Does Sleep Apnea Affect Ability To Get Life Insurance? 
Yes , sleep apnea will effect your life insurance rates and can possibly cause you to be declined for underwritten life insurance . The apnea does n't scare underwriters as bad as the risk of having sleep apnea . The lack of REM sleep needed to rest and recharge the body causes many problems such as high blood pressure , cardiac issues , breathing issues and a elevated risk of accidents due to dosing or lack of attention due to lack of REM sleep . 