Sleep Apnea Life Insurance
There’s probably nothing that has caused more disruption in the bedroom than sleep apnea. There’s snoring and then there’s sleep apnea SNORING. So other than the bedroom battle, why is sleep apnea an issue when it comes to life insurance and how can you find the best rates when you suffer from the disorder?
The downside of serious sleep apnea that life insurance underwriters have to consider is the collateral health issues that can, don’t always, but can come with it. High blood pressure, irregular heartbeat, heart disease, stroke, type 2 diabetes and, because it causes insufficient quality sleep, driving and work-related accidents.
The good news is that sleep apnea, from the mildest forms to severe obstructive sleep apnea can be completely controlled which can help avoid all of the collateral health problems. With milder forms it might just take an oral device, like a mouth guard, or it might require nightly use of a cpap. Underwriters have found, especially with the new self-monitoring and reporting cpaps, that they can very accurately assess compliance and control.
With excellent control even severe sleep apnea, in the absence of height and weight issues, can bring best rate class approvals. See, good control of your sleep apnea can bring a smile to your spouse in the bedroom and to you when you apply for life insurance. Call me to find out more.
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The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.
Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.