Life Insurance Basics
What must an insurer obtain before requiring an HIV related test of a proposed insured in New York?
Answer and explanation
Answer: A. Section 2611 forbids an insurer or its designee to request or require an HIV related test without first receiving the individual's written informed consent. Departmental approval, medical justification and family consent are not part of the requirement.Source: N.Y. Ins. Law § 2611 — § 2611
More life insurance basics questions
- An estate consists largely of a family business and will face costs at death. How does life insurance serve estate conservation?
- An illustration shows a bonus credited in the twentieth policy year. When is that permitted?
- An insurer mails a policy to its producer for unconditional delivery to the owner. What is the significance of that?
- An owner paying annually dies four months into the policy year. What happens to the unearned part of that premium?
- An underwriter wants records from the applicant's doctor. What must be in place first?
- At delivery the applicant discloses a hospital admission that occurred after the application was signed. What follows?
621 New York questions like this one.
Every answer explained, the ones you miss come back on a spaced schedule, and a plan built from your exam date.