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How quickly will your application be processed?
The short answer is that the speed depends upon your personal details.
Hot Topics
- Where can I find help?
- To help you find your question, we have organised our FAQ’s into relevant groups. Answers to all sorts of more general questions are found in the General Questions section.
- Should you consider Critical Illness cover instead?
- If you have no dependants or already have Life Insurance, you should consider Critical Illness Insurance instead of Life Insurance.
- Should you consider Mortgage Life Insurance instead?
- Only if you have a Repayment Mortgage and want insurance cover for it.
- Should you include Terminal Illness Insurance?
- You probably won’t need to - most policies include Terminal Illness cover free of charge on all Life and Critical Illness policies.
- Should the cover be on joint lives or separate lives?
- It may be better to buy separate policies.
If it is straightforward, and you have sent your Application form back in the post, the quickest will be a week.
Most insurers accept about 3 in 10 of Applications almost immediately. For the others there are delays; about half of Applicants have to wait three weeks and to 2 in 10 wait 6 weeks or more. The remainder are largely completed within 10 weeks.
We aren't happy with such delays any more than you will be - but this is a realistic answer to the question.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- What causes delay and can delays be reduced?
- What correspondence can you expect to receive after your Application has been submitted?
- What happens if you urgently need Life Insurance in order to complete your house purchase?
- If your insurer asks for a higher premium because you are Rated, is it worth applying to another insurance company?
- Should you include terminal illness insurance ?
- What factors can add to the price?
- What is the difference between life insurance and life assurance ?
- Do you have to buy your Life Insurance through your mortgage lender or mortgage broker?
- Go to menu of Frequently asked Questions about Mortgage Life Insurance
- Go to menu of Frequently asked Questions about Life Insurance
- Go to menu of Frequently asked Questions about Critical Illness Insurance
- Go to menu of Frequently asked General Questions