A method implemented with a machine, the machine, and the method for using the machine, and products produced thereby, the method including using a digital electronic computer having a processor programmed for electronically processing input data into output data, the computer electronically connected to an input device and to output devices, for calculating expected and projected results of assumptions related to specific contractual exposures (either underlying plans of insurance or reinsurance, or contractual insurable risk exposure to individuals, or corporate contractual benefit payment exposures to individuals), maintaining and storing such calculations, periodically comparing the expected and projected results to actual occurrences results as inputted into the computer, calculating the differences between actual and projected results and preparing reports of the results of the calculations.