When applying for life ins. a hiv test was required. If your results are positive, will the ins company notify your doctor/primary care physician of the results? If you already have insurance with the company(inital hiv test was negative) will you then be denied coverage if your hiv results later become positive.

I don't know what the state laws are where you live as to physician notification requirements. They will notify you that your application is denied due to medical reasons. Hopefully, the actual HIV status will only be released to your physician so he/she can go over the results with you.

If you test negative and are sold the life policy, then any subsequent diagnosis or change in health status cannot be used to rescind the policy. They can't cancel your policy because you later turn up HIV+.