Please help me w/ a couple of questions

I had a male/female sexual encounter in Feb. 2003 where we had sex without a condom but there was no ejaculation.  I don't know about pre-ejaculation.  Anyway, I started feeling really weird and checked up on the symtoms (symptoms) of HIV.  I built up the courage to get tested in July 2003.  The test came back negative (blood test).  I thought that I could accept the results since the test was taken 5 months after the risky behavior but this fear continued to haunt me.  I was tested again in Dec. 2005 because my mom wanted me to get life insurance.  I did not get the results of the test but if they were positive wouldn't the insurance company be obligated to inform me?  They said they would insure me but my weight and high blood pressure caused me to pay a higher amount.  I have not had contact with this person since 2003, so I was thinking I should be ok.  I am just worried to death because I have been experiencing weight loss on my hips/thighs and about 6 months ago I started getting these freckel-ish looking spots on my feet and now it looks as if they are multiplying/spreading.  I know I should go get tested but I am extremely afraid.  I am a law student and have exams next month.  A positive result would shatter me, but I am also going crazy with worry!  Please help and advise!

[ExtremeStress]

You don't need to get any more tests. You are negative. Yes the insurance company would have contacted you. They would not have insured you if you were HIV positive and they also would have to inform you if you were HIV positive. The only thing you need to worry about is why your mother wants you to have a life insurance policy! Just Kidding!

[livinginfear]

Hi guys - I'm back with another question.  I went ahead and got up the courage to get tested at a local clinic.  This test was an oral rapid test and was done in 20 minutes.  Thankfully, the results came back negative but I was just wondering if anyone knew how reliable the oral test is.  All answers are greatly appreciated!

[ExtremeStress]

oralrapid test is as accurate as any. you are negative!