Did you know that, unlike many carriers, Zurich could consider Preferred Best for clients with obstructive sleep apnea ("OSA")?
Your client has been diagnosed with OSA and wants to qualify for best class. Many companies offer Standard as their best class for this impairment even with good control.
Zurich may consider this individual for Preferred Best rates dependent on the severity of the impairment and degree of control.
How can your client benefit? Let's look at a case study.
50 Year Old Male, 5'8" and 182 lbs., Non-Smoker
Normal Medical History; Cholesterol/HDL: 218/4.2; Blood Pressure: 130/82
Abnormal sleep study two years ago
- AI: 34
- AHI: 46
- Oxygen Saturation low point: 72%
Diagnosis: Moderate OSA; Prescription: CPAP
Normal subsequent studies (6 mos. after diagnosis, 6 mos. prior to app date)
This case can be approved at a Preferred Best classification. Course of treatment has been demonstrated to be successful resulting in no extra debits and all other criteria fit within the defined risk class guidelines
The following was used to determine the outcome:
- Diagnosis of OSA, not “Central” or “Mixed” apnea
- OSA was categorized as no worse than “moderate”
- Compliance with treatment prescribed; resolution of symptoms
- OSA classified as Standard in the underwriting manual