1. A computer implemented method for funding benefits, said computer implemented method comprising: electronically accepting, by a computer, inputs related to specific employer information; electronically determining, by a computer, an amount of funding to provide to an employer owned trust account; electronically calculating, by a computer, what portion of said funding to use to purchase an annuity contract; electronically determining, by a computer, whether to purchase said annuity contract from a third party insurance company or a partially or wholly owned or non-owned captive insurance company; and electronically determining, by a computer, what portion of said annuity contract should be reinsured by said partially or wholly owned or non-owned captive insurance company if said at least one life, disability, health or annuity contract is purchased from said third party insurance company.