The life insurance application process consists of submitting an application and a free medical exam to the life insurance company. It may also be necessary for the life insurance company to contact you for a brief telephone interview. The medical exam can be scheduled at your home or work and is paid for by the life insurance company. The exam typically consists of medical history questions, blood/urine specimen, blood pressure/pulse readings, and height/weight readings. Sometimes additional requirements are necessary, such as an EKG. It is recommended that you schedule your exam early in the morning because test results are often better at this time. Once we receive your completed life insurance application, it will be submitted to the insurance company. Underwriting usually takes approximately 4-8 weeks. We will keep you updated on the progress throughout this time period.