1. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    Yes, most people with sleep apnea can get life insurance. If mild and controlled by regular use of Cpap or bipap, or if the sleep apnea has been corrected by surgery, the applicant can even be rated Preferred for some life insurance policies. Severe sleep apnea that is not controlled, or when there is no follow up or Cpap is not used as directed, the policy can be rated up or even declined.
    Answered on May 24, 2013
  2. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Depending upon if your sleep apnea is mild and controlled, not severe and uncontrolled, you should be able to secure life insurance coverage at standard offers or better. Some sleep apnea can be corrected with surgery and some life insurance companies are benevolent because it was corrected. The real problem is diagnosed uncontrolled sleep apnea with no Cpap machine, that can cause dramatically affect an underwriting offer or outright declination.
    Answered on May 24, 2013
  3. 11773 POINTS
    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Can you get life insurance with sleep apnea?  Yes, it is possible to obtain life coverage while having sleep apnea, but chances are the class will be standard or lower. Sleep apnea is an unpredictable outcome illness as it can be the begining of other serious coniditions. Someone with sleep apnea must show good control, consistent use of their c-pap machine (currently 50% of the people stop using their cpap after one year.) and not have issues elsewhere.
    Answered on May 25, 2013
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