Does Life Insurance Test For HIV?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Yes, along with many other diseases. The premium that is charged for your life insurance is based on many factors, diseases are a major portion of that equation. Life insurance is something that everyone should have and the younger you are when you purchase it the less it will cost you. Contact your local agent to discuss your specific needs to ensure that you get the plan that is right for you.
    Answered on April 18, 2013
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  2. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Yes, as part of the underwriting process one of the lab tests is for HIV. Depending on the state you are applying in, the acknowledgement of HIV testing may be in the wording just prior to the signature space. In other states, like mine, there also is a separate signed page that points out specifically that one of the lab tests will be for HIV. It also notes that you can place your MD there for receiving test results to go over with you and dozens of specialized clinics to help you.
    Answered on April 18, 2013
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  3. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    If you take a policy that requires an exam, the blood test will include testing for HIV. If you apply for a simplified issue policy with health questions, the health questions will usually ask if you are HIV positive or have AIDS. The only type of policy that does not test for HIV, or ask about it, is guaranteed issue life insurance.
    Answered on February 8, 2014
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