We know it can be frustrating searching for a life insurance policy with a history of Sleep Apnea.
We can help! Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Sleep Apnea? And if so…
2. How much will it cost?
Yes, most individuals with Sleep Apnea will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – If the cause of Sleep Apnea was identified early, followed by successful treatment and symptoms eliminated, most cases have a “Standard” rating. If, however, symptoms of sleep disturbances and apnea are simply minimized and controlled a “Mild Substandard” rating may apply. Click here for quote at “Standard” or “Mild Substandard.
Moderate Case – Sleep Apnea that had been treated medically or surgically, but still present obvious symptoms of breathing pauses or sleep disturbances may be considered a “Medium Substandard” case. These cases may be associated with complications that range from a heart condition, like coronary heart disease or myocardial infarction. Click here for quote at “Medium Substandard.
Severe Case – A severe case of Sleep Apnea is one with obvious complications to the heart or brain function will most likely be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
1. Was your Sleep Apnea diagnosed as a child or as an adult?
Sleep Apnea that had been diagnosed as a child may be likely due to an obstruction and should have been treated and controlled in adulthood. If this is the case and Sleep Apnea has been resolved it may get the best case scenario and be rated at “Standard.” If it persists in adulthood or has just been diagnosed the best rating that it may get is a “Mild Substandard” rating.
2. Have you experienced any symptoms within the last six months?
Recent symptoms of sleep disturbances or poor brain functioning due to Sleep Apnea may be considered flare signs. The best rating it may get is a “Medium Substandard” rating. If, however, complications like heart conditions such as myocardial infarction or coronary disease is the cause of sleep apnea it will automatically be a decline from insurance companies.
3. Do you have regular visits with your physician?
Visits to your physician for regular assessment mean that your condition is monitored and has a good chance of control and may get a “Mild Substandard” rating.
4. Do you have relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests are the best way to prove that your Sleep Apnea is controlled. Diagnostic tests may include an overnight sleep test, relevant heart examinations to prove that the heart has no complications or laboratory tests to show Oxygen saturation level in the body. These tests may also confirm your compliance with your physician’s management.
5. Have you undergone and surgical procedure to correct your Sleep Apnea?
Surgical removal of the cause of obstruction for Obstructive Sleep Apnea is a good way to manage the condition and may get a “Standard” of “Mild Substandard” rating, provided there is clearance from any other complications to the heart or brain.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Sleep Apnea
Sleep Apnea is a sleep condition characterized by low breathing or absence of breathing for short periods of time during sleep. The breathing pause can last from 5 seconds to a few minutes.
The three forms of Sleep Apnea include central sleep apnea (CSA), obstructive sleep apnea (OSA) and mixed sleep apnea (MSA).
Whatever the cause of Sleep Apnea, these are the following common symptoms: excessive sleepiness during the day, fatigue, poor memory and mental functions, and behavior manifestations or mood swings.
Related Keywords: sleep apnea, apnea, sleep disorders, hypopnea, snoring, CSA, OSA