ArchiveCategory Archives for "Sleep Apnea Life Insurance"
Women are more at risk than men are for developing sleep apnea.
Medical professionals and sleep researchers have been studying obstructive sleep apnea symptoms in women, like increased risk of heart attack and stroke, as well as, what causes snoring in females.
So, what does a woman with sleep apnea do to get the best term insurance rates?
We've added 7 MORE steps to our list of actionable steps that women with sleep apnea should do in order to position themselves to be the best life insurance applicants possible
Why is this important?
Life insurance companies want to see that women with sleep apnea are taking the proper precautions to keep it under control. Provide a recent sleep study that proves your efforts are helping you maintain the effects of sleep apnea.
Obvious, right? If you are prescribed a CPAP or other helpful device to aid you in living with sleep apnea, make sure you are regularly wearing the tools and appropriately.
Insurance carriers want to know you are a low risk. You’ll want to show your insurance company that you are responding well to the treatment and share any reduced side effects of sleep apnea.
Sound silly? It’s serious.
In general, neck circumference is considered to be a risk factor for snoring and sleep apnea when the circumference of a woman’s neck is greater than 16 inches. Make sure your doctor is monitoring this at regular visits.
For example, the effects of sleep apnea and women are many. As doctors and researchers look to find what causes snoring in females, as well as, other, more common, sleep apnea symptoms in women, sharing details of other concerns you have may help with proper diagnosis and, ultimately, coverage. Here are things to report, to name a few:
Sleep apnea and fatigue are not in the same category. It is important to report accurately how sleep apnea affects your everyday life. However, sleep apnea is NOT the same as “nodding off.” Sleep apnea is a chronic condition--nodding off is a temporary issue cured by sleep itself. Therefore, your insurance company will also be looking for a record of no sleep-related accidents while driving.
Smoking causes upper airway inflammation. This inflammation causes the nose, uvula, and throat to swell, which reduces the space in the airway. The inflammation then contributes to increased severity of sleep apnea. Make matters better by kicking the habit as soon as possible.
What can these 7 steps do for you?
Kathy, a non-smoker, applied for life insurance when she was a 52-year-old female
She was diagnosed at age 42 with mild OSA via a sleep study and was prescribed nightly use of a CPAP machine.
She uses the CPAP machine every night and visits her doctor twice per year follow up on her sleep apnea, as well as, monitor her neck size.
Her medical records clearly document her continued use and successful treatment while also showing a post-treatment sleep study that shows the progress being made by her and her doctor’s efforts
Outcome: Kathy was approved as a preferred rate class, with a very affordable annual premium for term insurance.
What’s the bottom line?
If you are a woman living with sleep apnea, you still have a good chance of qualifying for inexpensive term life insurance coverage!
Your best bet is to follow these 7 steps so you can avoid unpredictable term insurance rate classification.
If this information has been helpful and informative, please comment below? Do you have, or does someone you know, suffer from sleep apnea? We'd love to hear your comments and stories. There are many resources available to OSA/CSA sufferers.
Also, PLEASE SHARE this post! We really appreciate your time!
My Name Is Chris Acker, CLU, ChFC. I Was Diagnosed With Mild OSA In 2004. My AHI Without Treatment Was 23. I Started Using CPAP In 2004 And My Life Changed! My New BIPAP Device Measures My AHI At About 2.5 Each Night. my life insurance company now loves me since i'm CPAP compliant! let me help you get the best sleep apnea life insurance for women!
My wife hates my CPAP machine! Actually, she hates my mask which has a loud exhaust. I'm constantly playing with my CPAP mask trying to find the absolute best fit!
I actually LOVE my CPAP and wouldn't go anywhere without it. Recently I've been researching sleep apnea in women and how OSA correlates to higher life insurance premiums for both men and women. While it's possible to get excellent term insurance premiums for women who have sleep apnea, you need to understand the differences between the sleep habits of men and women and also the symptoms and treatment of sleep apnea in women which are quite different than those in men.
