Abstract: A system and method for analyzing a financial services pricing process. The method includes the steps of receiving data in at least one input file of a pricing process summary tool from at least one data source and generating a waterfall based on the data received. The step of generating the waterfall includes measuring predetermined pricing metrics using the received data, and graphing the predetermined pricing metrics. The waterfall identifies the present value of each of the predetermined pricing metrics in relation to others of the predetermined pricing metrics.

Abstract: A method and system for securitization of periodic streams of payments is provided. The system and method comprise generating a sale of the insurance policy and investment related products from an insurance issuer component through an agent component. The insurance issuer component pays the agent component a commission via a periodic streams of payments, which the agent component sells to a securitization component. The securitization component generates a securitization note based on the periodic streams of payments, including such factors as lapsation and mortality.