Life Insurance With Sleep Apnea
Do You Ever Wake Up Gasping for Air?
It’s probably not because your spouse or partner is trying to suffocate you with their pillow because of your snoring!
Do you feel unusually tired during your morning drive to work or find yourself struggling to stay awake during that 2:00 p.m. meeting?
These can be common signs of sleep apnea, a condition in which breathing repeatedly stops and starts during sleep.
That sudden gasping sensation can occur when your brain signals your body to resume breathing after an apnea event. Sleep apnea is a serious condition, but when it is properly diagnosed and treated, it does not necessarily prevent you from obtaining life insurance.
In fact, some life insurance carriers may look favorably on applicants whose sleep apnea is well-controlled and properly treated. Factors such as the severity of the condition, treatment compliance, and overall health can all play a role in underwriting.
At Mutual Life Policy, we work with multiple life insurance carriers and can help you explore your options based on your individual health history.
The Keys to Getting the Best Life Insurance Rates
The key to finding the most competitive life insurance rates is providing a complete picture of your personal health profile. Important information may include:
1. Sleep studies — The original sleep study used to diagnose your sleep apnea, along with any follow-up studies.
2. Build and BMI — Your height, weight, and overall build may be considered during underwriting.
3. Diagnosis and treatment history — When you were diagnosed, the severity of your sleep apnea, and how long you have been using treatment.
Every life insurance carrier has different underwriting guidelines. By understanding your individual health history and matching you with carriers that may be a good fit, we can help you explore your coverage options.
Sleep easy at night knowing you have explored your options for competitive life insurance rates.