Term Life Rate Tripled due to old sleep apnea visit

30 yr Male, and I recently applied for a 20-year, $1.5 million term life insurance policy. Initially, I was quoted about $100/month and received the second-highest health rating from the carrier. Since I’m in excellent physical shape with no health issues, I asked my rep if I could be reconsidered for the highest rating. The rep said I could be reconsidered if I agreed to release all my medical records, but that’s when things took a turn.

About four years ago, I had some trouble sleeping through the night, mainly due to mouth breathing and waking up with a dry mouth, drinking water and having to pee. I had a few friends with sleep apnea, so it was top of mind at the time, and I wanted to rule it out. I visited a sleep apnea specialist just to get checked. From what I remember, the doctor verbally told me he didn’t think I had sleep apnea just from looking at my throat but said I could take the test if I wanted. I never took the test because he verbally indicated it was highly unlikely, and I’ve been sleeping relatively fine since.

However, when the insurer pulled my medical records, they flagged that visit and almost tripled my premium to $250/month because I didn’t disclose it upfront and didn’t have any results to prove I didn’t have sleep apnea. Honestly, I forgot about the appointment since it was years ago, and it was a non-issue.

My questions: 1. If I apply with a different carrier, will they have access to this medical record? Am I flagged in a database? 2. Would it help if I take a sleep apnea test now to prove I don’t have it? Is there any chance I can get back to $100 or am I screwed for not disclosing that doctor visit. A triple premium seems super steep. 3. Has anyone else been in a similar situation? Any advice on how to proceed?

I appreciate any insight—can’t believe that a one-off doctor visit is costing me this much.

submitted by /u/FlimsyAwareness
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