Abstract: Disclosed is a method of managing a social value of at least one social user account. The method may include receiving, using a communication device, a request to obtain a stock in a social value associated with a first user account. Further, the request may be received from a second user device associated with a second user account. Further, the method may include assigning, using a processing device, a portion of the social value of the first user account to the second user account based on the request. Further, the method may include determining, using the processing device, earnings associated with the first user account. Further, the method may include transferring, using the processing device, a dividend to the second user account based on the earnings associated with the first user account.

Abstract: Methods of classifying risk and adjusting policy pricing for elderly insurance applicants are provided. The methods preferably include the steps of requesting the applicant to perform tests in addition to a physical examination, analyzing the results of the tests, and classifying the risk of mortality of the applicant based on the results of the analysis. The additional test is preferably designed to analyze the applicant's physical performance, cognitive performance, executive function, and present physical health of an applicant.