HIV test is a laboratory or rapid diagnostic test that detects infection with the human immunodeficiency virus, typically by identifying antibodies, antigens, or viral RNA in blood or oral fluid. Early detection allows timely initiation of antiretroviral therapy, improving prognosis and reducing transmission risk. In insurance underwriting, HIV testing may be included in lab panels for higher face amounts or certain risk profiles, subject to state laws and consent requirements. A positive result has major implications for insurability and must be handled with strict confidentiality.

Underwriters rely on HIV test results from paramed or lab work when evaluating applicants, especially at higher coverage levels. Advisors should inform clients that certain jurisdictions require explicit consent for HIV testing and that results are shared only as allowed by law. A positive test usually triggers additional medical underwriting and may limit carrier options. Understanding HIV tests helps advisors discuss lab requirements transparently while reinforcing privacy protections and the importance of early treatment for those who test positive.