Getting life insurance can be a really long and drawn out process and learning how life insurance works can be just as hard.

Part of this process comes from the insurance companies needing a copy of your medical records to make a final decision.

Some companies like Haven Life, Ladder Life​,  Fabric Life and Bestow have been working on a new way to complete your life insurance application.

However the majority of companies still use traditional underwriting methods.

Even though you will always get the best rates when you choose an exam, the medical records process can be long.

In this infographic, you will learn the process of how traditional life insurance companies obtain your medical records and why it can add up to 3 weeks to your life insurance application decision.

Click on the infographic below to view a larger image:

anatomy of a medical records request

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Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

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