The process · Question 04 of 8

    How long does the process usually take from application to closing?

    Updated November 2026 · 1 min read
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    The short answer

    A completed sale typically takes 60–90 days from application to payment. We move as quickly as possible, but records, buyer reviews and the transfer affect timing.

    The typical timeline

    The typical process takes 60–90 days from application to payment. Your initial appraisal takes about a minute and is not a binding offer.

    What happens during the process

    With your permission, policy and medical records are gathered. Licensed buyers review the case, then you compare offers. If you choose to sell, signed documents and the carrier’s ownership transfer come before escrow funds are released.

    What affects timing

    Record availability, ownership questions and carrier processing times can affect the timeline. We work to move as quickly as possible and keep you informed.

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