Abstract: A method of raising funds for an organization through the purchase of life insurance is provided. The organization obtains a list of donors that have been selected to form a participant pool, the participant pool of donors having been constructed according to a mortality matrix. The organization purchases a life insurance policy on the life of each donor in the participant pool and then receives a death benefit payment from one of the life insurance policies upon the death of one of the donors in the participant pool.

Abstract: A method of administering a life insurance program for an organization is provided. The administering entity obtains a list of donors who have consented to participation in the life insurance program and then constructs a participant pool of donors who will actually participate in the program. The entity constructs the participant pool according to a mortality matrix, which describes an ideal participant pool. Donors within the participant pool are selected according to the donors' ages and genders, and the number of donors in the participant pool at any particular age and gender are defined by the mortality matrix.