Life Insurance With Sleep Apnea

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Life Insurance Sleep ApneaOver the past few years, life insurance rates with sleep apnea have been declining because life insurance companies are giving better health classifications.

Back in 2009, a “Standard” health classification used to be the best case scenario.  Now we’re seeing preferred and preferred plus offers consistently! 

If you’ve purchased a policy within the last 5 years and were rated Standard or worse for sleep apnea, give us a call – we can secure a less expensive policy IF your sleep apnea is under control and documented by your physician.

Life insurance underwriters consider your sleep apnea either controlled or uncontrolled. The difference between the two could cost you hundreds of dollars on your life insurance policy. Regardless of your health, or what you’ve been told about life insurance and sleep apnea, we can help you find a quality and affordable life insurance policy to fit your needs and give your family the insurance protection that they deserve.

There are also companies who offer life insurance for high risk individuals such as someone looking for life insurance for diabetics should this be something you are in need of. Call us today and let us help you get the coverage you deserve. 

Sleep Apnea Life Insurance Underwriting

As long as your sleep apnea is being treated (directly or indirectly) and you have completed a recent sleep study (within the last 3 years), preferred to preferred plus rates are well within reach! If your sleep apnea is untreated, that’s when you’ll see standard to standard plus rates.

Life insurance underwriters consider “indirect treatment” as weight loss, non-use of sleeping pills and abstinence from alcohol prior to bed time.  “Direct” treatments usually consist of using a CPAP since it’s the most effective tool.  If you’re controlling your sleep apnea with ANY of these treatments, the best life insurance rate class is available.

If you can’t demonstrate control of your sleep apnea in sleep studies, that’s when you’ll be paying more for your life insurance.  Added concerns and increased rates include cardiovascular risks such as your build or high blood pressure.

Please keep in mind that if your medical records show that your doctor recommended a sleep study and it wasn’t completed, you won’t be able to obtain coverage until you complete it.

The key in finding the lowest life insurance rates with sleep apnea is to use the right life insurance company. 

There are several life insurance companies out there who are more aggressive when if comes to life insurance with sleep apnea. Other companies have the same old stance of Standard rates as a best case scenario.  If you’ve been offered standard rates for sleep apnea and have your sleep apnea under control with a recent sleep study done, kindly pass on their offer and look elsewhere.

This is what a life insurance agent needs to know about your sleep apnea:

  • Age at diagnosis
  • How is your sleep apnea being treated? (CPAP, weight loss, surgery, observation etc.)
  • What type of sleep apnea do you have? (obstructive sleep apnea, central sleep apnea or mixed sleep apnea)?
  • Any surgeries? (UPPP or tracheotomy)
  • When was your last sleep study? Results?
  • Height and weight
  • All medications being taken
  • Do you smoke or use any tobacco products?
  • Any other underlying health issues?

Any agent who doesn’t gather this information from you is simply guessing at your life insurance rates.  Proceed with caution. All of the factors above are going to play a huge role in how much you pay for your life insurance policy.

Every life insurance company will view your sleep apnea differently, the key is fitting YOUR specific risk into their underwriting guidelines.  We’ve surveyed over 60 life insurance companies and know how each one of them views sleep apnea.  With the answers to the questions above, we can secure the best life insurance rates available.

Recent Case Study

Case Study #1

sleep apnea and life insurance case study

Our advantage was we knew which carriers  would look at this case most favorably and we also know how to “pitch” the underwriter your sleep apnea case in the most favorable way possible.

Case Study #2

We recently obtained a 55 year old male, $1 million dollars of life insurance who had a 6 year history of well controlled sleep apnea using a C-PAP machine and no other health issues a PREFERRED PLUS offer.  That is the best rate class you can qualify for.

Every insurance company is different, and all of the companies are going to view sleep apnea different when calculating your insurance premiums. Some of them understand the condition and are going to give you preferred rates, while other companies are going to give you slightly higher rates. If you want to get the lowest rates, it’s vital that you compare quotes from dozens of companies before you choose the plan that works best for you and your loved ones.

The best way to do that is by working with an independent insurance agent, like ours at Rootfin. Unlike traditional insurance agents, independent agents represent dozens of companies across the nation and can bring all of the lowest rates directly to you. Don’t waste your time calling dozens of companies to receive quotes, let us do all of the work for you.

Aside from working with an independent insurance agent, there are several ways that you can save money on your life insurance policy. The first thing that you should do is improve your health. After you complete the initial paperwork for the insurance policy, the company is going to require that you go through a medical exam before they will approve you for the coverage, unless you have opted to purchase a no medical exam required life insurance policy. The better the results from the exam, the lower your premiums are going to be. If you want to get the most affordable policy, you’ll need to improve your overall health.

The first thing that you should do is start and stick to a healthy diet. Switching out some of the junk food for healthier options can work wonders on your health. It can help lower your weight, blood pressure, cholesterol, and much more. All of these are going to translate into a better rating from the insurance company.

Additionally, you’ll need to start getting regular exercise. Similar to starting a healthy diet, exercise can help you shed those extra pounds as well as lower your blood pressure and a whole host of other benefits.

Bottom Line

Life insurance with sleep apnea shouldn’t be an issue if you use the right life insurance company.  If you’re in the market for life insurance and are dealing with sleep apnea, we encourage you to contact or team at and leverage our experience in helping those with sleep apnea find the most affordable life insurance rates. 

If you have any questions about getting life insurance with sleep apnea or about the different options available to you, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best coverage possible.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. Our agents can help you connect with the best plan possible.

Not having life insurance is one of the worst mistakes that you can make for you and your family. If you were to pass away, your loved ones would be left with a massive amount of debt, and no way to pay off those expenses. Your life insurance plan can give them the money that they need.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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