ideas could be a way to go . 