公开(公告)号：US20050015282A1

公开(公告)日：2005-01-20

申请号：US10491822

申请日：2004-04-04

申请人： Michael Gutman ,  Eyal Gutman ,  Uri Ben-Zion ,  Giora Teltsch

发明人： Michael Gutman ,  Eyal Gutman ,  Uri Ben-Zion ,  Giora Teltsch

IPC分类号： G06Q40/00 ,  G06F17/60

CPC分类号： G06Q40/02 ,  G06Q40/08

摘要： The invention introduces innovative elements to life-related annuities, and similar instruments (PI's) by transforming thereof from PI's issued permanently to a specific holder and priced according to a specific insured person, into PI issued initially to anonymous holders, without specific insured persons. Such PI's are convertible by any Holder, up to expiration date, to contracts similar to those under prior art, by identifying during such time specific insured Person, Beneficiaries and possibly Holder, who are identified under prior art contracts already at the issuance of such contracts. Initial purchase of such contract involves payment of an advance payment, while the balance, which is due if and after the initial contract is transformed into final contract, depends on the particulars of the identified insured persons. Until such identification, the initial contracts may change hands from one anonymous holder to another one, until the contract is activated or expired.