Life and disability income insurance: HIV tests.

Existing law generally regulates classes of insurance, including life insurance and disability income insurance. Existing law, on and after January 1, 2023, prohibits a life or disability income insurer from, among other things, requiring an HIV test to determine an individual's insurability, except as specified, and from considering specified traits of an applicant, including actual or perceived sexual orientation, in determining whether to require an HIV test of that applicant. Existing law, on and after that same date, prohibits a policy or certificate from limiting benefits otherwise payable if a loss is caused by or contributed to by HIV or AIDS, unless the insurer could have declined…