Chartered Life Underwriter Exam 2025 – 400 Free Practice Questions to Pass the Exam

The use of a blood test for HIV is a common and effective method for insurers to screen applicants for the virus. This approach is based on the fact that blood tests can provide definitive and accurate results regarding an individual's HIV status. Unlike other methods, such as interviews or general health questionnaires, which rely on self-reporting and may not capture the full scope of an applicant's health condition, blood tests can objectively verify the presence of HIV antibodies or the virus itself.

The reliability of blood tests makes them a critical tool for insurers, as they help assess risk more accurately and ensure proper underwriting processes. Screening through clinical testing allows insurers to make informed decisions regarding coverage and premium rates while adhering to legal and ethical guidelines concerning privacy and discrimination.

While interviews, general health questionnaires, and third-party health assessments can provide valuable context or supplementary information about an applicant's health history and lifestyle, these methods do not offer the same level of specificity and certainty as a blood test for HIV.