When you apply for life insurance you may go through the following process.
Locate a licensed independent life insurance agent in your area. Request free life insurance quotes, Apply for life insurance by filling out an application for life insurance and answering some basic health questions.
Depending on the insurer and amount of life insurance you may be required to take a physical exam, blood and urine tests. Them once your application and physical exam results have been reviewed you will receive confirmation whether your life insurance application is approved.
Or, you could apply for term life insurance online with no medical exams required and no waiting.