You came here looking for sleep apnea life insurance for women, but you need to understand your OSA condition and how OSA affects your personal health and sleep habits. Once you know where you stand regarding you own symptoms and OSA treatment/management, then we'll get into some of the finer points on presenting a life insurance application to a specific life insurance carrier who specializes in sleep apnea life insurance for women So, take a look at the Quick navigation guide and you can skip down to the section that interests you the most. Remember, We have extensive experience reviewing sleep apnea test results and how those AHI/RDI numbers can influence a life insurance policy offer. Later on, I'll show you my sleep study summary and discuss approaches we take with our clients when we submit a life insurance case to the insurance company.
Face it, women manifest symptoms of sleep apnea differently than men. Not only do women snore less, but their body types also outwardly don't adhere to the sleep apnea myth that you need to be a fat middle aged man to be a prime candidate for OSA.
Women who have OSA may:
Sleep apnea in women often disguises itself as other serious issues. It's not uncommon for medical professionals to look for other illnesses before they land on a sleep apnea diagnosis. This is extremely important when you're shopping for sleep apnea life insurance for women.
Here are some of the common incorrect diagnoses women can labelled with on their way to being correctly diagnosed an treated for OSA. [Correct diagnosis of sleep apnea for women will make a huge difference in lowering women's life insurance premiums even with sleep apnea].
When it comes to reporting sleep troubles women are much more likely to discuss their sleep problems with their primary care providers. Unfortunately, because of a combination of factors, women with sleep apnea are often diagnosed and treated for other sleep disorders or get treated for comorbid conditions that are typical for sleep apnea patients.
"It is commonly known within the sleep field that women with OSA present differently than men," Says Angie Randazzo, Behavioral Sleep Medicine Specialist at St. Lukes Sleep Medicine & Research Center, "They often don't have the stereotypical body type and don't always say they are sleepy. Many will say they are fatigued, leading clinicians to think they have insomnia versus OSA."
Short answer- YES! It's subtle and a semantic issue, like saying someone can die from HIV. You don't actually die from the HIV condition itself, rather you die from other side effects caused by sleep apnea. Take a look at some of the recent celebrity deaths where OSA played a significant role in their premature deaths.
Here's a list of celebrity sleep apnea deaths from The American Sleep Association:
You can see that these actors, entertainers, and professional athletes were mostly men, AND most were obese. The lone woman on this list was Carrie Fisher and she was not obese, yet she suffered a fatal heart attack, which was her listed cause of death.
Typically, women pay less for life insurance than men. This is a simple fact. However, when you throw in a sleep apnea diagnosis, women tend to be more difficult to underwrite for this condition, in my experience. All of the co-morbidity factors mentioned above make it difficult for a home office life insurance underwriter to sift through mountains of medical records accompanied with you life insurance application. This is precisely why you, as a woman with sleep apnea, need to make sure that you apply with the insurance company that will be the most aggressive and flexible viewing your special sleep apnea condition. Sleep apnea life insurance for women is a specialty in which not all life insurance carriers are fluent.
Older obese women, age 50-70, are 31% more likely to have OSA than non-obese women. Women with OSA are also more prone to developing other serious condition, especially mental health issues such as anxiety and depression. These medical conditions can lead a life insurance company to decide to decline a woman's life insurance application if she suffers from sleep apnea.
As if getting the best rates on sleep apnea life insurance for women isn't enough incentive for all you women reading this, there's new research in the sleep disorder field that suggests that CPAP therapy for OSA/CSA can actually help your libido. It's true! According to a new randomized study of men and women who are being treat for OSA, the study published in the May 2018 edition of the JAMA Network Otolaryngology- Head and Neck, subjects who were treated with CPAP for sleep apnea reported increased libido. While not entirely devoted to women, the results of the study showed overwhelming imporvement of "sexual quality of life" for women. In men, not so much... Sorry guys! However, the JAMA report goes on to say that men who are being treated with positive airway pressure for sleep apnea should certainly continue its use.
