Abstract: A method is described for enabling a plurality of consumers to receive a term of life periodic payment from a financial product provider. The financial product provider secures an interest for a predetermined value over assets owned by the consumers, and calculates a series of period payments based on the expected life expectancies of the plurality of consumers. Payments are provided until a consumer dies, at which time a final payment is recovered by the financial product provider. A computer system is also provided to implement the abovementioned method.