Sleep Apnea Life Insurance
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Sleep apnea is a health-related condition, the one that can be extremely dangerous. Therefore, it doesn’t come as a surprise that it may play a very important role in your ability to a obtain life insurance, and the premium level that you will pay for it.
When you are looking for life insurance, there are a lot of factors that can affect your premium. Your age and your medical condition are usually the ones that will affect the price of your life insurance premium the most, even if you are looking for sleep apnea life insurance.
If you have a medical condition and you are not sure if it will affect and how much it will affect your premium, be ready to make a detailed research so that you can get a better idea what to expect and what to bargain for.
What is Sleep Apnea?
Sleep apnea is a health-related condition that causes oxygen levels in the blood to drop caused by an obstruction in the upper airway, or sometimes even by the inability of the brain to initiate breathing. It is usually initiated by heavy snoring.
There are some health conditions, like obesity, that can contribute to sleep apnea. If it’s untreated, it can lead to hypertension, or even to cardiovascular problems and lung damage. When it comes to life insurance it is important to mention that sleep apnea can be also linked to cancer and depression.
Does Sleep Apnea Affect Life Insurance?
Not every insurance company underwrites the same, but it is true that a lot of them take sleep apnea very seriously. Therefore, it is going to be an important factor to the insurer when they consider your application for life insurance with sleep apnea. The extreme situation, that can sometimes happen, is that your coverage may be declined. And even when it is approved, it could be a lot higher than usual.
When it comes to sleep apnea life insurance, some insurance companies will even limit the amount of coverage they will provide to you, if you have sleep apnea. This means that the death benefit will be lowered down to a level that is far lower than the amount you want to apply for in the first place.
What Insurance Company Wants to Hear When It Comes to Life Insurance with Sleep Apnea?
Basically, no matter the condition you have, insurers will want to know if you are seeking treatment for it. In many situations, when a medical condition is not serious, if you are treating your illness like your doctor prescribed it to you, you will get insurance for sure and it can also result in premium rates ranging.
Therefore, if sleep apnea is untreated, it is often rated poorly or may even affect your premium in the way that in the end your coverage may be declined. If you, on the other hand, do comply with the doctor’s treatment recommendations and you can also prove it with the medical records, then there is a good chance that you will not have a problem getting sleep apnea life insurance, and at an affordable price.