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 companies that will offer their better Preferred Plus or Preferred 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 the best rates for life insurance 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 very well controlled, then you could qualify for the best rate class with the more aggressive life insurance companies for sleep apnea.
We’ll find the best insurance companies for you, just click on link below to get an accurate sleep apnea life insurance quote.
Please also feel free to call us at 1-800-380-3533 or click here to email us if you have questions or need more information.
You can also use the “Instant Life Insurance Quotes” form on the upper right hand side of this page to get instant quotes and to see just some of the insurance companies we can offer you, but we will need to get the information in the “Accurate Sleep Apnea Insurance Quote” link directly above to provide you with accurate quotes.
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