Spirometry results are the numerical outputs of a pulmonary function test that quantify how well a person moves air in and out of the lungs. Key values include forced vital capacity (FVC), forced expiratory volume in one second (FEV1), and the FEV1/FVC ratio, each expressed as an absolute number and a percentage of predicted normal based on age, sex, height, and ethnicity. Results help distinguish obstructive patterns, such as asthma and COPD, from restrictive conditions, where lung expansion is limited. Underwriters rely on spirometry results to objectively assess the severity and stability of respiratory disease, how it responds to treatment, and whether impairment is mild, moderate, or severe. Accurate interpretation of spirometry results is critical for both clinical management and insurance risk evaluation, especially in applicants with smoking histories or chronic lung conditions.

In underwriting, spirometry results are requested when applications disclose asthma, COPD, chronic bronchitis, emphysema, or other lung issues. Underwriters examine FEV1 percent predicted, FEV1/FVC ratios, and pre- and post-bronchodilator values to gauge reversibility and control. Stable, near-normal spirometry results can support standard or mildly rated offers, while significantly reduced values often trigger heavy ratings or declines. Advisors can improve outcomes by obtaining recent spirometry reports, clarifying smoking cessation dates, and documenting adherence to inhalers or other therapies. Understanding spirometry results allows advisors to set realistic expectations about pricing, highlight the impact of improved control, and position carriers with greater appetite for respiratory risks.