The article explains to the reader how sleep apnea affects the cost of life insurance and suggests a remedy. Make sure you have adequate insurance in case of a situation like this. You will learn more about your own needs and the needs of those closest to you after reading this blog post.

Don’t worry if you think it’s too late for you. If any symptoms, such sleep apnea or snoring, are present, the article also offers advice on how to locate affordable life insurance.

Over 12 million People have sleep apnea, so it’s critical that we discuss how to care for ourselves and our loved ones both now and in the future since we never know what the future may hold.

Can I Get Life Insurance If I Have Sleep Apnea

You can, indeed!

It’s crucial to know which companies specialise in sleep apnea pre-existing condition life insurance and who they are before buying.

You can end up spending far more than you should if you choose the incorrect agent. A captive or inexperienced agent may also result in you having a denied policy on your record.

Every time you apply for health and/or life insurance, having a denied policy will put you behind the eight ball. In actuality, the outcomes of each application are uploaded into a MIB database.

Will Sleep Apnea Affect My Life Insurance

What a wonderful question! The reply is that it might!

The outcome of a sleep study, also known as polysomnography in medicine, is what leads to the diagnosis of sleep apnea.

For instance, this test will document your blood’s oxygen levels as well as how your brain responds. This examination will also keep a watch on your respiration, leg, and eye movements, as well as your heart rate.

Your sleep apnea status—mild, moderate, or severe—will be determined by the results of this test. The best life insurance for sleep apnea will be determined by this.

Finally, you present these findings to the PinnacleQuote independent national agent. After that, we will pair you with the appropriate carrier.

Sleep Apnea Insurance Issues, The Battle For Affordable Life Insurance

Sleep apnea may result in higher life insurance premiums.

Above all, anyone who wants to safeguard their family must get life insurance. To prevent them from inheriting your debts or funeral costs in the sad event that something were to happen to you, you need to be sure that coverage is accessible. It is possible to find affordable life insurance.

Most individuals are already aware of this. Yet, getting insurance might be challenging for certain people. We’ll talk about insurance firms and how they determine ratings as we go along.

Speaking with your independent life insurance agent makes the process of buying life insurance simple.

He or she will be able to respond to all of your inquiries because they are familiar with what insurance firms will consider while underwriting.

I Have Sleep Apnea, What Is It

Let’s first discuss the condition before discussing life insurance possibilities for people with apnea.

Almost 18 million Americans alone suffer from this terrible sleeping issue, whether it be moderate or severe.

That’s a sizable portion of the populace.

Best Life Insurance Rates For Those With Sleep Apnea

Individuals who have apnea periodically stop breathing while they are asleep. As a result, blood levels of carbon dioxide rise.

After this occurs, a receptor prompts the brain to awaken, which restarts breathing. Typically, this cycle goes on all night long.

Many people are unaware that they possess it. Untreated, it can, however, lead to a number of serious complications, including high blood pressure, heart troubles, etc. Also, those who are sleep deprived already have difficulty sleeping through the night.


Your exhausted spouse being awake all night due to your snoring could be a simple way to determine if you have sleep apnea. That is not the only effect of the disorder, though.

In the blood, carbon dioxide builds up when breathing ceases. The mind is then signalled to wake up the sleeping person and breathe via a receptor from the blood flow.

Resuming breathing will raise the oxygen levels and induce sleep in the person. Rarely does the person realise they were having breathing difficulties.

If the condition is modest, do you think it needs treatment?

If untreated, can lead to hypertension, obesity, heart issues, kidney illness, fatigue, and an increased risk of car accidents.

Because of these likely occurrences, applicants who have it are given a closer scrutiny by the life insurance industry.


What is a sleep study considered for insurance is a common question from clients. Which risk factor is it? Underwriters look for two key criteria while examining a candidate’s sleep study evaluation:

  1. Apnea/Hypopnea Index, or AHI
  2. Oxygen Saturation

The balance of oxygen in the blood is known as the oxygen equilibrium. The normal range for blood sugar is between 95 and 100 percent.

Even if your doctor may say that your condition is “moderate,” this assessment is arbitrary, which is why underwriters will look at the results of the sleep research studies.

Many persons with this disease qualify for affordable life insurance. PinnacleQuote can help by assessing your condition and connecting you with the appropriate life insurance companies.

In the event of your passing, this will guarantee financial security for your loved ones.

