Self-Directed Insurance Accounts

摘要

The present disclosure involves systems including a life insurance platform and a user-directed investment platform. The life insurance platform maintains a life insurance policy associated with a cash value backed by investment assets. A user-directed investment account platform maintains a user-directed investment account funded by a margin account based on the cash value of the life insurance policy. The system can determine a change in the value of the investment assets and can, in turn, modify the value of the margin account based on the change. The user-directed investment account platform can identify the modified value of the margin account and update the user-directed investment account based on the same. That platform can also provide an interface for providing information related to the user-directed investment account while also providing information related to the life insurance policy.

主权项

1. A system comprising:
a life insurance platform including at least one processor that executes operations to maintain a life insurance policy for a user, the life insurance policy associated with a cash value that is backed by investment assets; a user-directed investment account platform including at least one processor that executes operations to maintain a user-directed investment account associated with the life insurance policy, wherein the user-directed investment account is initially funded with a cash account and/or a margin account, wherein the margin account is based at least in part on a cash value of the life insurance policy; wherein at least one of the life insurance platform and the user-directed investment account platform further includes at least one processor that executes operations to:
determine a delta of the value of the investment assets backing the cash value of the life insurance policy; andmodify the value of the margin account based on the determined delta; wherein the user-directed investment account platform further includes at least one processor that executes operations to:
identify the modified value of the margin account;store the modified value of the margin account; andupdate the user-directed investment account based on the modified value of the margin account; and wherein the user-directed investment account platform further includes at least one processor that executes operations operable to:
provide a web-based interface for providing information related to the user-directed investment account, wherein the web-based interface presents account details of the user-directed investment account;access the life insurance platform to identify information related to the life insurance policy; andpresent, via the web-based interface, at least a portion of the identified information related to the life insurance policy with the account details of the user-directed investment account.