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, how can you find the best sleep apnea life insurance rates & coverage 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. These include 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. Sleep apnea life insurance 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 for high risk individuals. Call me to find out more.