New answer on: Can I Get Life Insurance With Sleep Apnea?

By: Larry Gilmore

Larry Gilmore — Sat, 25 May 2013 02:43:33 +0000

Can you get life insurance with sleep apnea? Yes, it is possible to obtain life coverage while having sleep apnea, but chances are the class will be standard or lower. Sleep apnea is an unpredictable outcome illness as it can be the begining of other serious coniditions. Someone with sleep apnea must show good control, consistent use of their c-pap machine (currently 50% of the people stop using their cpap after one year.) and not have issues elsewhere.

By: David Racich

David Racich — Fri, 24 May 2013 18:56:37 +0000

Depending upon if your sleep apnea is mild and controlled, not severe and uncontrolled, you should be able to secure life insurance coverage at standard offers or better. Some sleep apnea can be corrected with surgery and some life insurance companies are benevolent because it was corrected. The real problem is diagnosed uncontrolled sleep apnea with no Cpap machine, that can cause dramatically affect an underwriting offer or outright declination.

By: Peggy Mace

Peggy Mace — Fri, 24 May 2013 18:41:07 +0000

Yes, most people with sleep apnea can get life insurance. If mild and controlled by regular use of Cpap or bipap, or if the sleep apnea has been corrected by surgery, the applicant can even be rated Preferred for some life insurance policies. Severe sleep apnea that is not controlled, or when there is no follow up or Cpap is not used as directed, the policy can be rated up or even declined.