WO2007013920A2 - Systems and methods for a market economic approach for bonding a specific economic process - Google Patents
Systems and methods for a market economic approach for bonding a specific economic process Download PDFInfo
- Publication number
- WO2007013920A2 WO2007013920A2 PCT/US2006/028033 US2006028033W WO2007013920A2 WO 2007013920 A2 WO2007013920 A2 WO 2007013920A2 US 2006028033 W US2006028033 W US 2006028033W WO 2007013920 A2 WO2007013920 A2 WO 2007013920A2
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- WO
- WIPO (PCT)
- Prior art keywords
- financial
- grantor
- contributor
- life
- funding entity
- Prior art date
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- 230000036541 health Effects 0.000 description 4
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- 208000019901 Anxiety disease Diseases 0.000 description 1
- 206010010144 Completed suicide Diseases 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- This application relates to systems and method for providing elder care and, more particularly, relates to systems, methods and financial instruments that provide an economic process for selective quality of life enhancements for elders and financial incentives to participating financial contributors.
- a method begins when a contribution is made by a , financial contributor to a funding entity or foundation.
- the financial contributor may be a donor, such as an individual, but not necessarily related to a grantor or elder.
- the financial contributor may be a lender, investor, or any other suitable source of funding.
- the funding entity uses the contribution or the paper value of a portfolio of contributions to invest in a targeted investment program, such as a high yield trading platform, to generate revenue.
- the resulting revenues from the investment program are provided to the funding entity in order to help improve the quality of life for a grantor or elder during the life of the grantor.
- the assets of the targeted investment program are distributed to the financial contributor and/or the funding entity.
- a financial instrument that provides quality of life enhancement benefits to aging persons.
- the financial instrument comprises a life insurance policy on a grantor for purchase by a funding entity with funds contributed by a financial contributor.
- the portion of the revenues provided by the financial contributor is used for two purposes: (1) pay premiums on the life insurance portfolio, and (2) improve the quality of life for the grantor during the life of the grantor.
- a financial value may be calculated or hypothecated on the life insurance portfolio, for example, by a financial institution that engages in the trading of such hypothecated values.
- the funding entity may subsequently use the hypothecated value on the portfolio to secure cash loans for making investments, for example, in the above-mentioned targeted investment program to generate additional revenues, which may be used to provide services to the grantor.
- the assets of the life insurance policy are distributed to the financial contributor and/or the funding entity, for example, based on a sliding scale.
- FIG. 1 is an exemplary block diagram illustrating the primary transactions and interactions among various entities in accordance with an embodiment of the present invention.
- FIG. 2 is an exemplary sliding scale distribution scenario for distributing benefits of a life insurance policy between the funding entity and a financial contributor in accordance an embodiment of the present invention.
- FIG. 3 is a flow chart of illustrative stages involved in bonding a specific economic process for quality of life enhancements to elders in accordance with an embodiment of the present invention.
- an embodiment of the invention generally involves a method of bonding a unique and specific economic process with specific programmatic solutions that cause quality of life enhancements to elders in a way that no other method can replicate.
- a financial contributor may be a donor, such as an individual.
- the financial contributor may be a lender or investor, such as a bank, a financier, a mutual or hedge fund, or any other suitable source of funding.
- the grantor (a.k.a. an aging person or an elder) is an older man or woman selected to participate in an ongoing life care program (the selection process is further described below).
- the financial contributor and grantor need not be related.
- the example also describes a funding entity or foundation, specifically referred to as the Elder LifeCare Foundation Trust that uses targeted investment programs (e.g., life insurance policies, etc.) in innovative ways.
- grantors are told about the programs offered by the funding entity to help them with their quality of life.
- a group of grantors are selected to participate in the programs. Each selected grantor chooses which programs are desired. For example, nursing or depression counseling may be desired for a particular grantor.
- These programs have associated costs, but the cost would not be passed on to the grantor, but instead would be paid by the funding entity (the Foundation).
- the grantor grants the funding entity the right to obtain life insurance on the grantor's life.
- the funding entity then applies for life insurance on the grantor.
- the funding entity (the Foundation) arranges for a financial contributor to provide the premium for the life insurance policy and helps to underwrite the services and programs that are provided to the grantor /elder.
- the agenda of the funding entity is structured to serve life-enhancing interests critical only to the needs of people over a threshold age, such as 70 years of age. Besides a program that monitors and advises elders on life-enhancement strategies that focuses on health, safety, security, and longevity of the individual, one easily could say that all of the funding entity's programs constitute a direct and significant value contribution to the life and well-being of each elder person. Sustaining such programs is understood by all to be of high interest to all elder persons. Conversely, any threat to such programs could adversely affect the safety, security, maintenance, longevity, health and quality of life of elders who are able to capture the services of such programs. As a service for elders, the funding entity meets conventionally known tests of an insurable interest.
