It can be worthwhile to look into life insurance if you have sleep apnea. Since breathing can halt for lengthy periods of time during the night, sleep apnea patients are more likely to experience a heart attack or stroke.

If you’re unsure of the amount of protection you require, see a broker to determine what would suit your needs in terms of lifestyle and budget.

Does Sleep Apnea Affect Life Insurance Rates

Does Sleep Apnea Impact Life Insurance If I Have It?

It’s crucial to be precise when choosing the correct carrier, regardless of what you refer to it as—life insurance with sleep apnea, sleep apnea life insurance, or CPAP life insurance.

Many people experience sleep apnea, a common sleep problem, but they may not even be aware of it.

Sleep apnea has the drawback of posing some serious health risks, which could worry life insurance providers.

By using a CPAP, you can reduce these risks and manage your sleep apnea.

Above all, when it comes to applications for life insurance, insurance companies take sleeping apnea seriously.

Life Insurance For Those With Sleep Apnea

Obstructive sleep apnea may also cause a carrier to hesitate before providing coverage. And generally speaking, if the policy is authorised, the premiums can be more than they actually are for a person in otherwise good health.

Some life insurance companies charge higher premiums and reduce the total amount of coverage they will provide to someone who has been diagnosed with sleep apnea. To a far lesser extent than what you’re looking for, they can reduce the death benefit.

How Do I Get Term Life Insurance With Sleep Apnea?

When deciding whether or not to approve them for term life insurance with sleep apnea, life insurance companies will consider a few factors.

They’ll first want to know if you use your CPAP on a regular basis. To determine how dangerous your sleep apnea is, they’ll want to look through your sleep study.

When sleep apnea is identified, getting a decent rate depends on:

  • how recently did you get a diagnosis?
  • Which type of sleep apnea is being treated—CPAP, surgery, or medications—is obstructive, central, or complex/mixed?
  • Any pre-existing diseases, such as obesity, a stroke, depression, heart issues, Type 1 or Type 2 diabetes, and hypertension,
  • Has the condition of your sleep apnea improved, stayed the same,
  • The quantity of alcohol consumed
  • Do you regard your medical care seriously? Use of CPAP is important because prevention is the key. If you don’t utilise your CPAP as prescribed, they will rate you differently.

Insurance companies will view your use of the CPAP as inconsistent and will not cover you. In order to receive the best rate for which you are eligible, you must become compliant with your therapy.

Rating categories for people with sleep apnea (Rule of Thumb)

  • Possible Mild – Standard Plus
  • Medium to Standard
  • Untreated moderate – Table 2
  • Table 2 Severe, non-compliant – Moderately Severe, CPAP nightly – Decrease

Best Life Insurance For Sleep Apnea

Above all, it need not be difficult to obtain life insurance if you have sleep apnea. In reality, if you speak with the appropriate agent, it might go smoothly.

By speaking with an independent life agent like us at PinnacleQuote, we can connect you with the best carriers who focus on treating sleep apnea.

In general, the carrier may require a sleep apnea questionnaire for life insurance, depending on the severity of the condition. This will facilitate the procedure.

How Can I Get Affordable Life Insurance Rates With Sleep Apnea?

Getting estimates from multiple different life insurance providers is one of the best ways to find more affordable life insurance. You can compare prices in this manner and are more likely to receive a quote for affordable life insurance.

If your application for a life insurance policy has been rejected because of your sleep apnea, you most likely aren’t working with the correct company and agent. Contact PinnacleQuote, and we’ll help you choose the insurance provider who best suits your needs.

Keep in mind that each company has a unique medical underwriting policy. Also, this implies that there are differences between companies in the risk level linked with different medical disorders.

One insurance company may consider a person with sleep apnea a high-risk applicant, while another insurance company may charge the same applicant a regular life insurance rate.

Making sure you only work with the top insurance providers, like American General/AIG, is important. These businesses will offer better customer service and be more dependable. You can refer to A.M. Best’s ratings as a resource.

The entire life insurance business could be interested to know whether you have sleep apnea and are looking for treatment.

