Sleep Apnea

Breathing stops for a short period during sleep.

Likely Underwriting Decision

Mild disease and no complications: Standard Compliance with prescribed therapy could be Preferred

Moderate disease:

  • Treated and compliant with therapy: Standard
  • Untreated and no complications: 150% to 200%

Severe disease:

  • Untreated and no complications: 200% to decline
  • Treated and compliant with therapy: Standard to 150%

Use higher ratings if applicant <age 50

Factors Affecting the Decision

  • Current age
  • Type of apnea (obstructive, central or mixed)
  • Severity
  • Treatment (CPAP or surgery)
  • Compliant with treatment
  • Date of last sleep study
  • Current height/weight
  • Concurrent impairments such as CAD, arrhythmia, PVD, hypertension
  • Smoking history

Fast Track the App


Fast Track:

  • Sleep studies, details of treatment and compliance
  • Details of risk factor control (e.g., build, medications) and lifestyle modification (smoking, tranquilizers)