It usually does not take very long to get a car insurance quote online, or for the car insurance policy to go into effect; however, with something as more in depth as life insurance, you might expect to wait a while if you are getting your life insurance quote online. Surprisingly, getting a life insurance quote online, plus a life insurance policy to take effect, might not take as long as you would think.

What to Expect

If you have decided to get your life insurance quote online, there are a few things you can expect. Here is a generic overview of the application process.

Obviously, the first step is to fill out an application for your life insurance quote online. You will be contacted by a representative who will set you up with an appointment for a free medical exam. After the medical exam takes place, and the life insurance company receives the results, your life insurance policy will probably take effect in around four weeks – assuming there are no complications along the way. During these four weeks, your medical exam will be reviewed by the life insurance company and your application for a life insurance policy will either be accepted or rejected.

Conditions

Of course, there are certain conditions that may throw a wrench in the smooth flow of the application process. For example, if you have recently been seen by a doctor or other medical professional for a major health condition, it may take longer for the life insurance company to determine whether or not they are going to offer you a policy, and if so, what kind of underwriting is going to be involved.

When this is the case, the life insurance company will usually call your doctor and request that certain medical information be sent to them – if your doctor sends it promptly, your policy may not be held up for much longer than average.