iStructure is an innovative game changing structured fixed index annuity for plaintiffs or attorneys
While having structured settlement payment adjustments tied to changes in a published index is not without precedent, iStructure is the settlement industry’s first “uncapped” fixed index structured settlement annuity. With iStructure you don’t have to wait until payments start before structured settlement payments start to participate in the changes in the index. iStructure is an insurance product issued by Independent Life Insurance Company, out of Dallas, Texas, the first life insurance company solely focused on the structured settlement market.
iStructure can be used for personal injury settlements, structured attorney fees, structured installment sales and taxable settlements. wrongful incarceration, for clients who seek a settlement option with tax-free or tax-efficient income (depending on type of damages that payments represent), the potential for increasing income, customizable payment options, downside protection, and inflation protection.
Key Talking Points
Comparing Crediting Rates of iStructure vs Traditional Structured Annuity
from case to case and can range from 30% for the shortest cases to 100% for long duration case. This is much like the way a
Customer IRR varies for short duration traditional products versus long duration.
investing in equities while still leaving all the investment risk with the insurer, Independent Life.
How Does Independent Life Hedge The Risk?
Using options on the Franklin BofA World Index, Independent Life limits its risk and makes it viable to guarantee a participation rate. By accepting a lower guaranteed payout, clients can have the opportunity to receive a materially higher expected payout while securing a guarantee from Independent Life and leaving all the credit investment risk with the insurer.
Independent Life to Seek IRS Private Letter Ruling
Independent Life Payee Protection Policy
All Independent Life structured settlement annuities are subject to its Structured Settlement Payee Protection Policy. When notified of a proposed structured settlement transfer, Independent Life will review the terms of the proposed transfer and will object to those transfers where:
Please note that iStructure is not available on New York settlements that require court approval.
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iStructure logo is a service mark of Independent Life and is used with permission.
Last updated March 21, 2022
4structures.com, LLC
The Structured Settlements and Settlement Planning Company
43 Harbor Drive, #309 Stamford, CT 06902 USA
888-325-8640
646-849-1588
New York City (Manhattan, Bronx, Brooklyn, Queens, Staten Island), Westchester(NY), Nassau County (NY) , Suffolk County on Long Island (NY), Albany County (NY), Oswego County (NY), Steuben County (NY), Broome County (NY), Onondaga County (NY), Fairfield County (CT), New Haven County (CT), Hartford County (CT) New London County (CT), Tolland County (CT), Litchfield (CT), Middlesex (CT) , Bergen County (NJ), Middlesex County (NJ), Ocean County (NJ)
Structured Settlement Experts and Settlement Planning Consultants for settlements from claims or lawsuits arising out of Aviation accidents, Medical Malpractice, settlements involving Serious Personal Injury, Wrongful Death, Wrongful Incarceration, Employment, Civil Rights, Discrimination of any type, Auto accidents, Motorcycle accidents, Maritime accidents, Workers' Compensation, Product Liability, Real Estate Liability, Construction Defect claims or lawsuits, Landlord/Tenant,
Property, Attorney Fee Deferrals, Funding Agreements, Structured Installment Sales, Environmental Liability and Commercial Dispute settlements.
Structured settlements and structured settlement brokerage, settlement planning, Sudden Money®, financial transitionist, funding agreements and insurance related services provided by 4structures.com LLC.
Financial Advisory Services provided through Groove Financial Advisors , LLC, and its service partners.
Fiduciary services, including the custody and administration of trusts provided via service partners.
Securities and Insurance Products are NOT Insured by the FDIC, nor by any other Federal or State Government Agency, are NOT a Deposit of and are NOT Guaranteed by a Bank or any Bank Affiliate, and securities MAY lose value.
4structures (USPTO Reg. 4640532) , 4structures.com (USPTO Reg. 4640531) , We Know Structured Settlements (USPTO Reg. 3089738),
Because Certain Sells (USPTO Reg. 6237309) and We Know Structured Sales (USPTO Reg. 3490489), are Registered Trademarks of 4structures.com LLC.
John Darer is a Registered Trademark of John Darer (USPTO Reg. 4674907)
John Darer California insurance license 0761076
4structures.com LLC CA license OF19785 d/b/a 4structures Settlement Insurance Agency