Life Insurance With Sleep Apnea

One of the most common sleep disorders is sleep apnea, which leads many people to ask how carriers will view life insurance with sleep apnea. If you are in the market for life insurance with sleep apnea their are certain things you need to know before you apply to make sure you will not pay higher premiums, or even worse be declined. The range of sleep apnea severity can be very different which is way no two cases of life insurance underwriting are the same.

The important thing to remember is we can help you find affordable life insurance with a sleep apnea disorder.

We have helped many clients who have been declined for life insurance because they have a history of sleep apnea obtain affordable coverage. Some companies treat this very harsh and will decline you. The good news is if you have been declined it was probably because you applied with the wrong company, and should have been paired with a carrier who has a “sweet spot” for life insurance with sleep apnea. This post will describe how life insurance carriers view sleep apnea, the questions underwriters will need to know the answer to, and the ratings you can expect regarding life insurance with sleep apnea.

Approvals for Life Insurance With Sleep Apnea

One of the most important things to understand is why life insurance carriers see sleep apnea as a high risk for life insurance.

On the surface, the inability to sleep may not seem like a big issue but to insurance companies it is. Sleep apnea consists of loss of breath during sleep, and often times even hundreds of times throughout the night. Three different types of sleep apnea have been diagnosed and they include obstructive, central, and mixed. The main issue for carriers is the shortened life which may be experienced if sleep apnea goes undiagnosed or untreated. After a short time sleep apnea can lead to issues such as high blood pressure, stroke, heart disorders, diabetes, depression, and other lifestyle issues.

This is where sleep apnea begins to impact life insurance, simply for the side effects in the long term.


life insurance with sleep apneaThe biggest advantage of working with a high risk life insurance agency is our direct access to multiple companies and their underwriting departments. To do this we will ask you a series of questions, and with your information we will receive tentative offers from multiple carriers before we even apply for a policy. As the consumer, this is completely risk free and saves you time and money when it comes time to apply for a policy. Some of the most common questions surrounding life insurance with sleep apnea include:

  • When were you diagnosed? As a child or adult?
  • Have you experienced any symptoms in 6 months? 12 months?
  • Regular check-ups? Last result?
  • Treatments for sleep apnea?
  • Any surgery or medical procedures for sleep apnea?

If it has been some time since you were diagnosed with sleep apnea, and have been treated for it then you still may be able to qualify for Standard life insurance rating. If you are still having disturbances in your sleep, and they are only controlled then you may be approved at a Table 2-4 rating. If you are still experiencing sleep apnea, and are suffering from moderate sleep apnea then a Table 4-6 rating may be issued. If you sleep apnea is severe and has led to brain and/or heart complications than you will be declined for coverage and we will need to turn to guaranteed issue life insurance options.

As you can see, applying for life insurance with sleep apnea is not black and white and must be approached on a case to case basis. This is why it is so important to work with an agency who has experience working with these cases. To get a better idea of how your rates will compare please reach out to us to speak with an experienced life insurance agent.

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