Abstract: Systems and methods for guaranteeing a Target Value of an account on any given Target Value Date. The investment profile of the account may be automatically adjusted to be more or less conservative based on the evolution of the contract with respect to its accumulation value and guarantee. Within broadly defined groups of allocation choices the owner has complete freedom to distribute the account value to individual choices within those groups. The risk profile of the investments may be contracted to change as the Target Value Date approaches.

Abstract: Products, methods and system for guaranteeing the minimum accumulation benefit of an investment account owned by an entity are described. The steps of the guarantee include determining an external index or method to use to calculate the guarantee at the end of the defined investment period; allowing the owner of the investment account to select from available investment options; and at the end of the investment period crediting the investment account the difference of the current value of the investment account and the calculated minimum value of the investment account if the investment account has not increased in value above the calculated minimum.

Abstract: Systems and methods for guaranteeing a Target Value of an account on any given Target Value Date. The investment profile of the account may be automatically adjusted to be more or less conservative based on the evolution of the contract with respect to its accumulation value and guarantee. Within broadly defined groups of allocation choices the owner has complete freedom to distribute the account value to individual choices within those groups. The risk profile of the investments may be contracted to change as the Target Value Date approaches.

Abstract: Products, methods and system for guaranteeing the minimum accumulation benefit of an investment account owned by an entity are described. The steps of the guarantee include determining an external index or method to use to calculate the guarantee at the end of the defined investment period; allowing the owner of the investment account to select from available investment options; and at the end of the investment period crediting the investment account the difference of the current value of the investment account and the calculated minimum value of the investment account if the investment account has not increased in value above the calculated minimum.

Abstract: Systems and methods for correlating guaranteeing income payments based in part on the cash value of a third-party investment asset, for a specified term or for life are disclosed. A preferred embodiment allows the covered person to realize guaranteed income regardless of any decrease in the cash value of the investment asset. Some embodiments of the systems and methods disclosed herein also increase the income payments when correlated against the appreciated cash value of the investment asset.

Abstract: A computer-implemented system for managing the underwriting, quoting and binding by an insurance company of an excess casualty insurance policy for an insured having a primary insurance policy with a primary insurance limit amount. The system selects and stores at least one standard industrial classification code ("SIC code") associated with the insured and a primary carrier name or multiple carriers associated with the primary insurance policy. A plurality of SIC code records corresponding to a plurality of SIC codes are stored in a database. Each of the SIC code records are linked to underwriting guidelines established and filed by the insurance carrier. These criteria include guidelines related to minimum premiums, hazard rating, underwriting authority, and referral criteria. Primary insurance carrier public bureau rating records are also stored in the database.

Abstract: A computer-implemented system for auditing a total exposure of an entity, the total exposure forming the basis of a premium amount to be charged to the entity for an insurance policy. A first means for receiving a plurality of exposure information records from a first source is provided. Each of the exposure information records from the first source corresponds to a location of the entity and a class code associated with the location of the entity. A database, coupled to the first means for receiving, is provided for storing the exposure records from the first source.