A life insurance policy management system comprising: a policy generator for generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; a fee calculator for calculating fees for members of a management group which manage the life insurance policy; a credit calculator for calculating credits for the stable value protected investment of the life insurance policy; an investment calculator for determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; a policy calculator for calculating a policy value and a policy unit value for the current day; digital storage for storing the policy unit value for the current day; and a debitor for removing a value of the fees for members of the management group which manages the life insurance policy. view more

A system according to claim 1, further comprising a calculator for calculating a targeted return for an upcoming time period.

A method for managing a life insurance policy comprising: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; calculating fees for members of a management group which manage the life insurance policy; calculating credits for the stable value protected investment of the life insurance policy; determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and removing a value of the fees for members of the management group which manage the life insurance policy. view more

The method according to claim 9, wherein the steps of claim 9 are performed by a computer.

A computer readable media for controlling a computer to perform the steps of: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; calculating fees for members of a management group which manage the life insurance policy; calculating credits for the stable value protected investment of the life insurance policy; determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and removing the fees for members of the management group which manage the life insurance policy. view more

A computer system for administering an existing life insurance policy, including a stable value protected investment based on underlying securities of the stable value protected investment, the computer system comprising: a credit calculator for calculating credits for the stable value protected investment of the life insurance policy; an investment calculator for determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; a policy value calculator for calculating a policy value and a policy unit value for the current day; and digital storage for storing at least one of the policy value and the policy unit value for the current day. view more

The system as claimed in claim 19, further comprising a fee calculator for calculating fees for members of a management group which manage the life insurance policy.

The system as claimed in claim 20, further comprising a debitor for removing a value of the fees for members of the management group which manages the life insurance policy.

A system as claimed in claim 19, further comprising a calculator for calculating a targeted return for an upcoming time period.

A method for managing a life insurance policy, including a stable value protected investment based on underlying securities of the stable value protected investment, the method comprising the steps of: (a) calculating credits for the stable value protected investment of the life insurance policy; (b) determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; (c) calculating a policy value and a policy unit value for the current day; and (d) storing at least one of the policy value and the policy unit value for the current day. view more

The method as claimed in claim 28, wherein the steps (a)-(d) are performed by a computer.

A life insurance policy management system comprising: a policy generator for generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; a fee calculator for calculating fees for members of a management group which manage the life insurance policy; a credit calculator for calculating credits for the stable value protected investment of the life insurance policy; an investment calculator for determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; a policy calculator for calculating a policy value and a policy unit value for the current day; digital storage for storing the policy unit value for the current day; and an accumulator for accumulating fees on behalf of the management group. view more

A system according to claim 42, further comprising a calculator for calculating a targeted return for an upcoming time period.

A method for managing a life insurance policy comprising: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; calculating fees for members of a management group which manage the life insurance policy; calculating credits for the stable value protected investment of the life insurance policy; determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and accumulating fees on behalf of the management group for managing the life insurance policy. view more

The method according to claim 52, wherein the steps of claim 52 are performed by a computer.

A computer readable media for controlling a computer to perform the steps of: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities of the stable value protected investment; calculating fees for members of a management group which manage the life insurance policy; calculating credits for the stable value protected investment of the life insurance policy; determining an investment value and a value of the underlying securities of the stable value protected investment for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and accumulating fees on behalf of the management group for managing the life insurance policy. view more

The system according to claim 8, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 1, further comprising a receiver for receiving a targeted return for an upcoming time period.

The system according to claim 67, wherein the targeted return is adjusted to amortize at least one initial fee.

The computer readable media according to claim 18, further controlling the computer to perform the step of calculating a targeted return for an upcoming time period, wherein the targeted return is adjusted to amortize at least one initial fee.

The computer readable media according to claim 18, further controlling the computer to perform the step of receiving a targeted return for an upcoming time period.

The computer readable media according to claim 73, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 27, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 19, further comprising a receiver for receiving a targeted return for an upcoming time period.

The system according to claim 76, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 49, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 42, further comprising a receiver for receiving a targeted return for an upcoming time period.

The system according to claim 82, wherein the targeted return is adjusted to amortize at least one initial fee.

The system according to claim 1, wherein the investment calculator comprises an adjuster for adjusting the investment value to amortize for at least one initial fee.

The system according to claim 87, wherein the at least one fee comprises at least one of a premium tax, a DAC tax, and a load.

The system according to claim 19, wherein the investment calculator comprises an adjuster for adjusting the investment value to amortize for at least one initial fee.

The system according to claim 91, wherein the at least one fee comprises at least one of a premium tax, a DAC tax, and a load.

The computer readable media according to claim 63, further controlling the computer to perform the step of calculating a targeted return for an upcoming time period, wherein the targeted return is adjusted to amortize at least one initial fee.

The computer readable media according to claim 63, further controlling the computer to perform the step of receiving a targeted return for an upcoming time period.

The computer readable media according to claim 94, wherein the targeted return is adjusted to amortize at least one initial fee.

A method for managing a life insurance policy on behalf of a policy holder, the method comprising the steps of: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities; calculating fee units for members of a management group which manage the life insurance policy; calculating surrender value protected investment credits for the life insurance policy; determining an investment value and a value of the underlying securities for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and one of the steps of: removing the fee units for members of the management group which manage the life insurance policy, and accumulating fee units on behalf of the management group. view more

The method according to claim 9, wherein the steps of claim 9 are performed by a computer.

A computer readable media for controlling a computer to perform the steps of: generating a life insurance policy including a stable value protected investment with an initial value based on a value of underlying securities; calculating fee units for members of a management group which manage the life insurance policy; calculating surrender value protected investment credits for the life insurance policy; determining an investment value and a value of the underlying securities for the current day; calculating a policy value and a policy unit value for the current day; storing the policy unit value for the current day; and one of the steps of: removing the fee units for members of the management group which manage the life insurance policy, and accumulating fee units on behalf of the management group. view more

A method for managing a life insurance policy, including a stable valve protected investment based on underlying securities, on behalf of a policy holder, the method comprising the steps of: (a) calculating surrender value protected investment credits for the life insurance policy; (b) determining an investment value and a value of the underlying securities for the current day; (c) calculating a policy value and a policy unit value for the current day; and (d) storing at least one of the policy value and the policy unit value for the current day. view more

The method as claimed in claim 28, wherein the steps (a) - (d) are performed by a computer.