Does Sleep Apnea Affect Life Insurance Rates? 
There are some life insurance companies that can rate as good as Preferred for mild sleep apnea that is regularly and well controlled by ventilation therapy . Moderate and severe obstructive sleep apnea will incur a higher cost , and generally require a follow up sleep study at least one year after diagnosis to show that sleep apnea symptoms have gone away with consistent use of Cpap , Bipap or other treatment . Central sleep apnea , uncontrolled sleep apnea , or very severe OSA may be declined by traditional policies , but can qualify for some simplified issued policies . 