Abstract: Apparatuses and methods for AI-based ledger prediction are provided. A processor is configured by instructions on a memory to receive and categorize a ledger file to a ledger type based on the data contained within the ledger file. The ledger data may contain information related to an insurance policy and investments made based on the payments into the policy over a period of time. The processor may be configured to utilize machine learning to generate a prediction of a value or values related to the ledger data, for example a retirement distribution amount.

Abstract: Decision support systems and methods are provided for reducing the risk of financing premiums for a cash value life insurance policy. Information including a projected issuance date, a projected third-party loan payoff date, and a projected policy maturity date is used to underwrite an application for the insurance policy. Leverage method steps include determining a third-party loan amount to fund a policy premium. Arbitrage method steps include determining a participating policy loan amount sufficient to provide an early third-party loan exit strategy, thereby significantly reducing durational risk by funding the third-party loan amount at the projected third-party loan payoff date. The participating loan amount may be loaned at a maximum participating loan rate that is less than an interest rate for the third-party loan and/or less than a cash value earnings rate for the policy. Tax benefit methods steps may include scheduling periodic policy loan distributions.

Abstract: A replacement discharge electrode including a plurality of tubular telescopically assemblable discharge elements, and a tensioning element, tensioning the cable when the tubular telescopically assemblable discharge elements are aligned forming a rigid unitary tubular replacement discharge electrode. The discharge electrode components include abuttable tubular sections, center support tubes telescopically received within the abuttable tubular sections and outer tubular sleeves or collars, forming a rigid discharge electrode having excellent electrical properties. The method includes loosely assembling the tubular component on a flexible cable and tensioning the cable to form a rigid mast-type discharge electrode.

Abstract: A drug delivery device initially having two adhesive layers containing at least one active agent in each layer are kept separate from each other prior to administration of the active agent. At the time of administration, the separated layers are combined to form a dual layer adhesive transdermal drug delivery device which results in the administration of the at least one active compound after topical application of the device.