Respiratory and sleep
Asthma, COPD and sleep apnea are assessed on severity, treatment and how well controlled they are.
3 articles in this section
Breathing and sleep conditions are assessed on severity and control. Well-managed asthma is often a non-event. Sleep apnea depends heavily on whether you are treating it and whether you can show you are treating it consistently. COPD is read more seriously, and smoking history usually sits alongside it.
Questions about respiratory and sleep
Sleep apnea and life insurance
Why treatment compliance matters more than severity for sleep apnea underwriting, what CPAP download data shows insurers, and how untreated apnea is assessed.4 minAsthma and life insurance
Why well-controlled asthma usually has little effect on Canadian life insurance, and what shifts the assessment: hospital visits, oral steroids and smoking.4 minCOPD, emphysema and life insurance
How insurers assess COPD, why lung function testing and smoking status drive the outcome, and what remains available where full underwriting does not.4 min
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