A method for financing future intentions of a first party (1, 15) pursuant to a first contract (4, 18) with a second party (2, 16) for a specified monetary sum. A contract (5, 19) involving a variable annuity is obtained from a third party (3, 17). A guaranteed benefit equal to at least the specified monetary sum is paid to the second party by the third party to pay for the fulfillment of the future intentions of the first party. The variable annuity has a guaranteed annual increase.