Patent ID: 8175900

Claim:
A computing device, comprising: a processor; a memory coupled to the processor; and program instructions stored in the memory and executable by the processor to perform a statistical sampling method to calculate a strategic value of a life insurance strategy at a number of particular future points in time over a number of iterations, wherein the processor utilizes: a death benefit value of a life insurance policy; a cash surrender value of the policy; a mortality probability for an insured subject of the policy that simulates mortality outcomes of the insured subject; a projected investment return on a reinvestment of the death benefit value; at each of the number of particular future points in time according to the number of iterations; wherein the program instructions are executable to calculate a numerical index value, based on a ratio of a discounted present value of an amount paid to the policy and a discounted present value of the calculated strategic value for the life insurance strategy; and wherein the program instructions execute to present the numerical index value of a life insurance policy via a user interface.