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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.
About How Long Should It Take to Receive Life Insurance Money? In order to receive life insurance funds, you must be named as a beneficiary on a life insurance policy. In most cases, you won't be surprised that you're in line to receive life insurance benefits. This is because you're likely to be the beneficiary on only those policies carried by your spouse or parents. Once the carrier of the policy on which you're named as a beneficiary passes away, you'll need to file a benefits claim with their life insurance carrier. This will require you to adhere to the terms of the policy and fill out a fairly involved set of documents.