CPAP therapy, or continuous positive airway pressure therapy, is the frontline treatment for obstructive sleep apnea in which a machine delivers pressurized air through a mask to keep the airway open during sleep. Effective CPAP therapy reduces snoring, nighttime awakenings, and daytime fatigue while lowering risks of hypertension, arrhythmias, and cardiovascular events associated with untreated apnea. Success depends on proper mask fit, pressure settings, and patient adherence. CPAP devices record usage and apnea-reduction data that can be shared with clinicians and, indirectly, with underwriters evaluating health risk.

Advisors encounter CPAP therapy when clients disclose sleep apnea diagnoses during underwriting. They ask about time on therapy, symptom improvement, and comfort with equipment. Underwriters often request sleep-study reports and CPAP usage records to gauge effectiveness. Clients with well-managed sleep apnea through CPAP may qualify for more favorable ratings than those who are untreated or noncompliant. Understanding CPAP therapy allows advisors to guide clients in obtaining treatment documentation and to explain why consistent use can materially improve insurability and long-term health outcomes.