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Life Partners
Life Partners, Inc.〔Life Partners Inc, at www.lifepartnersinc.com〕 is a life settlement provider headquartered in Waco, Texas. LPI's parent company, Life Partners Holdings, Inc.〔Life Partners Holdings Inc., at www.LPHI.com〕 delisted from the NASDAQ and currently trade on the OTCPK under the ticker LPHI.Q. This follows the company seeking Chapter 11 bankruptcy protection, resulting from a total of $46.9 million in penalties levied against the company and two officers.
==The architect of life settlements==
Life Partners Inc. is the world’s oldest life settlement provider and one of the most active companies in the world engaged in the secondary market for life insurance.〔Life Partners, Inc. was incorporated on September 10, 1991 www.lifepartnersinc.com/about/certificateofincorporation.pdf making it the oldest life settlement company in the world. As with all life settlement companies and brokers of that time frame, its first transactions were viatical settlements in which the insured has a terminal illness and is not usually elderly. According to Life Partners’ records, it closed its first life settlement on a non-terminal, elderly insured on Sept. 30, 1997. Pennsylvania life settlement company Coventry First, LLC claims to have conducted the first life settlement transaction www.coventry.com/about-coventry-our-history.html , but the company was not formed until February 22, 2000 Look up “Coventry First” at: www.corporations.state.pa.us/corp/soskb/Corp.asp?1833218 .〕 Life Partners Inc. is the architect of the newest asset class, life settlements;〔Rosenfeld, S. (2009).Working paper #0920. Life Settlements: Signposts to a Principal Asset Class. The Wharton School, University of Pennsylvania, p.3. Retrieved on March 21, 2014 from http://fic.wharton.upenn.edu/fic/papers/09/0920.pdf〕 which has grown over the past decade to become an $80 billion industry.〔Life settlement economics and risks. Tools & Technics: Life Settlement Planning. Ch. 10, p. 86. Retrieved March 21, 2014 from http://insurancestudies.org/wp-content/uploads/2010/05/ISI_Chapter_LS_Economics_Risks.pdf〕 By selling the policy, the policy holder receives an immediate cash payment to use as he or she wishes.
Return on investment is computed from the difference between the cost basis (including any premiums paid) and the amount paid out under the policy upon the demise of the insured. After the policy pays out, an annualized return on investment may be derived from this yield by adjusting it for the holding period of the investment.〔Rosenfeld, S. (2009).Working paper #0920.Life Settlements: Signposts to a Principal Asset Class. The Wharton School, University of Pennsylvania, p.23. . Retrieved on March 21, 2014 from http://fic.wharton.upenn.edu/fic/papers/09/0920.pdf〕
Life settlements are an alternative, long-term investment unaffected by market conditions, global economy, or world events. Life settlements provide the opportunity for long-term growth and a superior return potential〔Januario, Afonso V. and Naik, Narayan Y., Empirical Investigation of Life Settlements: The Secondary Market for Life Insurance Policies (December 5, 2013). Available at SSRN: http://dx.doi.org/10.2139/ssrn.2278299 p. 18.〕 which is not linked to the performance of traditional financial markets.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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