Having limited time also makes it possible to get term life insurance quotes right away without worrying about a barrage of calls and emails. To view quotations, you do not need to enter your personal contact information.

Only now take the first step towards financial security.



The diagnosis point for a sleeping problem will greatly influence the sleep apnea rating you receive. Some life insurance firms will essentially ignore this and not rate you if you have a moderate diagnosis.

The life insurance provider will need to know your saturation and AHI, though, if you are found to have moderate sleep apnea.

When examining the rating for life insurance, keep in mind the following general principle.

  • Possible Mild – Standard Plus
  • Medium to Standard
  • Untreated moderate – Table 2
  • CPAP every night, Moderately Severe, Standard, Table 2
  • Significant, noncompliant – Decrease


The insurer has three options when a person has a previous condition:

  • To pay the recipient of full benefits instantaneously yet more quickly;
  • To withhold coverage completely, or to impose a rider or other policy limit on the requirement for a specific time period (of course, subject to the security provided by laws like the Medical Insurance Portability and Accountability Act of 1996 or HIPAA).
  • When your sleep apnea is properly treated and managed, it could not be taken into account when calculating your premium. (Before creating the initial application, talk with the insurance representative about certain potential issues.)


How will I find out?

Many people go undiagnosed, as was already indicated. This is because it happens while you’re asleep, making it challenging to detect. Yet, there are other widespread forms of sleep apnea symptoms, including snoring, exhaustion, sluggishness, moodiness, and eyesight problems.

Along with being aware of these signs, keeping track of your sleep can aid in diagnosis. During the physical examination, the doctor can establish if there is anything that might be preventing you from breathing normally while you sleep.

How are sleep apnea and heart attack related

Any breathing restriction can increase the risk of heart attacks, stroke, or even A-Fib (atrial fibrillation.) Because of the erratic heartbeat, frequent episodes of low blood oxygen might result in rapid death.

How is sleep apnea treated

What are the options for treating sleep apnea? The first thing you should do if you think you might have this problem is to visit your doctor. Inform the doctor of your sleeping habits.

What your level of weariness is, as well as any additional symptoms you might have. If your partner observes you choking, gasping for air, or ceasing to breathe while you’re sleeping, talk to them.

A current list of medications, including over-the-counter medicines, should be taken.

In addition to the illnesses mentioned above, there are several forms of sleep disorders that we will be examining throughout this article. Excess weight and conditions related to the soft palate may also cause a soft tissue blockage in the neck.

Which Sleep Apnea Diagnosis Do I Have

are regarded as a danger factor as well.

As soon as you discover symptoms, consult your doctor about how to manage sleep disorders.

A sleep evaluation is the best approach to diagnose your problems and may necessitate an overnight stay in a rehab facility. This examination is also employed in the diagnosis and quantification of sleep apnea.

The first night spent in the sleep study facility is typically when the treatment begins.

A device that delivers constant positive airway pressure is the preferred treatment for obstructive apnea (CPAP). CPAP is actually a mask that fits over the nose or mouth and uses a gentle airflow to assist keep the airway open while you sleep. This medical approach is quite successful. It’s crucial to use the CPAP as directed by your doctor.


  • Other treatments for this problem include:
  • Dental devices that penetrate the lower jaw and tongue,
  • upper airway surgery to remove tooth tissue,
  • rectal expiratory positive airway pressure (where an Amino valve covers the uterus)
  • therapy using hypoglossal nerve stimulation—in which a stimulator is implanted into the patient’s torso with leads connected to the hypoglossal nerve that regulates tongue movement and to a breathing sensor—are all examples of treatments. The detector tracks sleep-related breathing patterns and awakens the hypoglossal nerve, which causes the tongue to move to keep the airway open.

Making modifications to your way of life can effectively reduce your symptoms. similar to shedding pounds if you are overweight.

Also, lowering weight will likely lower your cholesterol and blood pressure, which can help avoid heart disease.


After covering the fundamentals, let’s discuss how to acquire sleep apnea patients affordable life insurance. You must be honest about your medical history and submit to a medical checkup to qualify for the most economical life insurance.

Yet, if you are experiencing problems being covered, no medical exam life insurance policies are always a possibility.

However, life insurance companies frequently view people who have sleep apnea as high-risk candidates, which results in increased premiums.

This is due to the fact that it is linked to various potentially fatal health conditions.

