Getting life insurance with sleep apnea is best if the condition was treated and a follow-up test completed to show that treatment (surgery, or CPAP) was efficient. If a follow-up exam wasn’t taken, the carrier might postpone acceptance until that review is completed. When you’re getting life insurance rates, your quotes will be set in part by your “risk class,” which is determined by an insurer’s guidelines.
The better your risk class, the lower your prices. The life insurance industry view sleep apnea as a risk factor, and your rates may be impacted by it. A moderate illness with good compliance and no other risks could be anywhere from preferred to standard rates. Your rating varies according to the severity as measured by your sleep study
What is Sleep Apnea
According to the Mayo Clinic’s Sleep apnea is a potentially serious sleep disorder in which breathing repeatedly stops and starts. You may have sleep apnea if you snore loudly, and you feel tired even after a full night’s sleep.
The main types of sleep apnea are:
- Obstructive sleep apnea, the more common form that occurs when throat muscles relax.
- Central sleep apnea, which occurs when your brain doesn’t send proper signals to the muscles that control breathing.
- Complex sleep apnea syndrome, also known as treatment-emergent central sleep apnea, occurs when someone has both obstructive sleep apnea and central sleep apnea.
Basic Guideline for Life Insurance with Sleep Apnea
Carriers are worried that those with sleep apnea are taking the ideal steps to keep it under control. They will be looking mainly at:
- Recent, favorable sleep study to confirm that treatment is working.
- Continuous use of the C-PAP machine (if prescribed by doctors).
- Are there any other risk factor such as depression, cardiovascular disease, obesity, or diabetes.
- No sleep-related accidents while driving
- Good response to treatment method.
The rating class for those who are looking for life insurance with sleep apnea will depend on the degree of the condition, results of sleep studies, symptoms, treatment method, reaction, and compliance with treatment. Untreated sleep apnea is rated poorly or may even be rejected for coverage because non-compliance can result in additional risk factors and complications
Life Insurance with Sleep Apnea Best Tips
- Life insurance with sleep apnea is possible to obtain. However, if you attempt to get it by yourself, you may dedicate a lot of time and end up getting rejected by several carriers. Any insurance declines you get, can make it harder for you to get life insurance with the next company you apply to. The key then is to avoid the declines, by finding which carriers are most likely to approve your policy. Only a knowledgeable life insurance broker can help you to accomplish that.
- Staying healthy is important. The presence of other known risks, such as weight problems and high blood pressure, along with sleep apnea could result in a less favorable life insurance table ratings, and result in either a decline in coverage or more expensive premiums.
- Some other remedies can be quite straightforward, such as avoiding sleeping on your back, slimming down, and avoiding smoking or excess alcohol and caffeine intake.