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About Us Click here and see what you need to know about structured settlements Here are some real life applications to show how structured settlements can be used as a settlement solution Click here and see what items of interest for plaintiffs and their attorneys Click here and see what items of interest for defendants, insurance adjusters and their attorneys Structured Settlement FAQ, Structured Settlement Glossary, Structured Settlement Links, Structured Settlement Annuity Company details, Structured Settlement Newsletter sign up, Structured Settlement Protection Statutes, State Insurance Guarantee Laws 4structures Insurance Services 4structures.com has over 40 pages of searchable structured settlement and settlement planning content Helpful Structured Settlement Information delivered in video format
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Divorce Structured Settlements
The use of a non qualified assignment or non qualified structured settlement can provide assurances to the spouse receiving child support obligations, alimony, or periodic payment equity distributions, that payments will be received on time every time, thus reducing the time and cost of new court proceedings to resolve issues that may arise.The is also a benefit to the paying spouse.

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Structured Settlements for Children and Minor Wards
A structured settlement alone, or in conjunction with a Settlement Preservation/Conservation Trust, is a natural strategy for your child's or minor ward's settlement. A structured settlement generally offers a greater return than a blocked account, or government bonds, spendthrift protection and, in many cases a more meaningful short or long term solution than simply a lump sum of cash at majority, where it can be squandered before the child, minor ward or young adult is mature enough to understand the consequences.

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Settlements for Seniors and Retirees
A structured settlement will appeal to any senior or "seasoned citizen", including a retired individual or one who is at or near retirement age. Here's why!

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Structured Settlements With Special Needs Trusts
Impaired risk, or "rated age", structured settlement annuities (consideration given to reduced life expectancy due to current health conditions) offer superior economic performance when used in conjunction with a Special Needs Trust or Supplemental Needs Trust.

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Special Needs Trust
One of the many obstacles that may hinder settling a personal injury suit is the loss of entitlement benefits (SSI, Medicaid, etc. )following a settlement. A Special Needs Trust or Supplemental Needs Trust can help preserve those benefits. More here.

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Split Annuity Concept for Structured Settlements
The split annuity strategy provides dependable tax free income and principal preservation.

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Life Insurance in Settlement Planning
Life insurance may be an important element of a settlement plan when the settlement involves a minor child or incapacitated adult, particularly if parents or loved ones are the primary caregivers. Life insurance can be used to finance the cost of a replacement caregiver, or someone who will replace certain services that were provided for by the caregiver. This value of this use cannot be overemphasized. Click "more" to enter for a more in depth examination of the uses for, and the forms and methods of paying for life insurance.

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Terminal Funding
Terminal Funding is a method to achieve balance sheet relief which permits a company or plan sponsor to transfer all or a portion of its financial obligations to a high quality insurance company.

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Worker's Compensation Claims
Structured settlements are increasingly being used to resolve worker’s compensation claims.

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