Abstract: A self-implementing pension benefits system for subscriber employees (E1, E2, E3 . . . ) including a life insurer institution and a lending institution Life insurer trust institution computes and receives each subscriber employee's periodic payment thereinto based primarily upon each subscriber employee's age and desired periodic benefits and issuing a life insurance policy covering each subscriber employee (E1, E2, E3 . . . ); providing specific accurate future projections of periodic benefits for retirement, death, or disability; and distributing all life insurance policy proceeds upon the death of each enrolled employee to the lending institution. Funding a significant portion of payable periodic benefits by reverse annuity issued by the lending institution, secured by life insurance policy proceeds retained within the lending institution is one truly unique feature of this system; life insurance having prescribed amounts of whole life and progressive one-year term dividend rider components is yet another.