- the primary insurable interest served by this program is consistent with and virtually at the core of current life insurance industry practice, which is to protect the funding entity against potential financial risks associated with, for example, paying direct costs of housing and healthcare services out of its endowment.
- life insurance assets enable the funding entity to provide present day benefits to grantors by leveraging a certain future financial event that promises to restore present costs associated with the provision of services and enables the benefits to be sustainable and scalable.
- the life insurance policy mitigates the financial risks associated with the costs of providing quality of life enhancements to its elder members.
- the cost recovery objective of using life insurance will allow the funding entity to continue providing benefit services to the exponentially expanding needs of the retirement explosion currently in progress.
- the Elder LifeCare Foundation and/or its financial guardian, ELF Trust Company is the sole owner and applicant of the life insurance policy issued on the life of the insured, in this case a grantor, who authorizes the foundation to apply for and own a life insurance policy on his or her life by "granting permission".
- the ownership of the life insurance policy may be held by a financial contributor to the ELF Trust Company or may be held collectively by both a financial contributor and the ELF Trust Company.
- FIG. 1 shows an exemplary diagram of the primary transactions and interactions among the above entities.
- a financial contributor 102 who may be a donor, a lender, an investor, or any other source of funding makes one or more financial contributions to funding entity/foundation 104.
- the one or more financial contributions may come in a variety of forms, such as a single lump sum payment or numerous periodical payments.
- a grantor 106 or elder involved with funding entity 104 grants funding entity 104 the right to use their involvement for the benefit of funding entity 104.
- grantor 106 gives permission to funding entity 104 to apply and own a life insurance policy 108 in the name of grantor 106.
- funding entity 104 utilizes the funding provided by financial contributor 102 to pay the necessary premium or other associated cost.
- the ownership of life insurance policy 108 may be held by financial contributor 102 or shared jointly by both funding entity 104 and financial contributor 102.
- funding entity 104 may invest the lump sum or periodical contributions made by financial contributor 102 in another specific, targeted investment program 110. Both life insurance policy 108 and targeted investment program 110 will generate revenue to fund the endowment trust of funding entity 104, which is then used to provide life enhancement services to grantor 106.
- the generation of revenue may be similar to commonly known investment programs.
- life insurance policy 108 two types of revenue generation operations may be involved.
- the face value of life insurance policy 108 may be evaluated to hypothecate a tradable value, which may be utilized to secure cash loans for investing, for example, in another targeted investment program 110, thereby generating a stream of revenue.
- the mortality benefit 110 associated with life insurance policy 108 may be apportioned to both funding entity 104 and financial contributor 102, for example, according to a sliding scale. Examples and further details of such a sliding scale will be discussed in more detail below.
- funding entity 104 is able to provides individualized services 112 designed to improve the quality of life of grantor 106.
- the targeted services will improve the safety, security, health, and longevity of grantor 106; thereby, improving his/her quality of live. This tripartite relationship is maintained during the lifetime of the grantor.
- funding entity 104 and financial contributor 102 may collaboratively, but not necessarily equally share as beneficiaries of the investments made by funding entity 104.
- One exemplary sharing method is a sliding scale method for determining the distribution of the relative assets of the investment program.
- a sliding scale adjusts how assets are distributed from an initial distribution to an alternative distribution over time.
- the sliding scale method ensures fairness to funding entity 104 while also guarantees sustained financial interest of financial contributor 102 that meets the requirements of insurable interest.
- the assets may be apportioned so that the longer grantor 106 lives the greater the distribution share to financial contributor 102.
- the arrangement is fair in view of the greater amount of contribution that financial contributor 102 had to make during the relevant living years of grantor 106.
- FIG. 2 One example of a sliding scale consistent with an embodiment of the present invention is shown in FIG. 2.
- a grantor has given permission for the funding entity to secure a life insurance policy having a face value (202) of $20,000,000 that requires premium contribution (204) of $900,000 on a yearly basis.
- a mortality prediction (206) of 10 years is made.
- An initial contribution (208) of $2,000,000 is also required on the policy.
- a sliding scale (210) for sharing the benefits of the policy is devised such that the share received by the funding entity/foundation is reduced each year for the 10 year period. Specifically, if death of the grantor results in year 1 , the funding entity/foundation will receive 55% (212) of the policy benefits, while the financial contributor will receive the remaining 45%. If death results in year 2, the funding entity/foundation's share reduces to 51% (214) with the remaining 49% going to the financial contributor. The funding entity/foundation's share reduces even further for the next 8 years until it eventually reaches 1% (216) in year 10.
