Patent ID: 8484116

Claim:
A method of electronically assembling a structured financial instrument comprising: providing, into a memory, a minimum deposit and a specified term; indexing, by a processor in communication with the memory, to at least one economic indicator; specifying, into the memory, a percentage of the original deposit that may be withdrawn at a specified interval without penalty, with interest calculated at the end of the term by the processor reduced to reflect any prior partial withdrawals; insuring the structured financial instrument from the FDIC; in the event of death, calculating, by the processor, a death benefit equal to the value of the structured financial product on the date of death; and at a specified time, providing a structured financial product holder with an option of choosing to lock in a specified percentage of the index gains to date, in exchange for re-upping the structured financial product into a new structured financial product of equal or greater term length and using a similar return framework as the original structured product.