Patent ID: 8412545

Claim:
A method, implemented on a computational device, for issuing an annuity structure having a base portion segment and at least one secondary portion segment, the method comprising: generating, by the computational device, an annuity structure comprising: a base portion segment, where the base portion segment is a functional annuity having a first annuity schedule; and a secondary portion segment, where the secondary portion segment is a functional annuity having a second annuity schedule; where the base portion segment and the secondary portion segment each operate as its own annuity; the base portion segment and the secondary portion segment being each included in a single contract; and issuing, by the computational device, the annuity structure to an annuity holder; and the annuity structure has an annuity commencement date of the base portion segment under the contract, the annuity commencement date of the base portion segment effecting cash flow of both the base portion segment and the secondary portion segment, and the annuity structure having an annuity commencement date of the secondary portion segment under the contract, the annuity commencement date of the secondary portion segment being different than the annuity commencement date of the base portion segment; and the base portion segment constituted by an accumulation period followed by a payout period, and the secondary portion segment constituted by and accumulation period followed by a payout period.