How to profit from an AIDS denialist

Have I got a great investment opportunity for one of those AIDS apologists–someone who believes that any person testing positive for HIV antibodies will inevitably get AIDS and die in short order if they don’t take the drugs.

I have a life insurance policy that I can no longer afford to keep, and I’ve decided to cash it in while alive, rather than after I’m dead.  It is life insurance, after all.

I’ll give the details below, but here’s the gist of the offer:  I will sell my life insurance policy for a fraction of the death benefit value and in return I will pledge to never take ARVs (anti-retroviral drugs).  I’m willing to sign whatever legal document is required to protect the investor.

According to the orthodox view of HIV and AIDS, I have surely already exceeded the average life expectancy for an HIV-positive person who does not take AIDS drugs.  I’ve been poz for eleven years, since December, 1998.  I quit taking all HIV-related medications nearly seven years ago in February, 2003 and do not intend to take them again.  Actually, I have no idea how long someone is expected to live without the drugs, but know it isn’t supposed to be very long.  I can find no research willing to take a stab at current life expectancy without ARVs since last century, so anyone with that information is welcome to contact me.

This is a MetLife whole life policy with a face value of $88,000, current death benefit of $93,350, and an annual premium of $2,242.64.  There is an outstanding loan of about $8,500.

These types of policies used to be hot commodities for viatical settlement companies a decade ago, often paying up to 85% of face value, but have fallen out of favor since poz people are no longer dropping like flies.  Conventional wisdom attributes this improvement in longevity to ARVs, though some of us are finding out that we can live well without the drugs, provided we make the changes to our lifestyle necessary for good health.  AIDStruthers are adamant this isn’t possible.

I am not one of those rare “elite controllers” who have an undetectable viral load without ARVs.  I have a detectable viral load that bounces around.  My complete lab history can be seen right here on my blog.

If I’m wrong, I should be dead in a few years, right?  So a smart orthodox investor might be interested in buying my policy, paying the premiums and collecting the death benefit when I succumb to their theory.

Given those circumstances, and my willingness to forego any AIDS drugs, I think asking for 50% of the face value is a great bargain, but I might even be willing to negotiate an offer for less. I’ll payoff the loan from my portion of the sale, of course.  Assuming I live another five years (a preposterous assumption according to the AIDS orthodoxy), the investor will have contributed about $55,000 to collect more than a $93,000 payoff.

I’m also open to just about any other reasonable offer, minus the above pledge to never take ARVs, as I’m considering relinquishing the policy for the existing cash value (a pittance).  I’d love to do better and given the beliefs of so many AIDStruthers, I don’t see how one of them can pass up this opportunity to turn a goodly profit and have a chance to gloat at my demise at the same time!

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