How Long Does It Take to Receive Life Insurance from The Standard

When Will Your Policy Be Active?

After you submit an application to The Standard, the policy usually becomes effective within 30 to 60 days, provided all underwriting steps are cleared. This period covers the review of your medical information, credit check, and any necessary additional documentation.

Application Submission

The first step is filling out the online form or paper application. Digital submissions are processed faster, often within a few business days, while paper versions may add a few extra days for mailing.

Underwriting Process

The underwriting team evaluates your health history, current medical records, and lifestyle factors. If you require a medical exam, the time can extend by 1–2 weeks depending on the exam provider's scheduling.

Medical Exam and Results

Most applicants are asked to undergo a medical exam. The exam results are sent directly to The Standard's underwriters. If the results are straightforward, the policy can be issued in the same week; if complications arise, additional time is needed.

Policy Issuance and Delivery

Once underwriting is complete, the policy documents are generated, signed, and mailed or emailed. Digital delivery is common and can occur within 3–5 business days, while physical mail may take an extra week.

Factors That Can Delay the Timeline

Several elements can extend the typical 30‑60 day window:

• Incomplete or inaccurate application data
• Need for additional medical tests (e.g., blood work, imaging)
• High-risk health conditions requiring detailed review
• Credit score issues that trigger further investigation

What to Do While You Wait

Use this period to:

• Keep all medical records handy for quick reference
• Check the status of your application through your online account
• Contact customer service for updates if more than 60 days have passed

Final Steps and Confirmation

After the policy is issued, you will receive a confirmation email and a physical copy of the policy document. Review the terms carefully and reach out to your agent if any questions arise. Once you sign the policy, coverage becomes active on the effective date specified in the documents.