Patent ID: 7797218

Claim:
A method of compensating an employee, said method comprising: accessing one or more data tables located on a data storage system by one or more computer devices comprising at least one processor, said one or more data tables including product data associated with a product, said product being purchased using proceeds of a loan obtained from a loan originator by a borrower for a benefit of said employee, said product comprising a financial instrument that employs or accomplishes a form of risk transfer and has a portion or component having a potential to grow in value over time, said product data including a current gap value associated with said product, and said current gap value representing a difference between a premium paid and a value of said product; and executing by said at least one processor a plan management module of said one or more computer devices to generate one or more gap enhancement instruments for execution by one or more parties other than said borrower of said loan, said one or more gap enhancement instruments each addressing said current gap value associated with said product, said one or more gap enhancement instruments comprising: (a) a promissory note for said loan; (b) a compensation agreement executed by said employee involving said loan; (c) a collateral assignment of said product executed by said employee; (d) a pledge agreement pledging an asset to said loan originator as collateral for said loan; (e) an agreement to postpone payment of a portion of a commission earned on a sale of said product; (f) a rider on said product waiving a portion of a surrender fee in favor of said loan originator, said surrender fee representing an amount charged in the event said product is surrendered or said borrower defaults on said loan; (g) an agreement to deposit funds in a reserve account, said funds representing a portion of a surrender fee, said surrender fee representing an amount charged in the event said product is surrendered or said borrower defaults on said loan; or (h) an agreement by one or more parties other than the borrower, in the event of a surrender or a default, to extend a gap loan to said loan originator in an amount approximately equal to said current gap value, wherein said loan originator's repayment obligation to said one or more parties other than the borrower is ultimately secured by a pledged asset.