Computer systems and computer-implemented methods related to an investment program for a non-profit, charitable organization that pairs a donated life insurance policy with one or more annuity contracts on the same donor's life. Preferably, the aggregate sum of the annuity premiums for the annuity contracts equals (or approximately equals) the death benefit payment amount of the donated life insurance policy. In addition, the ongoing annuity payments preferably are greater than the life insurance premiums, thereby providing the charitable organization with a positive rate of return that can be much higher than conventional fixed income investments.