Affordable Life Insurance for Sleep Apnea

The Greek word “apnea” literally means “without breath.” Sleep apnea is an involuntary cessation of breathing that occurs while the patient is asleep."

If you have a sleep disorder and are looking for life insurance, fill out the form on the right for your free quote!

How to get the best life insurance rate while having sleep apnea.

We can help get the most affordable life insurance for people with the more common obstructive sleep apnea, as well people with the less common central sleep apnea. As with all types of health conditions, the better controlled your sleep apnea is, the lower your rates can be.

Getting affordable life insurance is easiest if your sleep apnea was treated and a follow up test done to show that the treatment (usually Cpap, bipap, or surgery) was successful. Sometimes a letter from the doctor is sufficient.

Do you use c-pap or bi-pap?

Your rates will be best if you comply with prescribed c-pap or bi-pap useage. If your sleep apnea was never treated, rates will depend on whether there are symptoms. Sometimes symptoms disappear with weight loss or other means, which can also make for lower rates. The highest rates will be for those who have untreated sleep apnea and still have symptoms such as daytime sleepiness.

Preferred rates for sleep apnea?!

With controlled mild sleep apnea you can be rated as good as Preferred with some companies. Even if you have successfully treated severe sleep apnea, or untreated sleep apnea, there are many choices for affordable coverage.

Other Sleep Disorders

We provide coverage for those with other sleep disorders, too, such as narcolepsy, non-24 sleep wake disorder, and insomnia.