We received an informal application last year for a male, age 54, with a history of chronic insomnia, vertigo and sleep apnea with the inability to tolerate continuous positive airway pressure (CPAP) treatment. In addition, multiple immediate family members had histories of coronary artery and/or cerebrovascular disease (a group of conditions that affect the circulation of blood to the brain, causing limited or no blood flow to affected areas of the brain) before the age of 60. Normally, a history of this nature would result in an offer of no better than standard with the majority of carriers.
When the medical records
arrived, it was clear that the vertigo was benign and positional in nature. The family history was concerning, but on closer inspection, the family members were either obese, smokers or both. The client was neither a smoker
nor obese. The chronic insomnia appeared to be stable with use of medication and had no evident relation to depression or significant anxiety. Finally, although the client could not tolerate CPAP treatment for the sleep apnea, the doctor’s notes indicated the client was sleeping well without the use of a CPAP and was asymptomatic. The doctor advised that given the positive factors, the client could discontinue CPAP use.
We shopped the case to nine carriers and asked that the carriers disregard the family history, since it appeared the history was most likely due to poor habits
the client did not share. We also asked the carriers to not allow sleep apnea to negatively impact the client’s underwriting since he reported he was doing well, had no symptoms, and his own doctor was satisfied without the continued use of a CPAP. We asked for best class and noted we were in competition with other general agencies.
Rates varied and included standard, ratings up to table C, but also some offers better than standard, including best class. We issued and placed the case at best class.