1. A method of managing combined life insurance and financial instruments for a group of insured persons using a computer system including a database and communications software to permit the computer system to receive data from and to transmit data to a plurality of external entities, the method comprising the steps of: (a) having arranged for an influx of capital from a source of capital, wherein said source has imposed certain repayment obligations concerning said capital, and having input data concerning the amount of said capital and said repayment obligations into said database; (b) having acquired through a first entity at least one financial instrument providing a cash flow for each insured person using a portion of said capital, wherein the first entity is owned by a second entity that is of a tax favored nature, and wherein said cash flow of each financial instrument is allocated to the second entity so that it receives tax favored treatment, and having input into said database information concerning said cash flow of said financial instrument; (c) having acquired at least one life insurance policy for each insured person, the at least one life insurance policy being acquired by a set of third entities, each third entity having an owner wherein the owner of each third entity has an insurable interest in one of the group of insured persons, and each third entity has acquired at least one life insurance policy on the life of the insured person in which its owner has the insurable interest, and wherein each life insurance policy imposes on its respective third entity a premium payment obligation to pay a premium on a regular basis, and wherein each third entity is organized in a manner to shield the insured person on which it has acquired life insurance from liability from the commercial lender and from any taxes on the financial instrument acquired for that insured person; and wherein a portion of said capital has been used to pay the initial premium for each life insurance policy, and having input into said database information concerning said premium payment obligations for each life insurance policy; (d) receiving and tracking information, via the computer system, concerning said cash flow from each financial instrument, and maintaining information in said database pertaining to said cash flows; (e) monitoring and executing, via the computer system, the distribution of said cash flow from each said financial instrument to pay the premiums for the respective life insurance policy associated with each said financial instrument and to repay said source of capital, wherein the amount and timing of said distributions of said cash flows are dependent upon said premium payment obligation information for each such life insurance policy stored in said database and dependent upon the repayment obligations imposed by said source of capital stored in said database; and (f) updating the database of the computer system upon each such distribution of said cash flows to reflect each such payment of a premium for said life insurance policies and each such payment of the repayment obligations for said capital.