System and method for creating a retirement plan funded with a variable life insurance policy and/or a variable annuity policy

摘要

A retirement plan is created using variable life insurance contracts and/or variable annuity contracts. Actuarial data used to create the retirement plan is entered via at least one user interface and processed. Based on the actuarial data, a variable life insurance policy and/or a variable annuity policy is generated for the purpose of funding the retirement plan. Additionally, a separate agreement is created that either extra-contractually modifies the variable life insurance policy and/or the variable annuity policy, or defines the terms under which the variable life insurance policy and/or the variable annuity policy is to be used in the retirement plan.