sleep apnea and life insurance?

tiredinVA · Post by **tiredinVA** » Mon Oct 07, 2019 12:58 pm

So I am 44, male, and have been diagnosed with moderate sleep apnea (33 AHI for REM and 14 for Deep Sleep) in July. I realized that I needed to purchase additional life insurance and am told rates are usually MUCH higher (or even declined) for sleep apnea sufferers. Anyone here got a standard or preffered rate due to treatment compliance?

LSAT · Post by **LSAT** » Mon Oct 07, 2019 1:03 pm

I'm sure SA is taken into account..especially if you have other ailments. I don't believe that rates will be "substantially" higher or that you would be denied if SA is the only thing that shows up. I sold Life Insurance about 15-20 years ago and you rarely heard of SA at that time. It was rarely diagnosed even though many had it. I don't think you will get preferred rates, but if your records show that you are a consistent CPAP user you should be OK. Go on line and look at 20 year term policies from the various companies.

dreamingofdreaming · Post by **dreamingofdreaming** » Thu Oct 10, 2019 1:09 pm

Hi there. I am a licensed agent. Yes, sleep apnea is a factor. You can usually still get a standard or even slightly better than standard rate if you are compliant with your treatment, your height and weight, blood pressure, other medical test and background qualify. I doubt you'll ever get the best rate available.

jnk... · Post by **jnk...** » Thu Oct 10, 2019 2:05 pm

I suggest not dying.

Or as Mr. Falk's character put it so eloquently in The In-Laws:

"The trick is not to get killed. That's really the key to the benefit program." -- https://youtu.be/p5FO9-3nXvg?t=54

zonker · Post by **zonker** » Thu Oct 10, 2019 9:35 pm

jnk... wrote: ↑
Thu Oct 10, 2019 2:05 pm
I suggest not dying.

Or as Mr. Falk's character put it so eloquently in The In-Laws:

"The trick is not to get killed. That's really the key to the benefit program." -- https://youtu.be/p5FO9-3nXvg?t=54

me? i'm going to live forever or die trying.

D.H. · Post by **D.H.** » Fri Oct 11, 2019 9:21 am

There is a two-year rule for Life Insurance in the US and Canada. That is, if you lied on the application and they don't catch it within two years they cannot cancel or change the policy. That applies if you're alive as of the second policy anniversary, and that your premiums are paid through that date.

This does not apply in extreme cases, such as sending an imposter to take a medical exam or procuring a policy with murder in mind. In those cases, the burden of proof would be on the insurance company.

It also doesn't apply for a misstatement of age or gender. In that case, the remedy is to adjust the terms of the policy (by changing the premium and/or coverage amount). However, they can't cancel a policy for those for those reasons. I'm not sure about changing one's gender (I left the industry long before that was ever considered).

BTW, the two-year rule was instituted because the insurance industry had become notorious for finding reasons to not pay (or reduce) death benefits. In order to continue to sell new business (and keep existing business in-force) that they had to offer a "no contest" clause. Eventually, this became so accepted that it's now the law throughout the US and throughout Canada.

LSAT · Post by **LSAT** » Fri Oct 11, 2019 10:40 am

DH is PARTIALLY right...The rule is 2 years in some states and 1 year in others. But this has nothing to do with the OPs question. No one is talking about giving false information. https://www.insure.com/life-insurance/l ... ility.html

jnk... · Post by **jnk...** » Fri Oct 11, 2019 11:03 am

LSAT wrote: ↑
Fri Oct 11, 2019 10:40 am
. . . nothing to do with the OPs question. No one is talking about giving false information. . . .

Perhaps not. But it does provide valuable insight as background that may be useful for determining the probable veracity of any and all information contained in past, present, and future statements by D.H., if any were undecided on that matter.

jimbud · Post by **jimbud** » Fri Oct 11, 2019 1:35 pm

jnk... wrote: ↑
Fri Oct 11, 2019 11:03 am

LSAT wrote: ↑
Fri Oct 11, 2019 10:40 am
. . . nothing to do with the OPs question. No one is talking about giving false information. . . .
Perhaps not. But it does provide valuable insight as background that may be useful for determining the probable veracity of any and all information contained in past, present, and future statements by D.H., if any were undecided on that matter.

