Помогите, пожалуйста, разобраться со значением слова security в следующем контексте

Despite defendants' revised procedures and changes, their viatical settlements are still investment contracts within meaning of securities laws, where so-called "viatical settlements" provide AIDS victims with much needed income in final years of their lives while allowing investors to collect face amount of their life insurance policies at their deaths, because changes made in operation of facilitators of such settlements did not negate either commonality or efforts-of-third-party elements of test for "security." SEC v Life Partners (1996, DC Dist Col) 912 F Supp 4, CCH Fed Secur L Rep P 99016.

Честно признаться, не понятна вся концовка предложения:

because changes made in operation of facilitators of such settlements did not negate either commonality or efforts-of-third-party elements of test for "security."

Заранее спасибо