How Does Sleep Apnea Affect Life Insurance? 
If sleep apnea is mild and controlled , it has little effect on life insurance rates with some companies . If it is severe and there are still symptoms of sleep apnea -LRB- daytime sleepiness , high blood pressure , etc -RRB- , then life insurance with a medical underwritten policy may not be attainable . In that case there are simplified issue policies that would work . Most sleep apnea cases fall somewhere in between . If a follow up sleep study has been done , use of Cpap or other treatment is consistent , and symptoms of sleep apnea are resolved , the person with sleep apnea can get traditional life insurance at moderate rates . 