The paper deals with analytical models of elastic thermal stresses in isotropic continuum represented by periodically distributed spherical particles in an infinite matrix imaginarily divided into identical cells with dimensions equal to inter-particle distance, containing a central spherical particle with or without a spherical envelope on the particle surface. As a model system regarding the analytical modelling, the multi-particle-(envelope)-matrix system is applicable to four types of real composite materials. Investigated within the cell, thermal stresses originate during a cooling process as a consequence of the difference in thermal expansion coefficients of phases represented by the matrix, envelope and particle. Derived by three different mathematical techniques, and considering the Castigliano's theorem, the analytical models are functions of the inter-particle distance d, the particle volume fraction v, the particle and envelope radii, R 1 and R 2 > R 1, respectively. Finally, an analytical-(experimental)-computational methods of the lifetime prediction for composite material is presented.