A multi-purpose appliance for providing a wide variety of functions, e.g., home management, device management and synchronization, archiving and distributing electronic copies of photos and/or film images and/or other services such as video conferencing is described. In various embodiments data is stored in a digital vault. The owner of stored content can set access rules and/or grant access to other individuals in a group, e.g., a family group. Content can be and sometimes is organized into categories with each category corresponding to a different type of information, e.g., medical information, personal information, calendar information, legal records family photos, etc. An owner of content can specify their relationships to another individual, e.g., another family member and have access and ownership rules apply based on the relationship to the owner of the content and/or specific user specified rules. Content is automatically added to the digital store, e.g., in response to the content being scanned or entered electronically by the owner. In response to detecting a life event, e.g., based on information in a scanned document, ownership and/or access rights to content are automatically updated to reflect the effect of the detected life event. For example a marriage may result in an automatic change to joint ownership status and/or a death may result in a change of ownership while a child leaving a house and moving to an apartment may result in an automatic restriction from obtaining access to some household financial information while the child is still allowed to access family photos.

A method and apparatus for acquiring and parsing data into categories responsive to receipt of at least one prospectus of a variable or non-fixed annuity contract for storage in an annuity master database. Once annuity contract data is received in the annuity master database, the data is analyzed and a recommended annuity contract value is forecast using one of trend-line projection and Monte Carlo simulation. A result is a filtering and listing of at least one recommended annuity or, further, a ranking of annuity contracts available from various carriers recommended for an annuity contract purchaser responsive to an annuity contract purchaser profile.

An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.

A method executed by a computing device includes interpreting a digitally encoded data packet from another computing device to produce a first longevity indicator of a first longevity-contingent instrument. The method further includes updating a first longevity status indicator for the first longevity-contingent instrument within a database utilizing the first longevity indicator. When the updated first longevity status indicator is associated with a benefit status, the method further includes determining a payout associated with a first sub-asset and determining a first portion of the payout to associate with a premium cash escrow in accordance with a rive approach. The method further includes determining a second portion of the payout to associate with a benefit cash account in accordance with the rive approach and facilitating reconciling of the first portion of the payout to the premium cash escrow and the second portion of the payout to the benefit cash account.

Systems and method of managing incapacity of a customer is provided. The subject innovation can determine when a customer cannot receive financial communications due to incapacity. The determination can be made due to lack of a response from the customer or to account activity indicating the customer may be incapacitated. The innovation can default to a designated person for sending financial communications of the customer upon a determination of incapacity.

A social network system includes a wireless server to receive and transmit data; contact portals in communication with the wireless server, the contact portals being associated with persons; a media platform to be accessed via a computing device, the media platform having a contact receiving portal to allow a user of the media platform to grant access to contact information relating to the contact portals, the contact information being one or more of phone numbers, e-mail addresses, and social media accounts, an input portal to receive a health indicator associated with the user; an advocate granting portal wherein the user can select a person as an advocate, thereby granting the advocate permission to send one or more notices to the contact portals; and a notification setting portal where the user can pre-select one or more messages to transmit to a subset of the contact portals; the subset of the contact portals receive one or more messages relating to the health indicator.

Techniques are described that provide a centralized system to coordinate disparate teams involved in handling various tasks, including, for example, the tasks relating to settling the affairs of an estate. In one described example, such techniques provide a centralized estate resource system (ERS) to create, manage, track, and coordinate task checklists and actions for each of the teams including interactions between teams. The ERS may assign specific personnel within each team to a given estate, send notifications and warnings to appropriate team members when tasks are due or complete, and facilitate messaging between team members to communicate when information is needed or has become available. The ERS may provide updated status and information across teams without violating privacy or security regulations, as may be the case with email, text messages, or voice messages.

Digitally securing and transferring assets includes: securing an asset in a digital vault using a unique key; storing the vault in a first database and storing the key in a second database; creating a distribution plan for the asset; detecting a trigger event; and, detecting the trigger event, transferring the asset, and automatically creating legal documents. Transferring a digital asset includes: detecting a trigger event, retrieving a benefactor's public key; retrieving a beneficiary's private key; using the private key to decrypt the asset; encrypt the asset with a new beneficiary public key; store the new beneficiary public key; store the digital asset to reflect the new ownership record. An estate recommendation includes: comparing an allocation and market values of assets to similar estates in the database, creating a first comparison; creating a second comparison using an external database; and using the first and second comparison to create a recommendation automatically.

An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.

Disclosed are systems and methods that includes at least one hardware processor and a memory storing instructions that, when executed by the at least one hardware processor, cause the at least one hardware processor to perform operations including receiving a request for a trust distribution between a first user and a second user, wherein the request initiated by the system upon occurrence of a triggering event.