Frequently Asked Questions

How long does it take for underwriting to be completed?


Depending on age and amount applied for, underwriting can take 2-10 weeks on average. A younger person with no medical history and no exam requirements will usually be completed in about 2 weeks. However, an older person with medical history will typically depend on how long it takes to complete the medical exam requirements, as well as, how long it takes for their doctors to complete the medical records request from the underwriter. Delays typically occur when the proposed insured's physician(s) take their time turning around what is called Attending Physician Statements (APS).