Abstract: A multi-risk insurance system and method are disclosed resulting in a single insurance policy with many coverages being included. These coverages include life, health, disability, major medical, critical illness, long-term care, automobile, homeowners, fire, theft, renters, personal liability, general liability and the like. The result for the insured is a savings in time and expense. The insurer lowers administrative costs, sales expenses and inefficiencies.

Abstract: Separate but related multi-risk insurance policies are disclosed. The separate but related policies relate to three or more coverages from among the group of coverages including, but not limited to, life, health, disability, major medical, critical illness, long-term care and property and casualty coverages where premium obligations and benefits have been disproportionately allocated between two or more policies. Loading more of the premium burden on one policy results in the benefit of lowering the premium obligation on the other policy or policies and may have the further benefit of increasing tax deductions under one of the policies.

Abstract: An insurance method and system concerning two or more separate but related insurance contracts where one of the contracts is a life policy and the other contract is a long-term care product are disclosed. The life insurance product includes all types of life insurance contracts on the market today (and those developed in the future) and the long-term care products include all non-life insurance policies on the market today (and those developed in the future).

Abstract: Life insurance methods, systems and products which revolve around having an insurance plan with at least two separate but related insurance contracts on the same insured or insureds. The contracts are developed using life insurance product data to develop tables from which death benefits and premium obligations, and usually cash values, are determined based upon an insured's gender, age and other risk factors. The death benefits and premium obligations, and cash values, if any, are divided between the two or more contracts where more of the premium obligations are assigned to one or more of the contracts while more of the death benefits and cash values, if any, are assigned to one or more of the remaining contracts. Nonforfeiture and surrender provisions as well as typical riders can be added to one or all of the contracts. The death benefits and cash values of the contracts are a function of the premiums paid for all of the contracts.