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Life Insurance Rejected Due to Sleep Apnea

Were you recently rejected for life insurance because you have sleep apnea? There’sSleep Apnea Life Insurance a good chance that your agent did not know which company was best for you. This article will give you a little more insight on how life insurance companies view sleep apnea, and how you can get approved at decent rates.

Sleep Apnea and Life Insurance

Sleep apnea is one of those health conditions that vary greatly from one life insurance company to the next. Some life insurance companies will decline you automatically if you have sleep apnea, while other companies will give you as high as a standard rating, depending on other factors involved.

What Type of Sleep Apnea?

When you apply for life insurance, the company will want to know what type of apnea you have: obstructive, central, or mixed. They will also want to know if your sleep apnea is well controlled with a c-pap or other medication. Sleep apnea left untreated can lead to high blood pressure and cardiovascular problems, weight gain, impotency, and sleeplessness so life insurance companies want to make sure that your condition is being treated.  

Sleep Apnea Along With Other Health Issues

If you have other health issues such as diabetes, high blood pressure, or high cholesterol, then the underwriting requirements can get a little more complicated. It’s always best to speak with an experienced agent about which company is best for you. An experienced agent will take into account all of your health issues before recommending an appropriate company.

At best, if your sleep apnea is well controlled and shows as mild to moderate after testing, then you can get insured at very reasonable rates. Severe sleep apnea is usually still insurable, although the rates will be a bit higher. We know which ones have the most favorable rates for sleep apnea.  

Compare Rates for Life Insurance With Sleep Apnea

Get a free no obligation quote today and compare multiple quotes from the nation's highest rated carriers. Remember that all life insurance carriers have different rates, so it pays to compare.