Life Insurance and Sleep Apnea

Can I get a Life Insurance Policy?

The most common form of sleep apnea is obstructive sleep apnea (OSA).

Diagnosis and severity are typically determined through an overnight polysomnography or Sleep Study, that will give the results of the Apnea Index and the Apnea/Hypopnea Index, as well as the oxygen saturation.

I have several carriers that will issue at Standard ratings.

The following questionnaire will help me determine how I can help you possibly qualify for a Life Insurance Policy. Look over the questions and, when we speak,  have the information available. This will help speed up the process.

Date of Birth:
Height and Weight:
How Much life Insurance do you need?:
Max. Premium: $__________/Monthly you can afford.
Do you currently smoke cigarettes?
Do you currently use any other tobacco products (e.g. cigars, pipe, snuff, nicotine patch, Nicorette gum…):
If you did you and form of tobacco, when did you last use any form of tobacco: _____ (Month) _____ (Year) Type used last:

(1) Please provide date of diagnosis:

(2) Has the Sleep Apnea been diagnosed as:

Mild , Moderate, Sever, Obstructive, Cental , Mixed

(3) Has the severity of the Sleep Apnea been:

Stable ,Increasing , Decreasing,  Fluctuating up and down ,Unknown

(4) Has an overnight sleep study (Polysomnogram) been done?

No or  Yes, If Yes : date: __________ Apnea Index: _______ Apnea/Hypopnea Index: ______ Oxygen saturation: _____%

(6) How is the Sleep Apnea being treated?

(5) Date Treatment began:

(7) Does the proposed insured have any of the following?

Overweight, Arrhythmia,Coronary Artery Disease,

Stroke, Depression, Lung Disease or  Other:

Please contact me today for a no hassle consultation. We can review the above questionnaire and I can get some Life Insurance Quotes. My number is 512-963-5000 or fill out our Contact Request Form.