Blogs > Sleeping with CPAP

Assistant News Editor Lee Dryden was diagnosed with sleep apnea and uses a CPAP (continuous positive airway pressure) machine to assist with breathing while sleeping. From a layman’s point of view, he will discuss the benefits, issues, challenges and frustrations of sleeping while wearing a mask.

Tuesday, June 12, 2012

Life insurance for those with sleep apnea? Yes!

  Sleep apnea can affect many aspects of your life — including your pocketbook.
  I learned this recently when purchasing a new life insurance policy but the result could have been much worse.
  After going through a physical to see if I qualified for coverage, I was approved at a higher rate than low-risk applicants and my apnea was cited on the report.
  Clearly, an industry that makes its profit when it doesn’t have to pay is leery of the well-documented variety of health woes resulting from sleep apnea.
  I suppose the glass-half-empty view would be that I am paying a few more dollars each month.
  But it’s reasonable to assume the rate would have been much higher — or I could have been denied coverage completely — if they did not have a report from my doctor saying I have been using CPAP effectively.
  A recent report from FOX Business discusses the importance of showing you are taking your treatment seriously.
  Bottom line: Don’t assume you can’t get life insurance if you have sleep apnea. Yet another example of CPAP saving the day.

8 Comments:

Blogger tomcruse said...

Thanks for the nice post. CPAP machines are best in class to cure sleep apnea problem.

June 14, 2012 at 12:46 AM 
Blogger Get Life Insurance said...

Everyone should certainly have equal access to life insurance regardless of pre-existing conditions. However, you could end up paying a higher premium as rates are calculated based on the risk of you dying.

Regards,
Chris from getlifeinsurance.co.za

June 28, 2012 at 7:02 PM 
Blogger Life Insurance in India said...

In present time, life insurance has become an integral part of human life; therefore, large numbers of people opt for life insurance plans. I like your Life Insurance Blog.

July 17, 2012 at 3:41 AM 
Blogger Muhammad Zahid Iqbal said...

This comment has been removed by the author.

September 21, 2012 at 11:24 PM 
Blogger Muhammad Zahid Iqbal said...

After going through a physical to see if I qualified for coverage, I was approved at a higher rate than low-risk applicants and my apnea was cited on the report.LA Car Accident Lawyer

September 21, 2012 at 11:29 PM 
Blogger Jazmine Collins said...

Great post!

February 21, 2016 at 4:25 AM 
Blogger Jazmine Collins said...

This comment has been removed by the author.

February 21, 2016 at 6:51 PM 
Blogger Jazmine Collins said...

Thank you for your great article on life insurance. You have a great point, getting life insurance is probably a very good idea for people with sleeping disorders such as this. I have issues with sleep apnea myself and I was fortunate enough to find life insurance in Wakefield MA that offers some great coverages and options for me and others in similar situations If you're looking for great resources on making an insurance decision such as this I would suggest visiting the Marchionne Insurance website.

February 23, 2016 at 9:26 PM 

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