life insurance for people with sleep apnea
Sleep apnea is a common condition that affects life insurance underwriting. Treated sleep apnea (using CPAP/BiPAP with documented compliance) is generally insurable at standard rates. Untreated sleep ...
life insurance for people with sleep apnea
Sleep apnea is a common condition that affects life insurance underwriting. Treated sleep apnea (using CPAP/BiPAP with documented compliance) is generally insurable at standard rates. Untreated sleep apnea is a more significant underwriting concern.
What You Need to Know
- Treated sleep apnea with documented CPAP compliance is often insurable at standard rates
- Untreated sleep apnea may result in higher rates or postponement
- Severity of sleep apnea (AHI score) affects underwriting
- Associated conditions (obesity, hypertension) affect the overall underwriting picture
- An independent agent knows which carriers are most favorable for sleep apnea
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.