Burial Insurance With Sleep Apnea (& CPAP)

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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Perhaps you were recently diagnosed with sleep apnea or were recommended to use a CPAP machine. This may make you wonder if sleep apnea will affect your ability to get insurance for burial expenses.

Can You Get Affordable Burial Insurance With Sleep Apnea?

Almost all burial insurance companies will provide coverage for seniors who have sleep apnea. The only reason applications mention sleep apnea is in correlation with oxygen use. For people with no additional pre-existing conditions other than sleep apnea, approval is all but guaranteed.

Burial Life Insurance Basics

Burial insurance is also known as funeral and final expense insurance. Insurance providers created this coverage specifically for seniors to provide an affordable way to cover their funeral costs.

Most final expense coverage is whole life insurance, which has permanent benefits. While other plans might change or expire at a certain point, whole life coverage stays consistent for the insured’s entire life.

Final Expense Insurance Features:

  • Low Cost
  • No Expiration
  • Coverage Lock
  • Price Lock
  • Builds Cash Value
  • No Medical Exam
  • Quick Payout

CPAP Machine

Underwriting: Does Sleep Apnea Disqualify You From Life Insurance?

Each burial insurance company sets its standards on what it will accept for its various policies. Meaning that a provider will decide if they will or will not accept a person based on specific health conditions. This process is known as underwriting.

Underwriting is the process of contractually accepting liability. So in the case of obtaining life insurance for burial, the carrier determines if they are willing to pay money to your beneficiary upon your death. Acceptance is based on your health history and pre-existing conditions at the time of application.

Commonly Related Health Concerns

If you use a continuous positive airway pressure machine called CPAP, you will be awarded coverage with most burial life insurance policies. However, if you are on continuous oxygen, that is another story.

Other related health concerns that might affect coverage are:

Ways an Application will Ask About Sleep Apnea

The majority of final expense insurance applications do not ask about sleep apnea at all. The only time applications will reference sleep apnea, or a CPAP machine is when excluding it from a question about oxygen use.

“In the past 12 months, has the proposed insured used or been advised to use oxygen to assist with breathing?”

Typically this question is followed by “(excluding use for sleep apnea)” or “(excluding CPAP).” Therefore, people with a sleep apnea diagnosis will not be affected and can still receive funeral insurance coverage as though they are entirely healthy.

How Companies React to the Questions

Based on your answer to the health questions, the carrier will move forward in 1 of 2 ways.

Approve coverage: You will be approved with this obstructive sleep diagnosis as your only pre-existing condition.

Deny coverage: You could be denied coverage if you answer unfavorably to other health questions. Sleep apnea alone will not affect your ability to get coverage.

Guaranteed Acceptance Plans: Buyer Beware

Many companies promote senior burial insurance on television or through direct mail campaigns. Some of these policies are fine; however, many are overpriced and misleading.

Guaranteed acceptance policies are advertised heavily by certain providers. Policies that accept everyone will come at a higher price because it does not go through an underwriting process. Unfortunately, many healthy seniors are placed into these plans even though they can qualify for a better policy at a lower cost.

Policies that guarantee coverage will have a minimum two-year waiting period before the policyholder is fully covered. These plans should be reserved for seniors in unfavorable health or who have had a recent hospital stay.

If sleep apnea is the only health concern you are dealing with, you do not need to get a guaranteed funeral insurance policy.

The Cost of Final Expense Insurance with Sleep Apnea

Pricing for funeral insurance ranges based on the applicant’s age, health, and gender. Additionally, the more coverage taken out, the higher the monthly premiums.

The quote ranges below span from very healthy applicants to those who are chronically ill.

Sleep Apnea Monthly Premium Range

$10,000 Death Benefit

Non-Smoking Quotes

45$23 – $34$27 – $47 
50$24 – $39$31 – $56 
55$28 – $47$36 – $61 
60$33 – $54$44 – $68 
65$41 – $66$56 – $91 
70$53 – $80$75 – $106 
75$72 – $116$100 – $150 
80$98 – $190$140 – $232 
85$136 – $220$193 – $312 

How To Find The Best Burial Insurance Companies With Sleep Apnea

There are several top-rated and low-cost companies, and all of them will provide coverage to seniors with sleep apnea. If you have additional health concerns that could throw a red flag, you should also research this pre-existing condition as it could affect funeral insurance acceptance.

Even with all of this information, there are truly only three things that you need to look for before applying for final expense insurance.

Coverage Start Date: Getting full coverage that begins immediately is essential. Seniors with sleep apnea should never get funeral insurance with a waiting period if they are otherwise healthy.

Company Financial Rating: Apply with a company with a strong financial rating. This rating will indicate the company’s ability to pay claims when due.

Budget-Friendly: Make sure you can pay the premiums well into the future. Whole life insurance premiums never change, but your income might.

To find the best burial policy to fit your individual needs, whether you have pre-existing conditions or not, it is best to work with a specialized agent with access to several final expense insurance companies.

How to Purchase: Captive vs. Independent Agencies

There are two main ways that people can get final expense life insurance. While the difference is seemingly small, it can be huge for seniors on a budget.

Directly with Company: if you call a company directly, these agent representatives only have access to one provider. The price is often high, and the underwriting is strict, so you may be denied coverage or pushed towards a guaranteed acceptance policy, which is unnecessary with only CPAP use.

Insurance Agency: These agencies can represent multiple policies from several companies. This access allows them to compare pricing, underwriting, and plan structure to find the best fit for you.

Final Thoughts on Funeral Insurance With Sleep Apnea

a. Affordable burial insurance with sleep apnea is possible to get, even if you use a CPAP machine at night to assist with oxygen.

b. It is imperative that you work with an insurance agency specializing in this final expense coverage with an excellent reputation.