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How To Qualify For Life Insurance With Sleep Apnea

How To Qualify For Life Insurance With Sleep Apnea

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In This Article, I’ll Talk About How To Qualify For Life Insurance With Sleep Apnea

Maybe you’ve been declined with an insurance company because of sleep apnea and you’re just doing your due diligence to see what your options are.

If that’s the case, definitely stick around because I’m going into deep detail on what you can do to get life insurance if you are, or have been, or a loved one has been diagnosed with sleep apnea.

Let’s jump right into it.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation on qualifying for life insurance with sleep apnea. Enjoy!

Here’s An Overview Of Today’s Topics:

What is sleep apnea?

Sleep apnea is a potentially serious sleep disorder in which breathing repetitively stops and starts.

There’s different kinds of sleep apnea, of course. The first one is obstructive sleep apnea. This is where it’s more of a physical malady than it is a nervous or central sleep apnea. And then there’s sometimes a complex sleep apnea where it’s a combination of one of those to a particular issues.

Sleep apnea symptoms include loud snoring, episodes of breathing succession. Causes of sleep apnea usually revolve around excess weight, smoking, being older and narcotic use. So let’s get right into figuring out if you’ve got this, if you fit one of those sleep apnea conditions.

Can you qualify for sleep apnea?

The short answer is most likely yes. The long answer is, it’s going to depend on your age. Generally speaking, we will be looking at rates between 25 and 85 years old. It also depends on other health issues, I can’t exactly determine just by a video if you can qualify. But I can guide you onto some ideas, however ultimately I have to have a conversation with you to give you a good idea if you could qualify. Please feel free to reach out to me if that’s the case. So let’s jump in and look at what you may qualify for.

There are several different types of life insurance for people with sleep apnea

It is important to know what your goals are, and then to figure out what your options are.

The top 5 reasons to purchase a life insurance policy

If you would like to receive a free, customized quote, give us a call at (888) 626-0439. Alternatively you can also send us a request using the box found to the left of this article.

You will speak with a friendly broker who can answer any questions you might have with no obligation to buy from us.

The first thing you need to do is figure out what you want your life insurance plan to do for you. Maybe you just want to cover final expenses such as cremation or burial expenses, or perhaps you want to have an income replacement plan. If you die then you don’t leave your spouse and family hanging and there’s a plan to take care of expenses to take care of them while they get back on their feet. Also, maybe you just owe a debt and you want to make sure you’ve got enough coverage to pay for those debts.

Second thing you need to consider is what kind of budget do you have in mind? I’m a big advocate of making sure that when you buy a life insurance plan, you make sure it’s easily affordable. I go so far as saying you want it affordable enough that it doesn’t even make a difference or a dent in your monthly income because you want to just buy the insurance and forget about it and just know it’s there when it’s needed. There’s potentially three different types of life insurance options. It’s just going to depend upon the severity and the kind of sleep apnea that you have. For instance, you’ve got term life permanent and guaranteed acceptance.

Different types of life insurance for people with sleep apnea

Hard to place examples of clients with serious health issues

In this section I want to detail some examples of how we have been able to help clients who have significant health issues, and have been previously declined, get quality life insurance in place. Some of these conditions may seem uninsurable, but you’d be surprised what we have been able to do for those who choose to work with a broker life us. 

COPD is a chronic disease that affects many people. A variety of health related issues can be linked to COPD including chronic bronchitis, asthma, emphysema, and black lung.Buy Life Insurance for Burial has helped many clients with COPD and related health issues get term and burial life insurance, even if they smoke. In fact, I had one gentleman in Alabama who had COPD and didn’t smoke and we were able to get him preferred plus pricing on his life insurance.

Diabetes can be a difficult condition to insure. It often results in high rates or even a declined application if the diabetes is advanced. Luckily we have a life insurance carrier that is more flexible with diabetic conditions, especially those with type 1 diabetes who take insulin on a regular basis. One particular client we worked with recently was able to get preferred coverage despite having diabetes.

Many people think cancer is uninsurable, especially if the person has struggled to get coverage in the past. Luckily, this isn’t always the case, especially if enough time passes. If not a lot of time has passed since remission or a diagnosis, guaranteed issue may be the only type of life insurance that an individual can qualify for. But with the passage of time, more options become available.

4.Liver or kidney problems
For those who suffer from chronic liver or kidney problems such as  cirrhosis of the liver or hepatitis, we work with a number of carriers who can often provide preferred coverage.We have even seen cases where a person with hepatitis C that has been recently cured or chronic kidney problems have been approved for preferred coverage.

5.Heart problems
Many people count out their options for life insurance because they have had heart attacks, strokes, stints, seizures, aneurysms, or pacemakers. The truth is all of these health conditions and concerns can, with enough passage of time, be insured with first day coverage.

We have worked with many individuals with heart concerns that have been able to get quality first day coverage with us, which was a great relief given their health concerns.

