If you have been diagnosed with sleep apnea, you may be wondering about sleep apnea life insurance eligibility. Getting life insurance with sleep apnea is possible if you have the right insurance agent and insurance company.
In this article, we will offer some background on sleep apnea, the underwriting process for life insurance for sleep apnea, and we will help you to understand if you can get approved for life insurance with sleep apnea.
WHAT IS SLEEP APNEA?
Sleep apnea is a breathing disorder that is characterized by pauses in breathing or shallow breaths while sleeping.
These pauses in breathing can last from a few seconds to a few minutes. Some patients may experience up to 30 episodes or more per hour. A loud snort or choking sound will typically signal a return to normal breathing.
Because of all these interruptions in your sleep, your quality of sleep is affected, resulting in you being tired throughout the day. Sleep apnea is the primary cause of excessive daytime sleepiness among all United States residents.
HOW DO I KNOW IF I HAVE SLEEP APNEA?
Most cases of sleep apnea are undiagnosed. Because sleep apnea occurs only why you’re sleeping, you won’t necessarily notice it. It is often a spouse or family member that first notices the signs of sleep apnea.
WHAT KINDS OF SLEEP APNEA ARE THERE?
Obstructive sleep apnea is the most common type of sleep apnea. With obstructive sleep apnea, your airway collapses and becomes blocked during sleep. This leads to shallow breathing or pauses in breathing, resulting in poor sleep and tiredness during the day.
Some people have central sleep apnea, which is a less common form of sleep apnea. This results from a disorder in the area of your brain that controls breathing. Your brain doesn’t send the correct signals to control your breathing muscles correctly. This affects your ability to breathe while sleeping.
With central sleep apnea, a patient will often not snore, making it more difficult to diagnose.
Some people have both obstructive sleep apnea and central sleep apnea.
WHAT HAPPENS WITH UNTREATED OR UNDIAGNOSED SLEEP APNEA?
Untreated sleep apnea can result in an increased risk of:
- High blood pressure
- Heart attack
- Heart failure
- An increased chance of driving accidents or work-related accidents
Sleep apnea is a chronic long-term medical condition that requires long-term medical management.
HOW IS SLEEP APNEA CONTROLLED?
Sleep apnea patients are all treated differently. The most common forms of treatment are:
- Lifestyle changes
- Weight loss
- Oral appliances or mouthpieces
- Breathing devices that assist in maintaining open airways
CAN I GET SLEEP APNEA LIFE INSURANCE?
What will the insurance companies want to know about my medical condition for sleep apnea life insurance eligibility?
Your insurance agent will need to know the following:
- Age of diagnosis
- Height and weight
- Treatment methods (weight loss, surgery, CPAP, observation, etc.)
- Type of sleep apnea (obstructive, central, or mixed sleep apnea)
- Past surgeries or medical procedures
- Last sleep study date and results
- Medical treatment plan and medications
- Use of cigarettes or other tobacco products
- Any additional health issues
At Life Wealth Win, we can help you understand your options to find the life insurance company that will view your sleep apnea and other health issues most favorably. We know the companies that will get you the best rates and the best sleep apnea life insurance eligibility options.
If somebody quotes you a price over the phone without inquiring about your sleep apnea or other medical conditions, we recommend not using them.
Seek out a qualified life insurance agency like Life Wealth Win who will ask you about your entire medical history so that they can get you placed with the best life insurance company that will get you the best life insurance rates.
HOW MUCH WILL MY LIFE INSURANCE FOR SLEEP APNEA COST?
Your life insurance rates will depend on your age, height, weight, current medical issues, and your sleep apnea status/severity.
Don’t let your sleep apnea diagnosis discourage you from purchasing the life insurance coverage you need. Life Wealth Win is here to help you understand your qualification status in life insurance eligibility.
If you have been diagnosed with sleep apnea, call us to help you understand your sleep apnea life insurance eligibility options.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you to understand your life insurance options with sleep apnea.
We work with clients across the nation to get the best life insurance rates possible. If you have sleep apnea, we can help you to get the best sleep apnea life insurance rates.