Abstract: An electronic timeline is established to include items to be completed. A projected set of variables is matched to the items to be completed. The variables are also matched with a corresponding mark showing total progress along the electronic timeline. In a new period, the mark showing total progress prior to the new period is compared against the electronic timeline. When a predetermined event occurs, the variable to apply for the new period is identified by matching the mark showing total progress prior to receipt of confirmation of completion of the new item with two closest marks showing total progress on the electronic timeline, and by calculating an interpolated variable from two variables from the projected set of variables that correspond to the two closest marks showing total progress. The interpolated variable is applied for the period to generate a new cumulative score showing total progress for the account.

Abstract: A health insurance product is provided for an insurance plan holder having a health insurance plan. For a first period, a periodic contribution payment for the health insurance plan is collected and aggregated as an insurance savings allocation balance of collected periodic contribution payments from the first period and at least a period immediately previous to the first period. A new periodic multiplier contribution for the first period is obtained by multiplying the periodic contribution payment for the first period by a variable multiplier that is variable for each period. A new cumulative multiplier contribution balance for the first period is determined, using a tangible computer processor, by adding the new periodic multiplier contribution obtained to a previous cumulative multiplier contribution balance determined for the period immediately previous to the first period.

Abstract: A method of determining an insurance coverage amount for an insurance plan holder having a health insurance plan using a tangible computer processor, as well as a related system and a non-transitory tangible computer readable storage medium, are provided. The method may include receiving a contribution payment amount from the insurance plan holder, the contribution payment amount including at least an investment payment portion and a premium payment portion, distributing, using the tangible computer processor, the investment payment portion and the premium payment portion between an investment account and a premium account, respectively, and determining, after the distributing, the insurance coverage amount based on an amount of funds present in the investment account and a coverage factor for a predetermined time period.

Abstract: A method of determining an insurance coverage amount for an insurance plan holder having a health insurance plan using a tangible computer processor, as well as a related system and a non-transitory tangible computer readable storage medium, are provided. The method may include receiving a contribution payment amount from the insurance plan holder, the contribution payment amount including at least an investment payment portion and a premium payment portion, distributing, using the tangible computer processor, the investment payment portion and the premium payment portion between an investment account and a premium account, respectively, and determining, after the distributing, the insurance coverage amount based on an amount of funds present in the investment account and a coverage factor for a predetermined time period.

Abstract: The present invention relates to managing insurance programs. In another aspect, the present invention relates to managing insurance programs that provide an opportunity for a policy owner to be eligible for increasing benefits the greater the total amount of premiums paid by the policy owner. In even another aspect, the present invention relates to providing health insurance in which ownership of a portion of the premiums of a policy owner vests in the policy owner.