If sleep apnea is mild and controlled, it has little effect on life insurance rates with some companies. If it is severe and there are still symptoms of sleep apnea (daytime sleepiness, high blood pressure, etc), then life insurance with a medical underwritten policy may not be attainable. In that case there are simplified issue policies that would work.
Most sleep apnea cases fall somewhere in between. If a follow up sleep study has been done, use of Cpap or other treatment is consistent, and symptoms of sleep apnea are resolved, the person with sleep apnea can get traditional life insurance at moderate rates.
Sleep apnea can affect life insurance ratings on premiums. The severity of the sleep apnea can effect coverage from a standard issue to a decline for coverage. The underwriters are more concerned with the symptoms associated with the sleep apnea. If it is causing high blood pressure, insomnia, depression, etc. and not controlled most carriers would decline. If it is controlled surgically or with a Cpap machine the rating would be minimal.
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Most sleep apnea cases fall somewhere in between. If a follow up sleep study has been done, use of Cpap or other treatment is consistent, and symptoms of sleep apnea are resolved, the person with sleep apnea can get traditional life insurance at moderate rates.