Fatigue, lack of concentration and irritability. All classic symptoms of depression. Also, all classic symptoms of sleep apnea. In a New York Times article “Remedy for Sleep Apnea May Lift Depression’s Veil”, the similarity and ways to peel away the layers to a final diagnosis are discussed.

It appears this situation is a cause for mis-diagnosis in many cases. The only way to know for sure is to be tested for sleep apnea. The good news from a life insurance underwriting standpoint is that both issues, once diagnosed, treated and controlled, don’t present huge obstacles in getting competitive life insurance rates.

There are still plenty of companies out there that will cut and run from both depression and sleep apnea, but with the help of a good independent agent, you can find rates that are competitive with the best rates out there.

Bottom line. Make sure you discuss all of your symptoms with your doctor. Treatment for depression won’t do any good if the underlying health issue is sleep apnea.