Patent ID: 7840471
Filing Date: 2010-11-23
Classification: G06Q

Abstract:
1. A method of funding and managing at least one fund of a plurality of diverse life insurance policies issued by a plurality of investment grade carriers, the at least one fund providing enhanced risk adjusted investment return, the at least one fund having owners, the method being implemented on at least one computing device executing software processes, the software processes performing instructions comprising the steps of: selecting, using computer enabled instructions executed by the at least one computing device, the plurality of life insurance policies for the at least one fund without underwriting on the lives of the insured of each life insurance policy, said step of selecting based on a cash value analysis of the life insurance policies to identify those policies with viable projected cash value streams and that can be positively impacted to improve the cash value streams; acquiring, using computer enabled instructions executed by the at least one computing device, the selected plurality of life insurance policies for the at least one fund, wherein benefits of life insurance policy ownership pass to the owners of the at least one fund; and managing the fund, using computer enabled instructions executed by the at least one computing device, to maximize a financial risk adjusted investment rate of return that provides equity level returns with fixed income asset exposure.