Structured Settlement Quotes | What You Need To Know

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What To Know About Structured Settlement Quotes 2023

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You don't have to take risk to get a decent yield when you want allocate a portion of your settlement to guaranteed income where the certainty that a fixed structured settlement provides is effective. We’re here to help. Yields are up on structured settlement quotes of all durations.


There are of course other types of structured settlement payments, that can meet varying needs, where we can help as well.


What affects structured settlement quotes and the prices of structured settlement annuities?

 

  • Are there any rated ages ? If you are considering income for life, are there any health impairments that can be used to boost the yield or drop the cost of funding a particular need of the plaintiff with a structured settlement?  If part of your goal is to benchmark known medical or living expenses for the rest of your life, your loved one's life or your ward's life, rated ages can help reduce the allocation to the known items so that remaining settlement funds can be allocated more efficiently.
  • Is the structured settlement going to be split funded with multiple life insurance companies?
  • Is the structured settlement being funded with United States Treasury obligations ( Treasury Funded Structured Settlements )?
  • Is the structured settlement being funded by a structured settlement annuity with an index-linked payment adjustment rider?
  • Is the structured settlement being funded by an uncapped index linked structured settlement annuity?
  • is the structured settlement being split funded with a growth structured settlement, or other market based structured settlement?
  • Is the structured settlement an interest rate linked structured settlement?
  • Is the structured settlement funded by a deferred income annuity?
  • Is the structured settlement funded with a funding agreement issued by an insurance company?
  • Is this a market based structured settlement
  • Will the structured settlement be pre-funded in advance of court approval or execution of a release, or will the benefits need to be locked-in?
  • If a structured settlement quote lock-in is to be used, how long? Sometimes lock-in fees apply!
  • Are daily rates available? How long are the daily rates good for?  Some quotes may be good until the next day, while other quotes expire at close of business.
  • Who is funding the structured settlement? One, or more defendants or their insurers? If a non-qualified assignment is being used, will the structured settlement funding be wired, or will the premium be arriving by check?
  • Rate changes by insurance companies. Once a rate change is announced by the life insurance company issuing the structured settlement annuity, generally there is a limited time frame to lock in rates under an existing rate series. It's an especially important consideration when rates are decreasing.

 

How Do You Know If You're Getting Good Structured Settlement Quotes?

For starters:

 

  • Always make sure you are getting structured settlement quotes from an insurance agent or broker who holds an active life insurance license in your state. Licenses can often be verified online through consumer portals on the websites of your state's insurance department, or department of financial services, or by asking for a license number and then verifying.
  • Is the insurance agent or broker a member of the National Structured Settlements Trade Association, Society of Settlement Planners or American Association of Settlement Consultants?
  • Does the insurance agent or broker have access to all of the primary market structured settlement annuity issuers?
  • Have a clear understanding and confirm whether you are receiving a book rate or daily rate quote. Daily rates are not always available, but if they are available, they can make a difference.

 

NYC | NY | CT |USA structured settlement expert John Darer® CLU ChFC MSSC CeFT RSP CLTC, a 2023 A.M. Best Client Recommended settlement expert and President of 4structures.com LLC, discusses structured settlement quotes in the video below.


Get Help with Structured Settlement Quotes Today


For help with Structured Settlement Quotes now, call 888-325-8640, or use the 4structures.com LLC secure structured settlement quote form.   4structures' John Darer can help residents or parties with cases in AK, AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NM, NH, NJ, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and Washington DC.


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Personal Injury, Wrongful Death, Employment, Aviation, Med Mal, Trucking, Auto, Construction Defect



Offers to Buy Your Structured Settlement Payments Are Not Structured Settlement Quotes

 

  • Certain companies that buy structured settlement payment rights from annuitants, many of whom have no insurance licenses, create marketplace confusion for structured settlement consumers and derive benefit from misrepresentation of the terms "structured settlement quotes" and "annuity quotes" to get consumers to transfer their structured settlement payment assets for pennies on the dollar. Get informed!  Get informed about structured settlement quotes and don't be fooled by secondary market imposters who waste your time. 
  • Most offers to buy your structured settlement payments that appear in paid ads at the top of page 1 of Google or Bing for the search term "structured settlement quotes", are not structured settlement quotes despite being so labeled. 
  • Offers to buy your structured settlement payments through the mail are not structured settlement quotes either. 
  • Despite their names and search engine optimization, websites such as DRB Capital.com and SSQ structuredsettlement-quotes(dot)com cannot give you quotes for structured settlement annuities, just quotes for the transfer or buyout of existing structured settlement payment rights (or subsets of structured settlement payment rights).

 

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Last updated September 19, 2023


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Yields are competitive for structured settlement quotes of all durations. You don't have to take risk to get a decent yield and tax advantages. We’re here to help you set your course. Send us a message and we’ll get be in touch.

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