Life Insurance with Sleep Apnea

Can I get affordable life insurance with sleep apnea?

For individual’s that suffer from sleep apnea, life insurance may seem at first to be unattainable. Fortunately, for those looking for life insurance with sleep apnea you have come to the right place. Sleep apnea is a very common disorder.

According to the National Sleep Foundation this condition affects over 18 million Americans.

As a specialist in the life insurance arena for those individuals with pre-exisiting medical conditions, we often are able to secure affordable term life insurance when others cannot.

We understand the difficulties of finding affordable life insurance with sleep apnea. We know which companies specialize in underwriting the best life insurance with sleep apnea.

When underwriting life insurance with sleep apnea, it is first important to get as much medical information up front from the insured. It is best to be totally honest about your medical history. The more information we can give to the underwriter’s the better rate you possible can secure.

We want the life insurance underwriter’s to compete for your business.

By gathering this information up front it allows us to do the legwork and save you time. This also keeps you from having to initially go thru a medical exam and bloodwork.

A medical exam may be necessary down the road, but first we just want to see if a viable offer is available.

By gathering this information up front, it also allows us to keep your information out of the Medical Information Bureau (MIB).

When all the information is gathered, we will speak to the different carriers.  Once we get the feedback from the underwriters  we will then know if an offer can be made. We will run the premium rates to see if this tentative offer is affordable to you.

If the tentative offer is something the client feels comfortable with, we will then proceed to take a formal application and have any requirements completed to secure the offer.

This is the best way to proceed with finding the most affordable rates for life insurance with sleep apnea.

You will no longer have to try contacting agent after agent to try and find affordable life insurance with sleep apnea.

What information is needed to find life insurance with sleep apnea?

In order to find out if affordable life insurance with sleep apnea is available the following information needs to be obtained:

  • Male or Female?
  • Date of birth?
  • Height/weight
  • Family History? Mother/Father age if living? Age of death? Cause of Death?
  • Date of sleep apnea diagnosis?
  • Was a sleep study done? If so, date of sleep study?
  • How is sleep apnea being treated?
  • Do you use a C-Pap mask? If yes, dates used from-to
  • Have you had any weight loss? 
  • Have you had any surgery performed? If yes, please indicate when?
  • Have you ever been diagnosed with high blood pressure, lung disease, chest pain or coronary artery disease, depression, overweight, arrhythmia or stroke?
  • What medications are you taking? Both prescription and natural?
  • Have you ever used any tobacco or nicotine based products?
  • Do you have any other health problems?

In addition to the questions above, it is also good to know the amount of coverage and the plan of protection you would like to secure. Many carriers only offer minimum amounts of death benefit. Some will only make an offer for a permanent plan of protection.

It also important to remember that there are carriers available that may offer a plan of insurance on a simplified or guaranteed issue basis. These plans are typically more expensive than a full medically underwritten plan and could have limitations to the policy benefits.

It is best to discuss your situation with us to determine the best plan of action depending on your needs. Remember, we are here to assist you in securing the absolute lowest rates available for life insurance with sleep apnea.

We have no allegiance to any one particular insurance carrier. We write coverage thru many different insurance companies and are constantly searching the marketplace for new and innovative carriers.

We have over 30 years experience in the special risk marketplace . We know which carriers to talk to about life insurance with sleep apnea.

If you would like to discuss your life insurance needs, please contact us at 1-888-393-9003 or




For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

We work with individuals across the nation to secure the best life insurance rates.

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