In a structured settlement (e.g. a lawsuit to pay for care of a child injured to the extent that they require some form of care for life) an additional consideration might be family protection, a type of universal life policy funded by a single premium immediate annuity (SPIA). In the event of the death of the caregiver, the death benefit will be paid to compensate for the cost of the care which had been provided by the caregiver. The project will calculate premiums for this product and resulting cash values for the policy, as well as perform profit tests and develop an illustration spreadsheet to be used easily by brokers. The premiums must be determined to meet all nonforfeiture laws.