Abstract: Methods, systems, and devices are disclosed for managing investment and insurance policies. In one aspect, a method for managing a life insurance policy includes receiving information associated with a permanent life insurance policy and its policy holder, analyzing the information to generate a rating value of the permanent life insurance policy, and determining if the rating value is above a minimum threshold value to admit the permanent life insurance policy into a policy optimization portfolio. The method can also include creating financial value of the policy optimization portfolio by obtaining investment funding from a financial institution based on a cash value of the admitted permanent life insurance policies, investing at least some of the investment funding in one or more financial markets to receive a financial return, and determining a distribution of the financial return to provide to the policy holder and the financial institution.

Abstract: The present invention provides a means of calculating and evaluating a premium financing program. The present invention provides an apparatus which takes into account factors and data such as various alternative sources of funding, various alternative inflows of assets, and various outflows of assets due to taxes, interest payments, selected insurance premiums, reinsurance costs, and transaction fees incurred in maintaining the premium financing program. The present invention provides a means to calculate the amounts needed in order to fund a premium financing program. The present invention additionally provides a means for obtaining lower cost life insurance, by offsetting the cost through reinsurance, and by providing an incentive to an individual to maintain the life insurance policy in full-force by providing the possibility of receiving the individual's death benefit while they are alive.