The system and method of the present invention removes barriers that
undermine efficient risk-management. The invention prioritizes consumers
by predicting their unmet demand for risk protection. Once deemed
eligible, consumers are enrolled and funds are allocated to the payment
of a premium for income insurance, contribution to a financial vehicle
such as a savings or investment product, and payment of a premium for
savings loss insurance. Active participants are eligible for income
protection in case of job loss, systematic savings and ownership of
public equities, principal protection and incentives based on
utilization. The system and method of the present invention is calibrated
on an ongoing basis to the behaviors of target consumers.