Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product.

Abstract: A guaranteed minimum accumulated benefit (GMAB) variable annuity contract management apparatus stores contract data on GMAB variable annuity contracts having a predetermined contract duration. The apparatus also stores fund data on amounts paid to purchase the contracts. The apparatus computes a portion of the amounts paid that is to be allocated to a bond fund. The apparatus stores data on the portion of the amounts paid to be allocated to the bond fund. A substantial portion, or all, of the bond fund is invested in bonds that have a maturity date that matches the contract duration of the GMAB variable annuity contracts.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of the insured individual by an insurance provider, modeling the risks associated with providing insurance to the individual by the insurance provider, assessing the market risks associated with providing the insurance policy by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the insurance policy.

Abstract: A guaranteed minimum accumulated benefit (GMAB) variable annuity contract management apparatus stores contract data on GMAB variable annuity contracts having a predetermined contract duration. The apparatus also stores fund data on amounts paid to purchase the contracts. The apparatus computes a portion of the amounts paid that is to be allocated to a bond fund. The apparatus stores data on the portion of the amounts paid to be allocated to the bond fund. A substantial portion, or all, of the bond fund is invested in bonds that have a maturity date that matches the contract duration of the GMAB variable annuity contracts.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of the insured individual by an insurance provider, modeling the risks associated with providing insurance to the individual by the insurance provider, assessing the market risks associated with providing the insurance policy by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the insurance policy.

Abstract: The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product.

Abstract: The present invention provides a method and system for financial risk management and administration. In the present invention, a computer implemented method and system operate to distribute selected risks, such as market risks, through a selected counterparty that can assume certain of these market risks in a financial transaction which also includes certain behavioral risks.