Many people do not understand what happens between the time they submit their application and complete the exam, and when they receive their policy. Once your written application form is signed and returned, and your exam has been completed, the insurance company will begin to evaluate your case. This evaluation is called "underwriting." The answers to the questions on your application, along with the results of your medical exam, are initially reviewed by an "underwriter." We attempt to gather all of the pertinent information before the underwriting process begins. However, we, or the insurance company, may need to verify or collect additional or missing information during the process. Such information may typically include a copy of any medical records from your doctor(s), a motor vehicle report, additional financial/employment verification, telephone interviews with a 3rd-party verification service, etc. We may also call you just to keep you updated on the status of your application. Once all required information has been received, the insurance company will make their decision regarding whether, and at what rate, you qualify for the insurance. Remember that the research and evaluation which makes up the underwriting process allows the insurance companies to make the best decision on your case. Ultimately, the time spent in the underwriting process keeps your rates low! The whole process generally takes approximately 3-8 weeks, depending on the amount of information which the insurance company must gather in order to make their decision. If one or more pieces of information are missing or are difficult to obtain (such as doctor's records), the process can take even longer. There are no shortcuts in this process, but you can help expedite this by providing complete information on your application.