Written by Danny Ray

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Sleep Apnea Insurance Issues, The Battle For Affordable Life Insurance

Sleep Apnea can have an adverse effect on life insurance premiums. Above all, life insurance is a necessity for anyone wanting to protect their family. You need to make sure coverage is available if something unfortunate were to happen to you so that they don’t inherit your debts or final expenses. Affordable life insurance is achievable.

Most people understand this already. However, for some, getting insurance can be difficult. As we continue we will discuss insurance companies, and how they determine the sleep apnea rating.

Purchasing life insurance is made easy by talking with your independent life insurance agent.  He/she will be able to answer all your questions as they are knowledgeable in what the insurance companies will look for in underwriting.




I Have Sleep Apnea, What Is It

Affordable Life Insurance

Best Rates For Life Insurance With Sleep Apnea

Prior to diving into life insurance options for those with sleep apnea, let’s talk a bit about the condition.  Whether moderate sleep apnea or moderate to severe sleep apnea. About 18 million people live with sleep apnea in the U.S. alone. That’s a large chunk of the population. Therefore, it’s quite common for life insurance applicants to have sleep apnea.

People with sleep apnea stop breathing periodically while they sleep. This causes carbon dioxide to build up in the bloodstream. Once this happens, a receptor causes the brain to wake up so that they begin breathing again. This cycle tends to continue throughout the night.

Many people do not realize that they have sleep apnea. However, untreated sleep apnea can cause several major issues, such as high blood pressure, heart problems, etc. On top of this, those with sleep apnea suffer from sleep deprivation, since they do not sleep properly throughout the night.


How does Sleep Apnea Affect You

How to know if you have sleep apnea can be as easy as your weary spouse awake all night because of your snoring. However, it is not the sole result of sleep apnea.

When breathing stops, carbon dioxide accumulates in the blood. A receptor from the blood flow takes the mind then indicated to wake up the sleeping person and breathe. Breathing again will restore the oxygen levels, and also the person falls asleep. It’s uncommon that the person understands they were experiencing trouble breathing.

You may ask, does mild sleep apnea require treatment?  When not treated, may result in hypertension, obesity, heart problems, kidney disease, lack of endurance, and also a higher risk of driving mishaps. It’s due to these probable situations the life insurance business takes an additional look at applicants who have sleep apnea.





Sleep Apnea Companies, What Exactly Does the Underwriters Search For 

Many clients ask, What is a sleep study considered for insurance?  When reviewing a candidate’s sleep study evaluation underwriters Search for two Important things:

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

The oxygen equilibrium is the balance of oxygen from the blood. Regular blood sugar levels are regarded as 95-100 percent.

Though your physician may notice that you’ve “moderate” sleep apnea, then this identification is subjective that’s the reason why underwriters will examine the sleep research evaluations.

A lot of people who have sleep apnea can purchase cheap life insurance. PinnacleQuote will assist by evaluating your situation and place you with the right life insurance providers. This will ensure your loved ones are financially protected should you die. Furthermore, having a little time to conduct term life insurance quotes immediately without the fear of being bombarded with phone calls and also e-mails. You don’t have to provide up your own personal contact info to observe quotations. Simply take the first step into financial reassurance now.


Sleep Apnea Insurance; Premiums and Ratings For Sleep Apnea

When having a sleep apnea disorder, the point of diagnosis will have a lot to do with the sleep apnea rating you get. If being diagnosed with mild, well some life insurance companies will almost disregard this an will not rate you. However, if diagnosed with moderate sleep apnea then the life insurance carrier is going to want to know your saturation and AHI. Here is a general rule of thumb when looking at the rating for life insurance with sleep apnea.

  • Mild – Standard Plus possible
  • Moderate – Standard
  • Moderate untreated – Table 2
  • Moderately Severe – CPAP nightly – Standard – Table 2
  • Severe, non-compliant – Decline

Pre-Existing Conditions and Your Choices

Whenever someone has a preexisting condition, the insurer has three choices:

  1. To pay the individual who has full benefits instantly but at a greater speed;
  2. To set a rider or some limit of policy on the requirement for a time period (subject, obviously, to security available under legislation such as the medical insurance Portability and Accountability Act of 1996 or HIPAA);
  3. Or even to refuse coverage entirely. Whenever your sleeping apnea is suitably medicated and can be under management, it might not be an element in determining your premium. (Discus some possible difficulties with the insurance representative when creating the first application.)





