I have had a couple of cases this week who have sleep apnea. 1 man is a nonsmoker and has COPD. Assurity is much less on him than Transamerica, $120 compared to $165. On one case I was told to answer the question no. I called on the second case and was told if you you use a CPAP it was graded. I can't believe everyone who has sleep apnea is graded if you have used it for years. Everyone I know that has had a sleep study done has been diagnosed with sleep apnea so a large portion of the population usues a CPAP. You think I need to call again and get clarification?
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