After you apply for a life insurance policy It can take anywhere from hours, to months to be approved for your life insurance coverage.

If you are applying for a simplified issue life insurance policy that requires no physical exam or medical records, it can be signed digitally and approved on the phone, it may even go into effect the same day you apply.

The cons of a simplified issue life insurance policy: this type of life insurance policy does not dig too deep into your health history, and can decline you very easily if you do not fit their exact criteria for acceptance.

In addition, they also usually charge higher rates (than life insurance with exams) to cover the risk of not knowing everything about you and your health.

The pros of a simplified issue life insurance policy are that you get by without the hassle and delays of taking a medical exam and can get your life insurance coverage quickly.

When applying for a larger life insurance policy that does require a medial exam and medical records, the time in underwriting depends on when you schedule your health exam and how long it takes for your doctor's office to send your records to the life insurance company.

Another thing that can hold up approval of your life insurance policy is if you saw a doctor that the underwriter wants input from, but records were not ordered from that doctor, or the doctor has left and no one knows where those records are. 

There is a life insurance plan that offers no exam life insurance coverage which you can apply online for right now. If approved, you may start your life insurance policy today.

Here's how you can request your free, instant no exam life insurance quote.