Abstract: Systems and methods for creating customized, personalized broadcasting content, and for broadcasting the created content are disclosed. A computer automated system comprised of a memory coupled to a processing unit includes means to receive audio and video data of an event. The system further includes a server to encode and transcode the received data, and to standardize the received data to internal presets. Timecode is embedded in the received data if it is not already present and a low resolution proxy of the standardized data is streamed to a commentator's computer through which commentary is added. The added commentary is transmitted back from the commentator computer and combined with the commentator audio stream with the audio and video data of the event. The resultant stream is buffered and then broadcast as well as archived.

Abstract: Deferred premium annuities and accompanying methods are described herein. In some instances, a deferred premium annuity allows a purchaser (e.g., an individual) to pledge assets rather than pay cash up front to purchase an annuity. In these instances, an annuity provider then issues an annuity to the purchaser. In some instances, the provider then may then receive ownership of or an interest in the pledged assets upon death of the purchaser unless the purchaser pays for the annuity before the death of the purchaser.