A system and method and method for generating substantial net positive cash flows to fund organizations by initiating life insurance policies through asset-backed security transactions with no out-of-pocket expense to either the organizations or to the insureds, requiring no use of policies' cash value or transfer of ownership or beneficiary of the life insurance policies, and providing guaranteed funding to the organizations regardless of when deaths occur while keeping the original insurable interest intact, thereby creating a marketable, tradable uncorrelated security.