Abstract: A system for utilizing personal data, the system comprising a server comprising a processor, and a memory having executable instructions stored thereon that when executed by the processor cause the processor to receive personal information from a client device, the personal information including a plurality of protection goals of an individual, match coverage to the protection goals, determine benefit profile components based on the matched coverage, generate a lifetime benefit profile based on the benefit profile components, issue an insurance policy based on the lifetime benefit profile, identify lifetime events associated with the personal information, and monitor for data associated with the lifetime events.