What must a company obtain before conducting an HIV-related test?

Before conducting an HIV-related test, a company is required to obtain written consent from the proposed insured. This requirement is crucial as it aligns with privacy laws and regulations that govern the handling of sensitive health information. Written consent ensures that the individual understands what the test entails, its implications, and that they are voluntarily agreeing to undergo the test without any coercion.

The necessity for written consent is particularly significant in the context of HIV testing, given the stigma and privacy concerns associated with HIV status. By obtaining written permission, insurance companies are also protecting themselves legally, as it establishes a clear record of consent that can be referred to in case of any disputes or questions regarding the testing process.

In contrast, other types of consent or approvals, such as verbal consent, approval from a state agency, or an insurance policyholder's agreement, may not fulfill the legal requirements to protect individual rights and privacy related to testing for HIV. Therefore, the correct answer emphasizes the importance of obtaining informed, written consent from the proposed insured prior to proceeding with any HIV-related testing.