Patent Document ID: 8131637
Application ID: 11560089
Patent Flag: 1

Claim One:
1. A computer program product comprising a non-transitory computer-readable medium including computer program code for evaluating an equity release product, the computer program code further comprising: instructions for establishing representative reverse mortgage loans, wherein each representative reverse mortgage loan provides for a sample of a reverse mortgage loan and is characterized by a borrower type and a mortality table; instructions for determining a plurality of reverse mortgage loan scenarios, wherein each reverse mortgage loan scenario is based on an interest rate and a house price; instructions for running each of the representative reverse mortgage loans through each of the reverse mortgage loan scenarios to measure a plurality of scenario profitability metrics for each of the reverse mortgage loan scenarios, wherein each of the scenario profitability metrics provide profitability for a corresponding reverse mortgage loan scenario; instructions for aggregating the plurality of scenario profitability metrics across all of the reverse mortgage loan scenarios to produce aggregated profitability metrics, wherein the aggregated profitability metrics provide an aggregated profitability across all of the plurality of reverse mortgage loan scenarios; and instructions for determining a portfolio profitability across all combinations of the reverse mortgage loan scenarios and representative reverse mortgage loans based on the aggregated profitability metrics.