Sleep Apnea: Defined

The first cases of sleep apnea were discussed in 1965 and resulted in severely decreased blood oxygen levels, increased carbon dioxide production and congestive heart failure.

Sleep apnea is shallow breathing and pauses in your breath that can interrupt your sleep cycle. In 1981, the first non-surgical treatment was developed for sleep apnea.

A study conducted in 1993 found that a moderate form of sleep apnea affects nearly one in fifteen Americans, but even more severe types are highly treatable.

The classification levels for this condition are mild, moderate and severe. What level you are classified in determines your premium rate charges. Any insurance decline can make it more difficult to find a company that will approve your condition. Talk to an experienced agent first.

A rating is a surcharge based on an expectation of more expenses due to a medical condition similar to how your driving record affects your automobile insurance rates. Pre-existing conditions like sleep apnea can affect the insurance rating and the cost of the premium.

However, when the this condition is properly treated, it may not be a factor in determining your premium. It is essential to discuss potential issues with an insurance agent prior to filling out an application. A knowledgeable agent can direct you to a company that may look at sleep apnea in a more positive light due to experience.

If there are health problems such as obesity and sleep apnea, this combination can result in a decline of coverage or a very high rating, if approved. If you smoke or alcohol consumption is above average, chances of a decline again are more likely.

The most important step in any decision concerning life insurance is that you are seeking treatment if you have a condition. Generally, companies will ask for a sleep study and you may have to undergo periodic testing.

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