I like your message, but insurance companies actually profit when everything is going great. Insurance companies would like nothing more than for everyone to be perfect, and never need to file a claim.
any for profit insurance only makes money by denying claims. they cant possibly cover all claims. its an inherent property of insurance and why its more like gambling than anything. the profit piece just means more money is siphoned away from the distributed responsibility.
with health insurance that claim is a human suffering
Become a sovereign citizen (or at least play one for your marketing material) and through the power of belief in bullshit, you can sell courses on trading social security benefits to credulous morons.
You can get married and die first, after charging your spouse an appropriate amount based on the anticipated payout minus future discounting. Or die second, having made that kind of payout.
The important thing is to negotiate hard with medical histories and historic rates of pay being brought as evidence. You’ll probably want to get lawyers involved.
You are welcome to do the normal thing of getting a loan and using benefits to pay for it, which is basically what you are trying to to do but there are 2 separate institutions. One to track the payments to you and the other to track the payments to your loan.
If you want to buy someone's benefits, give an advanced loan or have them put the benefit payments into an escrow account that will pay out to you. You are trying to short circuit the system and there is no need or reason to. What you want to do is already available but it's using different financial instruments.