Chartered Life Underwriter Practice Exam 2025 - Free CLU Practice Questions and Study Guide

The most fitting method for an insurer to screen applicants for HIV is through a blood test. Blood tests are the standard and most reliable means for detecting the presence of HIV. They can provide definitive results and are commonly used in medical settings for this purpose. This option aligns with health regulations and practices for screening infectious diseases during the underwriting process.

While medical examinations can include various assessments, they may not specifically target HIV unless a blood test is integrated. Health history questionnaires can help in obtaining background information but are dependent on the applicant’s honesty and may not provide concrete medical evidence. A physical assessment generally evaluates a person's overall health status but is not designed to test for specific conditions like HIV.

In the context of insurance underwriting, the urgency for accurate and direct testing for HIV makes the blood test the most appropriate choice for screening applicants effectively.