How may an insurer screen applicants for HIV?

• A. Urine test for HIV
• B. Blood test for HIV
• C. Questionnaires only
• D. Saliva swab

Answer: (B)

When underwriters assess HIV status, they rely on objective lab results because only a test can confirm infection. The blood test for HIV is the standard method because it directly detects HIV antibodies or antigens with high accuracy, and is the test most widely accepted and used in underwriting.

Urine testing isn’t a reliable or standard approach for confirming HIV infection in underwriting. Saliva-based tests exist and can be rapid, but they’re not the primary method insurers rely on for underwriting decisions due to variability and acceptance. Relying on a questionnaire alone cannot determine HIV status, since individuals may be unaware or unwilling to disclose, and it cannot confirm infection.

Remember, HIV testing requires informed consent and appropriate handling of sensitive information, but the method most consistent with underwriting practices is a blood test.