Most life insurance applications require basic health history, current prescriptions, and lifestyle information. Some policies may also require a medical exam or access to past medical records. No-exam policies are available but often come with higher premiums.

Some policies offer simplified underwriting, but most require a health review. Insurers assess your medical history, cognitive status, and functional ability. Applying while you're younger and healthier improves your chances of approval and lowers premiums.

If your insurance is employer-sponsored, it may end when your employment ends. However, some plans offer portability, letting you convert or continue coverage privately. Individual policies through a broker remain unaffected by employment changes.

Approval times vary based on the type of policy and underwriting. Fully underwritten policies may take 4–6 weeks due to medical exams and record reviews. Simplified or no-exam policies can be approved in as little as 24–72 hours.

Yes, most insurers have age cutoffs, typically between 70 and 79. While you can apply earlier, it's ideal to start between ages 50–65 for better rates and approval chances. Some hybrid policies may allow older applicants with limited benefits.