How Long Does Life Insurance Approval Take? 
Depends on the type of program you 're applying for . For non-medical policies - it can take as little as 48 hours or up to about 2 weeks -LRB- depends on whether they need to get a doctor 's statement -LRB- called an APS - attending physician 's statement -RRB- , waiting on the completion of a phone interview , etc. , if applicable -RRB- . For traditional programs -LRB- one 's that include an exam -RRB- - it typically takes about 4-6 weeks to complete the underwriting process . This is due to the amount of time it takes to process the lab work -LRB- blood tests , urine tests , ekg , etc. -RRB- , get the doctor 's statement -LRB- APS -RRB- , and for the carrier to review the file . If the carrier is having a difficult time trying to track down the doctor 's statement , they 're backed up case-load wise , or they need to get clarification on certain items , it may take a little longer . Even though it takes about 4-6 weeks on average for these programs , it 's helpful to allow 6-8 weeks for it to wrap up . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much . 