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Qualifying for Insurance with Sleep Apnea.

Typically, whenever you apply for a traditional term or whole life insurance policy, the first thing a life insurance company will want to know about is what pre-existing medical conditions you may or may not have been diagnosed with.  They will also definitely want to know if you’ve been diagnosed with sleep apnea.

But will this impact your life insurance eligibility?

That’s what we’re about to answer for you.  So if your currently looking to purchase a life insurance policy to protect the financial security of your family, and you’ve been diagnosed with sleep apnea, keep on reading, this article was written specifically for you!


Before we dive right in, we feel that it’s important to first describe exactly what “Sleep Apnea” is and explain why insurance companies are going to be interested in the fact that you’ve been diagnosed with it!

So, what is Sleep Apnea?

Have you ever woken up in the middle of the night because you can’t breathe? Or has someone told you that you snore in your sleep? These are usually signs of some level of sleep apnea.

Why does sleep apnea occur?
There are two reasons why sleep apnea can occur, or more rightfully said, there are two types of sleep apnea.

Obstructive Sleep Apnea (OSA): This is the first type of sleep apnea. When something blocks your airway, it is called OSA.

Central Sleep Apnea (CSA): When there is no obstruction in the airway, the cause of disruption to your breathing in sleep is due to a lack of communication between the brain and the muscles. The result is hindering to your breathing.

Is sleep apnea curable?

Yes! For many people, sleep apnea is actually caused by another ailment like high blood pressure. In these cases, if you cure the root problem, sleep apnea is cured as well. Some things that can help cure sleep apnea include:

  • Being at a healthy weight,
  • Stop using sleeping pills,
  • Don’t drink too much alcohol,
  • Stop smoking (this is good for your overall health – and will lower your life insurance costs!)

Some people with sleep apnea will need to have a treatment specifically for sleep apnea. Some treatments include:

  • Surgery,
  • Sleeping devices.

Getting Life Insurance with Sleep Apnea

So, will someone with sleep apnea qualify for life insurance? The answer depends on the circumstances.

If you had sleep apnea in the past.

Yes! You can qualify for a traditional term or whole life insurance! Of course, life insurance companies will still investigate all your other health issues – if anything more serious shows up, then you could still be denied a policy. But, will sleep apnea in the past disqualify you? No, not at all.

You may even be able to qualify for a no medical exam term or whole life insurance policy!

Possible Rates: Depending on the cause of your sleep apnea, you can get a very good rate. Some people who had sleep apnea with no serious health issue as the cause can even get a preferred rate for a life insurance policy. However, your rate can fall as low as a Table C, depending on your exact circumstances.

If you still suffer from sleep apnea.

Yes, you can still qualify for a traditional term or whole life insurance, but it is definitely a little trickier. You also run the risk of being denied a policy if your health doesn’t seem to be good enough.

Possible Rates: If you still have sleep apnea, your life insurance rate isn’t likely to be better than a Table A.

Your Health Matters!

The cost of your life insurance policy can vary drastically. It all really comes down to an assessment of your health. If you are in shape, have normal blood pressure, and your blood work looks normal, then you’re likely to get a better rate. But for every sign of deteriorating health, you’re likely to increase the cost of your life insurance.

Your lifestyle also counts.

Your lifestyle habits will impact your rate too. Do you still smoke? You are going to be paying more for a life insurance. Other things matter too. Things like your career, hobbies, and so on will be taken into consideration.

Qualifying for an Affordable Life Insurance Policy.

When you look for life insurance with sleep apnea, your rate can also be impacted by the life insurance company you choose. Every life insurance company views sleep apnea and all that comes with it (past and present) slightly differently.  As a person not working in the life insurance industry, it’s pretty difficult to find the right life insurance company – the one that will offer you the best life insurance coverage at the cheapest rate. You know the analogy needle in a haystack? If you don’t have knowledge about the life insurance industry, it’s going to be pretty similar.

Find the right Insurance Company!

Get professional help from InsuranceBrokersUSA and find the best life insurance for you! Even if you get denied a term or whole life insurance policy, we can help you find the a great guaranteed issue life insurance policy as well!

Do you want to know more about getting life insurance with sleep apnea? Give us a call today and we’ll do our very best to help you out!

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