Patent ID: 8639537

Claim:
A computer system for managing a life insurance policy on behalf of a policy holder, the computer system comprising: a computer processor; and a computer memory accessible by the computer processor, the computer memory including instructions embedded therein for causing the computer processor to perform the steps of: generating a life insurance policy including a stable value protected investment with an initial value based at least in part on a value of underlying securities of the stable value protected investment; calculating fee units for members of a management group which manage the life insurance policy; calculating an increase in value to the stable value protected investment credits for the life insurance policy; determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; calculating at least one unit value for the current day; digitally storing the at least one unit value for the current day; and at least one of: removing the fee units for members of the management group which manages the life insurance policy, and accumulating fee units on behalf of the management group.