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Life Insurance with Sleep Apnea: Qualify for the Best Rates

Researcher & Writer
September 12, 2013

The majority of our clients that have sleep apnea are surprised to hear that life insurance underwriters consider sleep apnea to be a somewhat serious condition. Most sleep apnea suffers applying for life insurance consider their condition to be nothing more than a minor nuisance. However, the sad truth is, if you have sleep apnea, most life insurance companies will offer you a standard rate class, at best.

The good news is, there are a handful of sleep apnea friendly best life insurance companies that offer a preferred plus rate class for sleep apnea sufferers. That means you can get the best life insurance rates by age, even with the disorder.

Life Insurance With Sleep Apnea

If you're looking for life insurance with sleep apnea then you need to read this. There are three important questions you need to ask when applying for life insurance with sleep apnea, which are:

  1. Can I get life insurance if I have sleep apnea?
  2. What rate class can I qualify for with sleep apnea?
  3. What is the process of qualifying for life insurance with sleep apnea?

Let’s begin with a brief overview

Sleep apnea is a condition where breathing starts and stops. The word apnea literally means "without breath". There are three types of sleep apnea: central, obstructive, and mixed.

Sleep apnea can cause or exacerbate certain medical conditions such as obesity, stroke, depression, heart issues, diabetes and hypertension. It is these additional medical conditions that would cause you to enter the high risk life insurance category. However, if you have sleep apnea, but do not suffer any additional side effects mentioned above, then you may qualify for the best rate class.

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Can I get life insurance with sleep apnea?

The quick answer is, YES, life insurance carriers will approve clients that have sleep apnea.

Ultimately, approval for life insurance with sleep apnea will depend on:

  • when you were diagnosed (life insurance carriers will want to review a sleep study),
  • what type of treatment you receive (CPAP, surgery, any medication),
  • what type of sleep apnea you have (obstructive, central, or complex/mixed),
  • any medical conditions such as obesity, stroke, depression, heart issues, diabetes and hypertension,
  • has your sleep apnea condition improved, remained the same, or degraded,
  • do you consume alcohol on a regular basis, and
  • are you following your treatment (often clients refuse to use a CPAP, which does not make life insurance carriers happy).
    • The key here is prevention. If you are supposed to use a CPAP but you only wear it "sometimes" that is not preventative as far as a insurance company is concerned. You need to be compliant with your treatment in order to have a chance at a rate class better than standard.

What rate class can I qualify for?

Life insurance companies have about 16 different rate classes. What rate class you qualify for will also determine your cost.

For those who are currently having a difficult time getting approved for life insurance, you should consider burial insurance from one of the best Final Expense Insurance companies.

Most well controlled clients will come back at a standard rate class.

However, if you take good care of yourself, use your CPAP (if prescribed), and have no other health issues, you have an opportunity with certain carriers to qualify for a preferred plus or preferred best rate class.

The main thing you need to be aware of is that life insurance underwriters reviewing sleep apnea cases want to know the applicant is following doctors orders. When you adhere to the program your doctor has set up for you it shows you are compliant. A client who is compliant is a good risk for a life insurance company. Therefore, it would serve you well to emphasize how compliant you are.

If you are curious what your price tag would be, simply enter your information and see what the price is for your age and gender based on the above rate class you believe you qualify for. However, keep in mind that some carriers are more lenient at underwriting sleep apnea clients than others. Therefore, to get the most accurate quote, a quick phone call or email to TermLife2Go would be the best way to go.

What is the process?

If you have made the decision that you want to pursue life insurance with sleep apnea then your best route to take would be to pursue a  fully underwritten life insurance policy. A fully underwritten policy requires a life insurance medical exam.

The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records.

The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk. Your assigned agent at TermLife2Go will then follow up with you and let you know of your approval.

The entire process is handled by us so you can just sit back and wait for the life insurance carrier to complete your file. Speaking of life insurance carriers, not all life insurance carriers are the same when it comes to underwriting clients with sleep apnea!

Go with the most sleep apnea friendly life insurance company

As with any industry, competition is constantly driving insurance carriers to compete with one another for your business.  As a result, carriers take on “niches” in an effort to earn market share. It is important to know these niches and it is important the agency you chose has the freedom to choose from multiple sleep apnea friendly life insurance carriers that have favorable underwriting towards your condition.

As a consumer, it is in your best interest to work with an agency, such as TermLife2Go, that is not bound to any one carrier and will be able to shop your application to dozens of different companies.  Only by doing this can you ensure that you are getting the best life insurance policy available for clients with sleep apnea tailored to your specific needs.

We also have the ability to shop your exam if the life insurance carrier we went with did not come back with a fair offer. That we we can shop the front end and the back end of the process to guarantee that you get the best company at underwriting sleep apnea at the best price.

For more on how we go the extra mile for our clients, please read TermLife2Go's 4 step process for getting approved for life insurance.

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.