Sleep Easier With Affordable Life Insurance Coverage with no obligation to buy.
Compare rates from top life insurance providers and save up to 58% on your life insurance.
We work with individuals across the nation to secure the best life insurance rates.
Life insurance is one of the most important investments that you’ll ever make for your family. It’s the best way to ensure that your family will have the money that they need if anything tragic were to happen to you. We know that buying life insurance can be a long and confusing process, but we are here to help.
There are dozens of different factors that go into finding the perfect life insurance company. Because there is an almost endless amount of options, it can be difficult to find the one that fits your needs the best, but if you have a health complication like sleep apnea, it can make the process even more frustrating.
Before we discuss the best life insurance options, we are going to detail sleep apnea to give applicants a better understanding of the condition. Sleep apnea is a highly common condition in the United States. In fact, around 18 million Americans are diagnosed with sleep apnea. Because it’s such a common condition, there is a good chance that thousands of Americans are applying for life insurance every year with apnea.
Sleep apnea is a chronic condition is when a person stops breathing repeatedly during their sleep. When they aren’t breathing, carbon dioxide collects in the bloodstream. At that point, there is a receptor in the blood stream that alters the brain that wakes up the person sleeping, and they start breathing. Sleep apnea tends to be a cycle every night of the person going to sleep, stop breathing, waking up, and starting the whole process over again.
For most people, they may not even realize that they have sleep apnea, but if it continues to go untreated, it could cause serious problems. If untreated, it can lead to hypertension, heart problems, severe lung damage, and even a higher risk of crashing their cars because of sleep deprivation.
Diagnosing sleep apnea can be difficult, mostly because the one person that would know is always asleep. In the majority of cases, the disease is recognized by a spouse or friend that notices the symptoms. One of the most common symptoms of apnea is snoring, but not all snorers have sleep apnea. Additionally, people suffering from sleep apnea tend to be tired during the day, have slower reaction times, and vision problems. They could also have lesser attention spans or be uncharacteristically moody.
One way that you can help diagnose sleep apnea is to track your sleep for several weeks and then take the results to your doctor. You can keep a journal of your sleep, or even use a sleep tracker that will give you detailed results. Keep accurate records of how well you sleep, how long you sleep, and any times that you take a nap. You should also log how tired you are throughout the day.
Another way that they will diagnose sleep apnea is by doing a physical study as well as doing a sleep study. To begin with, your physician will check your throat, nose, and your mouth to see if there is any large tissue that could be hindering your breathing. After that, your doctor will check to see if you have an enlarged uvula or soft palate, both of which could be causing the problems.
To get specific diagnosis, your doctor may suggest that you participate in a sleep study to see how well you are sleeping and see what is hindering your breathing. The most common type of sleep study that they will do is a polysomnogram, which will study the brain activity, eye movements, blood pressure, and heart rate while you’re sleeping. Additionally, the test will look at the oxygen in your blood and the air flow through your nose. Because these sleep studies are so involved, they are done in a sleep center.
The other type of study that you could do is a home-based portable monitor, which as you can guess, won’t require that you sleep in a lab or study center. With the mobile monitor, they are going to study the same information that the polysomnogram will, but will less accuracy. The doctor is going to use this information to diagnose sleep apnea.
When you apply for life insurance, the company is going to pull all of your medical records to see what conditions you have and get a picture of your overall health. Additionally, they will require that you undergo a medical exam before they approve your application.
When the life insurance company looks at your apnea, they are going to look at both your apnea/hypopnea index and oxygen saturation. They will also look at how well you’re following your doctor’s orders to manage the apnea. The closer that you follow the doctor’s orders, the better rates that you can get for your life insurance.
There are several different treatments that your doctor can prescribe to help relieve your apnea and give you a good night’s sleep. One standard treatment method to use is a CPAP machine, which is a mask that goes over the nose and mouth and the machine will continue to blow a small stream of air into your airways.
There are other lifestyles changes that your doctor could make to help relieve the apnea without using an external machine. One of those changes is losing weight. Putting less pressure on your airways can help improve your breathing and cure your apnea. Aside from the CPAP, your doctor could give you simple oral breathing devices that will help open up your airways and
Regardless of which treatment that your doctor prescribes for you, it’s vital that you stick to that treatment and improve your health by reducing the effects of your apnea. The longer it goes untreated, the worse the symptoms can become.
There are several ways that you can increase your chances of getting affordable life insurance protection for you and your family. It’s vital that you can get the protection that you need without breaking your bank every month in premiums.
One way that you can do that is by improving your health, and there are some different factors that the insurance company is going to look at that you can change. The first is your weight. If you’re overweight, losing some of those extra pounds can work wonders on your health and your bank account. Anyone that is heavier than recommended is at a higher risk of having severe complications later in life, like heart problems and diabetes, which means they would pose more of a risk to the insurance company.
The best way to lose weight is to start a healthy diet and get regular exercise. These will help you lose weight, lower your blood pressure, and lower your cholesterol. All of these are going to translate into lower monthly premiums.
Another way to improve your health is to eliminate any tobacco that you currently use. Smokers are going to pay much more for their insurance policy than a non-smoker is going to pay. In fact, people who smoke are going to pay twice as much for their insurance versus what a non-smoker is going to pay for the same amount of coverage. If you want to save money on your life insurance plan, the best way to do that is put down the cigarettes once and for all.
The best way to ensure that you’re getting the best coverage available is to work with an independent insurance agent. Unlike a traditional insurance agent, an independent agent doesn’t only work with one single company. Instead, they represent dozens of insurance companies across the United States. These independent insurance agents can bring all of the lowest insurance rates directly to you from dozens of companies and help you compare several different kinds of plans.
Because life insurance is one of the most important purchases that you’ll ever make, it’s vital that you make the best decision for you and your loved ones. There are dozens of different kinds of policies and hundreds of companies that you have to choose from. The possibilities are overwhelming, but our independent insurance agents can walk you through the deciding proves and show you which one is going to fit your needs the best.
The first decision that you’ll need to make is to determine which type of policy is going to meet your needs, either a permanent plan or a term life insurance policy. With a whole life policy, you will have insurance protection as long as you continue to pay the monthly premiums on the plan. With a term plan, they have a predetermined length when you buy the insurance. Once that time is up, you’ll no longer have insurance protection, and you’ll have to purchase another plan.
The next thing to decide is how much life insurance coverage you need. There are several different factors that you need to account for to ensure that you have enough protection if something tragic were to happen to you. The first thing that you need to add up is all of your debts or final expenses that your loved ones would be left with if you were to pass away. The primary goal of your life insurance is to give your family the money that they need to pay off the bills that they would be responsible for.
The next factor to consider is your paycheck. The secondary goal of your life insurance is to replace your salary if anything tragic were to happen to you. If you’re one of the main income earners in your household, your family would suffer financially if something tragic happened to you. Your life insurance plan will give your family the money that they need to replace your salary.
If you have any questions about getting life insurance with sleep apnea, please contact one of our agents today and we would be happy to answer those questions and ensure that you’re getting the best coverage available. Don’t wait any longer to get the insurance protection that your family deserves.