Abstract: The present inventive subject matter is drawn to apparatus, systems, configurations, and methods of automatically determine an attribute (or a variable) of a life insurance policy based on historic funding data of a policy. In one aspect of the invention, a system for determining a future premium of a life insurance policy is presented.

Abstract: The present inventive subject matter is drawn to a system for managing sales of a set of products that require signatures from at least one party. In one aspect of the invention, the systems, configurations, and methods automatically detect, in an application, any signature that is required to complete the sales and is missing from the application and attempt to obtain signatures from the required signer(s) using different modalities. The different modalities include, but not limited to, e-mail, text messages, telephone call, etc. In some embodiments, the system is also configured to assign a human agent to retrieve the missing signature if the signature is not received within a predetermined amount of time.

Abstract: The present inventive subject matter is drawn to apparatus, systems, configurations, and methods of automatically interfacing with different proprietary insurance administration systems. In one aspect of the invention, an insurance management system is configured to automatically receive, convert, and transmit customer data from an intermediary data format to proprietary data formats associated with different insurance administration systems.

Abstract: A system and method is described for creating a predictable flow of funds from an otherwise unpredictable source. An investment and receiving vehicle is established where participants pool their ownership of insurance policies so as to share in the proceeds from those policies.