Life Insurance with Sleep Apnea

by Jeff Rose on October 9, 2012

Life Insurance with Sleep ApneaSleep Apnea is a condition in which the breathing of the affected person starts and stops during sleep with varying frequencies.

Not only does it cause the signature annoying snoring, but it can cause even worse health defects that can affect the individual during their waking life as well.

It can cause fatigue, hypertension, lung damage, heart problems like heart failure and heart disease, loss of concentration, depression, stroke, and it can even worsen the severity of ADHD.

Nearly fifty percent of the people who are affected with sleep apnea are overweight. If left untreated, the condition can worsen and lead to all of these problems, and at its worse can be fatal. If treated properly, the affected can live a normal, healthy life. Of course, when applying for life insurance with Sleep Apnea, it can pose a problem, especially when combined with other health conditions. If your sleep apnea is left uncontrolled, you will most likely have to pay a higher premium

obstructive apnea

How Most Insurance Companies View Sleep Apnea

Many insurance companies will not offer the best life insurance rates for those who suffer from sleep apnea.  This is mostly because of the conditions associated with sleep apnea and the high risk of the patient. Fortunately, sleep apnea can be easily treated with the help of CPAP machines. These machines help to provide the oxygen that sleep apnea deprives the body of. If you regularly use your CPAP machine and have had a sleep study done with your doctor, then the chances for getting covered are increased significantly.

Choosing the Right Life Insurance Company

The key to getting good rates if you have sleep apnea is choosing the right company. There are a few companies that are more aggressive with underwriting sleep apnea and can offer Preferred to Preferred Plus ratings depending on the case. Here is what the life insurance underwriter will need to know about your sleep apnea:

  • What age were you diagnosed
  • How is it being treated?( CPAP, surgery, weight loss)
  • Date of last sleep study and the results
  • Height and weight
  • Tobacco use?
  • Any other health conditions?


It also depends if your condition is mild, severe, or worse. If someone has a mild case of sleep apnea, regularly uses their sleep apnea machine and does not have any other health conditions, they have a good chance of getting good rates. The same can’t be said for someone who is overweight with diabetes and a severe case of sleep apnea. Even if you are good health, some insurance companies will try to charge you a higher premium. If so, simply decline the offer and look for a different insurance company.

The Key!

If you are in good health and treat your sleep apnea regularly, then there is no reason why you should have to pay a higher premium for life insurance. Make sure use comply with treatments for the disease—not only for your health, but to save money on insurance as well. The key to getting approved for life insurance with sleep apnea is selecting the company that best suits your individual case. Make sure you talk with an experienced agent today!

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