The present disclosure describes, among other things, an example method for maintaining an account for a life insurance policy. The method may include determining an amount to apply to the account, the amount based at least in part on i) a plurality of first factors based on data for life insurance policies in a class of policies, wherein the class of policies includes the life insurance policy, and ii) a plurality of second factors based on data for an individual, wherein the individual is a policy holder of the life insurance policy. The method may include increasing at least a portion of the account by the amount.
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