Also, they are going to be curious about how frequently you use those method options. As long as you follow the recommended course of treatment, a serious ailment can result in high rates that range from normal to poor.

Sleep Apnea and other Health Impairments and Risks

Of course, life insurance providers will be interested in more than just your sleep apnea. If you engage in regular exercise, adopt a healthy diet, take steps to decrease your blood pressure, and give up smoking before applying, you may be able to receive life insurance at a lesser cost.

Maintain normal cholesterol levels while receiving treatment. Your life insurance prices will be greatly impacted by improving your general health before the medical exam.

You could also get ready for the sleep apnea questionnaire. If your answers are truthful and comprehensive, life insurance companies are more likely to accept your application and provide you with a low-cost coverage.

But, they will raise concerns if the responses don’t appropriately address the queries.

Consider the following inquiries when requesting life insurance for sleep apnea:

  • Has your sleep apnea remained consistent, or has it changed, become worse, or improved?
  • When was your sleep apnea diagnosed?
  • Has an obstructive diagnosis been made for your sleep apnea?
  • What sort of treatments have you tried for your sleep apnea?
  • Have you undergone a sleep study?
  • What is the sleep apnea index of you?
  • What drugs are you taking?

How Does Sleep Apnea Affect My Insurance Rates?

In general, having sleep apnea will probably make your life insurance more expensive. But it doesn’t mean you can’t still get affordable term life insurance if you have sleep apnea.

The majority of the time, life insurance companies won’t have any issues insuring you if you can demonstrate that you are complying with controlled sleep apnea.

In fact, those who have obstructive sleep apnea may qualify for favoured plus rates! You merely need to compare insurance providers to identify the ones that are most understanding towards people with sleep apnea.

Term life insurance policies are less expensive than whole life insurance policies, so keep that in mind if cost is a concern. We often advise a 30-year term life insurance policy for people searching for life insurance in their 40s.

No Exam Term Life Insurance and Sleep Apnea

A no medical exam life insurance policy is always a possibility for anyone having trouble getting accepted by a life insurance provider because of health difficulties. But, be aware that these plans will cost extra money.

You might want to think about working with an impartial insurance agent. As an agent will put you in touch with the best carriers and increase your chances of finding a cheap insurance, this is typically a wise investment.

While determining the life insurance rate for people with sleep apnea, life insurance providers look for certain things.

Things Life Insurance Carriers Look For When Determining The Life Insurance Rate With Sleep Apnea

They will also ask you some questions about your sleep apnea and yourself. These inquiries will comprise:

  • Dimensions and weight
  • the diagnosis’s age
  • Therapy for Sleep Apnea
  • additional underlying medical issues, such as diabetes
  • Blood Pressure: Treated or Untreated
  • Smoking customs
  • Anxiety or depression
  • Is the state of your sleep apnea growing better or worse?

Each of these factors can affect whether you receive better rates or are placed in a higher risk group. Your Apnea Index, for instance, will normally assign it the following score:

  • The best rate will be achieved with an apnea indication of 0–10.
  • Your insurance rates go up by 11–20.
  • An apnea index of 21 to 30 almost doubles your premiums.
  • Your insurance premiums will virtually triple from 31 to 40.
  • Anything beyond 40 is probably going to be rejected

Treatments For Sleep Apnea

Learn about the most popular alternatives to CPAP therapy because some individuals dislike or have problems using them.

For those who find it difficult to breathe out due to CPAP anxiety, there are alternatives to CPAP. Fortunately, there are several of options available. The CPAP equipment and masks have improved steadily during the past 15 to 20 years in terms of usability.

The machines are typically smoother, more portable, and smaller. They also enable data collection for patient adherence and C-pap effectiveness.

However, if you find that you cannot tolerate your CPAP after applying the knowledge from the page about C-pap Side Effects, you might want to explore the alternatives to CPAP.

