Abstract: A method of structuring a life insurance product includes: selecting one or more insureds from a pool of applicants; collecting at least one premium payment, the at least one premium payment comprising a charge for cost of insurance; issuing at least one policy covering the one or more insureds, the at least one policy having a cash value and a death benefit; placing the at least one premium payment into an account, thereby populating the account with assets; investing the assets thereby generating a rate of return; tying the cash value and death benefit amounts to the rate of return; creating a mortality fluctuation reserve, adding the mortality fluctuation reserve to the account, and investing the reserve; and calculating a mortality experience credit upon satisfying certain criteria. Associated data processing methods and systems are also described.

Abstract: A method of structuring a life insurance product includes: selecting one or more insureds from a pool of applicants; collecting at least one premium payment, the at least one premium payment comprising a charge for cost of insurance; issuing at least one policy covering the one or more insureds, the at least one policy having a cash value and a death benefit; placing the at least one premium payment into an account, thereby populating the account with assets; investing the assets thereby generating a rate of return; tying the cash value and death benefit amounts to the rate of return; creating a mortality fluctuation reserve, adding the mortality fluctuation reserve to the account, and investing the reserve; and calculating a mortality experience credit upon satisfying certain criteria. Associated data processing methods and systems are also described.

Abstract: Systems, computer program products and methods of collateralizing bonds and/or other securities using one or more insurance policies are described. A method may include receiving input regarding an appropriate grouping from a collection of one or more insureds, receiving input regarding an initial value for a face amount of one or more insurance policies, one or more mortality curves for calculating a single premium and a mortality expectation table for determining a presumed mortality expectation, receiving information regarding the one or more insurance policies, and receiving information regarding an insurer's assumptions and outcomes. The various inputs may be processed. The results of the processing may be output in the form of expected cash flow and timing. Associated data processing systems and computer program products are also described.

Abstract: A method for raising funds includes holding a financial instrument of a first organization in a passive vehicle. The method also includes providing, by a second organization, capital to the first organization as evidenced by a promissory note secured by the financial instrument. The method further includes receiving, by the second organization, a right and/or a benefit that the passive vehicle receives with respect to the financial instrument as repayment of the promissory note.

Abstract: A method for raising funds includes taking out life insurance on insurable interests of a first organization and naming the first organization as beneficiary of the life insurance. The method also includes transferring rights and/or benefits from the life insurance on the insurable interests to at least a second organization to raise funds for at least the first organization and/or the second organization.