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	<title>New answer on: How Long Does It Take To Get Approved For Life Insurance?</title>

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		<title>By: Jason Goldenzweig</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-it-take-to-get-approved-for-life-insurance</link>

		<dc:creator>Jason Goldenzweig</dc:creator>

		<pubDate>Wed, 16 Apr 2014 20:16:11 +0000</pubDate>

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		<description><![CDATA[Depends on the type of program you&#039;re applying for.

For non-medical policies - it can take as little as 48 hours or up to about 2 weeks (depends on whether they need to get a doctor&#039;s statement (called an APS - attending physician&#039;s statement), waiting on the completion of a phone interview, etc., if applicable).

For traditional programs (one&#039;s that include an exam) - 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 (blood tests, urine tests, ekg, etc.), get the doctor&#039;s statement (APS), and for the carrier to review the file. If the carrier is having a difficult time trying to track down the doctor&#039;s statement, they&#039;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&#039;s helpful to allow 6-8 weeks for it to wrap up.]]></description>

		

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		<title>By: Jim Winkler</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-it-take-to-get-approved-for-life-insurance</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Wed, 16 Apr 2014 19:10:44 +0000</pubDate>

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		<description><![CDATA[That&#039;s a great question!  The length of time to be approved will depend on a couple of things. Some companies will issue &quot;simplified &quot; applications, that involve only a series of health questions, a med check, and your MIB check before making a decision. Others will have you also do a phone health interview, and some of those will accept or deny you as a result of that call. Other policies require a para-med exam, and those can take quite a bit longer. Some companies have very efficient underwriting departments that move quicker than others, and if there are Doctor&#039;s records needed for a determination, it can also be quite a bit longer. I would ask your agent for more specifics if it is an issue, or contact me, I&#039;d be happy to help. Thanks for asking!]]></description>

		

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		<title>By: Gary Lane</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-it-take-to-get-approved-for-life-insurance</link>

		<dc:creator>Gary Lane</dc:creator>

		<pubDate>Wed, 18 Dec 2013 20:38:07 +0000</pubDate>

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		<description><![CDATA[If you have a well documented medical file, with records available from your doctor, it normally takes New York Life about a week or so to make a decision and offer a rate for your coverage. If your records are hard to obtain, it will take longer. Gary Lane, Registered Representative, New York Life, 949 797 2424. Thanks.]]></description>

		

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		<title>By: Peggy Mace</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-it-take-to-get-approved-for-life-insurance</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Wed, 18 Dec 2013 14:36:46 +0000</pubDate>

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		<description><![CDATA[It can take from hours to months to get approved for life insurance. There are some policies that you can apply for online and have in effect within a day. These have limits on the face amount and are on a &quot;pass/fail&quot; basis. For larger policies that will give you credit for good control of your health, the underwriter may order medical records to help him/her decide how to rate your policy. How fast your doctors return those records makes a big difference in how long it takes for your life insurance policy to be approved.]]></description>

		

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