Ok, now comes the fun part for women seeking life insurance! Women of middle go through menopause. Typical symptoms include night sweats for no apparent reason. BUT, did you know that night sweats during menopause can mean that you might have sleep apnea? This issue has been research heaviliy recently and, according to the National Sleep Foundation:
"Generally, post-menopausal women are less satisfied with their sleep and as many as 61% report insomnia symptoms. Snoring has also been found to be more common and severe in post-menopausal women. Snoring, along with pauses or gasps in breathing are signs of a more serious sleep disorder, obstructive sleep apnea (OSA)."
So, you see, there's a big connection between sleep apnea and menopause. Seems like many sleep disorders manifest themselves during peri-menopause and post-menopause and life insurance companies will want to see your medical records to make sure that you've reported these conditions to you primary care physician and that any treatment has been recommended, like CPAP or oral appliances. For women, sleep apnea simply hasn't been a primary diagnosis because most endocrinologists and gynecologists are focused on the hormonal effects of menopause. Snoring could be your first clue that your sleep pattern has changed.
Another concern that life insurance carriers have with underwriting a life insurance policy with sleep apnea is that sleep problems are often accompanied by depression and anxiety. With these mental health issues comes an increased risk of suicide and other co-morbidity factors which underwriters would add a surcharge or "policy rating". This can add significantly to the premium you pay.
So, ladies, don't ignore those night sweats and snoring if you sleep partner complains to you. You will both sleep better if you seek a medical opinion and sleep apnea life insurance for women wont be an issue!
Once you get your treatment set up and you have a few weeks of CPAP therapy under your belt, you're ready to go to a life insurance carrier to see if they would offer a life insurance policy. On this front, you need to use a special risk life insurance broker who has solid experience with women and sleep apnea life insurance. The worst thing you can do when you are looking for sleep apnea life insurance for women is to go to a "captive" agent for a single life insurance company. Those agents do not have the ability to shop your sleep apnea case to many different carriers. They owe their allegiance to that specific life insurance company and that carrier may or may not be good at underwriting sleep apnea life insurance policies. A good sleep apnea life insurance broker will be able to help present your case to the insurance carrier in the best possible light. I will say, that since I have been treated for OSA since 2004, I am uniquely qualified to help clients get the best possible sleep apnea insurance rate classification.
bonus section--a real sleep study summary
I've included a copy of my most recent sleep study from Stanford Sleep Medicne done in 2014 below. This was a "titration study" performed so I could update my CPAP equipment. The medical insurance carriers do require follow up studies be done periodically. In my case, I have been using the same CPAP machine for about 6 years. I can tell you that the new CPAP/BiPAP machines are amazing and life insurance carriers LOVE the CPAP telemetry feature where you get a "mini" study every night. My average AHI readings on my new CPAP/BiPAP is roughly 2.5-2.9 which is essentially a normal reading. If you haven't updated your CPAP equipment, definitely do so ASAP. The life insurance carrier may in fact give you a better rate just for updating your sleep apnea equipment.
(By a life insurance broker who suffers from OSA himself)
If you are searching for sleep apnea life insurance, you'll love this article...
Let's face it, sleep apnea is a pain in the neck! So many more people have been diagnosed with it in the last 25 years that it's now a huge industry.
That also means that if you've been diagnosed with sleep apnea and you need, or think you need life insurance, you'll need someone to guide you through the life insurance process.
And that's exactly what'll I'll do in this article. You see, you're not alone in this. I have moderate OSA and I "get it".
So, keep reading and you'll get the most information on sleep apnea life insurance on the internet. You'll also get ACTIONABLE steps you can take to get the lowest price on your life insurance.
Simply keep reading feel free to chat with us in the chat box if you have any questions!
