Testing positive for HIV after your Life Insurance policy is "In Force" has no affect on your life insurance coverage. Once the life insurance policy is issued the life insurance company can not change it because your heath has changed.

Testing positive for HIV before applying for a life insurance policy will be a decline with most insurance companies but not all.

Testing positive for HIV during an Insurance Health Exam will be a decline or at best postponed till you are rechecked by your own doctor. 

Being HIV positive will result in higher premiums for your life insurance, and restrictions on the amount of life insurance coverage you may purchase. However, you can get coverage.

It is very important that you are completely honest with your insurance agent before any formal application is submitted to a life insurance company for coverage. Learn more about HIV Life Insurance.