Abstract: A method is disclosed of financing the liabilities of sovereign governmental entities, their political subunits, and like entities (e.g., school boards, etc.), and private business entities through the use of insurance products. In one embodiment, the method may include: receiving a population data set, generating a plurality of mortality data sets, generating a financial target data set, transmitting the financial target data set to a plurality of life insurance vendors, receiving from each of at least two life insurance vendors a rate table, generating a proportional rating for each insurance vendor, generating a final rate table having a per member life insurance premium rate for each mortality data set.