My Name Is Chris Acker, CLU, ChFC. I'm a life insurance broker and I have sleep apnea... I Was Diagnosed With OSA In 2004. My AHI Without Treatment Was 35. I Started Using CPAP In 2004 And My Life Changed! My New BIPAP Device Measures My AHI At About 2.5 Each Night. my life insurance company now loves me since i'm CPAP compliant!
I know that getting life insurance with sleep apnea is vital to your family. I also know that it's difficult and confusing when you know your have sleep apnea and you want to get term insurance. There are hundreds of online term insurance quote sites out there, but none that specialize in sleep apnea life insurance. I've put this resource together for YOU, the sleep apnea sufferer. Please CALL US to ask any questions at all!
According to the National Sleep Foundation sleep apnea is very common, as common as type 2 diabetes. It affects more than 54 million Americans. It's a major contributor to many road and driving accidents across the country. Drowsy driving causes at least 100,000 wrecks, about 1,500 deaths and billions of dollars in property damage annually.
The problem is, many people don't know they suffer from sleep apnea. Their condition goes either undiagnosed or misdiagnosed.
That's why we've put This Guide Together For You And Compiled A Ton Of Information All In One Place So We Can Help You Get The Information About Your Sleep Apnea Condition and how to navigate the life insurance with sleep apnea maze
In This New 2018 Guide You'll Learn:
Just know, that there's an awesome life insurance policy out there for you!
By paying attention to this guide, learning about the condition, and understanding what the life insurance companies are looking for will put you miles ahead on the road to low-cost high-quality sleep apnea life insurance. So enjoy, learn and share this resource with those you care about!
Sleep apnea is a sleep disorder characterized by pauses in breathing or periods of shallow breathing during sleep. Each pause can last for a few seconds to a few minutes, and they happen several times a night. In it's most common form, this is followed by loud snoring.
There are three types of sleep apnea:
Central sleep apnea (CSA) is characterized by symptoms of frequent starts and stops of breathing during sleep, which leads to regular nighttime awakening. CSA is much rarer and occurs when an abnormality in the brain fails to maintain proper breathing when you are asleep. The estimated average lifespan of someone who suffers from CSA is 20 years shorter than the norm. Some of the causes of CSA can be extremely serious. Here are a few:
People who suffer from moderate to severe OSA are 4x more likely to die when the sleep disorder is left untreated. If your OSA is untreated, you are likely sleep-deprived. Adequate uninterrupted sleep is essential for our bodies to heal itself. And the frequent fragmenting of your sleep caused by sleep apnea's dysfunctional breathing patterns means you aren’t getting the restorative rest your body and brain need to function at optimal levels, potentially causing you to injure yourself.
Sleep apnea can have severe and life-shortening consequences if left untreated. Sleep apnea is associated with heart disease, high blood pressure, diabetes, and stroke. Sleep apnea can cause depression, impotence, memory problems, headaches, and weight gain. It has even been linked to car accidents caused by people with sleep apnea falling asleep at the wheel.
Continuous Positive Airway Pressure (CPAP) is the leading therapy for sleep apnea where patients wear a face or nasal mask during sleep. The mask is connected to a pump that provides a positive flow of air into the nasal passages to keep the airway open.
Speaking of life expectancy, the average life expectancy of a CPAP machine is about 20,000 hours, or approximately seven to eight years of full-time use. If properly cared for, a CPAP machine will last much longer. Many properly maintained machines have been known to last as long as 50,000 hours.
However, you may find that you will have to replace your mask more frequently as they do wear and tear and for hygiene reasons. The good news is that most health insurers may provide new supplies according to these replacement schedules. Check with your insurer to find out if you’re eligible to have your CPAP equipment replaced regularly.
"Men with severe obstructive sleep apnea were 58 percent more likely to develop new congestive heart failure over eight years of follow up compared to men without sleep apnea," says Daniel Gottlieb, study author and associate professor of sleep medicine at Harvard University's School of Medicine. Researchers monitored 1,927 men and 2,495 women over 40 years of age.
