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Sleep Apnea seems to be the diagnosis du jour over the recent past as almost everyday I speak to someone that's been diagnosed.
While Apnea is defined as the cessation of breathing, I've never heard of anyone dying of it in their sleep. But it can still cause a problem if you want life insurance and have sleep apnea since it has been linked to hypertension, cardiovascular disease, obesity, motor vehicle accidents and even some cancers.
There are several insurance co's that will offer their best Preferred Plus rates to people that were diagnosed with sleep apnea, as long as it is well controlled with CPAP, BiPAP or by surgery and as long as the patient is compliant with the Doctors recommendation (i.e. they use the CPAP or BiPAP nightly if recommended).
Some things that need to be known to determine which life insurance companies and rates may be best for people with sleep apnea are:
-When were you diagnosed?
-Do you know if you were diagnosed with Obstructive or Central sleep apnea?
-Do you recall if your sleep apnea was mild, moderate or severe based on your sleep study and number of apnea's per hour?
-How were you treated, with CPAP or BiPAP and do you use it nightly or were you treated with surgery or other means?
If your health is good otherwise and your sleep apnea is well controlled, then you could qualify for the best rate class with the more aggressive co's for sleep apnea.
We'll find the best insurance companies for you, just call us or run a quote request on the upper right hand side of this page and we'll send you life insurance rates and information based on your health history and sleep apnea.
