Does It Make Sense to Structure a Very Small Case?
When Does It Not Make Sense?
Metropolitan Tower Life Insurance Company (Met Tower Life) announced that it is increasing the minimum premium for all cases from $5,000 per case to $10,000 per case, effective Friday, March 15, 2019 . The move by Metropolitan Tower LIfe leaves Independent Life Insurance Company as the only structured annuity issuing company that will write a $5,000 case as an exception.
Does a $5,000 structured Settlement Make Financial Sense?
Small case policy fee, taken together with a qualified assignment fee, which with some companies could be as high as $750, means that the total fees could end up totaling more than $1,000, thus representing more than 20% of the cost of the structure. The only time it really makes financial sense is where there is a young child where there is a long enough deferral period before a payment is made.
When Would it Be Worth Looking at a Small Case Structured Settlement?
- Concerns about a child's financial maturity at age 18.
- Where there is a long enough deferral period to make a respectable positive return.
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