Patent ID: 8571896

Claim:
A revenue management system that facilitates a lifetime income stream, comprising: at least one processor coupled to a memory, the processor executing: a user interface component that facilitates input of demographic information associated with a life of a customer; an analysis component that produces an evaluation of the demographic information; a deposit product identification component that identifies a deposit product based at least in part upon the evaluation, wherein the deposit product is an interest-bearing certificate of deposit (CD); an insurance identification component that identifies a longevity insurance policy based at least in part upon the analysis and wherein the longevity policy is established concurrently with the deposit product; a packaging component that combines the deposit product with the longevity insurance policy; and a calculation component that calculates a plurality of initial interval payments associated with the deposit product, wherein the calculation component calculates a plurality of reduced interval payments associated with the deposit product after a requested withdrawal payment, wherein the deposit product and the longevity insurance policy in combination guarantee the lifetime income stream based upon the life of the customer, and wherein the longevity insurance policy provides a guaranteed payment of the lifetime income stream during the life of the customer upon exhaustion of an initial deposit associated with the deposit product together with applicable interest earned.