Declined for life insurance because I had sleep apnea in the past?

I’m trying to get a new life insurance policy that is a higher amount. I got a life insurance policy about 15 years ago for 250k. I make siginificantly more now and we have a significantly more expensive house now. If I were to die tomorrow, my wife and family would be in a world of hurt. They’d have to sell everything and move and downsize a lot.

So, I applied a year ago or more for a million life insurance policy. I was turned down for two reasons. One, I have hydrocephalus. I hadn’t had a checkup on it in like 20 years. My neurosurgeon told me 20 years ago that I hadn’t had any issues so there’s no reason for a checkup, so I hadn’t gotten one. Even though, I alone can tell without a doctor if it’s messing up, I guess life insurance thought they knew more than the doctor or me. Nonetheless, I went and saw a neurosurgeon. He basically said to me if all his patients turned out like me, he’d be out of a job… lol. Basically thought it was comical I came in and took time off of work to have him check me out. But he said if a life insurance company calls him up, he’d give his OK.

The sleep apnea, I’m a cpap hater and I’ve done about everything in my power to not need one. Went to the extent to start exercising and eating right? Crazy, huh? Lost about 70 pounds. A few years ago, I was trying to get myself so I didn’t need a cpap… my sleep doc referred me to an ent doc. He sent me for a sleep study. He wanted to do an implant to fix my sleep apnea so I wouldn’t need a cpap and could still get life insurance. Well, I did the sleep study. 10+ years ago, I had a sleep study and my doctor that read the report said I had one of the worse sleep apneas he’s ever seen. When I had this sleep study done, he said it was so low that most people that have my level of sleep apnea never know they have it and never seek out treatment.

So, I kind of put off doing anything else for life insurance until a few months ago. I made another appointment to go see my sleep doctor. He sent me in for another sleep study. He just called me a few hours ago and said basically the same thing the ent doctor said. He said the last sleep study he called for, I had 17 sleep apnea events an hour. My last sleep study, I had 1.8 an hour. He said anything less than 5 is normal. So, I’m well in the normal range of not having sleep apnea.

I just applied for Nationwide life insurance for a million policy. It asked if I ever had sleep apnea. I can’t lie. I know they’re going to comb through all of my medical records and everything needs to match perfect to what I answer. I marked yes. Because of that, and the only reason I was declined, was because I had sleep apnea. It never even asked if I was doing anything to treat it… like a cpap. Just the fact alone of having sleep apnea in the last 5 years disqualified me for life insurance.

So, question I have now is how is applying for other life insurance, whoever is investigating and combing through my history going to lookup when I do find someone to cover me…. this guy has applied for 15 life insurance policies and 13 of them declined him. So, applying is like a knick in my life insurance score like when you apply for financial credit and get declined knicks your financial credit score…