When you apply for life insurance, the company may require an HIV test. If an HIV test is required, you should be informed about who will carry out the test, how the information will be used and who will have access to the test results.
Some insurance companies offer insurance policies for HIV-positive individuals. Others exclude someone from coverage under a "pre-existing condition" clause. Such a clause means the insurance policy will not cover claims made for health conditions that existed at the time the policy began. Some insurance policies, such as those for travel and additional health or disability coverage, may specifically exclude coverage for HIV/AIDS.
If you are already covered by an insurance policy when you test positive for HIV, as long as you continue to pay your premiums the insurance policy must continue according to its terms. Since you did not have HIV when you took out the insurance, you are entitled to the insurance coverage you bought. If your insurance company refuses to pay for an HIV/AIDS-related claim, get legal advice.