Policy issue process is the sequence of carrier activities that transforms an approved life insurance application into an issued policy ready for delivery and placement in force. After underwriting approval, the insurer prepares the policy contract, verifies final offer terms, runs quality-control checks, and generates policy pages, schedules, and any required amendments. The policy issue process also involves setting up the policy on administrative systems, assigning policy numbers, and coordinating with distribution and case managers. Timing can be affected by outstanding requirements, such as signatures on amendments, final premium arrangements, or replacement forms. An efficient policy issue process is crucial to getting coverage in place quickly, especially when clients have time-sensitive needs such as impending travel, business transactions, or estate planning deadlines.

In practical brokerage and home office operations, advisors and case managers track the policy issue process closely after underwriting approval. They confirm that the correct face amount, riders, rating class, and ownership and beneficiary designations are reflected on the contract. If underwriting made counteroffers, they ensure the client understands and accepts the final terms. When policies are issued, they coordinate e-delivery or physical delivery, obtain delivery receipts, review any required statements of good health, and collect initial premiums if not already paid. Delays or errors at the issue stage can jeopardize placement, especially if client health changes or if financial conditions shift. Understanding the policy issue process helps advisors set realistic expectations for timing, communicate proactively with clients, and quickly resolve any administrative issues that could prevent valuable coverage from going in force.