  • Special Dental Apparatus for Obstructive Apnea: By modifying how the mandible, tongue, and other oral-pharyngeal structures function, a sleep apnea dental device can stop upper airway obstruction and snoring. Moreover, an oral device stops the tongue from blocking the airways.
  • Mandibular Advancement Device: All of these oral appliances, known as mandibular advancement devices, are inserted into the maxillary and mandibular dentition and work by altering the position of the mandible, or the lower jaw. The lower jaw is pushed forward by the dental equipment. The tongue, which is joined to the lower jaw, is also moved as a result of this. The oral machine maintains airways open and stops the occurrence of snoring and apnea events by massaging the lower jaw and tongue.
  • Tongue Retaining Devices: This tool secures the tongue with negative pressure at a soft plastic bulb that comes into direct touch with the tongue’s bottom. In order to prevent the rear section of the tongue from separating, other types of TRD use a suction cup that is attached to the front part of the tongue and pulls the tongue forward.

BiPap and C-Flex Treatments

  • C-Flex and BiPap Therapies-Another option to CPAP machines, bi-level PAP machines are more effective than CPAP and are commonly referred to by the trademarked name Bi-PAP. BiPAP machines offer two pressure ranges, one for inhalation and a lower one for expiration. For patients who have problems exhaling against a constant incoming pressure, like CPAP, the pressure drop during exhalation is intended to increase relaxation.
  • Weight loss: Adopting good dietary changes and increasing your daily aerobic exercise can assist rehydrate those fat cells and enhance the general tone of your upper airway muscles. Less pronounced anti-snoring patterns may result from this.
  • C Flex: For people with moderate OSA, simply enabling the C-FLEX option may be sufficient to increase the level of incoming pressure comfort. C-Flex is a setting for reducing anxiety that lowers the exhale pressure in a similar way as Bi-PAP, but at a much lower level.

Medical Procedures For Sleep Apnea

There are surgical and non-surgical implant treatments that could aid in preventing the collapse of the while the patient is still asleep.

Following are some steps:

  • Particle Process
  • Somnoplasty
  • implants and outpatient treatments
  • a nasal operation
  • Tracheostomy\sAdenoidectomy
  • Neurostimulation of the upper airways

The Right Life Insurance Agent Makes All The Difference

Sleep apnea is taken very seriously by life insurance companies. In the end, it results in death. As a result, you should consult closely with a licenced insurance broker or independent agent when you decide to get life insurance.

The independent agent will have the knowledge to find plans for those with the condition and will identify the insurers who have a highly favourable opinion of applicants who have been given a sleep apnea diagnosis.

If your health is compromised, you should also make an effort to get life insurance on your own.

Captive carriers may ultimately invest a lot of time and give the incorrect advice. Only a qualified life insurance agent should be able to help you locate the best option for you.

Life Insurance and Sleep Apnea Video

Where can I get the Best Quote for Life Insurance?

PinnacleQuote is here to assist, first of all.

Second, contact one of our agents, who will be able to address all of your inquiries.

Finally, we can assist in connecting you with the top life insurance providers and locating the most affordable coverage for you. Last but not least, working with us will enable you to save a substantial amount of time, effort, and money.

PinnacleQuote Life Insurance Specialists, National Independent Agent

Above all, you should ensure that you choose an independent agency over a captive representative while looking for a life insurance coverage.

In reality, 49 states have granted PinnacleQuote a licence as a nationwide independent life insurance agent. has connections with dozens of carriers at the same time. In any case, if you’re seeking for a straightforward procedure, let PinnacleQuote lead the way.

As a result, thanks to the connections we’ve built over the years, we can offer you the greatest life insurance rates in the business.

Finally, PinnacleQuote will offer you the greatest service to safeguard your family because of its 25 years of experience in the investment and life insurance sectors.

Please feel free to get in touch with us at PinnacleQuote (855) 380-3300 if you have any queries.


Finding a provider that is accurate in their coverage and price is crucial whether you’re talking about life insurance for sleep apnea, CPAP use, or even just plain ‘ol life insurance with Sleep Apnea Disorder (SAD). We’ve put up this list to help you start your search in the proper direction and acquire estimates from carriers who are familiar with SAD. So why are you still waiting? Get a price!