Life Insurance Basics
What must the written informed consent for an HIV related test contain under section 2611?
Answer and explanation
Answer: D. Section 2611 requires the authorization to describe the test and its purpose, state that a positive result indicates possible development of AIDS, identify who may receive the results, give the Department of Health's toll-free number, and carry the individual's signature. It does not deal with pricing, waivers or the choice of laboratory.Source: N.Y. Ins. Law § 2611 — § 2611
More life insurance basics questions
- An adverse underwriting decision rests on an HIV related test result. What does section 2611 require of the insurer?
- An advertisement describes a life policy chiefly as a savings and investment plan. Why is that a problem?
- An applicant applies without paying any premium. The insurer issues the policy exactly as requested. When is the contract formed?
- An applicant believes the personal information an insurer holds is inaccurate. What recourse is provided?
- An applicant pays the premium with the application and receives a conditional receipt, then dies before the policy is issued. What governs the claim?
- An applicant presents better than average health and habits. Into which class is she ordinarily placed?
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