Which statement is FALSE with respect to HIV testing?

• A. A person may opt-out of HIV testing
• B. HIV testing is voluntary
• C. Consent is required
• D. Testing may be requested by underwriting guidelines

Answer: (A)

HIV testing in life insurance underwriting hinges on consent. The process is voluntary and requires explicit informed consent from the applicant. Underwriting can request the test, but it cannot be performed without the applicant’s agreement, and the applicant has the option to proceed or decline.

The statement about opting out implies a default test that occurs unless the applicant declines, which isn’t how consent-based testing works. Therefore, that option is the false one. The other statements reflect the reality: the test is voluntary, consent is required, and underwriting guidelines may request testing.