- FIG. 2 is merely given as an example of a suitable sliding scale method of distribution. Any other suitable scales may be used without departing from the spirit of the present invention.
- an embodiment of the bonding of a specific economic process for provision of quality of life enhancements to elders involves a series of stages, which are illustrated in the exemplary flowchart of FIG. 3.
- a funding entity As mentioned above, the contribution may be one lump sum payment or numerous periodical payments.
- the at least one financial contribution is used to contribute to a targeted investment program, where the targeted investment program may be, for example, a known investment program or a life insurance policy on the life of the grantor.
- revenue generated may be provided to the funding entity for the benefit of and to improve the quality of life for a grantor during the life of the grantor at stage 306.
- assets of the targeted investment program may be distributed to at least one of the financial contributor and the funding entity upon the death of the grantor at stage 308.
- a group of grantors are typically selected from the population for participation in the programs that improve their quality of life in an embodiment of the invention.
- a selection process is typically used to help keep the group of grantors collectively matching the standard mortality tables.
- grantors can be selected in groups drawn from the population described by mortality tables in a way that the sample group is expected to perform like the population from which it was drawn.
- 80 elders may be initially identified as interested in the programs, but only a subset of these elders is eventually selected. To find the right subset, iterative analysis may be done to look for a "goodness of the fit" for the current subset of elders.
- the Funding Entity/Foundation builds the capital necessary to deliver compelling promise of life enhancing insurable interest benefits to senior citizens.
- the incentives for the financial contributor may come in a variety of forms. For example, there is an incentive for the financial contributor based upon public awareness. Essentially, participation in this program is a type of public relations benefit to the financial contributor for playing a significant role in providing quality of life enhancements for elders. A financial incentive also exists with regard to a return on the financial contributor's initial and/or premium contributions. This incentive would materialize in the form of the death benefit payout being larger than the contributions made. Yet another exemplary benefit for the financial contributor is a tax-based financial incentive. For example, the U.S. tax code may provide for special tax advantaged treatment for the financial contributor as a direct or indirect result of the financial contributor's contribution in a socially-beneficial program.
- a modified approach to funding may be used.
- an insurance carrier services in the role of writing the policy as well as funding the premiums and making contributions (or loans) to the funding entity/foundation.
- the insurance company or other type of financial entity serves as both the life insurance underwriter and the financial contributor. In such an embodiment, there is no need for an independent source for the financial contributions.
- the Elder LifeCare Foundation Trust uses life insurance policies in an innovative fashion.
- Each person with whom the Elder LifeCare Foundation works has an opportunity to decide which of the complex of programs he/she chooses to become involved in a key fashion.
- an individualized LifeCare plan is developed for that particular elder citizen in his/her path to an improved quality of life. This person then grants the foundation the right to insure his/her life for the costs of supporting his/her involvement in this individualized LifeCare plan.
- a program of this type may include combinations of the following services: Level I
- the Elder LifeCare Foundation Trust may provide an ElderCare Housing and Urban Development Program in accordance with an embodiment of the invention in order to resolve the housing problems of aging persons.
- the Trust may acquire property (e.g., ten to twenty acres of land), prepare the land, and build residential housing on the land (e.g., thirty freestanding, furnished 2,000 square feet houses). These houses may be available at no cost to the aging person couples selected for this program. On this well designed and landscaped plot of land, there may be housing for many of the other programs of services designed by the Trust.
- the Foundation may work jointly with the couples selected for this program and one of the financial institutions with whom the Elder LifeCare Foundation has developed working relationships and work out developing an immediate pay annuity for the older couple.
- the Trust may provide a comprehensive program of support services offered to couples participating in the ElderCare Housing and Urban Development Program in an embodiment of the invention.
- comprehensive support services may be offered to help the elder achieve an elevated quality of life through modifying the environment and providing support services sufficiently to allow him/her to live in his/her residence as long as possible and ideally until his/her death.
- These support services may include all required nursing care; a local, dietician planned meal service delivered through congregate dining up to the delivery of individual meals to the person in his/her home; an outpatient partial hospitalization-like psychiatric support services to ameliorate the disabling symptoms of clinical depression, elevated probability of suicidal behavior, and generalized anxiety.
- the Trust may provide a residential education and support program that provides for the care and support of the disabled person for the remainder of his/her life at no cost to the identified disabled person or the elderly family member.
