Life Insurance with Sleep Medications

Yes, CPAP use for sleep apnea is very common and generally has minimal impact on life insurance rates - as long as you're compliant. Insurers will want to see CPAP compliance data showing regular use. Good compliance (4+ hours per night on 70%+ of nights) often qualifies for Standard Plus rates.

Ambien (zolpidem) and similar sleep medications can affect rates depending on how long you've used them and at what dose. Short-term or occasional use for acute insomnia has less impact. Long-term nightly use, especially at high doses, may result in higher rates. Alternatives like trazodone are viewed more favorably.

Poor CPAP compliance is a significant issue for underwriting. If your compliance data shows infrequent use, you may face higher rates or decline. Before applying, work on improving your compliance. Even 3-6 months of good compliance can change your underwriting outcome.

AHI (Apnea-Hypopnea Index) measures sleep apnea severity. Mild (5-15): minimal impact with treatment. Moderate (15-30): Standard rates with good CPAP compliance. Severe (30+): may result in Table ratings, but coverage is available with compliance. Untreated severe apnea is a significant concern.

Yes, you must disclose all diagnosed conditions and treatments. The insurer will likely find out through medical records or prescription history anyway. Being honest and showing you're trying to be compliant is better than appearing to hide the condition.

Untreated sleep apnea is viewed seriously because of associated health risks (cardiovascular disease, accidents). You may be declined or face very high rates. Getting treatment is important for both your health and insurability. Consider getting a sleep study and starting CPAP before applying.