Patent ID: 8271302

Claim:
A computer system comprising: one or more processors; and memory, wherein said one or more processors are configured to control said computer system to: (A) store policy information within said memory, said policy information indicating that a particular individual holds a policy that provides said particular individual with an option to, upon the occurrence of a qualifying event, receive a loan at a below-market rate; (B) receive data indicating that said qualifying event has occurred; and (C) at least partially in response to receiving said data indicating that said qualifying event has occurred, facilitate provision of said loan to said particular individual at said below-market rate, wherein said policy is an insurance policy under which: in response to an occurrence of said qualifying event, said individual is to receive said loan in the form of one or more payments to be made to the individual from an insurance company; and said individual is to ultimately repay at least a portion of said one or more payments to said insurance company.