6.Neurological health issues
I’ve been able to provide first day coverage to many clients who suffer from systemic lupus SLE, Parkinson’s disease, or multiple sclerosis. Again this isn’t something you will commonly find with many life insurance companies because these types of issues are usually declined.

7.Behavioral health problems
Behavioral health problems include things such as depression, bipolar disease, schizophrenia, PTSD, and anxiety. Many individuals who suffer from these problems worry about getting declined for life insurance.

Luckily, thanks to our ability to work with a number of different providers, we have been able to qualify many clients suffering from any one of these health problems with first day, full coverage.  

Case study examples

First Child and Previous Declination

A couple recently reached out to me after having their first child. They shared with me something I can totally understand, as I have kids too. They said there is something about having your first kid that makes you think seriously about not just yourself but also the long term and protecting this new found love of your life.

This pushed them to look for life insurance that they could get in place to ensure their child would be financially secure should anything happen to either parent.

The only thing was that the husband had been recently declined with a local life insurance company that also serviced his home and auto insurance.

He wasn’t sure why he had been declined, as he was in generally good health. He was uncertain as to whether going through the process of qualifying for life insurance coverage through Buy Life Insurance for Burial would be a good use of his time since he had been declined before.

We see a lot of clients on a weekly basis, and most of them like this couple get approved for first day, full coverage. Though we can’t guarantee this outcome, it is certainly something we work hard to achieve.

I’m pleased to say this couple was able to sign their paperwork and go home with peace of mind in knowing their child would be taken care of if either of them passed away unexpectedly.

Income Increase and High Blood Pressure Concern

The reason this particular client reached out to me is that she had just received a significant promotion at her company. Along with an increase in responsibility, she had also received a raise. She realized this would impact her need for more coverage to protect her family who relied on her income. 

The only foreseeable issue with her application was that she had high blood pressure. She was taking regular medication to prevent any major health issues and worried this would impact her eligibility.

In the end we were able to secure first day coverage for this client at a premium rate. She was thrilled with the result and surprised at how affordable the additional coverage ended up being.

Though we can’t guarantee the same outcome for every applicant, we certainly do our best to provide quality coverage whenever possible.

If your curious what you might qualify for, call us at (888) 626-0439 for a free, no obligation quote. It takes 10 minutes or less and we will provide all the information you need to make a decision regarding life insurance coverage.

Top 5 reasons why people buy life insurance from a broker

1.Want the best rates
No one wants to pay more for life insurance than they have to. That’s why working with a broker is so important.Brokers represent a number of companies, which opens up the potential to search out the best possible rates to meet the individual needs of each client.

2.Wants the most coverage
Not only do you want the best rates you also want to stretch your money as far as possible to get the most coverage per dollar. Again, because we have access to a number of companies we are able to get the best overall package deal and maximize your overall coverage.

3.Wants client-focused service
Brokers are focused on the individual concerns of their clients. Every life insurance policy is unique in that it should meet the specific requirements of the applicant.At Buy Life Insurance for Burial we work hard to custom tailor our products to meet the goals and budgets of our clients. You won’t get that kind of individualized attention with an agent because they only have access to one product and are focused on selling that one product regardless of your unique goals.

4.Bias reduction
While eliminating bias completely is not possible because life insurance is dependant on the individual’s health, age, and a number of other factors, bias is certainly reduced considerably when working with somebody who has access to multiple options for life insurance coverage.

In exchange, the best options rise to the surface and allow you to get the best possible chance for quality life insurance coverage.

5.Appreciates options
When you work with a broker you have options. We work with a  number of companies, which allows us to shop for the best overall value deal. Agents, on the other hand, can only offer one singular product, severely limiting your options.

Being able to custom tailor your plan to meet your unique needs is important. Options do matter when it comes to creating a life insurance plan that gives you total peace of mind.

Here’s how all this works

Term Insurance covers for a temporary period of time. It’s only good for 10, 15, 20, 30 years generally speaking, and then it goes away. It’s temporary. It terminates as the name implies. The benefits though include its premiums. The premiums don’t go up typically with most term insurance plans, at least the ones I offer through that period of time, and usually get the most coverage per dollar of premium relative to the other types of options you have. So term insurance can allow for a large amount of coverage for a little a premium relative to the other options.

Top 7 reasons why people purchase Term Life Insurance

The biggest drawback of the term insurance is that you could outlive it. You have to understand when you buy it that you’ll probably outlive it because most term insurance plans do not pay out.

Why? Because the person lets it go or just simply outlives it and there are tougher underwriting standards when it comes to term life insurance relative to a simplified issue, whole life product. Here’s the thing with sleep apnea, to get right down to it, to kind of differentiate whether you can qualify or not, here’s some underwriting guidelines that I would consider.

First of all , untreated sleep apnea and central mixed sleep apnea is going to be a decline with most term products and some non-med products. We’ll get to non-med in a bit, but if you’ve got sleep apnea and you’re in a position where you haven’t had it treated, you haven’t talked or you’ve talked to a doctor but you haven’t gone through the process of resolving it.

