Abstract: A method and system for securitization of periodic streams of payments is provided. The system and method comprise generating a sale of the insurance policy and investment related products from an insurance issuer component through an agent component. The insurance issuer component pays the agent component a commission via a periodic streams of payments, which the agent component sells to a securitization component. The securitization component generates a securitization note based on the periodic streams of payments, including such factors as lapsation and mortality.

Abstract: A process and system for securitization of a reverse mortgage loan are provided, wherein a loan is made to a borrower. The borrower uses a real property, such as a home, as collateral for the loan. The amount of repayment is based on multiple repayment calculation components. The system and process comprise generating a sale of the reverse mortgage loan from a loan processing component to a securitization creating component. The securitization creating component generates a securitization note based on the reverse mortgage loan, including such factors as the age and sex of the borrower.