All participants were free of coronary heart disease and heart failure at the start of the study. Study participants used polysomnograms as they slept to measure the presence and severity of sleep apnea as calibrated on the Apnea-Hypopnea Index (AHI). According to Dr. Gottlieb, "...there is a lot of undiagnosed sleep apnea, and that, at least in men; it is associated with the development of coronary heart disease and heart failure. Only about 10 percent of sleep apnea cases are ever(sic) diagnosed."
pro tip-- your life insurance broker should know this stuff. if not, find a new one!
People suffering from any type of sleep apnea can typically get some form of life insurance.
Because obstructive sleep apnea is the most common type of sleep apnea, it will be the main focus of life insurance underwriting. With an individual policy, only people with obstructive sleep apnea, typically can get life insurance. Unless you can document that your CSA condition was temporary, or caused by environmental factors. for example, high altitude. Sleeping at an altitude higher than you're accustomed to may increase your risk of sleep apnea. High-altitude sleep apnea is no longer a problem when you return to a lower altitude. This situation would most likely be favorably viewed by insurance companies who specialize in life insurance with sleep apnea.
The underwriting scenario for people with obstructive sleep apnea would be “standard” life insurance rates. However, there are select companies that may consider better rates if everything else about you meets their requirements.
A "rating" is a surcharge based on an expectation of higher claim expenses due to any medical condition, family history-related medical conditions, or lifestyle activities. Sleep apnea will affect the insurance rating and premium. If you have a chronic condition, you are more likely to be rated than someone with a temporary health problem. The severity of the health problem also plays a role in setting the rating. When your sleep apnea is properly treated and is under control, it may not be a factor in determining your premium.
Insurance companies take sleep apnea very seriously when considering applications for life insurance. In some cases, insurance companies will decline sleep apnea for life insurance coverage. In the event that the policy is approved, expect the premiums will be higher compared to an otherwise healthy person.
In addition to higher premiums, some life insurance companies limit the amount of coverage they will provide to a person who has sleep apnea. The life insurance company will want to know that you are seeking treatment if you have sleep apnea like using CPAP on a regular basis, how consistent you are with the treatments, and the results of your sleep study. Premium rates range from standard to preferred if the condition is severe and if you are complying with the treatment regimen.
When getting approved for term life insurance with sleep apnea, the first thing that the insurance company will want to know is are you wearing your CPAP on a regular basis. They’re also going to want to see the results of wearing your CPAP, also known as a sleep study. As with most high-risk life insurance conditions, people are expected to pay more for their life insurance premium if they suffered from sleep apnea.
The key is demonstrating that your sleep apnea is controlled and you’re taking all the necessary steps to treat it. If you can demonstrate that and you have no other conditions, then, you can enjoy cheap term life insurance.
For people diagnosed with Obstructive Sleep Apnea (OSA), many medical insurance companies will provide payment for a medically-indicated sleep study and also cover for in-home sleep studies. They may even cover the CPAP machine and other related accessories and supplies, provided that specific coverage criteria are met such as physician chart notes, diagnosis of OSA, qualifying sleep study, and prescription from your treating physician detailing what equipment and supplies are needed.
The bottom line is that insurance carriers want to see an AHI of less than 5 with or without use of a corrective device, CPAP treatment, or surgical treatment in order to consider you for "preferred" rates on your policy.
If you can achieve this, and you have good vital signs and a decent health history, you could possibly qualified for "preferred" rates. However, most folks who suffer from sleep apnea have multiple health conditions, and that's what scares the insurance company underwriters. In medical parlance, these are called "co-morbidity" factors, and the more of these factors you have, the more difficult it will be to get "preferred" or "standard" life insurance rates.
The choices for people who suffer from central and mixed apnea are limited, and they may need get their life insurance with a group plan through their employer or consider some form of guaranteed issue policy.
