How Long Does It Take To Get Life Insurance? 
The time it takes to get life insurance is from a few hours , to a few months . If you apply for a No Exam policy with a company that does not order medical records , the processing time is usually a few days to a few weeks . Some are put into effect shortly after applying via phone interview . If you apply for a policy that requires paramed exam and medical records , the amount of time that it takes to go into effect will depend on how soon you take the exam , and how soon your medical records come in . The underwriter usually waits until everything is in before reviewing your case . If at review time , he or she finds that you had seen another doctor , they might order additional records , which causes further delay . It is helpful to list all the doctors you have seen in the past 5 years on your application , or else even collect medical records yourself , in order to get your policy in effect ASAP . 