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Life Insurance With Sleep Apnea
Sleep apnea is common, and treated sleep apnea is often viewed far more favorably than untreated -- CPAP use and a recent sleep study can make a real difference.
Obstructive sleep apnea is one of the more common conditions on life insurance applications. Carriers mainly want to know how severe it is, whether it's being treated, and whether it has led to other issues like high blood pressure or heart problems.
Why sleep apnea matters to underwriting
Untreated sleep apnea is associated with high blood pressure, heart rhythm problems and other conditions. Consistent treatment is generally seen as reducing that risk.
The kind of information commonly considered
Underwriting commonly looks at your diagnosis, treatment and related health.
- Severity (mild, moderate, severe) from your sleep study
- Whether you use a CPAP or other treatment, and how consistently
- Related conditions -- blood pressure, heart, weight, daytime sleepiness
- Tobacco use
Why carriers differ
Carriers weigh severity and treatment differently. Some are comfortable with well-treated moderate sleep apnea; others are more cautious with severe or untreated cases.
Why a webpage can't determine approval
Your sleep study results, treatment history and overall health together shape the decision, and only an underwriting review can weigh them.
What may be useful to have ready for the call
Treatment details help most.
- When you were diagnosed and how severe it was
- Whether you use a CPAP, and roughly how many nights a week
- Any related conditions and medications
- Roughly how much coverage you're looking for
Your next step
Check other health situations, or go straight to calling a licensed agent.
Common questions
Does using a CPAP help me get life insurance?
Generally yes. Consistent CPAP use shows the condition is being treated, which carriers commonly view more favorably than untreated sleep apnea.
Can I get life insurance with severe sleep apnea?
It's often still possible, especially when it's treated and there are no serious related conditions. Options and pricing vary by carrier, so it's worth comparing.
Do I have to mention sleep apnea on my application?
Yes. Answer health questions fully and accurately. Leaving out a diagnosis can cause problems with a claim later.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.