- These programs may be located on the same plot of land as the ElderCare Housing and Urban Development Program or on land located near by, or perhaps in a remote site developed specifically for this program.
- This program may provide a wide range of prescriptive special education and individual and group cognitive behavioral psychotherapy along with all the routine support services required for a quality life style.
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP06787858A EP1910993A2 (en) | 2005-07-21 | 2006-07-20 | Systems and methods for a market economic approach for bonding a specific economic process |
CA002616126A CA2616126A1 (en) | 2005-07-21 | 2006-07-20 | Systems and methods for a market economic approach for bonding a specific economic process |
AU2006272914A AU2006272914A1 (en) | 2005-07-21 | 2006-07-20 | Systems and methods for a market economic approach for bonding a specific economic process |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US70109005P | 2005-07-21 | 2005-07-21 | |
US60/701,090 | 2005-07-21 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2007013920A2 true WO2007013920A2 (en) | 2007-02-01 |
WO2007013920A3 WO2007013920A3 (en) | 2007-05-10 |
Family
ID=37683783
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2006/028033 WO2007013920A2 (en) | 2005-07-21 | 2006-07-20 | Systems and methods for a market economic approach for bonding a specific economic process |
Country Status (6)
Country | Link |
---|---|
US (1) | US20070022034A1 (en) |
EP (1) | EP1910993A2 (en) |
AU (1) | AU2006272914A1 (en) |
CA (1) | CA2616126A1 (en) |
RU (1) | RU2008106036A (en) |
WO (1) | WO2007013920A2 (en) |
Families Citing this family (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7756790B2 (en) | 2004-02-23 | 2010-07-13 | Coventry First Llc | Life settlement/settlement with paid-up policy system and method |
US8103565B2 (en) * | 2005-02-10 | 2012-01-24 | Coventry First Llc | Method and system for enabling a life insurance premium loan |
WO2007121460A2 (en) * | 2006-04-18 | 2007-10-25 | American International Group, Inc. | Trust program for providing integrated services for personal injury settlement clients |
US20080052211A1 (en) * | 2006-06-14 | 2008-02-28 | Buerger Alan H | Method and system for protecting an investment of a life insurance policy |
US20080288268A1 (en) * | 2007-05-14 | 2008-11-20 | Weiss Sanford B | Novel real estate transactions |
US20090164346A1 (en) * | 2007-12-19 | 2009-06-25 | Reinhold Loevenich | Fund Transfers Using Multiple Accounts |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020103679A1 (en) * | 2001-02-01 | 2002-08-01 | Burkhalter Swinton B. | Insurance system and method with disproportional allocation |
US20040177021A1 (en) * | 2003-03-05 | 2004-09-09 | Carlson Joseph W. | Apparatus and method for achieving enhanced returns on investments |
US20040199446A1 (en) * | 2003-03-14 | 2004-10-07 | Jeffrey Lange | Financing the donation of life insurance proceeds |
US20050086085A1 (en) * | 2003-10-02 | 2005-04-21 | Berlin Paul F. | Methods of offering and providing a variable life insurance product |
-
2006
- 2006-07-20 AU AU2006272914A patent/AU2006272914A1/en not_active Abandoned
- 2006-07-20 EP EP06787858A patent/EP1910993A2/en not_active Withdrawn
- 2006-07-20 WO PCT/US2006/028033 patent/WO2007013920A2/en active Application Filing
- 2006-07-20 CA CA002616126A patent/CA2616126A1/en not_active Abandoned
- 2006-07-20 RU RU2008106036/09A patent/RU2008106036A/en not_active Application Discontinuation
- 2006-07-21 US US11/490,915 patent/US20070022034A1/en not_active Abandoned
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020103679A1 (en) * | 2001-02-01 | 2002-08-01 | Burkhalter Swinton B. | Insurance system and method with disproportional allocation |
US20040177021A1 (en) * | 2003-03-05 | 2004-09-09 | Carlson Joseph W. | Apparatus and method for achieving enhanced returns on investments |
US20040199446A1 (en) * | 2003-03-14 | 2004-10-07 | Jeffrey Lange | Financing the donation of life insurance proceeds |
US20050086085A1 (en) * | 2003-10-02 | 2005-04-21 | Berlin Paul F. | Methods of offering and providing a variable life insurance product |
Also Published As
Publication number | Publication date |
---|---|
RU2008106036A (en) | 2009-08-27 |
CA2616126A1 (en) | 2007-02-01 |
WO2007013920A3 (en) | 2007-05-10 |
EP1910993A2 (en) | 2008-04-16 |
AU2006272914A1 (en) | 2007-02-01 |
US20070022034A1 (en) | 2007-01-25 |
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