The shortest amount of time from contact to payment has been 1 hour. I will have clients who want to shop insurance but they waited until the last day of renewal at the end of day. We can quote, send applications and issue in 1 hour if neccessary. I prefer to have more time to quote and to review options with the client. The more time we have the better.

The longest time is usually around 30-60 days depending on the carrier. They will send a cancellation notice and if the client has not paid, the policy will cancel. Typically involves collecting payments from the mortgage company.