The Wait
Wait. 2-6 weeks is normal, with 2 weeks being very rare.
Two weeks is more like “dreamland”, but it can happen. The more usual time frame is 4-6 weeks and possibly longer if any part of the application is missing or if your medical background check contradicts your application information.
Yes, there is an organization called the M.I.B. (Medical Information Bureau) that keeps track of medical records just like credit bureaus keep track of financial files.
They check your records and will investigate your immediate family [mother, father, brother(s), sister(s)] if there is a claim, just to make sure you didn't lie on the application.
If they can prove you lied (within the contestability time frame--usually 2 years from policy delivery) they don't have to pay the claim!