A system and method for modeling speech in such a way that both voiced and unvoiced contributions can co-exist at certain frequencies. In various embodiments, three spectral bands (or bands of up to three different types) are used. In one embodiment, the lowest band or group of bands is completely voiced, the middle band or group of bands contains both voiced and unvoiced contributions, and the highest band or group of bands is completely unvoiced. The embodiments of the present invention may be used for speech coding and other speech processing applications.