“Can We Still Use The Same Exam?" We often hear this question in underwriting. Perhaps a client recently placed coverage and is considering applying for more. Or maybe they did not receive the rate class they applied for and wish to apply to a different carrier. Whatever the scenario, it’s always...

Asthma is a chronic inflammatory disorder of the air passages that results in temporary narrowing of the airways. Symptoms include difficulty breathing, wheezing, coughing and tightness in the chest. It affects over 7% of adults in the U.S. Spirometry is a lung function test used to diagnose and determine...