1. A computer implemented method for calculating a flexible, varying long term care insurance program as a part of a combination long term care product, the method comprising the steps of: receiving, by a computer, a plurality of input variables, comprising at least an issue age, a targeted present value and a year-to-year premium relationship; receiving, by the computer, a plurality of process variables; calculating, by the computer, a non-received process variable, based on received variables; calculating, by the computer, a set of benefits and a corresponding charge schedule based on the received variables and the calculated process variable such that the calculated charge schedule varies over time but comprises at least one period during which premiums raise to a leveling point according to the year-to-year premium relationship, the calculated set of benefits and the calculated charge schedule being informed by prefunding during the at least one period during which premiums raise to a leveling point; and producing, by the computer, a combination long term care product by coupling the calculated set of benefits and the calculated charge schedule with a life insurance program or an annuity.