Life Insurance: How Long Is The Application Process?

Last updated December 15, 2018

Expect the process to take 3-6 weeks on average; however, products like No Medical Exam life insurance, Instant Issue life insurance, and Guaranteed Issue life insurance are quicker but carry a higher premium when compared to a traditionally underwritten life insurance policy.

Obtaining life insurance can be a notoriously long process. So much so, more than 18 million give up before the process’ end. When you review the figures, this consumer apprehension starts to make sense. The average life insurance application can take 3-8 weeks to complete, longer than it typically takes to get a driver’s license, receive mail from around the globe, and potentially longer than the US passport application process.

If you’re in the insurance market and you’d like to get a better idea of how long your application might take and learn what your insurers are doing while you wait, following our step-by-step walkthrough will help you better understand the life insurance application process.