Yes it can. Depending on the severity and any other health issues involved you would probably be paying a higher rate than standard with most companies. The best thing to do is sit down with a good independent life insurance agent and have him do a pre-screen to see where you can get the best rates.
The things that can affect your ability to get a medically underwritten life insurance policy with sleep apnea are as follows. Keep in mind that there are still simplified issue policies available for most people with the following sleep apnea problems.
1) Severe obstructive sleep apnea that cannot be well controlled
2) Central sleep apnea with complications
3) Not using treatment (Cpap, Bipap, etc) faithfully
4) Not having a follow up sleep apnea test after being diagnosed
5) Having symptoms that cannot be resolved (daytime sleepiness, etc)
For mild sleep apnea with successful and regular treatment, or corrected by surgery, Preferred rates are available.
Yes, sleep apnea will effect your life insurance rates and can possibly cause you to be declined for underwritten life insurance. The apnea doesn't scare underwriters as bad as the risk of having sleep apnea. The lack of REM sleep needed to rest and recharge the body causes many problems such as high blood pressure, cardiac issues, breathing issues and a elevated risk of accidents due to dosing or lack of attention due to lack of REM sleep.
.JPG){kind=avatar}
1) Severe obstructive sleep apnea that cannot be well controlled
2) Central sleep apnea with complications
3) Not using treatment (Cpap, Bipap, etc) faithfully
4) Not having a follow up sleep apnea test after being diagnosed
5) Having symptoms that cannot be resolved (daytime sleepiness, etc)
For mild sleep apnea with successful and regular treatment, or corrected by surgery, Preferred rates are available.