How To Obtain Life Insurance With Sleep Apnea


More and more people are being diagnosed with Sleep Apnea. Once diagnosed, finding a low price insurance policy can be difficult.

Sleep Apnea is defined on the WebMD website as “a serious sleep disorder that occurs when a person’s breathing is interrupted during sleep. People with untreated sleep apnea stop breathing repeatedly during their sleep, sometimes hundreds of times. This means the brain — and the rest of the body — may not get enough oxygen.”

There are two types of sleep apnea:

1. Obstructive sleep apnea (OSA): The more common of the two forms of apnea, it is caused by a blockage of the airway, usually when the soft tissue in the back of the throat collapses during sleep.

2. Central sleep apnea: Unlike OSA, the airway is not blocked but the brain fails to signal the muscles to breathe due to instability in the respiratory control center.

The diagnosis of Sleep Apnea has a negative effect on the person who is applying for life insurance because of the many potentially caused medical situations. These medical situations can include- metabolic disorders such as diabetes and cardiovascular problems such as heart attacks and strokes.

The person with sleep apnea may apply for term, universal or whole life insurance and the results will be the same. The insurance company will likely charge a higher premium even if the applicant is young and otherwise in good condition in anticipation of these medical problems occurring later in life.

With sleep apnea it is important to maintain your overall medical health in terms of keeping your weight, cholesterol, blood pressure and blood sugar low. If you have had a sleep study, make sure to have the results

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