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<h1 class="article_title">Step 5 - Underwriting Your Life Insurance Application</h1>
<h2 class="article_subtitle">The Life Insurance Company "Underwrites" Your Application</h2>
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<p><em>Once your completed life insurance application</em> is received and your medical exam is taken, they are both transmitted to the life insurance carrier. Once they receive these preliminary requirements, the underwriting process begins.</p>
<p><em>The underwriting process</em>, on average, takes 4-6 weeks. The time it will take for your individual application depends on what is required by the life insurance underwriter. It is common for the underwriter to request your medical records after reviewing your life insurance application and exam.</p>
<p><em>The process of obtaining your medical records</em> is usually the longest part of the entire life insurance application process. It can take up to a month or six weeks to receive these records from your physician. During this period you may also be contacted by a case manager to obtain any additional information that has been requested by the life insurance underwriter.</p>
<p><em>After all requirements are received</em>—including your attending physician statement—it takes the life insurance underwriter approximately 10-14 business days to have a final decision on your application. We will notify you via email or phone as soon as your life insurance application is approved. If the offer (price) is different than what you applied for, we will contact you to discuss your options.</p>
<h2 class="article_subtitle">WholesaleInsurance.net Offers You the Easiest Way to Provide Financial Protection for Your Loved Ones</h2>
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<p><strong>Types of Life Insurance:</strong></p>
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<td width="33%"><a title="Guaranteed Life Insurance" href="/life-insurance/guaranteed-issue.asp">Guaranteed</a></td>
<td width="33%"><a title="Term Life Insurance" href="/offers/term-life-insurance.asp">Term</a></td>
<td width="33%"><a title="Smokers Life Insurance" href="/offers/smokers-life-insurance.asp">Smokers</a></td>
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<td><a title="Key Man Insurance" href="/offers/key-man-life-insurance.asp">Key Man</a></td>
<td><a title="Seniors Term Life Insurance" href="/offers/seniors-term-life-insurance.asp">Seniors</a></td>
<td><a title="Universal Life Insurance" href="/offers/universal-life-insurance.asp">Universal</a></td>
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<td><a title="High Risk Insurance" href="/offers/high-risk-insurance.asp">High Risk</a></td>
<td><a title="ROP Life Insurance" href="/offers/return-of-premium.asp">ROP</a></td>
<td><a title="Mortgage Life Insurance" href="/offers/mortgage-life-insurance.asp">Mortgage</a></td>
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</table>
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2010-01-14T20:55:25Z
Underwriting Your Life Insurance Application
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Step 5 in the Life Insurance Application Process: Underwriting your life insurance application can take longer than you'd think. Learn how long.
life insurance, life insurance company, life insurance application, underwriting, life insurance underwriter, life insurance application process
Step 5 - Underwriting Your Life Insurance Application
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2010-01-21T20:49:47Z
term-application-process/underwriting.asp