Does Sleep Apnea Usually Affect Life Insurance Rates? 
Sleep apnea usually affects life insurance rates , but there are a handful of companies that can rate as good as Preferred or better with very mild , very well controlled sleep apnea , or sleep apnea that has been corrected by surgery . In the case of moderate to severe sleep apnea , uncontrolled sleep apnea -LRB- still having symptoms of excessive daytime sleepiness or not using Cpap or other treatment regularly -RRB- , or sleep apnea that has not been followed up to see if it is controlled , the rate for life insurance can be substantially higher or the policy can be declined . To get the most affordable sleep apnea life insurance rates , get a follow up study done after being put on treatment , use Cpap or other treatment plans every day , and if you have high blood pressure as a result of your sleep apnea , get it under control with medication . Keep in mind that your sleep apnea life insurance rate will also be based on your weight and other health and risk factors . 