A SYSTEM AND METHOD OF MANAGING AN INSURANCE SCHEME BACKGROUND OF THE INVENTION The present application relates to a system and method of managing an insurance scheme. The present invention may be implemented by a traditional life insurance plan operator for its members or may be implemented by another party. Conventionally, insurance policies such as life insurance policies operate on the basis that an insured person, sometimes referred to as an insured life, pays a premium to the life insurer, and the life insurer pays a predetermined sum, referred to as the sum assured, to the insured life or his/her beneficiary on the occurrence of an insured event. Typical insured events are the insured life suffering disability, contracting a dread disease or dying. However, a factor that is not considered in life insurance is the effect that interest rate increases have on the debt of the insured life. Particularly, if the insured life has debt which they are servicing, any increase in interest rates negatively affects their financial position significantly. Thus, the quantum of insurance purchased in the event of any insurable event may be correct at the inception of the policy but may not be sufficient after interest rate increases. A system and method of managing an insurance scheme is provided to address this. 2 SUMMARY According to one example embodiment, a methiod of managing Insurance policy includes: storing in a memory a policy inception interest rate level which is an interest rate level payable on debt of the insured person; determining after the policy inception an interest rate level payable on debt of the Insured person at that time; comparing the determined interest rate level with the inception interest rate level; if the determined interest rate level is higher than the inception interest rate level then calculating a debt protector amount to be paid to the insured person; and on the occurrence of an insured event paying the debt protector amount to the insured person or their nominated beneficiary. The method may further include periodically determining after the policy inception an interest rate level payable on debt of the insured person at that time; comparing the determined interest rate level with the inception interest rate level; if the determined interest rate level Is higher than the inception interest rate level then calculating a debt protector amount to be paid to the Insured person; 3 adding the calculated debt protector amount to any previous periodically calculated debt protector amounts to arrive at a total debt protector amount; and on the occurrence of an insured event paying the total debt protector amount to the insured person or their nominated beneficiary. In addition, if the insured person reaches a predetermined age the debt protector amount or total debt protector amount is paid out to the insured person or their nominated beneficiary. The inception interest rate level and the determined interest rate level may be set by one or more financial institutions or by a regional authority. According to another example embodiment, a system for managing an insurance policy includes: a memory for storing a policy inception interest rate level which is an Interest rate level payable on debt of the insured person; an interest rate determining module to determine after the policy inception an interest rate level payable on debt of the insured person at that time; a comparator module to compare the determined Interest rate level with the inception interest rate level; a calculating module to calculate a debt protector amount to be paid to the insured person if the determined interest rate level is higher than the inception interest rate level; and 4 a payment module to pay the debt protector amount to the insured person or their nominated beneficiary on the occurrence of an insured event The system may further include: the Interest rate determining module periodically determining after the policy inception an Interest rate level payable on debt of the insured person at that time; the comparator module comparing the determined interest rate level with the inception interest rate level; calculating module calculating a debt protector amount to be paid to the insured person if the determined interest rate level is higher than the inception interest rate level and adding the calculated debt protector amount to any previous periodically calculated debt protector amounts to arrive at a total debt protector amount; and the payment module on the occurrence of an insured event paying the total debt protector amount to the Insured person or their nominated beneficiary. In addition, If the Insured person reaches a predetermined age the payment module pays the debt protector amount or total'debt protector amount to the insured person or their nominated beneficiary. The inception interest rate level and the determined interest rate level may be set by one or more financial institutions or by a regional authority. 5 BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram illustrating an example system to implement the methodologies described herein; and Figure 2 is a blocl< diagram illustrating an example method of managing an Insurance scheme. DESCRIPTION OF EMBODIMENTS The systems and methodologies described herein relate to a system and method of managing an insurance scheme such as a life insurance scheme. Conventional life insurance schemes operate on the basis that an insured person, referred to as the insured life, pays premiums on a regular basis to the life insurer, specifying a sum assured which is an amount to be paid out on the occurrence of an insured event. For example, on the death of the insured life, a predetermined death benefit is paid to the nominated beneficiaries of the insured life. If the Insured life is disabled or suffers a dread disease, a different, lesser amount is paid out. The method and system will be described with reference to these l= 10% 50% 3,000 6,000 Max Total „^ ^ ,„ „„„ 36,000 72,000 Accumulation Thus, if the interest rate increases by 1% in a given month then R480 will be the calculated amount payable to the insured person for that month. A record of this amount will be stored in the memory 10 and as each month goes by, if the interest rate is higher than the starting interest rate a further amount will be added to this amount and the total will grow. The last row in the table indicates a maximum total accumulation which is an upper limit for this benefit. As discussed above, in another example, the debt protector amount can be iinl