Do I Have Sleep Apnea    

How will I know?

As mentioned above, a lot of people with sleep apnea are undiagnosed. This is because sleep apnea occurs while you’re sleeping, so it can be difficult to spot. However, there are many common sleep apnea symptoms, such as snoring, fatigue, slow reactions, moodiness, and vision issues.

On top of being aware of these symptoms, tracking your sleep can help you diagnose sleep apnea.  Once the medical exam is complete,the physician can determine if you have anything that may be preventing you from breathing properly in your sleep.


How Much is a Sleep Study Without Insurance

Consult your health insurance company or doctors office when it comes to questions concerning what your health insurance covers and does not cover. Some common questions from clients:

  • Is a sleep study covered by insurance?
  • How much is a cpap machine without insurance?
  • Cpap machine cost with insurance?
  • What is the best sleep apnea machine?


Severe Sleep Apnea Disability and Treatment

People with Sleep Apnea

I Have Sleep Apnea

In the event you suspect you might have sleep apnea, then the very first thing to do would be to see your doctor. Let the doctor know how your sleeping. What your exhaustion levels, and some other symptoms you might be needing. Consult your spouse if he or she notices you snore heavily, choking, gasping for air, or stop breathing during sleep. Be sure to take an updated list of medicines, including over the counter drugs.

Among the most common methods employed to diagnose sleep apnea is a sleep evaluation, that might need an overnight stay in a rehab facility. This test is also used both to diagnose sleep apnea and to determine its severity.  Most often, treatment will start the first night in the sleep study center.

The treatment of choice for obstructive sleep apnea is continuous positive airway pressure device (CPAP). CPAP is really a mask that fits over the nose or mouth and gently blows air into the airway to help keep it open during sleep. This system of treatment is extremely effective. Employing the CPAP as recommended by your doctor is essential.



Other Symptoms For Sleep Apnea,  Sleep Apnea Affects

Additional procedures of treating sleep apnea contain: dental appliances which permeate the lower jaw and tongue; upper airway surgery to eliminate tissue in the tooth; rectal expiratory positive airway pressure where an Amino valve covers the uterus; therapy utilizing hypoglossal nerve stimulation where a stimulator is implanted into the patient’s torso with leads connected to the hypoglossal nerve which controls tongue movement and to a breathing sensor. The detector screens breathing patterns during sleep and arouse the hypoglossal nerve to move the tongue to maintain an open air.

Lifestyle changes are effective methods of mitigating symptoms of sleep apnea. Like losing weight if your overweight. Also losing weight will lower your blood pressure and possibly your cholesterol which can prevent heart disease as well.


Sleep Apnea And Affordable Life Insurance

Now that we’ve gone over the basics of sleep apnea, let’s talk about getting affordable life insurance for sleep apnea clients. For the most affordable life insurance, you’ll need to disclose your health conditions and take a medical exam. However, no medical exam life insurance policies are always an option if you are having trouble getting covered.

Unfortunately, when it comes to sleep apnea life insurance companies often consider those with sleep apnea high risk applicants, which means higher premiums. This is because sleep apnea is associated with several potentially life-threatening health issues. However, this is not always the case — just because you have sleep apnea does not mean that you can’t find affordable life insurance. Furthermore, a diagnosis of sleep apnea and shopping for life insurance may vary by age.


Living with Sleep Apnea, Can You Die From Sleep Apnea

Some might argue that you may not actually die in your sleep from apnea. After the body feels it is not getting enough oxygen during sleep, then it triggers an awakening. At this time, the breathing airways start and breathing continues. As a result of this mechanism, then you stand no danger of suffocating in your sleep.

In actuality, it’s like saying people don’t die from AIDS. No, they expire from the inevitable complications that come with HIV. It is true for people with diabetes, as well.

Semantics do not alter the truth: mortality risks are shown in clinical research to be higher in those people who have sleep apnea. Sleep apnea disrupts adrenal glands, imbalances brain, and body chemistry, interrupts lymph and circulatory function, elevates blood pressure, also accelerate the heart’s rate, like Atrial Fibrillation. When permitted to continue, untreated, it will cause higher mortality for people who don’t cure it.




