Facts Regarding Life Insurance and Breathing Disorders

Many people who developed respiratory problems caused by COVID-19 will find it difficult to be issued a life insurance policy. Life insurance companies are very hesitant to issue policies to people with respiratory illnesses and diseases, such as:

• Asthma
• Chronic Obstructive Pulmonary Disease (COPD)
• Chronic Bronchitis
• Emphysema
• Lung Cancer
• Cystic Fibrosis/Bronchiectasis
• Pneumonia
• Pleural Effusion

Sleep apnea is also of major concern to life insurance companies and could be a reason for someone being denied coverage.

Let’s take a brief look at what sleep apnea is, its treatment, and life insurance solutions available for people with this disorder.

What is Sleep Apnea?

According to the Mayo Clinic, sleep apnea is a potentially serious sleep disorder in which breathing repeatedly stops and starts as you sleep. People that snore loudly and feel tired even after a full night’s sleep can have sleep apnea.

The most common form of sleep apnea is “obstructive sleep apnea,” which happens when the throat muscles relax and obstruct the air passage, which can cause a person to gasp for air during sleep, have difficulty staying asleep, and are excessively tired during the daytime. The most severe sign of sleep apnea – episodes where you stop breathing while sleeping – would be reported by another person.
The Treatment of Sleep Apnea

Continuous Positive Airway Pressure (CPAP) therapy is an often used treatment method for people with sleep apnea. CPAP machines use mild pressure to keep the airways open and ensure that the airways don’t collapse when you breathe while asleep.

A CPAP machine is used for CPAP therapy and is commonly prescribed by doctors and sleep technologists. When using the machine, you wear a mask that covers your nose and mouth, which is connected to a tube attached to the CPAP machine’s motor, which then blows air into the tube.

Sleep apnea in older adults can be a reason that they are denied life insurance protection. Even though you may be using CPAP therapy, some life insurance companies still feel the risk is too high to issue a life insurance policy.

Life Insurance For People With Sleep Apnea

Fortunately, there are well-known and highly reputable life insurance companies, such as Mutual of Omaha, Gerber Life, and AIG, that offer whole life insurance and final expense insurance to people with sleep apnea and the other breathing disorders and diseases listed above.

The goal is always for immediate Day 1 coverage which is common for certain respiratory disorders, but these mentioned insurance companies offer a type of whole life insurance known as “Guaranteed Issue Life Insurance.” If you are between the ages of 45-85 and you apply, coverage is guaranteed. There is no physical exam required, and no doctor’s records are needed.

Contact Oscar Young For A Free Quote Today

Experienced life insurance agent Oscar Young can help you if you have a breathing disorder and have been denied coverage, have been quoted unaffordable rates because of your disorder, or you’ve just been reluctant to apply for coverage for fear of being declined.

Oscar will give you quotes regarding your specific condition and determine if eligible for Day 1 or guaranteed issue from the best life insurance companies at an affordable rate. Contact Oscar today at (312) 625-0133 or visit his website at www.LiteQuote.com.