Some of the above effects of sleep apnea can be life threatening. Because it s such a common condition there are millions of americans with sleep apnea that are looking to get life insurance.
How Does Sleep Apnea Affect Life Insurance Rates Life Insurance
Therefore clients that have this condition should consider reading this entire article to learn more about sleep apnea life insurance.
Life insurance and sleep apnea. They deal with your application depending on the severity of the disorder which can be mild moderate and chronic. Combining these with the sleep apnea issue may take your rates to a different height or get you declined altogether. Read more to learn how carriers are often still able to offer great term life insurance rates.
Buying life insurance if you have sleep apnea is possible. Life insurance is as important for the 18 million americans with sleep apnea as it is for people without the disorder. The disturbances often cause the person sleeping to come out of a deep sleep state.
The agent will need to have experience in finding policies for people who have the condition and should know those companies that have the most favorable view of applicants who have sleep apnea. In this article we ll look at the factors behind life insurance rates for sleep apnea sufferers. In comparing insurers it is important to compare premium rates but you should also consider company ratings policy offerings underwriting standards and other relevant factors.
Sleep apnea and auto insurance. There are several top rated life insurance carriers that will offer life insurance with sleep apnea history. However if your sleep apnea causes you to drive poorly and get into accidents this would lead to high rates.
As a result life insurance companies can be very cautious while dealing with an applicant that has this disorder. Typically an individual with sleep apnea will quit breathing during sleep for a time period varying from a few seconds to a few minutes. The best life insurance companies for people with sleep apnea.
Because sleep apnea if left untreated can cause death and because sleep apnea can increase the risk of numerous other diseases life insurers are very picky when proposing any life insurance policy to any insured. In fact the life insurance industry considers sleep apnea a health risk which could affect how much you ll have to pay for a policy. And since people with sleep apnea are often restless while they sleep it can contribute to fatigue and slow reaction times when awake.
Sleep apnea is a condition that causes disturbances in breathing while sleeping. The bad news is that most people with sleep apnea may suffer from other health conditions as well such as type 2 diabetes obesity or even heart problems. Life insurance companies take sleep apnea very serious.
While it s a condition that s manageable see below for treatment options sleep apnea does affect life insurance rates. Various health issues affect term life insurance rates. As a result if you have the condition and you need life insurance you should work closely with a competent insurance agent.
How sleep apnea affects life insurance. With some companies you may even get preferred best rates. The individual will then usually begin breathing again occasionally with a snorting sound.
Sleep apnea affects life and health insurance but car insurance isn t directly impacted.
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