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- Q7832119 subject Q9853145.
- Q7832119 abstract "Traded Life Policies (or TLPs) are most commonly United States-issued, whole-of-life assurance policies, but mainly Universal Life policies sold before they become claims, to allow the original owner to enjoy some of the benefits during their lifetime. A market for traded endowment and other life policies (or TEPs) has also existed in the UK for many years. The transaction by which an in-force life insurance policy is sold to a third party is known as a life settlement. In the case of whole life policies, the life assured is usually over 65 or with medical impairments. An estimated life expectancy can be obtained using population mortality statistics and evidence of the insured's health. For traded endowments a more important factor to estimate is usually the future bonus (participation) rate.Holders of life policies might wish to sell before the policy becomes a claim for a number of reasons. It may be that they no longer wish to pay the premiums, or they might need the cash for purposes such as paying for care.The new owners continue to pay the premiums on the policies until they become a claim, either on the death of the insured life or on the maturity date. This concept of a secondary market for life insurance policies is far from new. A secondary market exists because policyholders can often get a better price for their policies on the open market than by surrendering them to the insurance company that issued them. Even so, investors can still buy them at deep discounts from their expected maturity values. So much so, that they have become a niche asset class for both institutions and private investors, to the extent that there are even mutual funds that invest in them.".
- Q7832119 wikiPageExternalLink content.aspx?ID=299873.
- Q7832119 wikiPageExternalLink longevity-risk-higher-on-tlp-derivatives-mpl_28860.php.
- Q7832119 wikiPageExternalLink article5626172.ece?token=null&offset=36&page=4.
- Q7832119 wikiPageWikiLink Q12199.
- Q7832119 wikiPageWikiLink Q1364787.
- Q7832119 wikiPageWikiLink Q160117.
- Q7832119 wikiPageWikiLink Q188419.
- Q7832119 wikiPageWikiLink Q2136701.
- Q7832119 wikiPageWikiLink Q30.
- Q7832119 wikiPageWikiLink Q3077789.
- Q7832119 wikiPageWikiLink Q3494304.
- Q7832119 wikiPageWikiLink Q43183.
- Q7832119 wikiPageWikiLink Q50008.
- Q7832119 wikiPageWikiLink Q626608.
- Q7832119 wikiPageWikiLink Q791974.
- Q7832119 wikiPageWikiLink Q7924540.
- Q7832119 wikiPageWikiLink Q864631.
- Q7832119 wikiPageWikiLink Q9853145.
- Q7832119 comment "Traded Life Policies (or TLPs) are most commonly United States-issued, whole-of-life assurance policies, but mainly Universal Life policies sold before they become claims, to allow the original owner to enjoy some of the benefits during their lifetime. A market for traded endowment and other life policies (or TEPs) has also existed in the UK for many years. The transaction by which an in-force life insurance policy is sold to a third party is known as a life settlement.".
- Q7832119 label "Traded Life Policies".