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Life Insurance Application Process: What you Need to Know?

It’s insurance made easy when you know what to expect when applying for life insurance online.


Many people are, most of the time, discouraged in buying life insurance. The reason behind this is the fact that the entire process can go over a month. Although, no medical examinstant issue, and guaranteed issue are all life insurance products that offer a quicker alternative to regular medically underwritten life insurance. 

If you are looking into getting this type of insurance for future security, then you may want to know how long you need to wait for the entire process to finish. 

This knowledge is essential to become aware of the things that you need to prepare before you decide to acquire the life insurance that you need. This article will provide you with detailed information on how the entire process goes. 

Online life insurance application

what are the steps to get life insurance

When applying for a life insurance policy online, it’s essential to prepare ahead of time 

and answer all questions truthfully. Read directions carefully and double-check your answers for accuracy before applying. Have supporting documents handy such as photo IDs and proof of address. Additionally, have any medical notes or test results that may be needed to ensure the process goes smoothly and quickly.

An online life insurance application is typically much more straightforward than a traditional application. It usually requires basic information such as name, address, and current employment status. Depending on the provider, you may also be asked to provide details about any additional policyholders, including dependents that may be included in the policy. Make sure to have this information ready before submitting the form. In addition to these details, you’ll need to provide standard health history information, such as your current health condition and past illnesses or injuries. If needed for specific policies, you may also need to provide results from recent physicals or other tests required by the provider.

online life insuranceWhat are the steps to get life insurance

  1. Decide what type of life insurance. Term versus whole? 
  2. Calculate how much coverage to buy. 
  3. Pick the length of your policy. 
  4. Compare life insurance quotes. 
  5. Fill out an application. 
  6. Do your phone interview. 
  7. Take the medical exam. 
  8. Sit back & relax.

life insurance application process

What Do You Need To Go Through With 

The Life Insurance Application Process?

Step 1: Decide on the Amount of Coverage

The first process involves your decision-making by assessing your need for insurance coverage. The best policy, according to Coach B. and most insurers is a plan that can cover long-term debts as well as at least five years of your yearly income. An online quotation through Coach B. Life Insurance’s “direct to consumer” quote and apply platform can give you a rough estimation of how much coverage you can get and the premium you need to pay with some of the best insurance companies in the United States. 

Step 2: Finish an Online Application Form

Once you decide on a particular insurance provider, then the next best thing to do is to fill out a life insurance application online form. You will be asked some personal questions like your current job, daily activities, and lifestyle. The estimated time to finish an application form is 10 minutes. It is essential to read every question before answering carefully. Most of the life insurance application is now done online and sent directly, so you do not have to step out of the comfort of your home.

Step 3: Medical Examination

Insurers will do a run-through with your life insurance application form, and they will decide whether you will continue with the next step. You will receive a call from the insurer for a short phone call interview regarding the details written in your life insurance application form. If everything goes well with the interview, then you will be scheduled for a medical examination. 

Typically, you need to wait for one week or more for the scheduling of the medical exam. The company will usually offer to come to your home or place of business, and some may need you to go to their medical facility. The medical exam includes a urine test, complete blood count, and other tests necessary to know your current health condition. Also, you will be asked to answer another medical questionnaire. The result is sent directly to the insurer; you need to wait for them to call you for the result.

Step 4: Some Added Information

In the case of a health condition, then the insurer will request an APS or also known as Attending Physician Statement; however, it is an expensive document to request and adds weeks to the waiting time. The good thing is that insurers rarely a 

The final step is the assessment from the underwriter. Underwriting is a process wherein all medical records and information given go through the analysis. It will give the insurer the idea of the actual risk involved and how much premium you need to pay. During this time, you will receive some calls from the insurer rarely asking follow-up questions.

Step 5: Issuance of the Policy

If everything on the life insurance application falls into its proper place, then you will get coverage between 7 to 10 days.

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Life Insurance Application Questions On A Non-Medical Exam Policy

life insurance application questions In case you are thinking of applying for this coverage for a more painless approval process. No medical exam life insurance will not require the applicant to go through a series of medical examinations. Still, there will be a thorough investigation of your medical records and other essential documents. Before you decide on this type of coverage, you need to know that most insurers charge a higher premium of about 10% to 20% more compare to the regular one. 

Also, you must be healthy and with no underlying illnesses. You need to fill out medical questions, and they will verify the authenticity of your answer through the Medical Information Bureau. Also, they will look into driving and pharmacy records.

Only applicable for people with extreme fear of needles, who are in good health but can’t wait, and for those who have not seen a doctor for more than three years.

When applying for an individual life insurance policy an applicant may have to submit some of this

when applying for an individual life insurance policy an applicantThe period that you need to wait may vary according to an individual’s condition, but surely, it will not take forever. The following are some possible issues that might affect your waiting time.

  • Credit checks

Some insurers might ask for a credit check, and it will add up to the time that you need to wait. The common reason is most of the time linked to a financial condition like bankruptcy. 

  • Expensive Policies

If you are looking for high coverage, then the insurer will do stringent checking, and that will add even more time to the life insurance application process. 

  • Special Policy Type

There are particular types of coverage, such as cash value and the indexed universal coverage that require more checking on the part of the insurer.

