Abstract: Described is a system for offering financing to a couple seeking financing for the purchase of real estate, the improvement comprising gathering information from the couple regarding the couple and the piece of residential real estate; calculating, with computerized software, a divorce insurance policy premium for the couple based upon this and other information; determining the insurance policy premium's price with the mortgage financing; offering the mortgage financing, coupled with the insurance premium, to the couple; if the couple accepts, creating a legally binding document memorializing the mortgage insurance policy, wherein the legally binding document sets forth terms and conditions of the mortgage insurance policy; transmitting the completed, legally binding document to the couple; periodically and regularly charging the calculated periodic amount to the couple; and administering the mortgage insurance policy in such a manner that, upon divorce or legal separation of the couple, paying damages arisi

Abstract: A method of doing business in divorce insurance policies, which method includes determining a periodic (e.g., monthly, semi-annually or annually) amount to be charged a prospective participant for divorce insurance; charging that periodic amount to a participant in an insurance program over a period of time; and administering the insurance program (e.g., confirm that a divorce has or has not occurred, receiving and making payments, etc.). The amount to be charged a prospective participant will generally be based upon the prospective participant's age and the prospective participant's spouse's age, both at the time of the marriage and at the time of paying the particular premium. The amount to be charged will also typically be based, in part, on the prospective participant's projected earnings and/or the prospective participant's spouse's projected earnings. The amount charged a participant can be changed in view of changed circumstances in the lifestyle (e.g.