Man you guys way over think these apps for FE.
I have placed many Sleep Apnea cases with immediate coverage with most carriers. It is not COPD or Oxygen use.
Sleep Apnea is an obstructive disorder but not a chronic pulmonary one as COPD (black lung, chronic asthma, chronic bronchitis, cystic fibrosis and emphysema). As long as an APS shows that it is only an obstructive disorder it is a standard table 2 rating for fully underwritten plans. Like most issues, the complications are the problem, especially for age 60+ and that is why FE underwriting uses its broad stroke.
It is basically a condition that the airway is to small on certain sleeping positions and requires assistance by pushing room air down the airway with the machine. If undiagnosed and untreated, it can be deadly, causing High Blood Pressure, enlarged Heart and other Pulmonary Issues.
Quit trying to put these cases under age 60 with FE companies and try full underwriting. You will fair much better.
I have placed many Sleep Apnea cases with immediate coverage with most carriers. It is not COPD or Oxygen use.
Sleep Apnea is an obstructive disorder but not a chronic pulmonary one as COPD (black lung, chronic asthma, chronic bronchitis, cystic fibrosis and emphysema). As long as an APS shows that it is only an obstructive disorder it is a standard table 2 rating for fully underwritten plans. Like most issues, the complications are the problem, especially for age 60+ and that is why FE underwriting uses its broad stroke.
It is basically a condition that the airway is to small on certain sleeping positions and requires assistance by pushing room air down the airway with the machine. If undiagnosed and untreated, it can be deadly, causing High Blood Pressure, enlarged Heart and other Pulmonary Issues.
Quit trying to put these cases under age 60 with FE companies and try full underwriting. You will fair much better.
