Life Insurance with Sleep Apnea

By March 7, 2017Insurance
sleep apnea

Having sleep apnea is an additional challenge to accommodate, the last thing you’d like to do is stress yourself concerning getting life insurance. Insurance companies even refuse an applicant or generally would give them a lot higher monthly obligation. Thankfully, due to a great deal of data revealing how sleep apnea may be controlled with medical treatment, corporations began supplying rates that were considerably better in the past couple of years. It’s not unusual when your sleep apnea is nicely handled to get rates that are preferred or standard.


Obstructive – standard type usually caused due to physical handicaps such as a hindrance inside the air passage like tonsils or unknown tongue size. It happens when your airway loosens and obstructs.

Central Sleep Apnea – unlike obstructive type this type of sleep apnea is caused due to your brain not communicating with the muscles that control your breathing.

Complex Sleep Apnea  -When you have both forms of sleep apnea concurrently.


Like every medical condition, every life insurance company looks at you differently, so work with an expert to help narrow your options down. The secret to getting life insurance is simple, below are five common considerations of your case that the insurance companies review to ascertain as to whether or not you have it under control:

  1. Type and seriousness of sleep apnea.
  2. Sleep study test.
  3. Supporting treatment like specific dieting or losing weight.
  4. Continuing physician visits for apnea direction to ascertain if the disorder has been helped or worsened by treatment.
  5. Usage of alcohol or tobacco products.sleep-anea-life-insurance

When the variables have been considered by the life insurance company, they then assign you a rate type. Here could be a little description of exactly what the rate types mean:

Preferred Plus/Preferred – no family history of health challenges and ideal, occasionally a rate group given to those who have become healthy without any medical conditions at all.

Standard – A bulk of individuals will get this rate type; its rates are not as attractive as rates that are preferred nonetheless they are still extremely sensible.

Substandard – this particular evaluation has many degrees called tables. People who get a substandard rating are now and again considered higher risk from the underwriters of the life insurance companies. Anyone with this particular rate class can typically have a higher monthly premium. With this in mind, the larger the table number, the larger the payments. Nonetheless, in fact, it is still easier to have coverage particularly if you’re in a quite higher hazard of mortality.

Now that there is an increased strategy of the types of sleep apnea, what insurance companies investigate for the rate groups as well as to make selections they assign, let out what are a few possible results’ check.


A lot of the insurance companies’ selection incredibly drop onto the harshness of the sleep apnea beginning from severe, average, and fine also to the treatment uniformity. So, when the insurance company takes everything into consideration, here’s what to expect.

In case your physical state isn’t challenging and is handled without getting CPAP machine and multiple prescriptions then well-enjoyed ratings, which are for the healthy, can be yours.

Assuming you are controlling it with treatment like drug or CPAP you will also qualify for most well-enjoyed rates. All things considered, should you not show uniformity in treatment you’ll perhaps be eligible for anything from standard rates to that of substandard tables.

Nevertheless parenthetically like the majority of people with sleep apnea you are getting it treated, which at the end of the day, is the most important factor when being reviewed by an insurance company.


It is all moving direction and your treatment of your apnea. As essential as the foremost is understanding that companies are those presumably to approve at rates that are best for someone with sleep apnea. Most instances that get declined are by the insurance companies are generally because of non-compliant follow-up and treatment.


There are a couple of things you must do when trying to get life insurance:

  1. Work using a high-risk agent who’ll urge the firms that furnish greatest rates with sleep apnea.
  2. Work with your high-risk knowledgeable agent by attaching a letter to the underwriter describing your treatment showing that you exhibit an overall healthy lifestyle.
  3. Pay attention to your own physician’s recommendations.
  4. Be sure to have had a sleep study completed.

Contact us with any questions or concerns you may have. We are happy to help and ready to serve.


Jake Lynn is the owner of He’s an independent agent who has helped thousands of people purchase life & health insurance online and over the phone

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