How Long Does It Take To Pay Out On A Contested Life Insurance Policy? 
I can give you some insight based on my own experience . A number of years ago , I had a client with a history of heart disease . He was a young guy in his early 40s . Unfortunately , by that age he had already suffered several heart attacks . Every year he would ask me to go to market and see if I could get him an additional policy . Of course , I would disclose his heart history to every new carrier . They in turn would do their due diligence and review all his medical records before approving his application . Everything was on the up and up . I did succeed in getting him additional coverage . As you can imagine , he had to pay extra due to his medical history . But for him it was worth every penny . I guess he kind of had a feeling the big one was coming . Sure enough , after I had sold him about the fifth the policy , he did have another heart attack . It was a bad one , and he had to go into surgery . He died on the operating table . As the broker , I expedited all the claims . One of them was shortly after the policy has been put into force . You can imagine how the insurance company took a close look at that claim . I was very confident that things would go smoothly because I had gone through full disclosure , and the carrier was fully aware of his medical history . I knew it , and they knew it . Nothing to hide . The net result was that it took less than a week of additional time for the benefit check to be issued . 