Wallace Group - Insurance Blog

Life Insurance For People With Sleep Apnea

Do you struggle with sleep apnea? If so, you may not even know it until someone who’s sleeping beside you starts to complain about your chronic snoring.

Sleep apnea may seem like a minor condition, but in reality is no laughing matter. Some 22 million Americans suffer from sleep apnea, which is linked to some severe and even life-threatening problems. Common symptoms of sleep apnea include snoring and daytime fatigue.

If you or a loved one wants to buy life insurance but has a medical condition like sleep apnea, it may affect their ability to find affordable rates. Read on to find out how to improve your chances of finding an affordable life insurance plan.

How Does Sleep Apnea Affect One’s Ability to get Life Insurance?

Many health problems to do with sleep apnea tend to be heart-related since sleep apnea cuts off blood flow and, therefore, oxygen levels to the heart during sleep. The disease is also associated with weight gain, obesity, diabetes, high rates of cancer, hypertension, and other heart and lung factors.

Sleep apnea sufferers even have an increased risk of car accidents stemming from extreme daytime fatigue.

Finding affordable life insurance can be challenging with this condition because sleep apnea is associated, both directly and indirectly, with so many different health problems. However, life insurance for sleep apnea is one of our specialties so you are in good hands.

How to Get Life Insurance for People with Sleep Apnea

There are three levels of sleep apnea: mild, moderate or severe. It is important to be as accurate as possible when you are talking to your agent or the life insurance company. Sometimes life insurance will charge higher premiums to those with severe sleep apnea, however, if you are in the mild or moderate category, and can prove that you’re committed to an effective treatment plan, you have a good chance of finding a company that will be able to offer affordable rates.

If you were prescribed a CPAP or BiPap machine by your doctor, and you are in compliance with your treatment, you may have a better shot at getting an affordable rate. Treatment compliance is key because if your condition can be alleviated, and you do not follow through, then the life insurance companies will take a dim view of your situation. If you have related risk factors like obesity or high blood pressure and can’t prove that you are on a positive path to good health, you risk having your premium increased during underwriting.

What Can You do to Improve Your Chances of Getting an Affordable Rate?

Even if your condition is mild and think you’re in a low-risk category, you might still be wondering, “Can I get life insurance if I have sleep apnea?” Yes, but your chances of success and having a lower premium are significantly increased by contacting an agent who is an expert in working with sleep apnea patients. Agencies like us are here to help you find the best life insurance companies for sleep apnea because you could end up getting denied by starting in the wrong place, which will decrease your chances of getting life insurance later. If you are improving your condition through medical treatment, surgery, or weight loss, don’t wait. Get your family covered today.

If you have a health condition that is making it difficult for you to get a good deal on life insurance, we can help you find the best life insurance companies that specialize in your condition. Call us now or click on the quote button. We look forward to hearing from you!

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