Life Insurance with Sleep Apnea

Life Insurance with Sleep Apnea

Life insurance is one of the most important purchases that you’ll ever make for your family. It’s the best safety net that you can purchase for your loved ones. It’s the only way that you can protect your family, regardless of what happens to you tomorrow.

Life insurance is as important for the 18 million Americans with sleep apnea as it is for people without the disorder. Because it’s such a common condition, there are millions of Americans with sleep apnea that are looking to get life insurance. There are several different factors that the life insurance company is going to look at when they review your application for life insurance coverage. In this article we’ll look at the factors behind life insurance rates for sleep apnea sufferers.

Factors That Insurance Companies Consider

Sleep apnea affects sufferers in different ways, and life insurance quotes for this group vary as a result. Below are some of the questions you will need to answer in order to get a quote that is accurate.

  • How long have you suffered from sleep apnea?
  • What form of sleep apnea have you been diagnosed with? Although obstructive sleep apnea is most common, central or mixed sleep apnea are other types.
  • How severe are your sleep apnea symptoms?
  • Have you undergone a sleep study? If so, when was it?
  • Are you currently suffering from other medical problems, such as arrhythmia or high blood pressure?
  • What is your height and weight?
  • Are you currently a cigarette smoker, or have you been in the past?
  • What is the current treatment for sleep apnea? Have you received an oral device or CPAP machine or undergone surgery?

Sleep Apnea Life Insurance Health Ratings

Based on the answers to the questions above we’ll be able to provide you with a good idea of how a life insurance company will price your policy.

Term Life for Individuals with Mild Sleep Apnea

If you suffer from a mild form of sleep apnea and do not have any complications, you may be eligible to receive Preferred Plus rates – this means that your life insurance policy price may not contain any increase related to your diagnosis.

Term Life For Individuals with Moderate Sleep Apnea

If you have been diagnosed with moderate sleep apnea, are receiving treatment, such as CPAP, and are following the recommendations of your treating physician, you may qualify for Preferred rates.

However, if you have moderate sleep apnea, and it is currently untreated but without complications, your health rating may range from table 2-4. Table Ratings are rates that are higher than standard pricing for life insurance. The higher the number, the higher the rate.

Term Life Insurance For Individuals With Severe Sleep Apnea

If you are diagnosed with severe sleep apnea and are currently receiving treatment as well as following your physician’s treatment recommendations, your health rating will probably be Standard.

However, if you are suffering from severe sleep apnea and are not receiving treatment, you may not be able to get life insurance at this time. In order to avoid being declined, be sure to seek sleep apnea treatment – which typically involves having a sleep study first.

One of the most important things that you can do for your health and your life insurance plan is to always follow your doctor’s orders. This will help you improve your health and lower your insurance premiums, which is a win-win situation for both your and your doctor. Additionally, it’s vital that you get regular checkups and always follow up with your doctor periodically to ensure that everything is going as planned. Your physician can help make any adjustments or additional treatments that you need to ensure that you have the best health possible.

Getting The Best Rates With Sleep Apnea

One of the most commons reasons that people don’t purchase a life insurance plan is because they assume that the policy is going to be too expensive, but this couldn’t be further from the truth. In fact, in most cases a life insurance plan is going to be much more affordable than you might think. There are several ways that you can lower your insurance premiums.

The first thing that you should do is improve your health. There are several ways that you can do that and ensure that you’re getting the lowest rates available to you. The first thing that you should do is start a healthy diet and stick to it. Switching out the junk food for veggies, you can lose those extra pounds as well as lower your cholesterol and blood pressure.

Another thing that you should do is start an exercise program, which can work wonders on your health. Getting regular exercise can also help you lower your weight, blood pressure, and even help relieve stress.

The best way to improve your health is to eliminate any tobacco that you currently use. If you’re listed as a smoker on your life insurance application, you can expect to pay much more for your coverage versus what a non-smoker is going to pay for the same size plan. In fact, smokers pay an average of twice as much for their life insurance plan. If you want to get the most affordable life insurance plan, it’s time to drop those cigarettes once and for all.

The only way that you can ensure that you’re getting the best policy to fit your needs is to get quotes from dozens of companies and compare the policies. Because there are so many different companies, you could spend weeks calling different agents. Instead, you can let us do all of the work for you.

Working with one of our independent insurance agents will save you both time and money on your life insurance plan. Unlike a traditional insurance agent, we don’t only work with one single company, instead we work with dozens of highly-rated companies across the United States. We can bring all of the best life insurance rates directly to you. No hassle of calling the companies yourself.

Bottom Line

When it comes to sleep apnea, you can get approved for life insurance. The biggest thing that insurance companies want to see is that you are taking steps, or have taken steps to manage the condition. Uncontrolled sleep apnea can lead to additional health risks, such as a high blood pressure, which can lead to heart disease. If you have taken these steps, finding affordable life insurance coverage should be doable – sometimes it means knowing which life insurance company to apply with. As an independent life insurance agency knows which companies are likely to approve you based on your specific situation.

If you have any questions about getting life insurance or about your options with sleep apnea, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best insurance rates for you and your family. Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the insurance protection that your family deserves.

Compare rates using our quote engine on this page or call us at 1-888-552-6159 and we can help with you secure affordable life insurance coverage.

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Liran Hirschkorn is an independent life insurance agent. His mission is to help individuals across the U.S in finding the best rates on life insurance as well as helping those that have previously been declined get approved for coverage. Liran looks forward to speaking with you about your life insurance needs.

Comments (2)

  1. Jeff Prior says:

    I was turned down for a $1 million policy 3 years ago, due to:

    Sleep Apnea – yes I use a CPAP regularly and have done so for 5 years.
    High Blood Pressure – was and am on medication for it.
    High Cholesterol – was and am on medication for it.

    I am 6 feet tall and weigh 210 lbs, and I am 44 years old and am wondering if it’s even possible for e to get a Term life insurance policy for around $250k or even $500k. I was weighing around 225 when I was declined for life insurance 3 years ago.

    Any insight would be appreciated.

    Thank you,

    Jeff Prior

    1. Liran says:

      Hi Jeff,

      I believe it is possible for you to get approved – likely at Standard rates with some carriers. I have emailed you more specific information.

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