An applicant for life insurance must be informed that testing for Human Immunodeficiency Virus (HIV)...

Comprehensive and Detailed Step by Step Explanation:HIV testing is used by insurers to evaluate the health risks associated with the applicant anddetermine insurability.

The insurability of the proposed insured (D):Correct. HIV status can impact underwriting decisions, subject to Maryland’s anti-discrimination laws.

The type of policy issued (A):Irrelevant, as this is determined by the applicant’s preferences and eligibility.

Effective date and term of coverage (B):Determined separately from medical testing.

Whether an insurable interest exists (C):Based on the relationship between the policyholder and insured, not medical testing.

References:Maryland Insurance Code §27-208, HIV Testing Disclosure Guidelines, and Maryland Human Rights Act.