New York State Life Insurance Exam Questions 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 a written authorization from the proposed insured is essential to ensure informed consent and protect the individual's privacy rights. This requirement aligns with ethical standards and legal regulations regarding medical testing.
Providing notification to the beneficiary (Option B) is not mandatory before testing; the focus is on the individual's consent. Notifying the Department of Health (Option C) is typically not required for individual tests unless mandated by specific public health laws. Lastly, obtaining approval from the applicant's designated doctor (Option D) is not necessary, as the individual's consent suffices for the test to proceed.
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