A Complete Guide to Burial Insurance for Sleep Apnea

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Many of us know what it’s like to be tired and cranky – but did you know that your sleep apnea might be the culprit? Sleep apnea is a disorder where breathing is interrupted during sleep, which can lead to an increased risk for high blood pressure, obesity, heart disease and diabetes.

If this sounds like you or someone you love, don’t wait another minute! Here are some tips on how to find affordable burial insurance for those with sleep apnea.

Final Expense Insurance For Sleep Apnea

Sleep apnea is a sleep disorder that can be potentially dangerous as it can lead to serious complications such as heart disease or other metabolic diseases.

Common causes of sleep apnea are overweight or being obese. It is important to know that sleep apnea is on our qualified health impairment list for instant day one approval.

Even though these are very true, having sleep apnea will not get in our way in helping you in securing burial insurance with lowest-cost and immediate protection coverage.

Often times adult children are looking for burial insurance for their parents. Besides, sleep apnea, we specialize in our seniors and all health impairments. You would be surprised, oftentimes we speak with adult children, and they think perhaps their mom and dad may not qualify for day one coverage due to an impairment. I am here to tell you, 90% of the time they do INDEED qualify for day one coverage! Find out today!!!!

Burial Insurance For Sleep Apnea

Above all, finding the right burial insurance with a pre-existing medical condition like sleep apnea is important in saving money. In addition, finding the correct agent is just as important.

Our founder has decades of experience in the insurance industry, we here at InsuranceForBurial.com have helped many folks with sleep apnea get a rock-bottom price on final expense insurance with immediate protection.

Hopefully, you’ll allow us to help you too, we promise after we’ve helped you with securing high-quality burial insurance in the cheap, you’ll sleep a bit better!

Sleep Apnea And Final Expense Insurance Companies

The Good news

Almost all insurance companies are perfectly fine offering low-cost final expense insurance for sleep apnea.

The majority of final expense insurance companies will not place an applicant in a high-risk category, to these companies, sleep apnea is nothing for them.

Oxygen therapy will be fine with insurers as long as it’s for sleep apnea.

Medical exams are not required for a burial or final expense insurance application, you can cross this out.

Eventually, you will easily be offered a burial or final expense insurance plan at the lowest premium with immediate insurance coverage starting from day one- which by the way is called either “simplified”, “preferred”, or “level” by the insurance companies.

For most insurance companies for final expense insurance, sleep apnea is a piece of cake, their insurance policies will just eat its tiny risk. As far as these insurance companies are

concerned, this sleep disorder is a zero risk factor and they will welcome anyone with open arms with a simplified plan.

The bad news

Nothing really… But the only bad or unpleasant possible scenario is that you ended up applying with help from the wrong insurance agency and you’re offered insurance plans at a higher price without immediate protection in full- you wasted your time.

The only possible scenario where you were not offered a simplified plan for sleep apnea and being on oxygen for it alone is that you didn’t move forward with us nice folks here at InsuranceForBurial.com in the first place.

Hopefully, you’ll move forward with us, you won’t regret it.

Types of sleep apnea

Obstructive Sleep Apnea: This is the most common form. This is when the throat muscles relax. This is by far the most common form.

Central Sleep Apnea: This occurs when your brain does not send the proper signals to the muscles that control your breathing.

Complex Sleep Apnea Syndrome: Also known as treatment-emergent central sleep apnea. This occurs when a person has both obstructive sleep apnea and central sleep apnea.

Sleep Apnea Underwriting Process Of Final Expense Insurance Companies

There are insurance companies for burial or final expense insurance that will ask about sleep apnea, and some won’t.

As a general rule: If a disease, disorder (like sleep apnea), treatment, living conditions, habit, types of assistance, etc., is or are asked in the questionnaire, then the insurer is strict with it and it’s a high risk for them.

Here’s the thing, if you encountered sleep apnea in the underwriting questions or you’re being asked if you have sleep apnea- answer yes because that’s the truth, and then, immediately ask the person or company if sleep apnea will mean you’re not getting a simplified plan because of you sleep disorder alone, or using oxygen because of it— walk away.

We have a team of highly experienced Final Expense Insurance Specialists that have access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies…

Anyone of our specialists will obviously cross-out companies who underwrite sleep apnea negatively and point you to the ones who are perfectly fine with this sleep disorder that might keep your partner awake during sleep time.

Oxygen or CPAP usage

All insurance companies will always ask if you’re on any device for oxygen therapy- if you’re on oxygen by any type of device, you will be ineligible for any underwritten burial or final expense insurance plan and your only option is a “Guaranteed Issue (GI)” plan.

As we mentioned in this article, oxygen use is perfectly fine with insurance companies as long as the only reason you’re on it is because of sleep apnea.

Oxygen use on the underwriting questions will usually exclude sleep apnea, an example of this is the following:

“Within the last 12months, have you been prescribed to use oxygen to assist you in breathing? Excluding use for sleep apnea.”

If you use oxygen or a CPAP device because of sleep apnea only, you are still eligible for a simplified burial insurance plan, period.

The EASIEST Way To Find The Best Burial Or Final Expense Insurance For Sleep Apnea

The only reason you’re having trouble finding and getting the best burial insurance coverage plan for sleep apnea is you mistakenly work with a less experienced insurance agent or agency. There are many insurance companies out there that will straight up offer a simplified coverage plan for this sleeping disorder.

Here’s a COMPLETE list of the qualities that you should be aiming for if your concern is sleep apnea burial insurance and the qualities of the insurance company that offers it:

  • The insurance company that is perfectly fine with sleep apnea and oxygen use because of it.
  • The insurance company with the lowest monthly premium and immediate full coverage for sleep apnea.
  • The policy has the highest benefit payment that can protect you sooner.

Finding An Independent Burial Agent

How do I find an independent insurance agent in Jacksonville, Florida? The insurance agency that you would need to move forward with must have the following qualities when it comes to finding burial coverage for epilepsy:

  1. The agency must be independent to have access to a lot of different insurance companies that can possibly offer the best coverage.
  2. The agency must have insurance agents that are highly experienced burial or final expense insurance specialist that have the passion to help you! Not the companies.
  3. The agency only offers the best policies from the country’s top-rated insurance companies that have stood the test of time in the insurance industry with stable finances and a proven track record.

We here at InsuranceForBurial.com can proudly say that we have those qualities as an independent insurance agency and we can exactly get you these coverage qualities for sleep apnea and oxygen use for it.

We have successfully helped a lot of clients with sleep apnea with or without oxygen usage secure coverage plans from the country’s top-rated insurance companies that have stood the test of time and challenges in the insurance industry.


Whatever your unique situation may be, we can present you with the best possible offers by working hard and with the use of our well-earned knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.

We are an independent insurance agency formed by a team of highly experienced Final Expense Insurance Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.

We have the driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter what their health issues are.

All we need from you is a little bit of your time to know your details.

With us guided by your health details, we will only come back to you with the best options for your situation with sleep apnea.

Talk to us now! We promise you a simple no-nonsense interview process with no pressure at all whatsoever.


Sleep apnea is a serious sleep disorder that can have life-threatening consequences if left untreated. Given the potentially dangerous risks associated with this disorder, it is important to be proactive about your treatment plan and protect yourself or loved ones from these health hazards. To learn more about how our burial insurance plans for sleep apnea may work for you, contact us today! We’re here to help answer any questions you may have and find the right coverage option for you at an affordable price.