Patent ID: 8630879

Claim:
A system for funding an organization, comprising: (a) a user interface, said user interface permitting the inputting of funding preferences of said organization; (b) a computer processor responsive to said interface and programmed for calculating an internal rate of return and a program cost; (c) a database in communication with said computer processor and responsive to queries therefrom; and (d) a display responsive to said computer processor, said database storing demographic data on a group of individuals, said funding preferences, mortality table data, life insurance policy data, and financial data, said life insurance policy data including policy premium information and death benefits from a life insurance company, wherein said life insurance policy data includes for each life insurance policy a guaranteed period, a guaranteed death benefit, a guaranteed death benefit period, a guaranteed death benefit payout period, said computer processor having a data retrieval module programmed to access sources of said demographic data, said mortality table data, said life insurance policy data and said financial data and to store said demographic data, said mortality table data, said life insurance data, and said financial data in said database, a mortality projection module programmed to apply said mortality table data to said demographic data to produce a mortality projection for said group of individuals, a premium calculation module programmed to apply said premium information to said demographic data to produce a total policy premium for life insurance policies on said group of individuals, a financial calculation module programmed to calculate cash flows based on said mortality projection for said group of individuals and said death benefits from said life insurance policy data, an internal rate of return of said cash flows, a debt structure repayment schedule based on asset-backed securitization using said cash flows as security, said financial data, said total policy premium, and said funding preferences, a program cost based on said debt structure repayment schedule, and a comparison of said internal rate of return with said program cost to determine if said internal rate of return exceeds said program cost by a pre-selected gap, said display displaying results from said financial calculation module.