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.