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I'm unsure of how the verification works on the Life Insurance plans.

Fidelity verification on new accounts and how long it takes

Fidelity investments, Fidelity verification, online trading

I'm unsure of how the verification works on the Life Insurance plans.
However, for new retail accounts such as a brokerage trading account you can open it right online and the verification is instant.
This is if you are living in the US and a US Citizen with an SSN. If not, the verification can take a minimum of 3 business days but Fidelity may need additional information after that.

In the additional information, depending on your situation. Sometimes Fidelity may need a copy of a US issued government photo ID, or something to verify your US address such as a utility bill, renters agreement, or mortgage paperwork showing your address. Fidelity may also need a W9 or W8-BEN.

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