Life Insurance Application Process

life insurance application processLife insurance isn’t like most products that you can buy and take home with you immediately. There are several different components of the application process, unlike something that you buy from a grocery store. The application process can take anywhere from 4-8 weeks.

It’s important to understand the process if you’re in the market for life insurance.

Any misunderstandings about the application process could delay your coverage or could even cause you to be declined for coverage. Because life insurance is such an important purchase, it’s vital that you fully understand everything that’s going to happen and the best way to navigate the process.

Here’s a Quick Synopsis:

1.  An application is completed.  A licensed life insurance agent has to assist you with your application.  There is no way around it.  Make sure you use an experienced agent who can make the application process smooth and quick.

The application process can take a while, but it’s an easy application that only requires basic information about yourself. The insurance agent will ask how much you’re applying for, and they may ask simple health questions that could impact your medical exam. We can help no matter how much coverage you need. There are companies who offer million dollar life insurance policies if this should interest you.

2. A medical exam is scheduled.  This is free to the consumer.  Typically these are scheduled a week from when the application is completed – so the nurse has enough time to accommodate your requested date and time.  The exam can be scheduled at your home, work or at their facility.  The exam itself takes about 30 minutes to complete.  In most cases it involves giving a vile of blood and a urine sample.

Aside from the blood and urine sample, the insurance company is going to want an overall picture of your health to determine how much of a risk that you are to insure. TO do this, they are going take your blood pressure, heart rate, weight, and several other basic vital signs.

3. We order your Attending Physician Statements (APS) or doctor records.  Again, this is of no cost to you, we pay your physicians for their trouble.  Average time to receive these is 2-3 weeks after your medical exam is completed.  Some physicians are quick and others are slow, this is really the determining factor on how long the underwriting process takes.

4. Underwriters review your APS and medical exam results.  They also run a MVR report to see your driving history.  This can take 1-2 weeks depending on how long your APS is.

5. After a full evaluation, the underwriters will determine your health class and make an offer.  If you were honest with your agent regarding your health, there should be no surprises here. Your class rating is going to determine the premiums that you’ll pay for your coverage. At this point, you can opt to accept the life insurance company’s offer or decline it.

That’s it!  The process is of no cost to you and you are NEVER under any obligation.

A lot of people are confused about the application process, which keeps some people from getting the protection that they need. As you can see, the process is simple and requires very little work on your part.

There are dozens of different kinds of policies, but all of the applications are extremely similar. The only way that is notably different is a no exam medical life insurance policy, which is the same, minus the medical exam.

The goal of every life insurance application is to be “Approved As Applied For”.  Meaning your agent quoted you the correct rate.  If you have any questions regarding the life insurance application process, please contact our team here at

Getting the most Affordable Life Insurance Coverage

Now that you know what happens during the application, you need to know how you can snag the cheapest life insurance out there.

As you can see from the application process, your health is a big deal when it comes to your rates. Before you take the medical exam, get in great shape.

If you’re not in the best health, you shouldn’t wait to buy coverage. You can always request they retake the medical exam.

For exam, if you’re needing life insurance for diabetics; we can certainly help.

Another thing that you can do is to eliminate any tobacco that you’re currently using. Smokers pay twice as much as a non-smoker for the same coverage. Cutting cigarettes can save you thousands of dollars on your life insurance plan.


Regardless of any health problems or smoking habits, you should always contact an independent agent. Why should you use an independent agent?

Instead of having to do the shopping, we do it all for you. We compare plans, gather quotes, and present you with the top choices. We are your personal insurance shoppers. Want to know the best part? You won’t pay us a dime!

If you’re still confused about the application process, or you want to use an experienced independent agent, go ahead and shoot us a phone call or use our contact page.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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