How Long Does It Take To Get Life Insurance? 
Getting life insurance can take from one day to several months . If you are getting a policy that does not require a physical and that can be signed digitally , it can be in effect in as short as a day . If you are applying for a large policy and have health conditions that require the gathering of medical records , the process can take much longer . The determining factor is often how quickly the doctor records are received , how quickly the exam is completed , and whether the underwriter adds additional requirements after doing their review . 