Washington Life Producer Practice Exam

Which method can an insurer use to screen applicants for HIV?

1. Physical examination

2. Blood test for HIV

3. Urine analysis

4. Health questionnaire

The correct answer is: Blood test for HIV

The method of using a blood test for HIV is a widely recognized and effective approach for insurers to screen applicants for the presence of the virus. Blood tests can provide definitive results regarding an individual’s HIV status, making them a reliable indicator for risk assessment within the insurance application process. This testing method aligns with health industry standards for identifying HIV and aids insurers in evaluating potential policyholders' health risks and determining coverage eligibility. It allows for precise and accurate results that help insurers manage exposure to risk effectively. Other screening methods, such as physical examinations, urine analyses, and health questionnaires, may provide some information about an individual's overall health but do not specifically test for HIV in the same definitive manner that a blood test does. For instance, health questionnaires might gather information about an applicant's medical history but cannot confirm current HIV status without further testing. Therefore, a blood test stands out as the most direct and effective screening tool for HIV in the context of insurance.