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Sleep Apnoea Life Insurance

You may have found it difficult to secure life insurance with Sleep Apnoea Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Sleep Apnoea Life Insurance?

If you have Sleep Apnoea, finding life insurance shouldn’t be a problem. However, this depends on the severity of your condition, any complications you may have had, and treatment you’re on.It will also depend on any other pre-existing medical conditions you may have. The Insurance Surgery is the UK’s leading Sleep Apnoea Life Insurance Broker, and we will always strive to find you the best cover for your situation.

Sleep Apnoea Life Insurance is fairly easy to obtain if you have mild Sleep Apnoea or your condition is well controlled through treatment or medication. If your condition is more severe or you have had any Sleep Apnoea related complications, then it may be more difficult to find cover and you should expect to pay higher premiums.

If you have other pre-existing medical conditions this can also make it difficult to obtain cover, however this does not mean that your application will be declined. The worst-case scenario is that you will have a Sleep Apnoea life insurance product that will exclude your Sleep Apnoea.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Sleep Apnoea Life Insurance Works.

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

There are a few things that insurance providers will need to know when applying for Sleep Apnoea Life Insurance:

When you were diagnosed

What treatment/medication you use

Any Sleep Apnoea related complications

Any other medical conditions you may have

Your Body Mass Index (BMI)

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Sleep Apnoea Critical Illness Cover

If you are looking for Sleep Apnoea Critical Illness Cover then you shouldn’t have that many issues finding a policy to cover you. Like Sleep Apnoea Life Insurance, the level of Sleep Apnoea Critical Illness Cover you can get depends on the severity of your condition as well as what treatment or medication you are using.

It is also possible that there will be a Sleep Apnoea rating placed on your policy due to the risks associated with your condition, meaning that you should expect to pay a higher premium for your policy.

Sleep Apnoea Income Protection

Obtaining Sleep Apnoea Income Protection is very similar to Sleep Apnoea Life Insurance and Critical Illness Cover. As long as your condition is mild and well controlled with treatment/medication then you should be able to find cover.

However, it is also likely that there will be a Sleep Apnoea loading placed on your policy due to the fact that insurers deem your condition as high risk, which will increase your premiums. This is more likely to be added onto your policy if you have more severe Sleep Apnoea or you have any other pre-existing medical conditions.

Sleep Apnoea Stats

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

An estimated 1.5 million people in the UK suffer from Sleep Apnoea, although only 330,000 are diagnosed and treated currently

Sleep Apnoea is more prevalent in men

Sleep Apnoea is more common in older age

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Sleep Apnoea Symptoms

Symptoms usually appear while you sleep, common symptoms include:

Breathing stopping and starting

Gasping, snorting, or choking sounds

Frequently waking up

Loud snoring

Some daytime symptoms may include:

Feeling very tired

Finding it hard to concentrate

Mood swings

Headaches when you wake up

Due to the fact that most of these symptoms occur while you’re asleep, it can be difficult to tell if you have Sleep Apnoea. Therefore, it may help to ask someone to observe you while you sleep so they can check for symptoms.

If your GP thinks you have Sleep Apnoea, you may be referred to a specialist sleep clinic for tests. You may be given devices that monitor things like your breathing and heartbeat while you sleep. These are usually worn at home, but sometimes you need to stay in the clinic overnight. This test shows if you have Sleep Apnoea as well as how severe it is, this is based on how often your breathing stops while you’re asleep (AHI score).

Sleep Apnoea Symptoms

Untreated Sleep Apnoea can also cause other medical conditions such as:

High blood pressure

Increases your chance of having a stroke

Depression or mood changes

Higher chance of having a serious accident due to tiredness e.g. car accident

Difficulty concentrating

There isn’t one single cause of Sleep Apnoea however it has been linked to:

Obesity

Having a large neck

Getting older – although it can affect young adults and children

Relatives with Sleep Apnoea

Smoking and drinking alcohol

Having large tonsils or adenoids (tissue at the back of your nose)

Sleeping on your back

Sleep Apnoea can also put a strain on your relationship with your partner if it is also causing them lack of sleep.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

What is Sleep Apnoea?

Sleep Apnoea is a condition where your breathing stops and starts while you’re asleep. The most common type is Obstructive Sleep Apnoea (OSA). It occurs when your muscles relax during sleep, causing soft tissue to collapse and block the airway.

Central sleep apnea occurs due to instability in your body’s breathing control system. Your body stops trying to breathe during sleep.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

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Sleep Apnoea Life Insurance

What Is Sleep Apnoea Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Sleep Apnoea Life Insurance Works.

When you were diagnosed

What treatment/medication you use

Any Sleep Apnoea related complications

Any other medical conditions you may have

Your Body Mass Index (BMI)

Sleep Apnoea Critical Illness Cover

Sleep Apnoea Income Protection

Sleep Apnoea Stats

Sleep Apnoea Symptoms

Sleep Apnoea Symptoms

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*