The eligibility and entitlement engine creates the virtual financial components based on any changes in circumstance. To create the virtual financial components, the eligibility and entitlement engine creates new decisions based on the changed information. The eligibility and entitlement engine stores the decision information and then creates the virtual financial components from the case decision objectives. To create these virtual financial components, the eligibility and entitlement engine uses the case decision period and the nominee delivery frequency. Virtual financial component creation is the same as financial component creation for an original eligibility and entitlement result. The only difference is that virtual financial components are stored on a temporary basis.