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Life insurance Test

Sep 10, 2004

Hi Dr. Bob, If a life insurance company tests for HIV and the test were to come back postive are they obligated to inform the person? I had a one time unprotected exposure during hetero-act 6 months ago. I recently applied for life insurance and they advised they would be conducting HIV test. They drew the blood and I signed a consent form. They issued the policy and never mentioned anythting..does that mean i am clear? Also, can stress about HIV mirror the actual symptoms? thanks Jay

Response from Dr. Frascino

Hi Jay,

I don't know if they are "obligated" to inform you of a positive test. However, I can assure you if your test was positive, they would never issue you a life insurance policy. That said, I would not recommend using life insurance screening as a substitute or surrogate for healthcare. Anyone who has placed themselves at risk for HIV should be HIV tested by standard laboratory procedures not apply for life assurance.

As for your second question, yes, stress can indeed mimic HIV symptoms. Just take a read through the archives of this forum for numerous examples of this very common phenomenon!

Stay well.

Dr. Bob

Greatful swede would like to say a million thanks to you Dr Bob and to donate to your fund

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