Life insurance is one of the most important safety nets that you could ever purchase for your family. It’s the only way to ensure that your family will have the money they need, no matter what happens to you. Finding the best life insurance can be a long and difficult process, especially if you have a pre-existing condition, like sleep apnea.
Can You Get Life Insurance With Sleep Apnea?
Absolutely! We have helped many clients get affordable life insurance even after being diagnosed with sleep apnea. Tim, a client who was diagnosed with sleep apnea, was able to secure a standard rating. While he was initially quoted a high premium, we were able to find him a better deal by targeting insurers who specialize in impaired risk policies. Knowing the right approach, even when you have sleep apnea, makes life insurance completely attainable.
How Sleep Apnea Impacts Your Life Insurance Rates
Life insurance companies view untreated sleep apnea as a serious risk. This is because untreated cases of sleep apnea can lead to complications like high blood pressure, heart disease, and type 2 diabetes. However, if you’re actively treating your condition—whether through a CPAP machine or lifestyle changes—your chances of securing favorable rates increase significantly.
Treatments That Help Secure Better Insurance Rates
The most effective treatment in the eyes of life insurance companies is the use of positive airway pressure devices, like the CPAP machine. Consistent treatment with a CPAP machine has been shown to improve life expectancy and reduce the risk of complications. This is why many insurers will require proof of CPAP usage before granting standard rates.
For those with milder cases, lifestyle changes like losing weight, exercising, and quitting smoking can help reduce the impact of sleep apnea and improve your chances of getting standard life insurance rates.
How to Prepare for Your Life Insurance Application
When applying for life insurance with sleep apnea, it’s essential to provide detailed medical records. This should include your diagnosis, any treatments (like CPAP therapy), and improvements in your condition. If you’ve undergone surgery, providing a post-surgery sleep study indicating your condition is no longer clinically significant will further boost your chances of securing favorable rates.
How Lifestyle Changes Can Lower Your Premiums
There are several ways to improve your health and secure lower insurance rates, even with sleep apnea:
- Healthy Diet: Replacing junk food with healthier options will not only help you lose weight but will also have a positive impact on conditions like high cholesterol. If you’re concerned about high cholesterol, read more about how it affects life insurance premiums.
- Regular Exercise: Exercise improves heart health and lowers your risk of complications from sleep apnea.
- Quit Smoking: Smokers are three times more likely to suffer from sleep apnea, and being a smoker significantly increases your insurance premiums. Learn more about life insurance for smokers.
Why Work With an Independent Insurance Agent?
Unlike traditional insurance agents, independent agents represent multiple companies. This means we can compare rates from various providers and find the best deal for you. Don’t waste time calling multiple insurers—let us do the hard work for you. You can start by using the term life insurance quoter on our site or by calling 1-800-712-8519.
Frequently Asked Questions
Can I get life insurance if I have sleep apnea?
Yes, you can still get life insurance with sleep apnea. Life insurance companies will review your treatment plan and how well the condition is managed. Using treatments like a CPAP machine can help secure standard rates.
What type of life insurance is best for people with sleep apnea?
For those with mild to moderate sleep apnea, term life insurance is often the most affordable option. Permanent life insurance can be more expensive but is available for those with sleep apnea.
Can I get life insurance if I use a CPAP machine?
Yes, using a CPAP machine improves your chances of getting life insurance at better rates. Consistent CPAP usage demonstrates to insurers that you’re managing your condition.
How does smoking affect life insurance rates for people with sleep apnea?
Smoking significantly increases life insurance premiums for people with sleep apnea. Quitting smoking can help lower your premiums, as smoking exacerbates the condition. Learn more about the impact of smoking on life insurance rates.
Can lifestyle changes help lower my life insurance rates?
Absolutely. Losing weight, exercising regularly, and quitting smoking are all ways to improve your overall health, which can help lower your life insurance premiums.
Conclusion
Getting life insurance with sleep apnea is possible and can be affordable if you take the right steps. Whether you’re using a CPAP machine, making lifestyle changes, or working with an experienced independent agent, there are options available. Don’t wait—get started by contacting us or using our term life insurance quoter to find the best rates today!
