Sets of future risk expectation strings for long term care and for life expectancy are categorized into a plurality of Joint Equal Age Risk Classifications, upon which risk exposure sequencing and present risk value analysis are applied to calculate joint equal age present risk values that are inputted...http://www.google.co.uk/patents/US6584446?utm_source=gb-gplus-sharePatent US6584446 - System for underwriting a combined joint life and long term care insurance policy which is actuarially responsive to long term care demands and life expectancies of the individual insureds
