Structured
Settlement Expert

Providing innovative customized, tax-exempt and tax deferred periodic payment solutions via structured settlements and other vehicles

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Why Structured Settlements?   Because Certain Sells®

Would you like to know that your essential expenses are covered "no matter what"? For many people the answer is yes, especially injured people and their families or those that have lost a breadwinner through disability, job layoffs, business closures or death.

Structured settlements are a core personal injury settlement planning option that addresses this very real primary need. 
  • "At your greatest time of need, not only if you’re the one who has suffered and you’re the one who is injured, and obviously you need help and the one to be taken care of with your family, and the emotional toll it takes on your family, if you think that when you’re at the most emotional low and physical low of your life and if you think you have what it takes to handle that which can literally keep you going for the rest of your lives, I’m here to tell you YOU DO NOT. So let somebody help you. Let us help you. Let us protect you. And let us make sure that everything works, financially speaking simply by doing that which would protect you which is a structured settlement".  Suze Orman October 2021
  • “The need for income guarantees in retirement is there regardless of what’s happening to interest rates,” according to Tamiko Toland, head of annuity research at Cannex, in a December 14, 2020 article in Investment News 
  • 8 in 10 retirement plan sponsors say participants want guaranteed lifetime income investment options, per Nationwide Retirement Institute's 2021 In-Plan Lifetime income survey, released September 2021. Half of participants (50%) were concerned about being able to manage expenses and lifestyle choices in retirement and 48% were concerned about outliving their income.
  • A similar need for a certain amount of income guarantees holds true for injury victims and others who cannot put all their money at risk. 
  • The economic realities of the Covid-19 pandemic have underscored this. Over the last year, a wave of new “guaranteed income” programs has emerged that experiment with providing people no-strings-attached cash every month. The general goal is to lift people out of poverty. [see Bloomberg City Lab by Sarah Holder and Brentin Mock July 8, 2021].

4structures.com® LLC is an AM Best Client Recommended Structured Settlements Expert, Settlement Adviser and a provider of a wide range of settlement planning and financial planning products and services. 4structures® brings Sudden Money® expertise, protocols and tools to parties in all types of claims and litigation that take away the complexity, improve engagement and help facilitate case resolution. 

4structures.com LLC provides innovative customized tax-free and tax deferred fixed and market based periodic payment settlement solutions for personal injury, wrongful death, wrongful incarceration, aviation, medical malpractice, auto, construction, employment and workers compensation claims, via structured settlements, periodic payment reinsurance, funding agreements, terminal funding contracts, disability policy buyouts, life care funding and other customized financial planning solutions, such as special needs trusts, settlement management trusts,  medicare set aside arrangements and qualified settlement funds.

We're here to help, to patiently listen to the needs of our clients, be an objective settlement adviser, help to facilitate a smooth integration of settlement tools and give the personal attention that our clients deserve. 

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