How Long Does Life Insurance Approval Take? 
Life insurance approval can take from several minutes to several months . Each policy has what is called `` underwriting requirements '' based on your age and the face amount of the policy you are applying for . Nonmed policies -LRB- policies that have smaller face amounts and do not require an exam -RRB- will go into effect much faster than policies whose underwriting requirements include an exam and medical records . Obviously , taking your exam in a timely fashion will speed up the process . It also helps to provide the complete name and address of all the doctors you have seen in the past 5 years , or since diagnosed with a chronic health condition . Using an experienced broker is important to have a smooth underwriting process and the best possible result . 