How Does Sleep Apnea Affect Life Insurance? 
Sleep apnea can affect life insurance ratings on premiums . The severity of the sleep apnea can effect coverage from a standard issue to a decline for coverage . The underwriters are more concerned with the symptoms associated with the sleep apnea . If it is causing high blood pressure , insomnia , depression , etc. and not controlled most carriers would decline . If it is controlled surgically or with a Cpap machine the rating would be minimal . 