Several chronic respiratory disorders such as sleep apnea may be considered pre-existing conditions and may result in patients to be charged higher rates for insurance. Additionally, one insurance company in one state might accept a patient with sleep apnea while another would not.
According to Adam Amdur, the executive director of the American Sleep Apnea Association says:
"A diagnosis of sleep apnea can result in a 'decline to cover' by a life insurance company. If the insurance company does provide coverage, it will be [at] a much higher rate and [with] a limitation in the amount of coverage available."
Many insurance companies consider sleep apnea a high risk. Anything that increases risk for the insurer will ultimately result in the increase in the premiums that you pay. However, depending on the severity of your sleep apnea, you may be able to qualify for standard or even better rates.
Sleep apnea alone would not be a reason for outright denial. However, if other known risk factors, such as obesity and high blood pressure are present, it could result in a less than favorable life insurance rating and much higher life insurance premiums. It may even result in either a decline in coverage.
Another factor that could affect life insurance consideration is the level of treatment you are undergoing to treat your sleep apnea. Expect an unfavorable decision if you cannot show that you are not undergoing treatment for your condition.
It is true that in general terms, certain companies are “friendlier” to people with certain risk factors than other companies. Some may be more competitive for people with OSA, others for people with a cancer history, and still others for people who climb mountains. But carrier selection is not that simple.
First, let's take a look at a real life underwriting questionnaire we use to help the life insurance company determine whether or not they can even consider your application. This sleep apnea questionnaire is a vital first step that helps us present your case to the underwriter who is not able to see you and speak with you and has no clear picture of you except the application paper. So, it's our job to "field underwrite" the case/applicant for the home office underwriter. They truly rely on the broker who knows you to fill them in on the details of your sleep apnea and any other extenuating circumstances.
Here's a copy of the sleep apnea questionnaire. I've annotated the various sections based on my experience helping families get sleep apnea life insurance. Let's take a look:
(click on the photo and you can zoom into the notes)
All these factors come into play when an underwriting department looks at a potential applicant.
This is why you must be pre-qualified for coverage so that they can all be addressed adequately. Your broker needs to be able to test the waters for you and obtain a quote about which you can be confident you will be approved. Don't focus on the best rate class if you have Type-2 diabetes. sleep apnea, hypertension, and obesity all combined. Preferred life insurance rates simply won't happen.
After your broker does her homework by discussing your case with company underwriters, you can be sure it makes sense to submit a formal application. You'll be glad you took the extra time early in the process rather than getting your hopes up for an unreachable life insurance rate class.
Being diagnosed with sleep apnea can cause your life insurance rates to increase.
Before you buy life insurance, learn about who the best life insurance companies are so you’re not paying too much.
So, here's our list of the life insurance companies with best outcomes on life insurance applications with sleep apnea, especially with co-morbidity factors. (Think diabetes, high blood pressure, insulin resistance, depression and high cholesterol)
According to Dr. Richard Schwab, a professor of sleep medicine at the Hospital of the University of Pennsylvania, TONGUE FAT is one of the current focuses of cutting edge sleep apnea research. This ties completely into the correlation between obesity and sleep apnea.
Here's a quote from a Huff Post article on sleep apnea:
"One of the things we are trying to better understand is the correlation between obesity and sleep apnea, so our recent research has studied the relationship between sleep apnea and tongue fat.
Most people don’t think there is a lot of fat in the tongue. We eat all the time, we talk all the time, we are always breathing — we are using our tongue muscle all the time, so why would there be a lot of fat in at the tongue? It turns out that in those with sleep apnea, about 32 percent of the tongue is fat, while in obese people who do not have sleep apnea, the number is about 27 percent, which is a large difference.
We are still trying to understand why there is fat in the tongue, but we know that tongue fat is going to be important in understanding the development of sleep apnea. We are also trying to understand if weight loss reduces tongue fat and if there are other ways to reduce tongue fat."
