A business method and computing system for providing a death benefit to a participant having an uninsurable trait. The method collects registration information from the participant, and associates the participant with at least one other participant having the uninsurable trait to form a group of participants. The method receives a funding payment from each participant in the group to create a funding pool for a time period. The method disburses the funding pool to deceased participants in the group who died during the time period, each deceased participant receiving a portion of the funding pool. An amount of the portion of the funding pool for each deceased participant is the death benefit for the deceased participant.