Underwriting For Life Insurance, How Long Does it Take?

Update: 2025-10-02

Description

You know you’ll need to go through the underwriting process for Whole Life insurance so you can set up your Infinite Banking system, and you’re wondering: “How long will this take?”

In this episode I’ll explain how long it usually takes, and why it sometimes takes longer. I’ll also tell you what to expect in underwriting and share a real-world example of a case that took longer than usual, and the harmless reasons why.

Listen now!

Show highlights include:

How long underwriting typically takes. (1:04 )
Two common things that prompt additional requirements for underwriting, and makes the process longer. (1:51 )
Why it’s best to schedule a morning appointment with the exam company. (2:07 )
Chilling effect on your policy if you’re dishonest when answering medical questions. (3:53 )
Surprising way nicotine can “gum” up your rate. (4:34 )
Why an occasional cigar doesn’t automatically send your health rating up in smoke. (5:14 )
What underwriters are really looking for when they order medical records. (7:48 )
How medications can affect your application for better or worse. (13:32 )