  • Your age

One of the most significant issues that can affect your waiting time is age. Because insurers calculate the life expectancy to know if you are still capable of paying a monthly premium for a more extended period, it is good to know that there are types of life insurance that are created explicitly for senior applicants.

  • Medical Records

This is applicable for no medical exam applicants, and it is with no additional cost as the insurer will pay for all additional expenses for the request. It is essential to inform your doctor in advance if you apply for this type of policy to avoid a long life insurance application process.

  • Undisclosed Health Risks

Some applicants are tempted to undisclosed everything about their medical condition, history, or records. This is the very last thing that you want to do as it will affect your credibility as an applicant. Any single undeclared information about your health status will indeed affect your application process and may lead to denial. Insurers are very keen on checking the details of the applicant, and they even check your social media account to get accurate information. 

Compare and buy life insurance

Sample life insurance application

sample life insurance application

After the life insurance applications

Getting your policy issue will depend on how long it takes the insurer to get your medical records and to verify the information on the life insurance application. If they had any follow-up questions, that would extend the life insurance application process. In my 30 years in the business, my experience tells me it takes about ten days for a non-medical simplified issue policy to get issued and about 4-6 weeks for a fully medical underwritten policy to be issued. 

Understand Your Life Insurance Options

Before you begin the life insurance application process, it’s essential to understand the different types of plans and policies that are available. There are various options available for those who want life insurance coverage, including whole life, term life, and universal policies. Take some time to research and compare policies before committing to one to find the best plan for your needs.

Whole life policies provide lifetime protection and accumulate cash value, whereas term life insurance protects for a fixed period. Universal policies combine the features of whole and term life by allowing you to customize coverage, such as adding riders to your policy. No matter which types you choose, it’s essential that you fully understand the details of any policy before applying. Carefully review your policy summary and ask for clarification on any unclear terms or conditions. When in doubt, don’t hesitate to contact a qualified agent who can answer any questions you may have about the application process.

Gather Financial and Personal Documentation

As part of the life insurance application, you will likely be asked to provide financial information, including tax returns and bank statements. You may also need to provide personal documentation, including a copy of your driver’s license or passport, birth certificate, marriage certificate (if applicable), Social Security card, and more. Being prepared with this information before starting the application process will help ensure it runs smoothly.

When you apply for life insurance, be sure to bring a copy of all required forms and documents for the company to review. This information will likely include your Social Security number, legal name, driver’s license number, and other details about yourself. Health-related information may also be necessary, such as your height and weight or any medications you take regularly. Having this data ready before starting the application will help speed up the process. Also, bringing along proof of citizenship or residence helps if you’re applying for a policy out of state or internationally.

Review These Frequently Asked Questions

Before you start your life insurance application, check out these commonly asked questions to help guide your preparation. Do I need my medical records? Generally, no. However, some insurers may ask for them and past physicians’ notes for medical conditions. Do I need to provide information about my dependents? Yes, if you have any family members who would benefit financially from an insurance policy that names you as the insured person, they should be listed on the application. Will my occupation or hobby impact my quote? It can, depending on the company and policy type you are applying for. Be sure to include all relevant information on the application so there won’t be any surprises or delays in processing the policy.

Preparing for a life insurance application can seem intimidating, but if you come prepared with your history and essential documents, the process can go much faster. Ensure you understand all questions clearly before filling out the application and answer consistently on forms from different companies. Taking your time to review the questions will help ensure accuracy and prevent delays in processing your policy.

Be Careful During the Application Process

During the life insurance application process, read each question carefully and answer accurately. Lying or providing false information can result in an inaccurate quote or an outright denial of coverage. Additionally, be mindful of incorrect answers, as they could lead to future issues if any details need to be changed after the policy has been issued.

To make the process quicker, have all necessary documents ready when you apply for life insurance. This includes information about your current health condition, financial status, debts, contacts, and family members who may be affected by the policy. In some cases, you may also need a medical exam to complete the application process. During this exam, provide truthful responses, as any deviation could lead to misquoted premiums or policy denial. Answering these questions honestly is critical as it helps ensure that the policy adequately covers your needs now and in the future.

Frequently Asked Questions

Can I apply for life insurance online?

Yes, it is possible to apply for life insurance online. Many companies offer online applications that allow you to get a quote and review your options before signing up. Once you submit your application, the company will conduct a medical examination and review additional documents to approve your policy.

Can I get life insurance if I have pre-existing health conditions?

Yes, you can get life insurance if you have pre-existing health conditions. Plenty of companies specialize in providing life insurance to individuals with pre-existing health conditions. Premiums and policy coverage will depend on the severity of your condition and other factors.

How long does a life insurance application take?

The application process for life insurance can take anywhere from one to six weeks, depending on the type of policy you are applying for and the details of your circumstances. To ensure a smooth and speedy application process, it is essential to provide accurate information to your agent or insurer, answer all questions thoroughly, and provide any necessary medical tests or other evidence that may be required.

Important Point to Remember When Answering Life Insurance Application Interview Questions

One of the critical factors that can help with your life insurance application process is a proactive insurance agent. Seasoned and professional agents are well versed in the in and outs of the application process. They can make the entire process easy and quick for you. 

Coach B. Life Insurance can help you!

Toll-Free: (800) 342-1537

Email:  info@coachbinsurance.com

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About Coach B.

After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.

In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.

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