Buy Life Insurance with Sleep Apnea

If you have sleep apnea and want to buy life insurance, this process may be more difficult because your condition is classified as a public health epidemic with potentially life-threatening complications.

Local Life Agents has a thorough command of the facts concerning this condition, which is critically important for someone who has sleep apnea and seeks to purchase life insurance.

According to the Centers for Disease Control and Prevention (CDC),
sleep apnea is part of a broader phenomenon known as “sleep insufficiency,” which increases the likelihood of developing high blood pressure, depression, diabetes, cancer and obesity.

While numbers vary, 50-70 million American adults have some kind of sleep disorder.

If you have a sleep disorder or suffer from sleep apnea – and want to get life insurance – then you need an expert, to guide you through this otherwise confusing and easily misleading process.

What Is Sleep Apnea?

According to the Mayo Clinic, there are two forms of sleep apnea: Obstructive sleep apnea, which happens when throat muscles become less tense, and Central sleep apnea, which happens because your brain does not send the right signals to the muscles that control your breathing.

Both disorders are serious, often characterized by loud snoring and a feeling of frequent tiredness.

For someone who wants to get life insurance, and has obstructive sleep apnea or central sleep apnea, it is crucial to receive treatment because of the risk of developing heart disease or suffering a heart attack.

Sleep Apnea Underwriting

Thankfully, the life insurance underwriting guidelines involving sleep apnea continue to change for the better, making it less difficult for an applicant to receive coverage.

The following information will influence the outcome of the underwriting process for someone with sleep apnea who wants to get life insurance:

  • The applicant’s age at the time of diagnosis.
  • What kind of treatment an applicant has had for sleep apnea, including weight loss, surgery, use of a CPAP machine or medical observation.
  • The type of sleep apnea an applicant has.
  • An applicant’s height and weight.
  • If the applicant has had surgery because of sleep apnea.
  • If an applicant has any other illnesses.


Possible Outcome

Best case: Preferred possible but not likely

Typical case: Standard rates up to a Table 3 rating

Worst case: Decline for severe sleep apnea

Get a Quote

By clicking on and filling out the enclosed questionnaire Local Life Agents can immediately shop among more 40 insurance carriers, to see if you qualify for coverage. We can then can offer you permanent life insurance or term life insurance.

Local Life Agents has an earned reputation for excellence, with regard to aiding people with sleep apnea who want to get life insurance.

We update you throughout this process, and are always available to answer any questions you may have, because it typically takes at least six weeks (or more) before a life insurance company finishes its review and underwriting of your application.

During that time, you will take a free medical exam with a paramedical representative. The exam allows a life insurance company to analyze your overall health and your medication history.


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