Insomnia treatment refers to clinical management of persistent difficulty initiating or maintaining sleep, which can impact cardiovascular and mental health. Approaches include cognitive behavioral therapy for insomnia (CBT-I), sleep-hygiene optimization, and medications used judiciously. In underwriting, chronic prescription sedative use, comorbid depression or anxiety, and functional impairment are reviewed. Favorable control without excessive medication or daytime impairment usually supports better offers; unmanaged insomnia may prompt postponement or ratings until stabilized.

Underwriting files highlight CBT-I participation, limited medication use, and absence of daytime impairment. Producers time applications after stabilization and obtain physician notes to support favorable classes.