New York Life Insurance Company Structured Annuities

John Darer • February 15, 2023

The Comfort of Knowing that Your Structured Settlement Payments are Backed by a Mighty Life Insurance Company with 179 Years of Keeping Its Promises

New York Life is the Oldest Living Structured Settlement Annuity Issuer

We are very pleased to be able to offer our clients the opportunity to fund structured settlements with New York Life structured settlement annuities. When you have a long tail periodic payment obligation it is comforting to know that the structured settlement annuity issuer and guarantor of New York Life Insurance and Annuity Corporation, New York Life Insurance Company, the structured settlement annuity issuer and guarantor of New York Life Insurance and Annuity Corporation, the qualified assignment company used with structured settements, funded New York Life strucured settlement annuities, has been keeping its promises for 179 years.

New York Life Insurance Company Highest Marks for Financial Strength

New York Life has been dedicated to the structured settlement industry for over 30 years, and is the only U.S. life insurer in the structured settlement industry to earn the highest marks for financial strength. The combination of New York Life's financial strength and its management styles continues to make it an excellent choice among structured settlement providers.

New York Life Insurance Company Promotional Video

New York Life recently introduced a new video that highlights its longevity and financial strength.

Last updated July 24, 2024

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What is the Cap Rate on Indexed Linked Structured Settlement?

By John Darer • July 29, 2025

The cap rate on index linked structured settlement annuities is a limit set by the insurance company on the maximum interest rate that can be credited to the annuity based on the performance of the underlying index that also helps provide the downside prtection..

Structured Settlements and Longevity | What are Your Odds?

By John Darer • July 28, 2025

Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can inlcude one or more customized payment streams and types.

USAA Life Now Offers COLA on Structured Settlements

By John Darer • July 16, 2025

USAA Life Insurance Company, an A++ rated insurance company, issues structured settlement annuities with 1%, 2% and 3% COLAs. USAA Life structured settlements are exceptionally compatitive on lifetime benefit payments with long duration certain periods for ages under 35.

MetLife Structured Installment Sale

By John Darer • July 8, 2025

Owners of highly appreciated NY businesses or NY real estate may benefit from a structured installment sale tax deferral program as an alternative to a 1031 exchange. MetLife's structured installment sale program is now available in NY and in all 50 states. Call 888-325-8640 for more info

What is a Qualified Assignment?

By John Darer • July 8, 2025

A qualified assignment is part of the process to establish a structured settlement that enables a Defendant, Insurer, or Qualified Settlement Fund, to achieve a complete novation of the future periodic payment claim established by suit or agreement, through a substitution of obligors.

What's The Difference Between a Structured Settlement and An Annuity?

By John Darer • July 2, 2025

An annuity and a structured settlement walked into a bar, how do you tell them apart? 4structures' John Darer reviews the differences for you right here.

lifetime structured settlement annuity lake tahoe

What is a Lifetime Annuity?

By John Darer • July 2, 2025

A lifetime structured settlement annuity turns part of your settlement recovery into guaranteed income you can’t outlive that is contractually guaranteed by a regulated life insurance company. A lifetime annuity is sometimes referred to as longevity insurance.

Budgets and Settlement Planning for Life After Settlement

By John Darer • July 1, 2025

Structured settlement annuities can be very helpful to the budgeting process by providing guaranteed income streams and deferred lump sum payments tailored to specific budget needs and time frames identified in the settlement planning process.

Investing in Structured Settlement Receivables | Guide for Unwary Investors

By John Darer • June 28, 2025

Structured settlement receivables are often deceptfully marketed to investors as annuities. When the originating structured settlement factoring company buys structured settlement payments in a structured settlement factoring transaction, they are buying a receivable not an annuity.

constructive receipt structured settlement

Constructive Receipt is Game Over for Structured Settlements

By John Darer • June 21, 2025

Avoid constructive receipt if a structured settllement or structured attorney fee is to be established. Care must be taken to avoid constructive receipt.