People with Sleep Apnea Should not Neglect Treatment 

People with untreated sleep apnea:

  • More likely to have a heart attack
  • Have a 2 to 3 times higher risk of having a stroke
  • Face more than 3 times the risk of premature death

Important to know…

In addition, those who have had sleep apnea for as much as 5 years have a 30% increase in their risk for having a heart attack or dying, based on research conducted at Yale University.

The acute person’s sleep apnea, the greater the danger of either an assault or death. In reality, 42 percent of the deaths in people with severe sleep apnea have been because of heart disease. Intense, in clinical conditions, is defined as using an apnea-hypopnea index (AHI) score of 20 or more respiratory events per hour.

The danger of cardiac-related departure was 5 times higher among those with untreated acute sleep apnea compared with those who didn’t have sleep apnea.


Sleep Apnea Quotes, How To Get Affordable Life Insurance With Sleep Apnea

Sleep Apnea Insurance

Sleep Apnea

Often, life insurance companies will want to know how serious your sleep apnea is so that they can assess your level of risk. The good news is that there are some things that you can do prior to applying that can help you get lower life insurance rates. Life Insurance rates and being overweight also is a cause of sleep apnea.

Taking measures to treat your sleep apnea can reassure insurance companies that you have your condition under control. This includes using a CPAP machine, losing weight, and other lifestyle changes that your doctor may recommend. As long as you show that you are making an effort to improve your condition, life insurance companies will be more confident in providing you with affordable coverage.


Tips on How to Get More affordable life insurance with sleep apnea.

  • Improve Overall Health — Eating healthy and exercising regularly can go a long way. The better physical condition you are in when you apply for life insurance, the lower your rates will be.
  • Cut Out Tobacco Products Life insurance for smokers is usually 2-3 times more expensive than for nonsmokers. If you already have sleep apnea, you don’t want to give life insurance companies any more reasons to raise your rates.
  • Hire An Independent Insurance Agent — Hiring an agent can save you a ton of money in the long run. An expert will connect you with the top life insurance companies, and they’ll have an idea about which companies have the most lenient medical underwriting for people with sleep apnea. Comparing quotes is the number one rule for those looking to get an affordable life insurance policy.




Sleep Apnea Terms;  Pre-existing Medical Conditions Connections With Sleep Apnea

Be Aware…

By depriving your body’s oxygen as you are sleeping, sleep apnea may aggravate symptoms of asthma along with chronic obstructive pulmonary disease (COPD). You may end up short of breath or have more difficulty working out compared to normal.

  • Endocrine system

Whenever your cells do not take in insulin as though they need to, your blood glucose level increases and you’re able to create type 2 diabetes.

  • Digestive system

In case you have sleep apnea, then you are more inclined to possess fatty liver disorder, liver problems, along with higher-than-normal levels of liver enzymes.

Apnea may also aggravate heartburn and other symptoms of gastroesophageal reflux disorder (GERD), which may disrupt your sleep much more.

  • Circulatory and cardiovascular processes

Sleep apnea has been associated with obesity and higher blood pressure, which raise the strain on the heart disease. Heart failure can be more prevalent in individuals with sleep apnea.  Consult with your independent life insurance agent for the top rated sleep apnea companies available to you.




Sleep Apnea and Life Insurance





Term Life Insurance

Danny Ray ~Founder/Owner of PinnacleQuote

Other Considerations

Now that we’ve gone over how to get affordable life insurance with sleep apnea, let’s address some other things to consider before deciding on a life insurance policy. You’ll need to choose what kind of life insurance you want (term life insurance vs. whole life insurance).

You’ll also need to calculate how much life insurance you’ll need to provide proper coverage. Find the right life insurance on your own can be difficult, so please feel free to contact us at PinnacleQuote (855)380-3300.

We are based out of Jacksonville, Florida.  I am Danny Ray and my goal is to help you find the right fit for you and your families needs.

Make it a Great Day!!!



Danny Ray & Lisamarie Monaco Contributed To This Article
Danny Ray & Lisamarie Monaco Contributed To This Article

Here at PinnacleQuote Life Insurance Specialists we always put the CLIENT FIRST!! We are not in the business of selling life insurance, but to educate, and provide the best options for you and your family. This way you can make the best choice to properly protect your family. We have over 300 life products available to tailor make a policy for any one of our client’s needs!

We offer the Best PRICE, Best CARRIER, GUARANTEED!

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