New Jersey Life Insurance Exam Practice Question
What MUST a company do prior to conducting an HIV-related test?
Correct Answer: A
Rationale: Prior to conducting an HIV-related test, obtaining written authorization from the proposed insured is essential to ensure informed consent and respect for personal privacy. This step safeguards the individual's rights and complies with legal requirements regarding medical testing.
Option B, providing notification to the beneficiary, is not necessary before testing; consent from the individual being tested is paramount. Option C, notifying the Department of Health, is not a standard requirement for individual testing. Option D, notifying the applicant’s designated doctor, is not obligatory unless the individual chooses to involve their healthcare provider. Thus, written authorization is the crucial first step.
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