艾滋病毒檢測是否影響人壽保險？
艾滋病毒檢測是否影響人壽保險？
 The test has no baring on Life Insurance. Testing positive for HIV after a Life Insurance policy is in force has no affect on the policy. Once the policy is issued the company can not change it because your heath has changed. Testing positive before applying for coverage will be a decline with most companies but not all. Testing positive during an Insurance exam will be a decline or at best postponed till you are rechecked by your own doctor. Being HIV positive will result in higher premiums and restrictions on the amount of coverage. However, you can get coverage. It is very important that you are completely honest with your agent before any formal application is submitted. An experienced agent will do an underwriting pre qualification with a company prior to submitting the application.
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