There are a variety of ways to possibly cure your apnea including oral appliances, head bands, radiography, and surgical procedure. Most physicians agree that surgery is usually the best option for to permanently cure sleep apnea, however, there are many factors which go into the definition of being cured. However, the sleep specialist ALL AGREE that the #1 first step in treating sleep apnea is to LOSE WEIGHT if you are obese!
For patients who have tried and failed with the CPAP machine, there is a new alternative, that clears the obstruction by moving your tongue forward as you sleep.
The Inspire pulse generator is implanted in your chest like a pacemaker. This FDA-approved therapy has two leads.
The first lead is placed in the chest to sense when a patient inhales. The second lead, is place in the tongue and as a patient breathes, uses a mild stimulation to nudge the tongue forward. That movement of the tongue, opens the airway, and clears the obstruction that causes poor sleep.
The concept is so novel, the Cleveland Clinic named the technology one of the Top 10 Medical Innovations for 2018.
Typical life insurance carriers won't have had much underwriting experience yet with this new implant approach.. Your life insurance broker will need to educate the underwriter by writing a strong cover letter, including some of the clinical literature from this treatment. In my opinion, this should not be an issue and will only enhance the underwriting process for applicants.
if you're applying for life insurance, keep these three criteria in mind for your sleep apnea condition
In the opinion of world renowned sleep doctor and oral surgeon, Dr. Kasey Li of Palo Alto, CA, you are "cured" when you have:
Dr Li is arguably the leading maxillofacial surgeon in the country having performed thousands of sleep apnea surgical procedures, most notably, Maxillomandibular Advancement surgery, or MMA surgery.
For a scholarly paper about MMA and MMO surgical procedures and their efficacy see Dr. Nelson Powell of the Stanford Head and Neck Surgery Department.
What is a “cure”? My answer is…That Depends. It depends on what is causing the high AHI or RDI or ODI. These are really just symptoms. We are in the age of personalized….or I prefer the term precision medicine. So let’s get real. Where is the point of the collapse of the airway that is causing the problem. If more than one area then lets learn how to evaluate this. Does the patient have NPO? Then we need to say: What is causing the NPO? WE need to treat the cause. We need each other to move “airway” treatment (which includes sleep) to the next level.
These sleep apnea surgery statistics are very much in favor of surgery if you are young and NOT obese. The best thing folks with apnea can do is to lose weight, stop smoking and consume less caffeine and alcohol to start.
It’s tests like these on the ability of people with sleep apnea to drive safely that has affected your approval or premium calculations by car insurance companies.
Insurance companies define their level of risk insuring you based on your driving history. If your driving history is riddled with traffic violations and accidents, it will have a negative impact on the cost of insurance.
And if any of those accidents were specifically related to your sleep apnea, then yes, your sleep apnea will affect your car insurance. They may view you as high-risk. However, if you can prove that you have your sleep apnea under control, then insurers may quote you. Remember, insurance carriers focus on you and if your sleep apnea has a direct impact on your ability as a driver, then you will be perceived as a risk.
Insurance companies calculate differently so it’s important that you get quotes from multiple insurers. With these quotes, you can compare between different companies who offer the same level of coverage.
Car insurers price their premiums based on statistical and individual risk characteristics. The riskier you are perceived to be as a driver, the more expensive your policy will likely be. Your assessment will rely on your ability to justify that you have your sleep apnea under control and proof that no history reflects that your sleep apnea has had any adverse effects on your driving ability.
There are no driving regulations stated in relation to sleep apnea... YET!
A person with a medical condition or clinical diagnosis that may interfere with their ability to drive safely cannot be medically qualified to operate a commercial motor vehicle (CMV) in interstate commerce.
i invite any and all comments below. i would especially like to hear about your experiences with your Treatment and Whether you or a family have had a problem buying life insurance due to sleep apnea. Thanks for reading!
See what kind of term life insurance rates you might qualify for if you have sleep apnea!