"please keep me updated about oximeters "
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Life Insurance/Sleep Apnea
Life Insurance for Sleep Apnea patients, as seen from the perspective of the life insurance industry:
"I have been seeing more applicants lately who have been diagnosed with sleep apnea. What is sleep apnea it and how does it affect life insurance underwriting?Apnea is cessation of breathing. There are three types of apnea that occur during sleep: obstructive, central and mixed. According to Prudential Life insurance, obstructive sleep apnea (OSA) is the most common type, affecting approximately 4% of men and 2% of women, but it is greatly under-diagnosed. Common symptoms are excessive daytime sleepiness (EDS) and loud snoring. In addition, the sleep partner often reports the cessation of breathing.The dangers associated with untreated sleep apnea, and those of interest to life insurance underwriters, are hypertension (and other cardiovascular impairments), obesity and the risk of motor vehicle accidents.Underwriting rating for sleep apnea is determined by the severity of the disease, as measured by the number of apnea episodes per hour and the degree of hypoxia (low blood oxygen level). Type of treatment, age and co-existing disorders such as heart or lung disease are also considered in the final assessment.With sleep apnea, we will often get multiple offers for our clients, as underwriting results for this disease can vary significantly. Your agent or broker should be able to get multiple offers through an informal or inquiry application."
Views: 70
Replies to This Discussion
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Permalink Reply by Mary Z on
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I was turned down for life insurance from my partners company, but OSA was only one of the reasons. They think bipolar disorder and possible early dementia will kill me soon. That was term insurance. I'd hate to try and get whole life. I'm luckily in that no one will be hurt by the loss of my income- no children to think about. I want the least expensive possible cremation, and a cardboard box and plastic bag to hold. the ashes until they go into the bay. I wanted the insurance for my roommate, if she survives me, to throw a big party celebrating my life. Now it will have to be pot luck, BYOB.
Seriously, this is a real problem for breadwinners
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Permalink Reply by Lisa on
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Mary,
Bipolar disorder is an issue that not many companies know how to underwrite. I do know an agent that is quite successful in getting term insurance for people with bipolar disorder as well as sleep apnea. There are certain guidelines that have to be met. If you would like more information, just Google bipolar life insurance. His name is Ed Hinerman.
Mary Z said:I was turned down for life insurance from my partners company, but OSA was only one of the reasons. They think bipolar disorder and possible early dementia will kill me soon. That was term insurance. I'd hate to try and get whole life. I'm luckily in that no one will be hurt by the loss of my income- no children to think about. I want the least expensive possible cremation, and a cardboard box and plastic bag to hold. the ashes until they go into the bay. I wanted the insurance for my roommate, if she survives me, to throw a big party celebrating my life. Now it will have to be pot luck, BYOB.
Seriously, this is a real problem for breadwinners
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Permalink Reply by Mike on
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A guy I know who is a hard-living alcoholic but the same age as me got the same term policy as me for less than 1/2 the price. I'm super healthy but for the sleep apnea, which was looked at by the underwriters as a huge risk factor even though I'm treating it.
Lisa said:Mary, Bipolar disorder is an issue that not many companies know how to underwrite. I do know an agent that is quite successful in getting term insurance for people with bipolar disorder as well as sleep apnea. There are certain guidelines that have to be met. If you would like more information, just Google bipolar life insurance. His name is Ed Hinerman.
Mary Z said:I was turned down for life insurance from my partners company, but OSA was only one of the reasons. They think bipolar disorder and possible early dementia will kill me soon. That was term insurance. I'd hate to try and get whole life. I'm luckily in that no one will be hurt by the loss of my income- no children to think about. I want the least expensive possible cremation, and a cardboard box and plastic bag to hold. the ashes until they go into the bay. I wanted the insurance for my roommate, if she survives me, to throw a big party celebrating my life. Now it will have to be pot luck, BYOB.
Seriously, this is a real problem for breadwinners
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