What’s the Process & Timeline of Getting a Life Insurance Policy?

Ashlynn Moore
Sep 22
2 min read

Life insurance is one of the most important financial decisions you can make to protect your loved ones. But what exactly happens after you say, "Yes, I want a policy"? Let’s walk through the typical process and timeline so you can feel confident and prepared every step of the way.

🗺️ Your Life Insurance Journey

🟡 Day 1 🔵 Day 2–4 🟣 Day 5–10 🟠 Day 11–20 🟢 Day 21–30+

╟──────────────────────────────────────────────────────────────────────────────────────────╢

📝 Get a Quote ➝ 📄 Submit App ➝ 🩺 Medical Exam ➝ 🔍 Underwriting ➝ ✅ Policy Active

Estimate Complete Appointment Review of your Final approval

cost & options personal information at your home health & risks sign & activate

🧭 Quick Breakdown of Each Step

📝 Day 1: Get a Quote

Speak with one of our agents to explore your coverage needs.
It's free, fast, and easy to understand.

📄 Day 2–4: Submit Your Application

Answer a few more in-depth questions about your health, job, lifestyle, and beneficiaries.
We'll help you fill out the application to be submitted to the life insurance carrier - we make it stress-free!

🩺 Day 5–10: Medical Exam (If Needed)

You schedule a short in-home physical exam—
It may be waived with select policies.

🔍 Day 11–20: Underwriting Review

The carrier evaluates your health profile and background.
Don’t worry—we walk with you every step.

✅ Day 21–30+: You're Covered

You’ll receive a decision, sign the final docs, and activate your policy.
Peace of mind, delivered.

⏱ How Long Does It Really Take?

While some policies (like simplified-issue life insurance) can be approved in as little as 24–48 hours, traditional policies with full underwriting often take 3–4 weeks to finalize. It depends on factors like medical review complexity, lab results, and insurer backlog.