Hello tolibp: Perhaps some other members, here on PC, may have some thoughts with regard to this. My thinking would be it is really something you're going to have to consult an attorney about where you life. My guess is the laws where you live are going to have a significant impact on whether or not this is possible & what the ramifications might be. I noticed, though, this is your first post here on PC. So... welcome to PsychCentral! I hope you find PC to be of benefit.

One other forum, here on PC, that may be of interest to you would be the innsurance & finances forum. Here's a link:

https://forums.psychcentral.com/insurance-finances/