What to expect from the application process

Total Application Time

4–6 Weeks

The entire application process generally takes 4–6 weeks. The common cause of longer processing times is an applicant with a complex health history, whose doctor needs to submit medical records to the insurance company.

20-25 min

    What to expect

  • Complete a 2-page application covering basic info and job details.
  • Be prepared to provide income documentation—either your latest tax return or employment offer letter (if changing jobs).
  • You’ll have to sign authorization forms for release of health information to the insurer.

  • Then what?

  • Submit the signed application and authorizations to your broker (or the insurer directly, depending on the circumstances.
  • You will be called or emailed to schedule a paramedical exam and phone interview at your convenience.

Medical Exam
30-45 min

    What to expect

  • A paramedical technician will come to your home or workplace, as scheduled.
  • The technician will measure height, weight, blood pressure and pulse.
  • The technician will also take a blood sample and urine sample.

  • Then what?

  • The results of your exam (including the blood profile and urine screening results) will be submitted to the insurer’s underwriters.
  • Additional medical records may be requested from your physician(s), as necessary.

Phone Interview
20-25 min

    What to expect

  • An insurer representative will call you, as scheduled, to ask about your lifestyle (e.g., travel & hobbies) and health history.
  • Your broker should provide a list of the questions beforehand so you know what to expect.
  • Have the name, address and phone number of your primary care physician handy.

Underwriting and Approval
2–4 weeks

    What to expect

  • Assuming everything is in good order, your case will go to underwriting for final approval.
  • The insurer may contact you if they need additional information.
  • When the policy is ready, your broker (or the insurer) will deliver it to you. You’ll have to sign a delivery receipt and authorize the payment method to activate the policy.

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