And if they’ve determined you’ve got a mix between a physical sleep apnea versus something that is caught not cognitively so much, but as nervous or central related then they’re going to decline you for a traditional product.

If coverage is possible, usually it’s because there have been several years of positive treatments that need to be seen on paper so that if you do a more traditional underwriting, the insurance companies are going to want to see proof of an improvement in the sleep apnea treatment over a course of several years. If you’re already discouraged, please don’t be because there are other options.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage


The Whole Life Insurance

A whole life insurance is the opposite of term. This is what we call permanent protection. It doesn’t cancel because of age or health plus the rates never increase with the exception of what’s called universal life insurance. It’s not whole life. But what I offer if I can is what’s called guaranteed universal life plans.

The idea behind these, is that we can get a plan where the premium is fixed and get a lot more coverage relative to a whole life plan, but you have to pay the same premium for the rest of your life. And in exchange you have permanent protection. Third guaranteed universal life plan, you have the potential for first day full coverage and  you can’t be canceled due to age or health.

The biggest drawback with whole life is that the premium is higher than what you would get with term insurance because you’re buying a guaranteed product that will pay no matter when you die. So you’re paying a premium for a better product that will be there at any point. Here’s the thing: non-med fully underwritten, whole life are guaranteed universal life plans that will have similar underwriting standards compared to term.

What you read previously about mixed and central sleep apnea is going to apply to these. Now with that said, what we want to look at is if you have a non positive treatment or if you have central or mixed sleep apnea, you do have the potential for underwriting for a quality product, or what’s called simplified issue whole life.

Bottom line here, if you end up having some sort of mixed sleep apnea or central sleep apnea, understand that there is simplified issue whole life products available.

The reason I mentioned this is because the underwriting for sleep apnea is much more relaxed with those particular types of products than they are with traditional underwriting on term life insurance, whole life, or guaranteed universal life insurance. So don’t throw all the baby out with the bathwater if you feel like you’re getting frustrated because there may not be those types of options.

I specialize in these kind of simplified issue products I can give a lot better flexibility in getting coverage for sleep apnea regardless of the type that you have. And the other thing too that’s great about it is many of them don’t even ask about sleep apnea on the application. So it’s not even a factor in considering whether or not you’re going to qualify.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay


The last thing I want to mention here is what we call the trump card. And this is the last ditch effort when all else fails. It’s called guaranteed issue whole life insurance and it works like this:  the pros are that the premiums never go up to coverage, never canceled due to age or health, but the downsides tend to be that with guaranteed issue whole life. If this is the last ditch effort you’re going to go with, there’s no coverage for the first two years for natural causes of death. Only your money is refunded back to the beneficiary. It’s not until the payments are paid and for two years that the protection is full.

The other thing is that there is accidental death coverage from the first day that you make a payment on these guaranteed issue plans and there are limitations of coverage around the 25.000 mark. We can go higher if necessary, but I just want to stress one thing.

This is only an option in the most severe of sleep apnea cases where usually supplemental oxygen is used if you just have a table top unit and you use that, that’s usually fine. But that doesn’t mean ,if there’s other health issues, that those may have an implication on your coverage. Either way, I want to be totally upfront with you on what we’re looking at, here are some options and this would be a last ditch option.

Most likely you’d have some better choices. Hopefully you like what you see so far and you know that you can see there are some options and the next step is to just basically figure out how to qualify.

$50 a Month – Guaranteed Universal Life Insurance

$100 a Month – Guaranteed Universal Life Insurance

$150 a Month – Guaranteed Universal Life Insurance


Here is the process

Owner of David Duford with his son

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

First of all you apply, by finding an agent to apply with.

For that, I will of course nominate myself. Let me drop a quote for you, ask you some health questions, give you an idea of what you qualify for. And then once you like what you hear and once you accept it, you can apply typically over email or over the phone.

There’s really no requirement of a visit necessarily speaking. After several days or weeks the coverage will potentially get approved. Once it ends up getting approved, of course we have to wait for underwriting’s decision and then you’ll get your policy. And that’s it.

If you’re interested in qualifying for life insurance, visit my website. You can go to buy life insurance for and you can grab a free quote. I do ask that you messaged me first.

You can do that by clicking the contact box or the one at the top or the bottom and send me a quick message or just call me. The best way to reach me is 888 626 0439, and speak with me live. Leave a voicemail if you don’t reach me because I do speak with people all day long. But I promise I’ll get back to you as soon as I can.

It only takes me five to ten minutes to give you an idea of what you are eligible for. If you liked this article, please leave a comment. Also, feel free to subscribe to my YouTube channel if you found this information useful.

Thank you very much for reading this article. I hope it has proven useful in your search for life insurance if you have sleep apnea. If you would like to learn more about what we can offer, please call us at (888) 626-0439.

You can also send us a request using the box found to the left of this article. We hope to speak with you soon. Take care.


We work with individuals across the nation to secure the best life insurance rates.

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