IMHO a person would have been diagnosed as having AIDS. Test results would only have indicated what final condition led to the life stopping. It does not matter what other infection you died from, the root cause is AIDS.
Aids disable the immune system so it cannot be defending when attacked. In the process other infections flourish. As the AIDS virus infects all your immune system bodies, you are totally incapable of defending yourself.
Although I do not think it was intended so, the modern day version of the “War of the Worlds” summed it up well. The Martians were not able to defend themselves against the viruses we have on Earth.
You die of a gunshot wound not the hemorrhaging that actually caused the death. Also so from a knife wound. You die of AIDS as the root cause, not the last infection you had as a cause of AIDS disabling your immune system.
As far as the insurance, it is easy for them to determine your death was through AIDS as it is a recognized death in the actuary sciences. Your blood samples would show it months before you died. Dying of AIDS is not sudden. Most properly the person anyway had the insurance lapsed due to lack of meeting payments, as most AIDS victims are incapable to work for years before death..
I saw someone for the first time in my life on Thursday that has full blown AIDS. A 6’4” skeleton of a man in his early 20’s. A walking corpse.
Ideologically AIDS is not a good word in Africa. Point is that although Black Africans are now the hardest hit, it is also going to hit the White Africans just as hard. It has already started.
Mixing words and semantics on AIDS serves no purpose.
Put the cause of death as AIDS – it is the right thing to do.