Abstract: A method for payment of a benefit to a survivor of a subsequent medical condition. Initial and subsequent information about a person is received, the information concerning at least one specified medical condition. The initial information is inspected to determine the state of health of the person, the state of health not being acceptable if the specified medical condition is present. If the state of health of the person is acceptable then the person is approved for payment of a specified benefit if the specified medical condition is later present. Subsequent information about the person is inspected to determine the state of health of the person, the state of health being changed if the predetermined medical condition is later present. The specified benefit is then paid if the state of health of the person has changed.

Abstract: A system and computing device for issuing a vision protection policy providing both a routine eye care benefit and one or more of the following benefits: (1) an eye condition benefit; (2) an eye surgery benefit; and (3) a permanent visual impairment benefit are provided. A system for processing a claim received from a vision protection policyholder is also provided.

Abstract: A vision protection policy providing both a routine eye care benefit and one or more of the following benefits: (1) an eye condition benefit; (2) an eye surgery benefit; and (3) a permanent visual impairment benefit is provided. Methods of offering the vision protection policy, of issuing the vision protection policy to a qualified insured, and of processing a vision protection policy claim received from a policy participant are also provided.