If you have been diagnosed with sleep apnea but have not followed your treatment plan advised by your doctor, your life insurance premiums could increase by up to 50 percent.
Sleep apnea increases your insurance risk because, if left untreated, the sleep and breathing disturbances can lead to daytime drowsiness and, consequently, injuries or accidents and other potentially dangerous disorders, such as high blood pressure and heart disease.
The type of sleep apnea you have may not have an effect on your rates, but the underlying reason may. If your sleep apnea is caused by heart illness, for instance, your heart condition will also affect your rates. The underwriting procedure is used by life insurance companies to determine the risk of insuring you. Alternatively, if your sleep apnea is well-controlled, your illness may have little to no impact on your life insurance premiums, depending on your overall health.