---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=36"
date: "2026-06-24T09:46:43+00:00"
language: "en-GB"
---

[ ![Attractive male sleeping with white tee-shirt with CPAP mask](https://sapience.com.au/images/blog/intro-getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea-sapience-financial.jpg) ](https://sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea "Getting Life and Disability Insurance when you're living with Sleep Apnea") ##  [ Getting Life and Disability Insurance when you're living with Sleep Apnea ](https://sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea)

---

### Getting Life insurance while living with Sleep Apnea

Sleep Apnea is a condition where your breathing stops and starts while you sleep. In Australia, an estimated 5% of the population has sleep apnoea, translating into approximately 1 in 20 Australians being affected.

While sleep apnea isn't usually classed as a life-threatening condition, it’s seen as a pre-existing health condition and so requires some additional information when you're applying for life insurance or disability insurance, so the underwriter can better understand what you're living with.

- [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident)
- [ life isurance ](https://sapience.com.au/all-tags/life-isurance)
- [ sleep apnea ](https://sapience.com.au/all-tags/sleep-apnea)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea)

  [ ![two best friends on holidays together taking a selfie photo](https://sapience.com.au/images/blog/intro-how-to-appoint-your-own-medical-decision-maker-your-person-responsible-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible "How to Appoint your Own Medical Decision Maker - your Person Responsible") ##  [ How to Appoint your Own Medical Decision Maker - your Person Responsible ](https://sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible)

---

### Some decisions should never be left to chance (because you may not survive the outcome)

In Australia, the ability to make your own medical decisions is referred to as your 'decision-making capacity.' And when you have it, you probably don't think about it much. But when a person loses their decision making capacity (eg: due to a temporary illness, surgery, motor vehicle or workplace accident, or a more permanent cognitive decline), someone else needs to step in to make those medical decisions on a person's behalf.

The good news is you can appoint your own **Person Responsible** with legal authority to consent to (or even refuse) medical treatment on your behalf. But here is the problem; you need to have this legal document in place ahead of time, before you need it.

- [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ person responsible ](https://sapience.com.au/all-tags/person-responsible)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible)

  [ ![confident women understanding her strength and ready to face the world](https://sapience.com.au/images/blog/intro-surgery-prep-the-financial-estate-planning-checklist-you-need-to-know-sapience-financial.jpg) ](https://sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know "Surgery Prep? The Financial & Estate Planning Checklist You Need To Know") ##  [ Surgery Prep? The Financial & Estate Planning Checklist You Need To Know ](https://sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know)

---

### Don't Go Under Without It: Your Pre-Surgery Financial & Estate Planning Checklist

Facing surgery is, understandably, a significant moment. Beyond the medical preparations, it naturally prompts us to pause and consider the 'what ifs?'

But where do you begin when it comes to safeguarding your financial future before an operation? What essential steps and documents should you have in place?

- [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know)

  [ ![attractive crossed legs with shiny red shoes in the air](https://sapience.com.au/images/blog/intro-can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate.jpg) ](https://sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate "Can your Mistress (or Gay Lover) claim an inheritance from your estate?") ##  [ Can your Mistress (or Gay Lover) claim an inheritance from your estate? ](https://sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate)

---

### A question we're asked, on behalf of a friend is, 'Could my mistress challenge my Will?' Another question then follows, for more inquiring minds, 'What about a gay lover then?'

Good financial advice is about knowing that life, love and relationships are inherently personal and so sometimes our financial advice needs to be equally personal too.

- [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries)
- [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/can-your-mistress-or-gay-lover-claim-an-inheritance-from-your-estate)

1. [ Living with MS? Exploring Your Life Insurance Possibilities](https://sapience.com.au/blog/living-with-ms-exploring-your-life-insurance-possibilities)
2. [ Federal Budget Summary 2025-26](https://sapience.com.au/blog/federal-budget-summary-2025-26)
3. [ Owning Overseas Assets and making an Australian Will document](https://sapience.com.au/blog/owning-overseas-assets-and-making-an-australian-will-document)
4. [ Gifts, Loans and Debt Forgiveness](https://sapience.com.au/blog/gifts-loans-and-debt-forgiveness)
5. [ Tips for Applying for Life Insurance when using Cannabis Oil](https://sapience.com.au/blog/tips-for-applying-for-life-insurance-while-using-cannabis-oil)
6. [ Our 20 Most Frequently Asked Questions about being named the Executor of a persons Will](https://sapience.com.au/blog/20-most-frequently-asked-questions-about-being-an-executor-in-a-will)
7. [ Time flies when you’re having fun but even faster when you're in Small Business](https://sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

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