Abstract: What is provided is a computer-implemented method, apparatus and article for funding life insurance premiums using one or more fixed structured settlements. A loan may be taken to fund an insurance policy, in an amount equal to a first premium payment for the life insurance policy and funds sufficient to purchase the fixed structured settlement to pay the total and subsequent scheduled premiums. The fixed structured settlement has returns of income payable in fixed amounts according to a payout schedule. The income from the fixed structured settlement may be paid to the loan, and then used to pay the insurance policy premium amounts that are due according to a premium schedule. The fixed structured settlement may be selected based upon having net income paid in amounts sufficient to meet the insurance policy premiums due and loan costs, with a payout schedule sufficient to meet the premium schedule.