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Life insurance with Sleep Disorders

Licensed Life Insurance Agent/Marketing Manager
April 01, 2020

Sleep disorders are very common in the United States, with over 50 million Americans suffering from at least one sleeping disorder.1

Sleep disorders are so common today that you might think they don't affect your life insurance. However, depending on the severity of the situation it could affect how much you pay for a life insurance policy.

This article will touch on the following questions:

  1. Can I get life insurance if I have a sleeping disorder?
  2. What will life insurance cost me if I have a sleeping disorder?
  3. What is the process of applying for life insurance if I have a sleeping disorder?

Can I get life insurance with a sleep disorder?

Yes, you can still get life insurance if you suffer from a sleeping disorder. 

The main concern for the life insurance companies is if the disorder affects your normal daily activities, which in turn would make you a higher risk. The more the disorder detracts from your quality of life, the more risk you pose to the life insurance provider, which cause you to have a higher rate for your policy. 

The insurance company may also ask you additional questions about your sleeping disorder such as when you were diagnosed and what medications you are currently taking. They will use these questions to learn more about you and how the sleeping disorder affects your life. 

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How much does life insurance cost with a sleeping disorder?

In order to determine how much your life insurance policy will cost the life insurance company will look at things such as age, health, gender, and lifestyle among other things.

As mentioned previously they will also take the severity of your sleeping disorder into account. Typically, someone who is dealing with a sleep disorder who can show control of the disorder without it affecting their qualify of life can still qualify for the cheapest rates available.

However, it is important to note that each life insurance company evaluates things differently and even if your sleeping disorder impacts other areas of your life it doesn't mean it is impossible to qualify for the cheapest rates.

Your cost will also be impacted by the type of life insurance policy you choose and the amount of coverage you are looking for. The higher the amount of coverage you need, the more expensive your policy will be.

Term life insurance is the cheapest type of policy, however, it is only active for a certain period of time, which may not fit your needs.

What is the process for applying for life insurance?

You have a few different options when it comes to the full process for applying. Regardless you will still complete an application, however, the route you chose can determine if you have a life insurance medical exam, a health questionnaire, or neither. 

The more traditional life insurance policy comes with something known as full underwriting. When your application is fully underwritten you go through a more in-depth process. The life insurance policy requires a life insurance health exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. The life insurance company will request physician statements and look into your medical records. They will also do a prescription database check to see what medications you are currently taking and have taken in the past. The insurance company will use this information and your application to determine your eligibility and cost for a life insurance policy. 

No exam life insurance might be an option depending on the severity of your sleep disorder. This option allows you to skip out on the medical exam, though you will need to fill out a health questionnaire. The questionnaire and application will be used to determine your eligibility and cost for life insurance. Generally, the no exam option isn't much more expensive and might be worth it depending on your situation. 

A guaranteed issue policy is quick and easy. It is guaranteed issue so everyone within the required age bracket will qualify for this coverage. Typically, the amount you can qualify for will be from $5,000-$30,000 depending on the life insurance company. It is important to note the coverage amounts as they are much lower than with a traditional or no exam policy. 

Whichever route you go with, your life insurance agent will help guide you through the process. If you don't have a life insurance agent, feel free to give us a call.


1. Sleephealth, "The State of Sleephealth in America"

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past seven years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.