Insurance system and method with disproportional allocation

摘要

An insurance method and system concerning two or more separate but related insurance contracts where one of the contracts is a life policy and the other contract is a long-term care product are disclosed. The life insurance product includes all types of life insurance contracts on the market today (and those developed in the future) and the long-term care products include all non-life insurance policies on the market today (and those developed in the future).