How to Get Life Insurance With Sleep Apnea? [Quick Guide]

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  • Post last modified:March 18, 2021

Life insurance is highly recommended as it can support your family financially in case the worst happens to you.

Like any insurance, the availability and cost will be partially determined by conditions that affect the risk to the company.

So, it’s not surprising that you can find sleep apnea life insurance in case you suffer from this condition.

What is Sleep Apnea?

Sleep Apnea Life Insurance

This is a condition in which a person stops breathing for short periods while asleep.

There are health complications that come with sleep apnea, including an increased risk of heart attack, stroke, and other debilitating conditions, including in rare cases, death.

While many have been diagnosed with sleep apnea, there are still many more who may not be aware they have this condition.

Treatment for those who have been diagnosed includes surgery to remove the tissues which block the airflow at night to CPAP machines that force air past the blockage.

Many who have sleep apnea are also obese and losing weight is one of the recommended treatments.

Getting Approved for Sleep Apnea Life Insurance

For those who have sleep apnea and wish to get approved for life insurance, the first step is acknowledging the condition when filling out the application forms and listing the treatments that have been recommended by physicians.

The insurance company will want to know if you are using a CPAP machine to assist in breathing and that it is worn every night.

This means undergoing a sleep study, which is being observed while asleep that demonstrates the seriousness of sleep apnea.

Most insurance companies will insist on you undergo a sleep study before being approved.

The good news is that home sleep study kits are available at a reasonable cost if you have not been through a standard sleep study.

However, if you are on a CPAP machine, you have most likely been through an overnight study.

There are different aspects of sleep apnea that will need to be explained before being approved, some of which include the following;

  • Date of Diagnosis
  • Have you Undergone a Sleep Study? If so, what was involved?
  • The Severity of Sleep Apnea
  • Is the Sleep Apnea getting Better, Worse, or Staying the Same?
  • Treatments
  • Do You Have Contributing Conditions such as Obesity, Coronary Artery Disease, or Depression?
  • Do You Drink Alcohol or Take Medications?

There may be other questions, but the insurance company is trying to make a risk assessment so they can approve your policy.

If approved, the assessment will also dictate the premiums which are based on the severity of the condition. In addition, your benefit level will influence the premiums, so keep that in mind when applying for a quote.


Keep in mind that different insurance companies will charge different premiums for those who have sleep apnea.

Since it is considered a high-risk condition, it is best if you get quotes from several different insurance companies before making your final decision.

That way, you can get the right insurance that meets your needs while fitting your budget.

Linda Chavez

I'm a burial & senior life insurance expert, independent agent, Founder & CEO of Seniors Life Insurance Finder. I have been working in this sector since 2004 and established my own company in 2014. I have a team of seven members, and we are trying hard to share the knowledge we've gathered. We know how difficult often it is to find an affordable policy. Hence, we are doing our best to help you.