Can I get life insurance if I have sleep apnea in Nevada?

Sleep apnea is a very common condition reviewed in life insurance underwriting, and most people with diagnosed and treated sleep apnea qualify for standard or near-standard coverage. The key factors are whether you've been formally diagnosed, whether you're using prescribed treatment (typically CPAP or BiPAP), and your compliance with therapy.

Applicants using CPAP consistently with documented compliance often qualify for standard rates. Those with untreated or poorly treated sleep apnea—especially severe obstructive sleep apnea—may receive rated or declined offers due to associated cardiovascular risks. The severity classification (mild, moderate, severe) also matters.

BMI, hypertension, and other conditions frequently associated with sleep apnea affect underwriting when present together. Carriers evaluate the overall health picture, not just the sleep apnea diagnosis alone.

Obtaining a formal sleep study diagnosis and using prescribed treatment before applying for coverage is advisable. Documented compliance data from your CPAP machine can strengthen your underwriting case. Agents in our network can guide you toward carriers with favorable sleep apnea guidelines.