Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like sleep apnea. Many insurance companies decline sleep apnea coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
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When you’re dealing with sleep apnea, finding the right life insurance company that will look at your case with leniency can be very difficult. You may have heard that you can’t get a good health classification or that you may even be declined because of your condition.
However, life insurance companies all view health conditions differently, and there are numerous factors involved in determining your rating class. We are experienced in gathering pertinent information to help portray your condition in the best light to insurance companies. From there, we are familiar with which companies are more willing to offer better rates to people who other companies may consider “high-risk” applicants.
We have high-risk experts on our team who can help you shop through all your life insurance options to help you find your best rate.
Sleep Apnea and Life Insurance
If you have sleep apnea, you actually may be able to obtain a preferred or preferred plus rate! The way insurance underwriters view your case depends largely on whether or not your sleep apnea is under control or not. You can get these rates of your sleep apnea has been treated and you have completed a sleep study in the last three years.
You may be facing higher rates if your sleep studies who you are unable to control your sleep apnea. You may also be at risk of higher rates if you have other health concerns like cardiovascular risks or high blood pressure. Furthermore, you won't be able to obtain coverage if you have not completed a sleep study recommended by your doctor.
Here is some information we would need to get started:
- How old were you when you were diagnosed?
- How is your sleep apnea being treated? (CPAP, weight loss, surgery, observation etc.)
- What type of sleep apnea do you have? (obstructive, central, or mixed)?
- Have you had any surgeries? (UPPP or tracheotomy)
- When was your last sleep study? What were the results?
- All medications being taken
- Do you smoke or use any tobacco products?
- Do you have any other underlying health issues?
Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options.
Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.