Abstract: A method of administering an annuity to create incentives for an annuity holder to perform one or more pre-selected acts includes implementing a policy role to the annuity upon receiving a rider application by the annuity holder, affecting the annuity in a first manner upon implementing the policy role, and affecting the annuity in a second manner upon the one or more pre-selected acts being performed by the annuity holder. In an embodiment, one pre-selected act may include applying for a credit card. A system for implementing an incentive-creating annuity program includes first and second servers in communication via a network. The first server has a processor, an input device, and software for accessing and altering annuity information. The software includes commands for altering the annuity information in a first way upon sending first predetermined data to the second server and altering the annuity information in a second way upon receiving second predetermined data from the second server.