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The process I just described for you can take anywhere from 4-6 weeks â sometimes longer, sometimes shorter. It all depends on how quickly you get your life insurance medical exam and what they find on your medical records.ou can get a traditional term policy that is fully underwritten, meaning that you're going to get a medical exam, or you can go the non-medical approach. We'll take a look at both of these and see how long the process actually takes.
President and Senior Agent, Outlook Life, Most of the U.S. Life insurance companies generally say that it can take two months to process a claim. If everything goes well, this time can be much shorter. If the death claim form is filled out incorrectly or there are other sticking points, it could take longer than that.