How Long Does It Take To Underwrite A Life Insurance Policy? 
It can take from several hours to several months to underwrite a life insurance policy . If you are getting a policy that does not require any exam or medical files -LRB- referred to as APS 's by the life insurance industry , which stands for Attending Physician Statements -RRB- , the time will be much less than if your underwriting includes an exam and/or medical records . Listing all your doctors on the application can help speed things up , so all your APS 's can be ordered at once . It also helps to take your exam ASAP . Do n't worry if it takes a while ; by getting all the medical information they need , you can be sure that the life insurance company will pay out at your time of need . 