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How long will it take before my policy becomes effective?

The amount of time it takes for a policy to be approved varies with the company and the complexity of your situation, but we typically expect a six-week turnaround. People in good health generally have shorter periods. On the other hand, people with health problems generally require more time because medical records may have to be obtained from physicians, lab results may need to be analyzed and other questions may need to be answered before the underwriters can approve the policy