Does Life Insurance Test For HIV? 
Yes , as part of the underwriting process one of the lab tests is for HIV . Depending on the state you are applying in , the acknowledgement of HIV testing may be in the wording just prior to the signature space . In other states , like mine , there also is a separate signed page that points out specifically that one of the lab tests will be for HIV . It also notes that you can place your MD there for receiving test results to go over with you and dozens of specialized clinics to help you . 