Abstract: A flow device, method, and system are provided for determining the fluid particle composition. An example flow device includes a fluid sensor configured to monitor at least one particle characteristic of fluid flowing through the fluid sensor. The example flow device also includes at least one processor configured to, upon determining the at least one particle characteristic satisfies a particle criteria, generate a control signal for an external device. The example flow device also includes a fluid composition sensor configured to be powered based on the control signal and further configured to capture data relating to the fluid particle composition. The example flow device is also configured to generate one or more particle profiles of at least one component of the fluid based on the data captured by the fluid composition sensor.

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.