So you are saying if you do not catch and confront D.H. when he is pissing on your leg while telling you it is raining.
Within a two year time frame.
He feels he is home free?
JPB

jnk... · Post by **jnk...** » Fri Oct 11, 2019 1:37 pm

jimbud wrote: ↑
Fri Oct 11, 2019 1:35 pm

jnk... wrote: ↑
Fri Oct 11, 2019 11:03 am

LSAT wrote: ↑
Fri Oct 11, 2019 10:40 am
. . . nothing to do with the OPs question. No one is talking about giving false information. . . .
Perhaps not. But it does provide valuable insight as background that may be useful for determining the probable veracity of any and all information contained in past, present, and future statements by D.H., if any were undecided on that matter.
So you are saying if you do not catch and confront D.H. when he is pissing on your leg while telling you it is raining.
Within a two year time frame.
He feels he is home free?
JPB

It's all part of the new American trickle-down theory, I understand.

babydinosnoreless · Post by **babydinosnoreless** » Fri Oct 11, 2019 1:51 pm

jnk... wrote: ↑
Fri Oct 11, 2019 1:37 pm

jimbud wrote: ↑
Fri Oct 11, 2019 1:35 pm

jnk... wrote: ↑
Fri Oct 11, 2019 11:03 am

LSAT wrote: ↑
Fri Oct 11, 2019 10:40 am
. . . nothing to do with the OPs question. No one is talking about giving false information. . . .
Perhaps not. But it does provide valuable insight as background that may be useful for determining the probable veracity of any and all information contained in past, present, and future statements by D.H., if any were undecided on that matter.
So you are saying if you do not catch and confront D.H. when he is pissing on your leg while telling you it is raining.
Within a two year time frame.
He feels he is home free?
JPB
It's all part of the new American trickle-down theory, I understand.

Snort .... wiping dr pepper off of phone screen. Good one !

palerider · Post by **palerider** » Fri Oct 11, 2019 2:18 pm

Must be where the Brit saying "taking the piss" comes from.

dreamingofdreaming · Post by **dreamingofdreaming** » Tue Oct 15, 2019 10:53 am

D.H. wrote: ↑
Fri Oct 11, 2019 9:21 am
There is a two-year rule for Life Insurance in the US and Canada. That is, if you lied on the application and they don't catch it within two years they cannot cancel or change the policy. That applies if you're alive as of the second policy anniversary, and that your premiums are paid through that date.

This does not apply in extreme cases, such as sending an imposter to take a medical exam or procuring a policy with murder in mind. In those cases, the burden of proof would be on the insurance company.

It also doesn't apply for a misstatement of age or gender. In that case, the remedy is to adjust the terms of the policy (by changing the premium and/or coverage amount). However, they can't cancel a policy for those for those reasons. I'm not sure about changing one's gender (I left the industry long before that was ever considered).

BTW, the two-year rule was instituted because the insurance industry had become notorious for finding reasons to not pay (or reduce) death benefits. In order to continue to sell new business (and keep existing business in-force) that they had to offer a "no contest" clause. Eventually, this became so accepted that it's now the law throughout the US and throughout Canada.

Most likely the insurance company is going to review your medical records when you apply for life insurance.

D.H. · Post by **D.H.** » Tue Oct 15, 2019 9:06 pm

dreamingofdreaming wrote: ↑
Tue Oct 15, 2019 10:53 am

D.H. wrote: ↑
Fri Oct 11, 2019 9:21 am
There is a two-year rule for Life Insurance in the US and Canada. That is, if you lied on the application and they don't catch it within two years they cannot cancel or change the policy. That applies if you're alive as of the second policy anniversary, and that your premiums are paid through that date.

This does not apply in extreme cases, such as sending an imposter to take a medical exam or procuring a policy with murder in mind. In those cases, the burden of proof would be on the insurance company.

It also doesn't apply for a misstatement of age or gender. In that case, the remedy is to adjust the terms of the policy (by changing the premium and/or coverage amount). However, they can't cancel a policy for those for those reasons. I'm not sure about changing one's gender (I left the industry long before that was ever considered).

BTW, the two-year rule was instituted because the insurance industry had become notorious for finding reasons to not pay (or reduce) death benefits. In order to continue to sell new business (and keep existing business in-force) that they had to offer a "no contest" clause. Eventually, this became so accepted that it's now the law throughout the US and throughout Canada.
Most likely the insurance company is going to review your medical records when you apply for life insurance.

I wrote about the two-year rule to reassure everybody who has been paying premiums for years. You can't loose life insurance (or have the provisions changed) for having sleep apnea; even if you lied about it!

chunkyfrog · Post by **chunkyfrog** » Tue Oct 15, 2019 9:56 pm

And if they still figure out how to weasel out of payment, you will not know.
Because you're DEAD.

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