Sleep apnea can affect one's rate class. Sleep apnea is diagnosed by having a "sleep study" done. The condition is scored based on how many "episodes" a person has over a certain period of time, usually per hour. Severe sleep apnea is a contributor to other health issues and has been shown to be a serious risk.
There are some life insurance companies that can rate as good as Preferred for mild sleep apnea that is regularly and well controlled by ventilation therapy. Moderate and severe obstructive sleep apnea will incur a higher cost, and generally require a follow up sleep study at least one year after diagnosis to show that sleep apnea symptoms have gone away with consistent use of Cpap, Bipap or other treatment.
Central sleep apnea, uncontrolled sleep apnea, or very severe OSA may be declined by traditional policies, but can qualify for some simplified issued policies.
Sleep apnea usually affects life insurance rates, but there are a handful of companies that can rate as good as Preferred or better with very mild, very well controlled sleep apnea, or sleep apnea that has been corrected by surgery.
In the case of moderate to severe sleep apnea, uncontrolled sleep apnea (still having symptoms of excessive daytime sleepiness or not using Cpap or other treatment regularly), or sleep apnea that has not been followed up to see if it is controlled, the rate for life insurance can be substantially higher or the policy can be declined.
To get the most affordable sleep apnea life insurance rates, get a follow up study done after being put on treatment, use Cpap or other treatment plans every day, and if you have high blood pressure as a result of your sleep apnea, get it under control with medication. Keep in mind that your sleep apnea life insurance rate will also be based on your weight and other health and risk factors.
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Central sleep apnea, uncontrolled sleep apnea, or very severe OSA may be declined by traditional policies, but can qualify for some simplified issued policies.
In the case of moderate to severe sleep apnea, uncontrolled sleep apnea (still having symptoms of excessive daytime sleepiness or not using Cpap or other treatment regularly), or sleep apnea that has not been followed up to see if it is controlled, the rate for life insurance can be substantially higher or the policy can be declined.
To get the most affordable sleep apnea life insurance rates, get a follow up study done after being put on treatment, use Cpap or other treatment plans every day, and if you have high blood pressure as a result of your sleep apnea, get it under control with medication. Keep in mind that your sleep apnea life insurance rate will also be based on your weight and other health and risk factors.