Respiratory Clinical Underwriting
Life & Burial Insurance with Sleep Apnea
If using a CPAP machine with proven compliance (memory card / myAir app showing 4+ hours/night, 70% of nights), applicants can qualify for Preferred rates. Untreated sleep apnea results in Table ratings due to cardiovascular risks.
Approval Outlook
High (Preferred to Standard)
Risk Tier
Low to Moderate
Prevalence
30 Million Americans
Day 1 Coverage?
Eligible
Marcus Vance, CLU®, ChFC®
NPN #19402851 Verified
Director of Wealth Preservation & Annuity Strategy • Chartered Life Underwriter (CLU®) • Chartered Financial Consultant (ChFC®)
Fact-Checked & Audited: September 2026
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Actuarially Reviewed by Sarah Jenkins, Esq.
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Common Medications Evaluated by Underwriters
💊 CPAP Therapy
💊 BiPAP
💊 Oral Mandibular Devices
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Carrier Sweet Spots for Sleep Apnea
These top underwriters offer favorable rate tables and no medical exams for well-managed Sleep Apnea:
✓ Corebridge Financial
✓ Banner Life
✓ Transamerica