This isn’t always the case, though; just because you have this bothersome illness doesn’t imply you won’t be able to get reasonably priced life insurance. A sleep apnea diagnosis and looking for life insurance may differ by age, too.


Some might counter that you might not actually pass away from apnea while you sleep. When the body senses that it is not receiving enough oxygen when sleeping, it causes a wakeup.

The respiratory passageways open at this point, and breathing continues. This device ensures that you won’t suffocate while you’re sleeping.

Semantics cannot change the fact that those who have it have increased mortality risks, as demonstrated by clinical evidence.

In addition to interfering with lymphatic and circulatory function, sleep apnea disturbs the adrenal glands, causes an imbalance in brain and body chemistry, raises blood pressure, and speeds up the heart rate, similar to atrial fibrillation.

Higher mortality rates will result from it if left untreated and allowed to continue.


People untreated:

  • Prone to having a heart attack
  • Have a stroke risk that is 2 to 3 times higher
  • More than three times as likely to die young

Also, according to Yale University research, people who have suffered apnea for up to 5 years are 30% more likely to die from a heart attack or have a stroke.

The risk of an assault or death increases with how sick the person is. In actuality, heart disease has been the cause of mortality in 42% of cases of severe sleep apnea.

A score of 20 or more respiratory episodes per hour on the apnea-hypopnea index (AHI) is considered to be intense in clinical settings.

In people with untreated acute sleep apnea compared to those without it, the risk of cardiac-related departure was five times higher.


In order to determine your degree of risk, life insurance companies frequently want to know how severe your sleep apnea is.

The good news is that there are several things you can do to lower your life insurance rates before you apply.

Overweight and life insurance rates are further contributing factors.

Insurance companies can be reassured that you have control over your condition by taking steps to address your apnea. Using a CPAP machine, decreasing weight, and other lifestyle modifications that your doctor may advise are included in this.

Life insurance providers will be more inclined to offer you reasonable coverage if you demonstrate that you are working to improve your condition.

Tips On How To Get Affordable Life Insurance

  • Boost General Health — A good diet and regular exercise can help a lot. Your rates will be lower the healthier you are physically when you apply for life insurance.
  • Leave Tobacco Goods Alone —Smokers typically pay two to three times as much for life insurance than nonsmokers do. You don’t want to give life insurance firms more justification to increase your rates if you already have it.
  • Employ A Free Insurance Agent — Long-term financial savings from hiring an agent can be enormous. An expert will put you in touch with the best life insurance providers, and they’ll know which ones have the friendliest medical underwriting policies for those with apnea. The first rule for people trying to purchase an affordable life insurance coverage is to compare rates.


Lack of oxygen when you sleep may make your asthma and chronic obstructive lung disease symptoms worse (COPD). You might find yourself out of breath or find it harder to exercise than usual.

  • hormone system

Your blood glucose level rises when your cells don’t absorb insulin as they should, which can lead to type 2 diabetes.

  • intestinal system

You are more likely to develop fatty liver disorder, liver issues, and higher-than-normal levels of liver enzymes if you have sleep apnea.

Apnea may make heartburn and other gastroesophageal reflux disorder (GERD) symptoms worse, which could cause your sleep to be significantly more disrupted.

  • cardiovascular and circulatory systems

Obesity and elevated blood pressure have been linked to sleep apnea, which puts an increased burden on heart disease.

Heart failure may be more common in those who have it.

Ask your independent life insurance agent about the best providers you have access to.


Let’s discuss some other factors to take into account when choosing a life insurance policy now that we’ve discussed how to obtain affordable life insurance with sleep apnea.

You must decide on the type of life insurance you desire (term life insurance vs. whole life insurance).

Calculate how much life insurance you’ll need to buy to offer the right level of protection. It can be challenging to get the best life insurance on your own, so feel free to get in touch with us at PinnacleQuote (855)380-3300.

Owner and representative of PinnacleQuote Life Insurance Experts, Danny Ray

Our headquarters are in Jacksonville, Florida. My name is Danny Ray, and I want to make sure you and your family get the best match possible.


It’s crucial to understand that not all companies have expertise in providing life insurance for those with sleep apnea. We can assist you in locating an affordable choice with coverage that is especially suited to your needs. We have a selection of quotes accessible. When you can find what you need right here, don’t waste time looking elsewhere. Get a quote from us to get going right now.