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Mont law requires that the agent read this entire statement to you aloud, subject to penalties to the agent and the Insurer. To determine your insurability, the Insurer named above (the Insurer) may request a sample of your blood, oral uid (OMT) and/or urine for testing and analysis. One of the tests will be to determine the presence or absence of antibodies to the HIV virus. HIV is the virus that causes AIDS (Acquired Immunode ciency Syndrome). The test is actually a three-step test protoc.

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