Life Insurance Basics
An adverse underwriting decision rests on an HIV related test result. What does section 2611 require of the insurer?
Answer and explanation
Answer: A. Section 2611 has the individual designate on the authorization form who may receive the specific result in the event of an adverse underwriting decision, which may be the individual, a physician or another designee. The insurer neither chooses that recipient nor withholds the result.Source: N.Y. Ins. Law § 2611 — § 2611
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