Home' South Florida Gay News : SFGN 010616 Contents 14 • 01.06.2016
GENSTEM PROLOTHERAPY INSTITUTE FOR
GENZONE AGE MANAGEMENT MEDICINE
Look younger and more vital through bioidentical hormone replacement
therapy with testosterone, human growth hormone (HGH), HCG, Clomid
therapy, estrogen, vitamins, nutraceuticals, exercise and nutrition. Our
“alive again” protocols restore function and energy. Help yourself to live
the best life possible and enjoy a healthy lifespan.
Got some tattoos that you want removed?
Too much hair on your body?
Laser treatments will effectively take care of this for you.
Do you suffer from chronic pain in your neck, back or any joints (shoul-
der/knee)? Prolotherapy and/or platelets (PRP) and stem cells can
make you pain-free.
LOOK YOUR BEST, FEEL YOUR BEST AND BE YOUR BEST.
Dr Charles Mahl MD FACS FICS
Genlife Regenerative Medicine
The leaders in regenerative medicine & stem cells
CALL FOR APPOINTMENT
Tel:305.332.7234 Toll Free: 844.859.7788 Fax:305.669.0241
2333 Ponce De Leon Boulevard Suite 302. Coral Gables, Florida 33134
On Worlds AIDS Day, 2015, the insurance
company, Prudential, began selling
life insurance to people infected with
HIV. Cliff Eserman, President of Incompas
Financial, described this as “A huge symbolic
step forward, compared with 30 years ago.”
HIV treatment has advanced enough that
life insurance companies can see a potential
profit in the HIV positive market. These
companies have to be fiscally conservative,
limiting their risk. As these companies only
sold life insurance to the HIV uninfected,
these companies lack data on persons
living with HIV who buy life insurance. The
companies are ‘tip-toeing’ into this area to see
what the risks are. As the risks become more
predictable, “they can potentially liberalize
their criteria going forward, or maybe even
lower costs as maybe other insurance carriers
join in,” Eserman said.
While this event may signify HIV becoming
a manageable disease, not all groups of the HIV
infected find HIV to be equally manageable.
Data from HIV studies do show differences
among groups of the HIV infected. The life
expectancies for non-whites and people who
inject drugs have failed to increase as much as
they have for other groups.
One study (Samji 2013) examined
differences in life expectancy among the
HIV infected in treatment. It compared life
expectancy by sex, race, and HIV risk group.
The study calculated additional expected
years of life for a 20-year old infected with
HIV and in treatment.
In order to observe progress over time,
the study organized data in three time-based
groups based on years of data collection: 2000
to 2002, 2003 to 2005, and 2006 to 2007. Life
expectancy among all HIV infected people
increased by 15.3 years, to 71.4 -years old. In
the U.S ., a 20-year old male can expect to live
to 77 and a 20-year old woman to 81.7 years
HIV infected people with a history of drug
injection have the lowest life expectancy of
all groups studied. On average, they only live
to be 48.8 -years old. While racial differences
exist, these differences decreased over time
of the study. In the 2000-2003 group, HIV
infected whites lived on average 23 years
longer than non-whites. In the 2006-2007
group, that gap had shrunk to 8.5 years, an
impressive 63 percent reduction. Despite that
impressive 63 percent reduction, HIV infected
non-whites live on average roughly 8.6 years
less than the general population and 8.5 years
less than white HIV infected. In the developed
world, women tend to live noticeably longer
than men do. This study found no stable
pattern by sex.
These life expectancy figures arise from one
study. They may not reflect those of all HIV
infected but they are consistent with other
findings. These figures do suggest serious
differences in benefits of treatment among
the HIV infected.
liFe insurAnce For PoZ PeoPle
Questions about who needs life
TV financial advisor Suze Orman argues
that only people with dependents need life
insurance. Dependents can include children,
disabled adults, spouses/partners, and aging
parents. If your partner depends on your share
of the rent/mortgage payment to keep a roof
over their head, you are dependent on each
Many people living with HIV would not rank the
unavailability of life insurance as their major
concern. Still its availability has great symbolic
importance to signify progress in treating the
epidemic. Improvements in treatment fail to
benefit all groups equally. We cannot control
the epidemic until they do.
To read Suze Orman’s blog on who needs life
insurance, please visit SuzeOrman.com/blog/
For information on buying life insurance for
the HIV infected, please visit MyaEqualis.com
or visit Incompass (Cliff Eserman’s company)
To read Samji 2013, please visit http://bit.
Both a symbol of progress, and a mask for differences
Links Archive SFGN 123015 SFGN 011316 Navigation Previous Page Next Page