Abstract: A computer-implemented system for determining deferred and immediate annuity contract living contingent and supporting component funding and related data representing tangible annuity contract values across the life period of a potential or existing annuity contract. The system is comprised of at least a terminal, data storage and a programmed processor. The system provides for the physical transformation of annuity contract purchase value data representing tangible purchase values into annuity contract living contingent and supporting component funding and related data representing tangible deferred and immediate annuity contract values at one or more selected dates during the life period. The system also determines the eligibility for withdrawal of withdrawal values and transacts the payment of such withdrawal values.