A great place to start Disorder information source Rated and Reviewed Sleep Links Entrance to all monitored Sleep Forums Search all of Sleepnet.com


Sleep Apnea
Forum Posting


Archived Apnea Forum122 viewing only. To post a new topic go to the Apnea Forum Homepage.

Re: cpap compliant and life insurance

Posted by D.H. on September 09, 2004 at 20:05:21:

In Reply to: Re: cpap compliant and life insurance posted by jeenat on September 09, 2004 at 07:19:34:

I did not say that whole would cheaper than term; just that it wouldn’t be much more. The reason is the following:

Term Life insurance is – ordinarily – much cheaper than whole life insurance. The reason is that if you outlive you term policy, they pay nothing. With whole life, on the other hand, you will die eventually, so it is certain that they will have to pay at some point.

Here we’re considering a term policy is written based on an actuarial assumption that death during the term of the policy is extremely likely. Conversely, they’re assuming that it’s very unlikely that you’ll live past the term of the policy. To recap, these assumptions give you a lot less of a chance of outliving a term policy, thus wiping out most of the cost differential.

Follow Ups:


Archived Apnea Forum122 viewing only. To post a new topic go to the Apnea Forum Homepage

  • IMPORTANT : Information not intended as medical advice. If you suspect that you have a sleep disorder you should seek care from a qualified professional. Read Terms of Use.
  • The Sleep Forums are not to be used for commercial purposes.
  • Commercial products and services are not endorsed by Sleepnet.com.
  • Sleep Deprivation due to Sleep Apnea and insufficient sleep are common and can present as insomnia, narcolepsy, or idiopathic hypersomnia. In infants and children sleep problems commonly present themselves as ADD or ADHD.


Copyright ©1995-2005 Sleepnet.com., All rights reserved