Sleep apnea shows up constantly in life insurance applications, and for most people it barely moves the needle — especially with treatment in place.
What matters most to underwriters
- Severity (mild, moderate, or severe, based on your sleep study)
- Whether you're using a CPAP or other treatment consistently
- Any related conditions, like high blood pressure or heart issues
What's typically realistic
Mild to moderate sleep apnea with consistent CPAP use often qualifies for standard or near-standard rates on simplified issue plans. Untreated or severe sleep apnea can still be approved in most cases, just potentially at a different rate or plan tier. It's rarely, on its own, a reason for a flat decline.
The Christian Circle can compare your specific situation across A-rated carriers, since sleep apnea guidelines vary noticeably company to company.
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