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Sleep Apnea
Understanding Sleep Apnea
Sleep apnea affects an estimated 18 million Americans which means that many people with sleep apnea apply for life insurance.
The life insurance industry does view sleep apnea as a risk and your costs may be affected by it.
Insurance companies underwrite impairments a little differently. We are here to dig through the different life insurance companies to help you find affordable term life insurance coverage.
Many people with sleep apnea are able to buy affordable life insurance. We will help by shopping your case at the appropriate life insurance carriers.
Most sleep apnea conditions are recognized by others witnessing the signs of the individual while sleeping or awake, or the condition is suspected because of its effects on the body. Sleep apnea is typically characterized by paused breathing or instances of abnormally shallow breathing while sleeping. Snoring is also extremely common.
During the day, sleep apnea sufferers are prone to fatigue, slower reaction times, and vision problems. Behavioral effects such as moodiness, belligerence, and a decrease in attentiveness can also occur.
Treatments for sleep apnea can include:
• Weight loss
• Avoidance of alcohol prior to sleep
• Avoiding sleeping on your back
• Using a continuous positive airway pressure (CPAP) device
• Using a bi-level positive airway pressure (BIPAP) device
• Jaw or tongue surgery
What Do The Life Insurance Underwriters Look For In Sleep Apnea?
When reviewing an applicant’s sleep study test underwriters look for 2 key items:
1. The AHI (Apnea/Hypopnea Index)
2. Oxygen Saturation
The AHI calculates apnea (pauses in breathing) and hypopnea (shallow breathing) during an individual’s sleep.
The index values range from 0-30+; the lower the number the better your AHI. The oxygen saturation is your balance of oxygen in the blood.
Normal blood oxygen levels are considered to be 95-100 percent.
Even though your doctor may note that you have “moderate” sleep apnea, this diagnosis is subjective which is why underwriters will review the sleep study tests.
Example: An individual’s doctor told him he had moderate to severe sleep apnea. The sleep study showed that his AHI was 17 and his oxygen saturation was at 90%.
While the doctor may see this as moderate to severe, a life insurance carrier may consider the sleep apnea to be mild or even non-existent.
Many people with sleep apnea are able to buy affordable life insurance. We will help by shopping your case at the appropriate life insurance carriers.
To make sure your loved ones are financially secure should you die prematurely, take a moment to run term life insurance quotes instantly without fear of being bombarded by phone calls and e-mails.
You do not need to give up your personal contact information to see quotes. Take the first step in financial peace of mind today.
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